23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon pulling my credit report I noticed Toyota Financial Services listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched with no response. On XX/XX/XXXX, I sent another request for the information never received from my XX/XX/XXXX request with no response again. At this point this inaccurate debt should be removed from my report immediately as this has been a hardship on myself and my family. Please assist. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched # XXXX XX/XX/XXXX XXXX  Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY USAA should be illegal ) Kindly Note USAA SAVINGS BANK ( *Partial Acct # XXXX **DATE OPENED XX/XX/XXXX*** Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. USAA CHANGED NUMBERS. 5 years later ALL USAA MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH USAA OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.
Product: Mortgage

Fay Servicing has continued to ignore my written and verbal requests for my mother 's XXXX impound refund. This should have been returned when I brought her loan current when she passed away. I am the executor. The loan was brought current in XXXX I believe and was paid off XX/XX/2018. The title company gave them the forwarding address for the check and I personally called them. The person on the phone said he was sending it to XXXX XXXX. I explained that they had paperwork from a year ago that says my mother does not employ them. They assured me I would be sent the check. Its been over a month and I have called many times they said they sent the check to XXXX XXXX. XXXX XXXX who is a legal firm says they do not have it. Fay Servicing is once again withholding money which is due my mother 's estate. There is also a XXXX amount that was on the payoff statement that said refundable and they will not give me any explanation. This lender feels like they can ignore individuals and they answer you with some random untruth and its settled. I go to court with them in XXXX over the 26k, but want the impound account back of XXXX.
Product: Credit card or prepaid card

I use the Wisely ADP prepaid card for almost 2 years and I received one stimulus here and my taxes and payroll direct deposit and on the XXXX of XXXX I was going to receive my taxes in the amount of {$27000.00} that day and they made me put in my W2 my ID my SSN AND MY IRS LETTER BECAUSE OF MY LARGE AMOUNT GOVERMENT DIRECT DEPOSIT AND THEY STILL HAD THE NERVE TO NOT ACCEPT IT EVEN THOUGH THEY ACCEPTED ALL MY DOVUMENTS AND NOW I HAVE TO WAIT 2 weeks for paper check so not fair and I loved this prepaid card so much never had troubles and now I am!
Product: Credit reporting or other personal consumer reports

ON WEDNESDAY XX/XX/year> ; BELOW I RECEIVED THIS XXXX RESPONSE VIA EMAIL IN REGARDS TO A DISPUTE DATED XX/XX/year>. 

( ( We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer @ s file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX XXXX 
Connect with your credit day or night for FREE. View your Free XXXX Credit Report ) ) I CALLED XXXX TO AUTHORIZE MY DISPUTE. THEY HAVE NOT FOLLOWED THROUGH.
Product: Debt collection

I received a notice from " medicredit '' that a " past due '' medical bill of {$70.00} from XXXX XXXX XXXX in XXXX was sent to collection. The issue is that I never received any form of notice or statement or phone call for said medical bill. I have received other medical bills from XXXX XXXX. However, I was never notified that I had an outstanding balance. I am upset that I was never properly billed/ notified and this was escalated to collections, in which, will be harmful to my credit. Upon calling XXXX XXXX for clarification I was told that they were unable to give me an itemized bill or any information on this debt. 

Additionally, I have made other payments via their payment system and I have luckily kept the receipts because the payments have been " lost ''. 

The billing system for XXXX XXXX clearly isn't working but I was wondering what steps should be taken
Product: Checking or savings account

Wells fargo lost a class action lawsuit in which they opened accounts without consent of their clients. They continued the practice without letting their clients know. When asked about the fee they would just send a new debit card, but the fees would keep happening. This has been happening to me for 121 months. 

On around XX/XX/XXXX I called wells fargo to report a fraudulent transaction on my checking account and told the person that I see at least 8 of these fees happening once a month on every month. He said he took a more detailed look at it, and he found only 3 and that I would be reimbursed, the transactions will be blocked in the future, and they would send me a new debit card. Good enough for me but it does not stop here. 

On XX/XX/XXXX I notice the same fees happening every month and call again call again, I also tell the representative that this is the same thing I called about 10 months earlier. The person looked into the previous and was surprised that there was a record of the call but no notes on what happened and that was weird. They then opened a claim on this and sent me a new debit card. I smelled something fishy, so I looked at the statements myself. I finally deciphered the numbers and called the correct company that was making the charges, XXXX. They, inadvertently, were forthcoming with more information. This account was opened in XX/XX/XXXX and could have only been made in-front of a teller. They reimbursed me 16 transactions without my consent. 

Wells Fargo had opened an account without my consent or knowledge and slowly it was charging me under my nose. I changed debit cards multiple times in the 10 years of them applying this fraudulent charge but that did not make it stop. Losing a class lawsuit on this also did not make them stop. The only way it stopped is when I learned about it myself and researched the numbers in my statement. 

The Wells Fargo person who I first talked to in XX/XX/XXXX was lying about the fee and did not open an inquiry to resolve the issue. In XX/XX/XXXX a claim was opened but it was shuffled multiple times ( attached picture, ) they kept closing the claim and opening a new one. 

They finally sent me a notice stating that I opened this account, and they could only reimburse me for 60 days. Complete lies. The employees are deliberately continuing fraudulent actions at Wells Fargo and gave this a run around without using proper channels. They should be found and fired.
Product: Credit card or prepaid card

I opened a account I was told it would be pay ed off in a year it not I haven't gotten any where they misled me I'm a senior citizen
Product: Debt collection

XXXX XXXX 2022 Debt was a high interest loan higher than normal and I couldnt pay it down fast enough. So I tried getting a affordable payment plan, perhaps a few months to start because of a unemployment issue. Now the debt been sold and is on my credit report causing damage to my credibility and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I have included a copy of the dispute letter I recently sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies on my credit reports from XXXX, XXXX, and Experian regarding the following issues : Unauthorized Inquiries Late Payments Collection Charge-Off Account Despite my efforts, these inaccuracies remain uncorrected, which is negatively impacting my credit score.
Product: Debt collection

Aldous and associates failed to provide a liable signature document showing proof I went to blink fitness and also refusing to remove that fraudulent debt account from my credit report or send any formal documentation or agreement to prove that the collection account is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

BILLING DISCREPANCY PLEASE REMOVE INNACURATE PAYMENT INFO, PAYS AS AGREED 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  Payment Status Current account/was delinquent 90 days past due date Worst Delinquency 90 days delinquent Balance {$1400.00} Credit Limit {$1300.00} Credit Utilization XXXX  %
Product: Credit reporting 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 adverse item of information, other than records of convictions of crimes which 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.
Product: Credit reporting or other personal consumer reports

IRS Publication 1451-75 clearly states that lenders are required to file Form 1099-C only when the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity. By Definition, the IRS Clearly says a Cancelled debt or charge-off is Income. The reporting of this account as a debt is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the oldest transaction that I took out money with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was about 2 years ago. It has been a while since I took out a loan due to being in school and pretty much they provide me with loans on behalf of the school. This new collection which is under the name of XXXX XXXX XXXX = Debt recovery solution is unrecognized due to never receiving letters which I should not due to not ever taking out another loan of {$310.00} by this company only XXXX XXXX XXXX XXXX. I tried disputing it with XXXX XXXX but they did not help. This new collection was recently placed back in XXXX and the new date that has changed to XX/XX/XXXX. I am always checking my credit due to having to keep track of the loans that I receive from the school which is how I noticed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXXXXXX  Dear Experian, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX
Product: Mortgage

On XX/XX/year> Bank Of America dismissed the foreclosure of my client without further prejudice or cost and vacated the sale of the home. Bank of America acquired this property due to a merger. We have contacted BOA they say they do not have the rights to service these loans and provided us with the ( Possible ) servicers of this loan. Neither XXXX or XXXX have any information or acknowledge they have ever serviced this loan. We followed back up with BOA they then redirected us back to the same servicers and FDIC. FDIC says ONLY BOA have the ability to give a lien release and that we should conact the CFPB. Property address is XXXX XXXX XXXX XXXX, IL XXXX Case Number : XXXX XXXX Borrower Name XXXX XXXX We never received any updates since the original complaint. 

To this date I can not sale my property, refinance, nothing because it appears BOA has a loan on title.
Product: Credit reporting or other personal consumer reports

Please Remove All Equifax Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please Remove All XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlease XXXX XXXX Accounts ( XXXX, Equifax, XXXX ) XXXX XXXXXXXX XXXX Account XXXX Date XXXX : XX/XX/XXXX ( please remove immediately ) XXXX XXXX XXXXount number XXXX Date opened : XX/XX/XXXX ( Please remove immediately ) XXXX XXXX Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights.

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

In XXXX I initially filed a complaint with the CFPB, number XXXX. 
In the complaint I argued that Equifax took longer than 30 days to verify a negative item on my account. In fact, right now we are at 8 months and their investigation still shows incomplete. 
I filed complaint XXXX with the CFPB, and Equifax said they would look into it. 
One month later, Equifax responded. 
They didn't disagree with my complaint at all, and further said it was removed from my account and no longer affecting my credit. 

This is another bold face lie from Equifax to further distance themselves from any culpability and financial responsibility. This is another disgusting abuse, that is absolutely illegal and protected by the CFPB. 

Equifax needs to immediately remove this negative item from my credit report. They can't act as judge, jury, and executioner when they are in the wrong and committing illegal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE