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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys
Product: Checking or savings account

Every month they were charging me a XXXX dollar fee, when the account was free from fees.
Product: Checking or savings account

I recently contacted PNC Bank, XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$700000.00}. PNC Bank response was : 1. ) I was responsible for the SCAM/FRAUD 2. ) PNC Bank refused to apologize for the SCAM/FRAUD 3 . ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4. ) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5. ) PNC did not conduct Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) of my accounts 6. ) PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( This is a Federal Offense ). 7. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity. 
This is also Financial Elder Abuse since I am over XXXX  yrs. old. ( This is a Federal Offense ). PNC Bank is denying that this is Elder Abuse. This is really wrong and the more I contact PNC Bank, the more the bank becomes disorganized and inept in customer service. What really hurts is I was a Valued and Model Customer for almost 10 yrs.at PNC Bank and now the bank is treating me like a Criminal. My Credit Score is ruined and I am being a FRAUD victim by SSA, IRS, Medicare, Social Security and the Credit Reporting Agencies. This is a total mess of my life!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Transunion denied me my free annual credit report, claiming I had already received it. I used the XXXX  site to request my three reports. While on the Transunion site I encountered an error which cause the site to fail to proceed. After reattempting to request my report I was told I had already received it. I had not. Of course, they then attempted to sell me a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account appearing on my personal credit report, as its presence constitutes a violation of consumer protection laws. 

This account is a business account and was not personally guaranteed by me. As such, it should not be reported on my personal credit file according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which stipulates that only accounts for which a consumer is personally liable should be reported on their credit report. Reporting this account as a personal obligation is not only inaccurate but also unlawful under the FCRA and other applicable consumer protection laws. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I've always ensured that payments on this account are made on time, avoiding any overdue charges. I'm unsure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Cosumer Financial Procetion Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX  - Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit reporting within four business days, pursuant to section 605 C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, CCI ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$560.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$920.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a loan with Balance Credit. I was behind on payments and they sent it to a collection agency, XXXX XXXX XXXX. The guy gave the account XXXX XXXX XXXX called me on Tuesday the XX/XX/XXXX. He was all over the place in what he was telling me. HE threatened me with a judgment or garnishment. Which legally he can not do.. He said he would get me a good deal if I agreed to a re-payment plan. HE DOES NOT have the authority to offer settlements. HE knew that I had unemployment coming in. HE said he would call me today the XXXX. as he had sent me a payment agreement to sign. I was not by my phone today when he called, SO what did he do he called my daughter on HER work no, which is a recorded line. HIS supervisor tried to say I must have put that number down as contact no. NO, I did not. That is her work no, and I never put that no down. JUST like he knew I was getting unemployment, w/o me telling him. HE went snooping to get that number. I would never give her number, much less her work no. HE talked to her about my debt, that it was a money issue and he needed to talk to me. IT was a recorded line, it's all recorded. What he did is very illegal. I probably would have worked with him, until he broke the law and abused my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

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

The account in question is American Express Revolving Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a XXXX XXXX account '' when the XXXX XXXX account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.
Product: Checking or savings account

I was XXXX on a basic XXXX XXXX  at XXXX on XX/XX/XXXX, I was finally XXXX XXXX at XXXX XXXX on the XXXX I received a direct deposit from XXXX XXXX XX/XX/XXXX of {$780.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX by the judge on XX/XX/XXXX at XXXX. I noticed that I had no money in my chime checking account. No one had my card while I was XXXX It was with my personal belongings. I immediately called Chime and disputed 18 charges. I provided them with court documents and my release paperwork from court proving I did not do or authorize these charges. I called each merchant and I was able to get 3 of them to provide me with a refund. I provided chime with the address of the shipping information that was not mine for some of the merchants. THEY DENIED MY DISPUTES. I re disputed and they denied again. Now they have denied it 3 times. XXXX said they back the unauthorized charges but Chime will not give me my money back!!!!!!!!
Product: Mortgage

As a result of filing a complaint for Case number : XXXX, Ditech has now accelerate the note to default because they claim they did n't know if we wanted to stay in the home and were restricted from calling us. This is unfair practice, not true and retaliation! I have made many attempts to call and left messages to response to my calls with no return calls. I have asked for repayment documents agreement and have never received them. We are only 2 months behind and when we finalize selling one of our assets, we will bring the mortgage up to date. Please advise on how we can stop Ditech from conducting this unfair practice and the acceleration.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft. As a result of this theft, there are several unauthorized inquiries on my credit report that I did not initiate or authorize. I would like to explain the situation and request your assistance in addressing these fraudulent inquiries. 

The unauthorized inquiries appear to have been made as a result of someone using my personal information without my consent. 

3. I have submitted a report to the Federal Trade Commission ( FTC ) through the IdentityTheft.gov website, which provides additional documentation of the theft. 


I would like to request that you review the unauthorized inquiries on my credit report and take appropriate action to remove any fraudulent inquiries related to this identity theft. These inquiries were not made by me, and I did not authorize any of the accounts or credit checks associated with them. 
this includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BK OF AMER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let me know if you require any additional information or documentation to process my request. I appreciate your prompt attention to this matter and your help in resolving this issue. 

Thank you for your understanding and cooperation. 

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

I had an account with XXXX XXXXXXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXXXXXX balanced {$170.00} XXXX XXXX XXXXXXXX balanced {$3000.00} XXXX XXXX BALANCED {$790.00} XXXX  XX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Mortgage

BASIC FACTS : In XX/XX/2019 I agreed to buy an investment property with Wellsfargo. I signed an P & S stating that the closing would be no later than XX/XX/2019. I made very clear upfront an in subsequent emails the ONLY way I will close with Wellsfargo is if they allow me to close in an LLC or instrument that does not disclose my name. 
In XX/XX/XXXXin confirmed via email that I wanted the investment property in an LLC and that the deed would not be in my name. 
Wellsfargo said they needed to see the LLC formation documents. My lawyer prepared those documents. Wellfargo rejected them. THey did not give a reason why or a policy. Simply said they will not close in a LLC. Wellfargo did tell us that we could convey the property to a trust and close that way. We agreed to prepare the trust documents. One XX/XX/2019, I was conditionally approved for the mortgage with Wellsfargo. 
My lawyer prepared trust certicate and sent that on XX/XX/2019 demonstrating we wanted a nominee trust. This is a trust that allows the beneficiary ( me ) to control the named trustees whose names will be public. 
Wellsfargo then waited until 5 days before my closing to tell me they would not allow me to close in a nonimee trust that I would have to do an intervivos trust. This was extremely disappointing. I tried desperately to find another bank that would close. 
On XX/XX/XXXX three days before the closing date ( we moved it because of Wellsfargo ) the closing manager for the FIRST TIME, explained Wellsfargo policy. The do close in LLC and nominee trust on jumbo loans only. THis was never conveyed to me. I would not have closed with Wellsfargo if they made clear at several check points that they would not close in either instrument. 
I had no other choice but to close with wellsfargo in my name. We were set to close on the XX/XX/XXXX. However, ( this is laughable ) on XX/XX/XXXX their system was hacked or went down or something and they couldn't get us a CD. So due to TRID laws we had to push back the closing 1 day. 
Through the attached communication you will an unorganized, unprofessional, confused communication. 
I am now bound to this hot mess of on institution and am disgusted.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

I am having trouble getting the mortgage servicer to speak with me. The mortgage company is Seterus. I am going through a divorce. My ex-husband is the person who borrowed the money, but I am on the deed and I also signed the mortgage. He moved out and down to Florida ( Im in South Carolina ) in XX/XX/XXXX. He has been court ordered to make the mortgage payments since XX/XX/XXXX, but has not done so. We got help from the hardest hit fund ( SCHELP ) to reinstate the mortgage through XX/XX/XXXX or XX/XX/XXXX, but he did not make any payments after that like he was ordered to do. I was sued for foreclosure in XX/XX/XXXX and I am trying to save my home. I am a XXXX senior citizen, and I do not want to be homeless. 

I have tried to speak with Seterus maybe six times in the last six months or so, and each time the Seterus representative refused to speak with me. I am a part owner of the property, and my name is on the mortgage along with my exs. I want Seterus to speak with me so that I can try to save my home from foreclosure now that my ex has abandoned me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loans with XXXX formerly XXXX. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called XXXX on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of XXXX and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and they corrected the problem. I am not sending the same documents to Experian so they can see the payments were made and remove the derogatory marks from my credit report.
Product: Debt collection

after checking my report I found this Inaccurate information.XXXX XXXX for the amount of {$220.00} dated XX/XX/XXXX XXXX Also, Credit Bureau Dated on XX/XX/XXXX for {$5100.00} another from XXXX XXXX Hospital for {$77.00} all of those are inaccurate because I have had XXXX and XXXX XXXX XXXX please remove these Incarcerate filed.
Product: Credit reporting or other personal consumer reports

At First It Said Account Open In XXXX Of XXXX Now It Is Say XXXX Of XXXX The Account Isn't Mines At First It Was A Whole Other Last Name And Phone Number And Address They Said They Was Gon na Remove It Credit Bureau And The Company Ask For My Address I Gave It To Them Now They Saying They Can't Remove It
Product: Credit reporting or other personal consumer reports

Lexington law states they would remove items from my credit report and they didn't. Occurred XX/XX/XXXX. They continued to charge me XXXX until XX/XX/XXXX
Product: Debt collection

I currently have in collection of debt through a company called LVNV through an original creditor XXXX  XXXX XXXX. It states on my credit report that I opened this account XX/XX/XXXX of XXXX. This information is incorrect I opened an account with XXXX  XXXX XXXX  almost 7 years ago in XX/XX/XXXX I closed the account in XX/XX/XXXX which I paid satisfactory every single month and willingly closed the account myself. This company has never mailed me any piece of mail stating I owe them anything. I know I closed my credit one account almost 7 years ago. This is unfair reporting and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights YOUR COMPLAINT In accordance with the Fair CreditReporting act. The List of accounts below has violated my federally protected consumerrights to privacy and confidentiality under 15 USC 1681 the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has violated y rights with this information on my report under 15 U.S.C 1681section 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, credit repair services, or other personal consumer reports

Of the three credit agencies, Equifax has mistakenly confused my identity with someone else. I have submitted 3 disputes and Equifax has not been able to correctly update my name, social security number, date of birth and verify that information with all of the accounts it is reporting as part of my credit history. I am at a loss in knowing how to prove something that is not true - even after uploading numerous documents to prove my identity.