23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now First Heritage is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.
Product: Mortgage

Wells Fargo is denying our application for a loan modification. Their servicer, XXXX XXXX XXXX, has been requiring XXXX forms to be filled out and submitted at least six times in the last two years. Each time, we have been denied a loan modification - despite qualifying for a HAMP modification due to XXXX and loss of income. Wells Fargo is XXXX of the XXXX large financial institutions participating in the HAMP program. We do not understand why they are denying us a loan mod when they have received government monies to do just that - modify loans. Please help us sway Wells Fargo into doing what they have promised. 

Thank you, XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

While I paid this debt off in full, the company is still reporting this Debt as a Charge Off. I have {$0.00} balance and I paid them in full. So the account status is wrong
Product: Checking or savings account

Historically, any deposit into the account was available immediately. Without any explanation, my ability to access funds deposited into the account - and to transfer externally out of the account via XXXX- has been reduced.
Product: Credit reporting or other personal consumer reports

These companies requested my credit report without my permission. Please provide me with WRITTEN authorization from ME, giving them my authorization to request my credit report, if not delete from my credit immediately. 


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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inaccurate and delayed reporting of my mortgage account to your credit reporting agency. I have recently reviewed my credit report and noticed that my mortgage payment history, specifically for the following months was not reported accurately and as a result was reported late. 
30 Days Late : XXXX, and XXXX 60 Days Late : XXXX, and XXXX My mortgage account number is XXXX, and I have always made timely payments in accordance with my agreement with Rushmore Servicing. However, despite my consistent payment history, this information does not appear to have been reported to your agency in a timely manner. 
The inaccurate reporting is resulting from XXXX XXXX XXXX XXXX incorrectly collecting property taxes. They have finally corrected the escrow analysis, and updated my payments, but have yet to credit the overage from XXXX XXXX. XXXX XXXX has already sent the refund back to XXXX XXXX, but XXXX has not applied the credit to may account. Each time I make the correct payment, they are not applying the payment to the monthly amount due, which is further causing more lates and more service fees to be added. Attached to this letter is my proof of payments, Communication with the County on Tax Credit. I can provide the emails, but will need the ability to forward them to you directly. 
The failure to accurately report my mortgage payments is negatively affecting my credit score and is not reflective of my financial responsibility. As a result, I am requesting that you investigate this matter immediately and update my credit report to reflect my true payment history. 
I also kindly request that you provide me with written confirmation that this issue has been resolved and that the late payment ( XXXX ) are corrected on my credit report. 
Please consider this letter a formal request for an investigation and correction, as required under the Fair Credit Reporting Act ( FCRA ). I expect this matter to be resolved promptly and for my credit report to be updated within the legally required 30-day timeframe. 
Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 
Sincerely,
Product: Mortgage

I had a mortgage with Wells Fargo and prior to refinancing the mortgage, I had numerous erroneous late fees charged and I did file complaint while I was an employee for fear retaliation. The mortgage was refinanced in 2021 and I paid over a thousand dollar in erroneous late fees. I am requesting this to be refunded as I heard about the recent news regarding this matter.
Product: Debt collection

After reviewing our credit reports from XXXX, XXXX  and XXXX, we were shocked to see a firm called Statebridge stating that we owe them a mortgage debt. We never heard of Statebridge. Disputes have been submitted to remove Statebridge from our credit reports. Please help us keep Statebridge from attempting to cause us financial harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My LexisNexis report is enabling me to get verified for employment and housing because the person information the agency are reporting is fraudulent and was listed on my Identify Theif report my name has a middle name and a different ssn is reporting so I cant be verified by any employers and creditors I have dispute by correspondence and on the phone but CRA willfully not deleting the fraudulent information addresses and Names and ssn number thats a violation of the fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare acknowledges payment of account in full in XX/XX/XXXX but has certified that 180 day late payment on my XXXX  credit report in XX/XX/XXXX is valid. Due to this willful and wrong reporting i have been denied credit. 

XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I disputed this with XXXX  XX/XX/XXXX XXXX  reported that the company that reported the information has certified to XXXX  that the information is correct XX/XX/XXXX Filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX Mortgage servicer provided letter stating that payment history is being reported correctly while contradicting themselves in letter I have called the number given to me in the XX/XX/XXXX letter everyday since then and the office has been closed everyday since.
Product: Credit card or prepaid card

I signed up for the AMEX Starwood Preferred Guest Business credit card. I applied for the card on XX/XX/XXXX and was approved by XX/XX/XXXX. 

The promotional terms of the offer was XXXX SPG points for a minimum spend requirement of {$8000.00}. I put a {$20000.00} charge on the credit card and payed the balance off in full on XX/XX/XXXX. 

I received approximately XXXX SPG points for the charge I put on the card. However, the bonus points of XXXX SPG points never posted to my account. 

I have opened numerous inquires with AMEX and they keep insisting it will " be another 6-8 weeks to complete the investigation '' I have spent several hours communicating over online chat with AMEX. 

Attached is a confirmation with an AMEX representative confirming the bonus spend and terms were met and a receipt of payment from AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated or corrected these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted three different disputes to Equifax about my name being incorrect on my credit report. Not only do they use my unmarried last name in place of my current married last name, it is also spelled wrong. I want my married last name to appear on my credit report, and I'd like my unmarried last name to be spelled correct when it is listed under former names. 

I submitted disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, and these disputes were closed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, respectively. In the process of going through these disputes, I sent Equifax copies of my Social Security card and a current pay stub, each with my correct current name on them. 

After these three disputes, my name is still not correct on my Equifax credit report, which is extremely disappointing and frustrating.
Product: Debt collection

I am filing a complaint regarding XXXX XXXX XXXX ( XXXX ) due to the inaccurate information they have reported on my credit file. This information is related to an account I have no knowledge of and did not open or authorize. 

Upon discovering this unauthorized account on my credit report, I promptly contacted XXXX XXXX XXXX. I took the necessary steps to confirm that this account resulted from identity theft, including submitting a police report that details the theft of my identity. Despite providing XXXX with clear evidence, they have not removed the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
Product: Payday loan, title loan, personal loan, or advance loan

I want to pay off my loan in XXXX large installments. However on XX/XX/2023, my original lender XXXX by XXXX XXXX informed me that servicing of my loan was being to transferred to Systems & Services Technologies , Inc ( SST ) on XX/XX/2023. ( Email attached ) According to XXXX, SST was to email me information about service transfer which would include the account number and ways to access/manage my account online. 

As of today, XX/XX/XXXX, SST has not reached out to me with a Welcome notice -- not by email, phone, or mail. I still do not know my account number or how to pay online. I have tried to contact them by telephone in order to prompt them to provide this information, however, they have a large telephone queue backlog during most parts of the day. As of XX/XX/2023 at XXXX XXXX XXXXhere was in a queue of XXXX customers with a wait time estimate of XXXX minutes. Clearly, it is very challenging to get this information which I am entitled to and should have been made aware of before XX/XX/XXXX. 

As I stated, I have budgeted to payoff this loan in XXXX installments ( roughly {$2500.00} each ) but I am on hold until SST does their part. The servicing transfer process has not gone as expected and I hope the CFPB can help with the Welcome notice so I can move forward with ending this loan.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Receivable Management reported to all three bureaus back in XX/XX/XXXX, I reached to them and sent a debt validation letter and no response. They started calling again and told them the debt was paid and to remove their reporting. Beginning XX/XX/XXXX they start calling again, I sent another debt validation letter and waiting for a response. I have attached the letter to this email.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my consumer report and noticed Transunion have took an unjust advantage by reporting anything you want without my written consent and directly violating my privacy. My social security number is my consumer account and anything that is used from it or connected to it must have my explicit written consent. I request proof and a copy of the legal government document I have provided. My consumer report shows my nonpublic personal information being used unlawfully and exposing my private information without my explicit written consent. Late payments, Accounts, Account balances, Utilization are all nonpublic personal information and without my authorization or consent is identity theft. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to block everything identified from being reported to consumer report within 4 days from the date of this letter.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXr 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privac 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
Product: Checking or savings account

I am writing to express my dissatisfaction and concern regarding an issue I recently encountered with Fifth Third Bank. On or about XX/XX/2024, I received an email from your institution, which I have attached for your reference. The email, titled " Important Information Regarding Fifth Third Bank Remittance, '' notified me that the payment I made on XX/XX/2024, in the amount of {$3000.00} to XXXX XXXX XXXX, was returned due to an invalid payee address. 
While I understand that errors can occur, what concerns me is the lack of communication from Fifth Third Bank regarding this matter. Despite the notification in the email, I have not received any indication from your bank that the payment was returned to my account or that I have a credit in the same amount. As a customer, I expect transparency and timely communication from my banking institution, especially in cases involving financial transactions. 
I would appreciate it if you could investigate why Fifth Third Bank did not inform me or email me regarding the return of the said payment. Additionally, I kindly request that you provide me with an update on the status of the payment and any actions taken to rectify this issue. 
Please treat this matter with urgency, as it directly affects my financial affairs. I trust that Fifth Third Bank will take the necessary steps to address this situation promptly and prevent similar occurrences in the future. 
Thank you for your attention to this matter. I look forward to receiving your prompt response.