23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and I live at XXXX XXXX XXXX in XXXX, GA XXXX and my lender is Wells FArgo with a loan number of XXXX an im a victim of malicous illegal acts done by my lender. After a year of communication trying to get a more affordable mortgage to keep my home Wells Fargo has lead me on a path to ultimately take my home. It was determined after a year that they denied me ( according to XXXX in the rentry department ( XXXX is the number she gave for her id ) for a program saying that XXXX nor XXXX loans have programs for individual who has an origination date of XXXX XXXX and on. If this was the case then all that was done was a elaborate waist of time to the point where my mortgage is so far behind ( because XXXX informed me that on XXXX XXXX that file needed to be deliquent 30 days or more to submit for a modification so I had to stop making payments just to get help ) it makes is almost impossible to catch up. I was also told that my income wasnt sufficient so I was able to get more income by obtaining a roommate and was told once I did this to provide the proof with bank statements, lease, and utility bills.but even when I did this I was told I couldnt and wouldnt be look at for the program. It is my understanding that the reentry team has hard decline my file in an attempt not to allow it to be looked at again. I have had a modification in the past and it still didnt help my affordability so I applied for another XXXX and now they give me the reason because I have a XXXX loan and it was originated after XX/XX/XXXX that I dont qualify for any programs. Then on the very next day XXXX XXXX I receive a letter in the mail saying that I was turn down from assistance because there wasnt a sufficient change in circumstance but the fact is that my circumstance was never reviewed because upon asking for other documents to place in the review process I had already been turned down by this department so noone ever looked to see if my circumstance had truely changed which it did. The big issue is that if fannie mae doesnt have a program for me because of my origination date then it doesnt matter if I make XXXX times or XXXX times the payment I would never qualify and this all would have been a complete waist but this doesnt seem tru because as I stated before Ive gotten a modification before so whats really going on. So there are truely unexplained situations, indifferences, going on internally and now Wells has a foreclosure date set for XXXX XXXX. At this point I have no choice but to alert all for as a senior citizens that just wants to keep their home Im truely bei8ng done wrong.
Product: Credit card or prepaid card

In  XXXX   2017  I switched my billing to eBills through my bank,  XXXX   XXXX . When the bank processed my eBill, the minimum payment due reflected as my entire balanc e ( so m e $ 4,000+ ). The bank did not process my payment due to the erroneous amount. I contacted Best Buy Credit Cards ( Citi Bank ) and explained my issue. I was told that any late fees would be reversed and that my   minimum payment due was that which reflected on my paper statement, about {$44.00}. I made that payment. The next month I received another bill with the late payment still assessed. I made my minimum payment due on time because the late payment should not have posted per the agent 's discussion. The same thing happened in  XXXX  except  XXXX  late payments were now assessed. When I called the contact center I was told that, despite the agent in  XXXX  accepting the payment as a bank error and thus reversing the charge, that I was still responsible for paying the late payment even though I was told it would be reversed. I remitted my minimum payment due per my original cardholder agreement and instructions from the agent.  <P/> Since then I have received no fewer th an 2-3 calls per day from a collection arm called Citi Client First. I finally spoke with them and expla ined my issue. I have been remitting my minimum payments due less their erroneous fees. The escalation agent,  XXXX , told me that he would not be able to reverse any late fees despite the fact that this snowball effect has occurred outside of my control. I remitted a payment of {$110.00}  ( roughly 3x my normal minimum payment due amount ) in order to stop the harassing phone calls and voicemails. Because o f these fees charged, the extra monies paid will not go to reduce my principle. Instead, they will go to pay fees that never should have been assessed per the conversation made in  XXXX   2017 .
Product: Debt collection

I had ask for a validation report none was given attached is proof of report being send
Product: Credit reporting or other personal consumer reports

Last week, I noticed a duplicate bogus account on my Equifax report, which is being reported to lenders and various credit reporting tools ( e.g., XXXX XXXX XXXX XXXX XXXX 

I have spent numerous hours trying to resolve this issue, but Equifax has refused to help, claiming it is not their problem. After investigating further, I discovered that the incorrect information is being reported to XXXX XXXXXXXX XXXX, and possibly many lenders. 

My report includes a closed, old account from XXXX XXXX, which was paid off when my husband wrecked the car. Despite numerous attempts to resolve this with Equifax, I found that they are still reporting the bogus account. Moreover, they are reporting it as two accounts to other agencies like XXXX XXXX and XXXX. 

The attached documents show that Equifax is reporting two bogus accounts and duplicating the same account to XXXX XXXXXXXX XXXX, and an unknown number of lenders. This is a violation of the FCRA. Despite my efforts, Equifax knowingly continues to report this incorrect information. If they do not correct it, I will have to pursue legal action against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Bankruptcy XXXX  XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

my google account was hacked into and someone made a purchase worth XXXX on XX/XX/XXXX. 

also XXXX Tuesday, XX/XX/XXXX XXXX PM From google : We couldn't verify your claim Hello, After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution.
Product: Money transfer, virtual currency, or money service

PayPal limited my account without any reason. 
I have already verify my account. I sent all information I try to contact the company many time, but they just said is in review. 
Could you please help me with that problem. 

My email is XXXX i hope get help for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXXXXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

2. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I contacted this company directly via certified mail on XX/XX/XXXX and asked them to remove claims of debt from my credit report because I have never done business with them, nor did I open an account with them on XX/XX/XXXX as they have listed on my credit report. They responded and stated that they would send me proof of the debt, it has been more than 30 days and I have not heard anything from this company and they are continuing to illegally report this debt as valid on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, experian and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.
Product: Debt collection

In XX/XX/2018 I notified XXXX of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. XXXX later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide XXXX with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. XXXX  has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. XXXX  continues to report fraudulent accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

capitalone bank cards are in collusion with XXXX XXXX 3 accounts are lock in to my credit files and wont come out. force XXXX to unloack and get lettr of deletion from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX The balance is correct with this account. I called and XXXX XXXX and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. SETERUS INC is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SETERUS INC XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist in removing hard inquiries from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and related regulations. I have recently reviewed my credit report and identified several hard inquiries that I believe were made in violation of my rights, and I seek your intervention in addressing these issues. The following items I would like to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA ( Section 604 ), a credit inquiry is considered " hard '' when it is made as a result of a credit application, loan request, or any other action that may impact my credit score. Under the FCRA, these inquiries should only be recorded if I have authorized them. Unfortunately, I believe some of the inquiries on my credit report were made without my explicit permission or were based on incomplete or inaccurate information. 

In particular, I would like to highlight the following reasons for my request : Lack of Authorization : There are hard inquiries on my credit report that I do not recall authorizing. If these inquiries were made without my consent, they violate my rights under the FCRA. 

Inaccurate Reporting : Some of the inquiries on my credit report may be inaccurate, as I did not apply for credit with the entities listed, or the inquiries may have been made in error. As per CFPB regulations, credit reporting agencies are required to ensure the accuracy of information contained within credit reports ( 15 U.S.C. 1681e ( b ) ). 

Time Frame for Removal : Hard inquiries must be removed from a credit report after two years, but the inquiry may no longer be relevant to my credit score after the first year. I request that any outdated inquiries be removed as per CFPB regulations for data accuracy and fairness. 

Under the Fair Credit Reporting Act, I understand that I have the right to dispute any inaccuracies on my credit report directly with the credit bureaus. However, due to the circumstances surrounding these inquiries and the fact that they are affecting my creditworthiness, I request that you investigate this matter thoroughly and remove any unauthorized or incorrect hard inquiries from my report in accordance with federal law. 

Please let me know if additional documentation or information is needed to support my request. I would greatly appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.
Product: Debt collection

Account : National Credit System # XXXX I'm unware of this debt and did not have the opportunity to dispute. If the collector is stating the provide the notification, please send the receipt of CERTFIED MAIL that should have been received. 

Also, please provide the VALIDATION OF DEBT and METHOF OF VERIFICATION. 

Please remove this account off my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was to formally express my concern regarding XXXX handling disputes. Particularly in light of recent CFPB lawsuits highlighting significant issues with the platform dispute using XXXX numerous times n reporting discrepancies my financial institution n XXXX failed to investigate my claim
Product: Debt collection

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records. Your company is using identity theft to gain access to personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX ,  I contacted the  XXXX  credit reporting agencies,  XXXX , Transunion, and  XXXX  to ask to remove only the dispute for  XXXX  acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once   XXXX   did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/19XXXX XXXX XXXX XXXX I recently received my consumer report and noticed violations that go against the FCRA. Your Agency has not supplied me with any Account Level Documentation that bears my written instructions which is a violation of [ 15 U.S.C 1681b ] ( a ) ( 2 ) Permissible purpose of consumer reports according to the Fair Credit Reporting Act. please complete a proper Reinvestigation of the disputed information below in accordance with [ 15 U.S.C 1681i ] ( a ) ] Procedure in case of disputed accuracy PLEASE REINVESTAGE THESE ACCOUNTS AND DELETE IF ACCOUNT LEVEL DOCUMENTATION CAN NOT PROVIDE : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
Please send me all Account level documentation and a copy of my updated XXXXXXXX XXXX with the Deletions of these accounts XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are being unfair and inequitable! I have received and reviewed a copy of my updated credit report and to my surprise you are still reporting an error and mistake. I am a little bit worried because as you are furnishing this information on my credit report I am also struggling to open a new line of credit. Im quite surprised as you are reporting this information because in the first place I have never given anyone from your company to furnish this information on my credit report.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc they have been contacting me at my office I told them to stop contacting me at work and they keep calling.