23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXXXXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-DEPTEDXXXX  ACCOUNT # XXXX 2-DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 4XXXX ACCOUNT # XXXX 5-XXXX  ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX 9-XXXX XXXX  ACCOUNT # XXXX 10-XXXX XXXX XXXXCCOUNT # XXXX 11-XXXX  XXXX ACCOUNT # XXXX 12-XXXX XXXX  ACCOUNT # XXXX 13XXXX XXXX  XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ACCOUNT # XXXX 14-XXXX  XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) ACCOUNT # XXXX 15-XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) ACCOUNT # XXXX 16-XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) ACCOUNT # XXXX 17-XXXX  ACCOUNT # XXXX 18-XXXX XXXX ACCOUNT # XXXX 19-XXXX ACCOUNT # XXXX 20-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX 22-XXXX XXXX  ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24-XXXX ACCOUNT # XXXX 25-XXXX  XXXX XXXX ACCOUNT # XXXX 26-XXXX  XXXX - ACCOUNT # XXXX
Product: Student loan

I was contacted by a consolidation company. They said they could consolidated my XXXX student loan which was at a 2.5 % interest rate with my XXXX which was at a 6.8 % interest rate. I was very clear I did not want to consolidate if my XXXX loan was going to get jacked up to a ridiculous interest rate. They told me they where going to take a average of my loans and it would all come out in the wash. I was young not good at math and trusted them. What ended up happening is all my loans went to a 5.5 % interest rate. They have been sold and traded hands several times. I have called my loan holders several times and they are saying they can not do anything about the interest rate. One day last year I spent 4 hours on the phone getting directed to 10 different numbers and agencies. No one seems to know who owned my original student loan. I asked them to send me information ... .this has been super frustrating and I have gotten no help. On top of my student loan interested being more than what my old house and car interest was. I am never going to be able to get them paid off and no one seams to have the information I need. I asked them to send me all my paperwork since I have been receiving loans and the attached its all I received ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX has violated my rights. 



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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Every Tuesday since the Covid 19 pandemic, I have received my unemployment benefits from NYS and the addition {$600.00} from the government on my American Express Bluebird card. I woke up this morning XX/XX/2020 with an email with my DOL direct deposit but not my federal deposit. So I used the app to check my balance, it said i was locked out. So i called the number on the back of the card and it told me that my account had been permanent suspended due to a violation and then the phone automatically disconnected. 

I called American Express directly and after being on hold for over an hour I was finally connected to a bluebird rep that told me that my account was permanently suspended because I received a direct deposit that wasnt in my name. Not only have I been getting my unemployment for over a month in this account, my payroll was deposited into this account as well. All in the same name. The rep told me that there is nothing she can do, she was emailing the back office telling them I verified that was me and that it pretty much was in their hands to decide to reinstate my account..she also stated I wouldnt be getting my money..which was almost XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending letters.
Product: Debt collection

I am writing to dispute the validity of the debt listed on my credit report. In accordance with the FCRA 15 USC 6802, I didn't give you permissible purpose to report this on my credit report.
Product: Mortgage

We just paid {$100000.00} to a {$290000.00} loan modification. 
{$49000.00} field adjustment was the amount paid to XXXX and {$32000.00} was the amount we paid to midland. I guess they gave us partial credit for the {$55000.00} we paid to XXXX XXXX XXXX. 
XXXX collected the money paid to commerce bank and XXXX. 
This means that NONE of the {$670000.00} I have paid to my house has been applied to principal. Which means I have paid {$640000.00} to interest. Which again I will point out is OVER 18 % interest on a 15 year loan disclosed at 4.34 %. 
When are they going to release this lien that XXXX bought for {$90000.00} XXXX reported {$80000.00} extinguished but it was never removed from the balance. We were not given credit for the {$5000.00} HAMP incentives. We did not get credit for the {$17000.00} paid from XXXX other properties. We paid it again.
Product: Debt collection

XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, I realized i have several unauthorized inquires on my Experian report. This is a violation of the privacy act 1974, also violates FCRA 15 USC 1681 B.

This also constitutes as identity theft being that i never gave any corporation my consent to check my credit or pull any information regarding my estate. 

I have notified the FTC an attached a copy of my report 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, it came to my attention that someone had stolen my identity and used it to rent an apartment in XXXX, XXXX  at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, according to the collection agency XXXX XXXX XXXX XXXX - the apartment sent them collection account of {$4100.00} for two months rent from XX/XX/XXXX - XX/XX/XXXX, I have never visited XXXX  let alone live there. I called Experian to inform them of the identity theft and asked them to make sure my information is correct which they're not. 

My full legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the only address I lived in since XXXX I want the following misspelled names removed from the credit report. 
XXXX XXXX XXXX XXXX
Product: Debt collection

This company has not proven a valid contract to which Im a party. They have fraudulently forged and sold my alleged promissory note on the open market, and has made me an unknowing party to a pooling and servicing agreement in which theyve collected proceeds from and have not paid the taxes on and are in violation of 26 U.S. Code 7201. They dont have rights of a holder in due course pursuant to UCC 3-302, therefore their purported obligor is not obliged to pay the instrument since the person seeking enforcement of the instrument does not have rights of a holder in due course. This company is also in violation of public policy attempting to collect a debt not owed pursuant to 31 U.S.C. 3123. This company has apparently written off the debt, but is still continuing their illegal communication and collection efforts. Ive asked this company to verify the debt or cease and desist all communications concerning this matter, pursuant to my rights established under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this and would like it immediately removed. This was the result of identity theft.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023, I deposited a cashier 's check for {$110000.00} ( a XXXX XXXX XXXX  check ) into my account in person at Wells Fargo in XXXX, Wyoming. While waiting to deposit, the teller called XXXX XXXX XXXX  to verify funds. The funds were verified, and she told me my funds would be available at XXXX XXXX on XX/XX/2023. Today, they've put a hold on the cashier 's check due to " potential fraud from the sending bank. I called XXXX XXXX XXXX  and they verified the check was valid and verified the funds. Wells Fargo is still holding my money until XX/XX/XXXX. 
I think this is a fraudulent action by Wells Fargo as they've verified the funds and now aren't releasing my money into my account. Isn't the point of a cashier 's check to guarantee funds? And why would it take 10 days to re-verify and research that the check isn't fraudulent?
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I went to PNC bank Branch in XXXX, GA where i do most my banking to make an international wire transfer to XXXX for the amount of {$12000.00}. 
On XX/XX/2018 I saw a suspicious deposit in my account for {$11000.00}. Couple of days after that i went to the bank and shared my concerned about the Transaction.In my disbelief I was told the transaction is reversed International wire in my account from XXXX. So when i questioned the the dollar amount being {$830.00} less than original {$12000.00} I was told that the bank has to do an internal investigation and they will notify with the outcome.After few days i went bank to the Bank and they said they have not done anything wrong and the XXXX bank is charging me a exchange rate and return fee. I demanded to talk to the branch manager but he referred me to Mr XXXX which happens to be the regional manager.After speaking to him on XXXX XX/XX/2018 .he assured me to find out what the fees were and see if he can find a solution to solve the problem.i was out of country till XXXX of XX/XX/2018. Went to the bank on XXXX and i was told that there is nothing can be done. I asked for the breakdown of the of the numbers on Reversed International wire back in my account but they could not come up with the copy of the breakdown. I am so upset with lack of consumer protection in a my case. 
I feel like the banks ripping public off without any accountability on their behalf. all i want is my money nothing more nothing less. 


XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my XXXX XXXX account to payoff the loan for my XXXX XXXX XXXX XXXX. To date XXXX XXXX has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The XXXX XXXX website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
Product: Mortgage

XX/XX/scrub>XXXX was notified of increase to escrow payment by Shellpoint Mortgage Servicing. XXXX contacted Shellpoint to request details on calculation of increase and basis. Shellpoint customer service direct explanation to payment statement that was provided via mail. XXXX  received payment statement from Shellpoint with no description or analysis of escrow payment increase. 

Im requesting recalculation of escrow. In addition, customer service explanation was that increase was due to insurance increase. However, I pay both flood and homeowner insurance directly. It appears Shellpoint is attempting to increase escrow payment due to a broad application of costs across portfolio of mortgages rather than individually evaluating. In attempting to correct, Shellpoint refuses to provide individual details in an attempt to delay or wear down my efforts.
Product: Checking or savings account

Wells Fargo reference number XXXX OnXX/XX/XXXX, I opened a checking account in response to a Wells Fargo promotion for a " XXXX bonus offer. '' The Bonus code was XXXX. The bonus was the reason I opened a checking account with WF. 

The bonus required 1. open a new checking account with a minimum deposit of {$25.00} by XX/XX/XXXX 2. within 60 days of account opening, EITHER make 10 purchases/payments with your Wells Fargo Debit card or .... 

" We [ WF ] will deposit the bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met. '' I met the conditions of the promotion within the time period. After two statement periods, reflecting more than 10 debit purchases, WF refused to honor the bonus. I called WF three times. Each time, WF insisted I needed to make 10 purchases EACH MONTH. Ten/month WAS NOT a condition of bonus offer XXXX. 

OnXX/XX/XXXX I initiated a complaint via phone, ref # XXXX. Rather than the advertised {$100.00} bonus, which was the inducement for my opening an account with WF, I received a {$50.00} cashier 's check..
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED XXXX, XXXX, AND EXPERIAN, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN XXXX BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. XXXX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX XXXX XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN 30 DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN XXXX BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.
Product: Debt collection

Company LJ Ross and Associates attempted to collect the debt. 

Cost of debt was : {$3400.00} I have disputed this account before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and XX/XX/2023 I submitted investigation and validity letters to the credit bureau via certified mail, asking for them to investigate some erroneous invalid reporting. 

The credit bureau is double reporting an " unverified '' debt which is negatively impacting my credit. 

The alleged debt is from XXXX XXXX  # XXXX. However, XXXX XXXX XXXX  are reporting the same " invalid '' debt on my credit for XXXX XXXX  # XXXX. Neither company has any right to report on my credit because this is not my debt! Both creditors have failed to show me any accurate documentation to validate this debt! I want these immediately removed from my credit report. I have suffered long enough just trying to get through to robotics of this credit bureau not taking my investigations and credit seriously!
Product: Mortgage

I was notified by email ( see attached ) of an overage in my Escrow account and that a check had been mailed to my " address on file. '' I called Caliber Home Loans within XXXX hours of receiving this notification to verify my address at which time I learned they had the incorrect address. The representative said the refund check could be voided and a new check could be sent to the correct address. I was told " this usually takes up to 30 days but most times it does not take that long. '' Nearly 30 days have passed and I have not received the refund check, so I called XXXX again today. Upon calling today I was told that the check had been voided but they " didn't complete the second stop correctly. '' I then asked if the refund could be wire transferred or the refund check could be sent via overnight or XXXX day mail. I was told that could not be done. I then spoke to a supervisor ( XXXX, ID # XXXX ) who said she would " escalate '' a new check being cut and sent. However, she could not guarantee when the check would be sent. Also, I spent 30 minutes on the phone with Caliber trying to get this rectified, meaning I forfeited my entire lunch break to try and resolve something that was created by Caliber.