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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXXXXXX {$960.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXXXXXX XXXX {$710.00} XXXX XXXX XXXXXXXX {$8800.00} XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$0.00}
Product: Mortgage

we had a modification with XXXX XXXX  when BSI bought loan did not take it over. tried get me sign new paperwork then put me in foreclose do to not signing. I called several time with no call back. putting over XXXX XXXX in escrow and charging me late fees. I ask several time why the XXXX  was not the same just would tell me to sign paperwork send back. they never even called old mortgage company for XXXX. i have not been perfect in the past yrs with older mortgage company 's do to a string of family health problems and bills but did not miss one payment when XXXX XXXX put me on XXXX. all I want to do is to down size my house and move. I like to fix few things in house try sell it for top dollar so BSI get their money maybe I walk away with something. but I would have to be out of foreclose to be able move on.
Product: Credit reporting or other personal consumer reports

I have a security freeze, but can not find my PIN. I also have an updated address. I need the address updated and the PIN sent to my new address.
Product: Mortgage

Wells Fargo intimidated me into refinancing my mortgage by threat of Foreclosure. I came home to find a " Foreclosure '' notice on my front door one day. I contacted WF right away and they told me that I had not made payments to them in 2 years. I was young and unfamiliar with my rights as a homeowner and they exploited that by threatening to take my home from me. 

My biggest question to them was where have all the payments that I made gone? They told me I didn't make payments. I have bank statements showing all of my payments. They told me they weren't applied to my account because they were for the wrong amount. Apparently for 2 years I was paying the wrong amount and instead of addressing it with me after the first " missed '' payment they waited 2 years and tried to force me into foreclosure. 

I have been fighting this for nearly 10 years with no cooperation from WF. They state that I went delinquent but they wont tell me when. They provided me with statements showing my payments with " unapplied '' written next to them, totally proving my case, but still claim that I never paid. The unapplied payments total about {$22000.00}. When they intimidated me into a new mortgage, they added that amount on top of my supposed mortgage balance. This means that I am now responsible for {$22000.00} more dollars and still have no credit for the {$22000.00} I already paid. I took out my mortgage for {$150000.00} in 2007, my current balance on my mortgage is {$170000.00} after 14 years of consistent payments. I need someone to explain that to me. 

I have tried hundreds of times to work this out with WF but they won't listen to me. I filed with the XXXX  and WF still denies liability and will not speak with me professionally about this. Just today they screamed and yelled with me and told me " You can keep filing XXXX  claims, but you will never win. '' They said I had to do a new mortgage because I was delinquent, I asked him to tell me when that started and to look at the paperwork they sent me so we can go over it and he refused. He also told me that I waited all these years to do something so I am out of luck. I told him to check his customer service records because I called at least a dozen times a year for the past 10 years. Even if I didn't, I have every right to my money that they basically stole from me. He also said there was no chance I was getting anything back from them because I signed the refi so I don't have a leg to stand on. THIS is why they are shady. They tricked me into a refi under false pretense and now I have no rights????? That is soooo calculated. From what I have researched recently and all of the class actions suits out there against WF this is just par for the course with them. Multiple lawyers have reached out to me to get information about my claim with XXXX  but unfortunately my circumstances don't match any of the current class action suits, but I find it hard to believe that I am the only person they did this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just reported a 30-day late mark ( XXXX XXXX ) on a XXXX account for a car that I paid off with a trade-in at a local XXXX dealer in XX/XX/XXXX. In addition, Equifax reports three consecutive " 60-days-late '' from XXXX XXXX. This clearly violates the FCRA, because the payment history is false and inaccurate. It's also a deliberate attempt to damage my credit. 

I DEMAND that ALL of these late payments be removed IMMEDIATELY from my Equifax credit report!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX. 
, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect wrong Employers : My credit report shows the wrong employer. Please update my employer. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

In order to make a long story short, I will try to stick close to only the details. 

My mother passed in XXXX of 2020. My father passed in XXXX of 2020. This was a complete shock to me. 

I had a Power of Attorney for my father and an Affidavit of Heirship and I submitted this to the bank. 
At this time as well I was 5 months pregnant and my husband had just been in an accident and it was the middle of the pandemic and I lost my job. 
Wells Fargo said that they could help us by postponing our payments. They said that all we had to do was call in every 3 months and let them know if we still needed to freeze the payments and at the end I could get those payments put to the back of the loan. 
When the end of that came about I called and they told me there were steps that I needed to go through an assumption/modification. They told me that my credit wouldn't be a factor, they just needed proof of employment from my husband or I. They said my husband could be a non-barrower contributor. 
To make a long story short, every person almost that I was speaking with at Wells Fargo had a different story about what needed to be done, how much was owed and what the process was going to be to get everything in my name. 
I am a mother of XXXX and wife to XXXX but the misinformation has been so vast since dealing with them, it has kept me worried and on edge. The mortgage keeps going up and down even though it's supposed to be a fixed rate. They have asked me for the same documents at least 15 times and keep kicking me out of the modification program and making me start over again. They said I have not submitted my information on time but I have sent them through email and fax because they have not given me access to there portal because my name is not on the loan yet. Because my name is not on the loan, I have missed out of solar opportunities and home improvement opportunities. 
My husband and I moved into this home with my parents to help take care of my mother and then my father when he got ill. We had not intention on purchasing a home but now I don't want to loose my parents home because they keep putting me through a circus. I can't afford to pay a high mortgage amount but I can afford a low payment that we can maintain. 
I have a million things on my plate and this is just something hanging over my head and it feels like they are trying to make me loose the house. I don't want to pay high mortgage and my children don't have food to eat when they could modify the loan and make it affordable for us to keep my parents investment. 
It feels like these have got to be illegal activities and they are trying to push us into foreclosure instead of modification. 
My husband is veteran and we are struggling like most families right now and they have been making my grieving process and recovery from 2020 a worst experience than it already has been. I'm just asking them to be fair!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated [ date ], in which I formally disputed several accounts currently appearing on my credit file. In the initial dispute, I requested validation and verification of the said accounts, as they do not belong to me. 

To date, I have not received any documentation or proof validating the legitimacy of these accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive proper verification within a reasonable time frame. It has been two months since my initial communication, and I am concerned about the lack of response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Sold medical bill to 3rd party. Violation of hippa. Also it shows late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft. new inquiries are not mine as folllows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased a XXXX XXXX Induction Range in XXXX. Upon delivery, I discovered that the range top, the glass surface, is not flat, it is bowed in the center from front to back. Sears several weeks later brought a replacement range, but that replacement had the same issue & I refused it. I wrote XXXX letters to Sears : the first to the CEO, and received a reply simply saying " ... thanks for telling us of your problems ... '' but not addressing the issue ; the second, to Sears CITI Credit Card ( on which I charged the range, saying that I did n't think I should have to pay interest charges until the issue was resolved ). I received no response. I then called CITI Bank to discuss the issues - since they issued the Sears CITI Bank MasterCard. They said they could n't help, that I 'd have to talk to Sears. I told them Sears was worthless. The store manager said he 'd give me a financial discount ( I told him I did n't want that, I wanted a range that was properly built and did n't have warped top ). He promised to return phone calls after checking on things several times ; he never called. After XXXX letters and maybe XXXX phone calls, somebody FINALLY told me of a Sears problem resolution center which I contacted. on XXXX/XXXX/15, a technician looked at the range, my level on the top of the range and my pictures of pans, w/ several ounces of water running to the exterior sides of the pans, and he agreed that the range top was defective ; he said he 'd order a replacement top. On XXXX, somebody from Sears called me to tell me they had to change the replacement date schedule for the top. I NEVER was told there was a scheduled date for replacement ; during and after the technician 's visit, I was never given a date for service. I called CITI Card tonight, and they repeatedly told me that they could n't help me, that I had to call Sears. SEARS has been worthless in helping w/ this issue. CITI CARD Services issued this card, via Sears, but they are UNWILLING to stand behind it! I will NEVER do business with EITER, EVER AGAIN! I want them put out of business! I simply want a XXXX XXXX Induction Range with a flat surface ; this is what I expected, paid for and expected. If they can provide it, they must do so - immediately ; if they ca n't, then they must remove the defective product they sold me, cancel ALL charges related to it, provide me just compensation and move my previous electrical range back up from my basement to my kitchen, reconnect it and do so w/o damaging it. This - IS NOT COMPLICATED!
Product: Debt collection

Most recently on XX/XX/22 I contacted grain tech by email which is the company that comes up on my credit report i let them know prior to this already, but thiswas following up and i let them know Ive contacted other bureaus and that this account is fraud / identity theft .. they they wanted me to provide a police report and i did, they responded saying but no evidence was found that would indicate this Grain account was involved in fraudulent or suspicious activity what they said would be incorrect because i didnt know anything about grain prior to reporting to the police or i would have told them plus my identity was stolen with my wallet .. social security card is on the report also ..so the grain company said they wont be further looking into it and i would like some help with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

im very upset of what has been reported on my credit report. it has caused me hundreds of dollars in interest a year for the failure of maintaining the accuracy and fairness the bureaus duty to report. Please help me remove this accounts for I will be seeking remedy if failed to do so. this is in violation of my consumer rights and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am following up on correspondence dated XX/XX/2021, about the bankruptcy that that reporting on my credit report with Transunion stating that it was verified. I've attempted many times to have this account investigate, but somehow Transunion has verified this bankruptcy as being accurate. I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party must likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.
Product: Debt collection

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them.
Product: Debt collection

What type of problem are you having? I am trying to get my credit in order and I have a collections company YCCS located in XXXX Washington my home town that has piled on a pretty big bill, wich I could have paid back eventually had they not tacked on a absolutely ridiculous interest rate and never contacting g me or even sending me a letter stating the amount of money I owed ever. Now it is at {$19000.00} and most of it is interest since its been building it for probably 12 years or so with out my knowledge. I have agreed to start paying XXXX dollars a month and they faxed me the paper work and when I am finished paying it off I will have paid XXXX dollars wich seems a bit out of hand and its really making it hard on me. I am a XXXX father of a XXXX XXXX XXXX girl who has made some mistakes in the past but I am trying to fix my credit and buy a house so I can raise my girl in a nice home. And where I live I could buy a nice home for XXXX dollars and put the money into my local economy. Anyways I feel like Im being taking advantage of and I also feel like this cant be legal if you could please help me out with this I would really appreciate it my email address is XXXXXXXXXXXX, my phone number isXXXX and I live at XXXX XXXX XXXX XXXX MO. I am very busy working and taking care of my daughter the best way to contact me is an email. 


Thank You XXXX XXXX Who are the people involved?
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.
Product: Student loan

Navient is refusing to refund my federal student loan payments made during XXXX even though XXXX is directing them to do so!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning my account XXXX XXXX XXXX account number XXXX After reviewing my credit report, I have found late payment and charged off entries that I are incorrect. 

XX/XX/year> - reported 30 days late XX/XX/year> - reported 30 days late XX/XX/year> - reported 60 days late XX/XX/year> - reported charged off Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. I request that you investigate this and update and correct my credit report to reflect the accurate payment history. 

Please provide me with a written confirmation of the outcome of your investigation. 
Thank you for your attention to this matter. I look forward to your timely resolution.