23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

CAPITAL ONE Attn : Consumer Dispute XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account # XXXX=>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Executive Manager ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX DAY LATE  PAYMENT I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX XXXX 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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, OH, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with another ridiculous explanation that once again has nothing to do with the problem. I got mail again today from experian wanting bank statements and insurance statements THERE IS ABSOLUTELY NO WAY I AM AGAIN SENDING THOS FRAUDULENT SCAMMING COMPANY MY INFORMATION AGAIN
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid charge offs and requested deletion of closed accounts with no response.
Product: Mortgage

I am writing to : Dispute a letter from Shellpoint Mortgage Servicing stating I had insufficient funds in my checking account to make a scheduled ACH  withdrawal payment in the amount of {$820.00} on XX/XX/XXXX. This was the second schedule installment of a three trial period payment plan. 
I scheduled my 3 payments with Shellpoint 's ACH withdrawal system on their website. My first  payment for XX/XX/XXXX and third  payment for XX/XX/XXXX both, in the amount of {$820.00}, successfully cleared Shellpoint Mortgages ACH  withdrawal system. 
I emailed and spoke to Shellpoint representative on the error that occurred for the 2nd scheduled payment submitted on XX/XX/XXXX for XX/XX/XXXX. I told her that I'm willing to provide proof from my bank account that : I had sufficient funds available for the Payment of {$820.00} No attempt was made from Shellpoint on my account ending in XXXX to withdrawal a payment of {$820.00} that I scheduled on XX/XX/XXXX. 
I asked her for the Bank routing and account number that Shellpoint showed setup in their system for processing ACH withdrawals from my account to make the 3 scheduled payments. She said it is my bank account and an account number ending XXXX. 
I said, Theres some mistake in Shellpoint 's ACH  withdrawal system because my account does not end in XXXX but it ends in XXXX. She said thats not true because shes looking at my information in their system and it shows all of my payments are setup with the account ending in XXXXfrom my checking account. I told her I can send proof showing my correct account number ends in XXXX, and I'm willing to make the payment today to correct the ACH Withdrawal error.

She refused my proof, and offer to make the payment for XXXX. She refused to investigate the ACH  withdrawal error from their system showing my account ending in XXXX. 

I contacted my bank and asked if they could provide me proof on this ACH  withdrawal error that occurred on XX/XX/XXXX. My credit union found evidence that Shellpoint Mortgage attempted to make a withdrawal from the wrong account that ended in XXXX. 
I also would like to add that Shellpoint never Called or emailed me about this payment error. However, they sent a letter with incorrect address. When I reviewed the emailed copy of the loan modification letter from Shellpoint, I informed them that this address was not correct and needs to be updated to my correct address. The lettered was dated XX/XX/XXXX, and I did not receive the emailed copy until XX/XX/XXXX. This only gave me 4 days to review the loan modification or any errors and begin making payments. 

I paid the Legal advocate team over {$2000.00} to help with the loan modification which started in late XXXX. After my house went in foreclosure  in XXXX of XXXX I gave them nearly {$900.00} to help resolved this issue. But as of today they have not done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account reporting on trans union that I have provided information for showing I do not owe for this account. The items previously purchased were returned and I received an email from customer service of the company that I would not be turned over to collections. I have asked for Tansu ion to remove this collections account and provided proof with the email from the original creditor however the collection account has not been removed.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 {$160.00} This amount was paid to two different collection agencies. The amount has not been removed from my credit report. The service was terminated by my choice. I called to notify XXXX of no longer needing the prepaid service in advance. They received a bill multiple times. Paying the {$160.00} twice. I want this removed it is fraud for XXXX XXXX to charge me when I have paid the amount due. Then they refuse to remove it from my credit. I want this resolved.
Product: Money transfer, virtual currency, or money service

A person claiming to be XXXX XXXX called me and told me about their services of an personal investor. Ive sent {$2600.00} over the past month through XXXX with Wells Fargo. When I tried to get some withdrawn I was blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Remove and delete Address XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX AV XXXX XXXX FL XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -Equifax Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -Experian Remove Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Delete Inquiry XXXX XXXX XX/XX/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
Product: Consumer Loan

This is in response to previous complaint XXXX. The issues from this complaint were not addressed. 

1. Denied loan due to " GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION. '' I do not have any of these items on my credit report, nor have I ever. I called XXXX and verified that what is is listed on my credit report is NONE of those items. My credit report states some cards were " being managed by a credit grantor/ financial counseling program. '' A debt management program is VOLUNTARY, not ATTACHMENT! 
2. I was wrongly denied this loan. 
3. On XX/XX/2016 I was called at XXXX by XXXX from the chairman 's office. I returned the call 30 seconds after I recieved the message, and the call did not ring and went straight to XXXX at the chairman 's service voicemail. I have left many many messages, while calling XXXX over and over again, almost every day, for the last two months. I have called corporate numbers, where they have said they will send an email to get someone to call me back. Conveniently, no-one ever does. XXXX XXXX, who provided the response to my original case, has provided me the same number to contact them. I have phone records of all of my attempts to call and reach anyone at this company. 
4. I feel this company is extremely shady, and I will be sending letters to XXXX, the company this iPhone upgrade loan is through, to provide them with this terrible feedback, and taking it further to a lawyer if this company can not provide an appropriate resolution for their wrong doing for over two months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a Debt Verification letter to XXXX XXXX # XXXX and i did not receive any correspondence withn the time frame intended. since then i have been disputing this account for 6-7 months. I have not gotten a investigation on my acccount this is truly affecting my credit and my ableness to get credit. Transunion continues to report this misleading information. I have been violated of my consumer rights with transuion refusing to do a investigation. I will be listing out the laws were violated. 

15 usc 1692c ( c ) ( XXXX ) ( XXXX ) ( XXXX ) 15 usc 1692j 15 usc 1681i ( A ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

TRANS UNION- Please provide a full credit report with the updated records. 
THIS IS THE 2ND REQUEST The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), ( c ) ( 3 ) Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ).

15 U.S. Code 1681e - Compliance procedures ( 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 was looking over my credit report and I noticed these Accounts listed below are NOT assuring maximum possible accuracy according to the FCRA. Please DELETE accounts listed below for violation of the fair credit reporting act. 

Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account is NOT showing maximum possible accuracy according to 15 U.S. Code 1681e ( b ), the open date, date last active is NOT accurate. - Delete Account Immeadiately for violation of 15 U.S. Code 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by Transunion credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to 2002, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from Transunion is inaccurate when XXXX list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX  demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Wells Fargo to request a downgrade of my wells Fargo propel card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the propel card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from wells Fargo stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe wells Fargo anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with wells Fargo bank tellers and two Case Specialist in the Wells Fargo XXXX XXXX XXXX XXXX, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, Wells Fargo continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with XXXX and XXXX said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma website told me I qualified for credit cards I didnt to obtain my information
Product: Debt collection

I have recieved several notices for this debt and paid them by letter each time. I would recieve another a month later saying it wasnt paid. I recieved a " Final Notice '' in febuary and paid it over the phone on XXXX XXXX with the them. Now it has been reported to you despite me paying it 4 separate times because they dont have a website I used the letter envelope they provided. The last time I spoke with them directly on the phone and settled this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company won't acknowledge dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$650.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX, XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX XXXX  {$9500.00} XXXX XXXX, XXXX XXXX XXXX {$5800.00} XXXX XXXX, XXXX XXXX XXXX {$950.00} XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX XXXX, XXXXXXXX XXXX {$220000.00} XXXX XXXX, XXXXXXXX XXXX XXXXXXXX {$220000.00} XXXX XXXX, XXXX XXXX {$220.00} XXXX XXXX, XXXX XXXX  {$400.00} XXXX XXXX XXXX I have reached out to each individual creditor listed above about these accounts letting them know I have never opened none of these accounts or applied for any of these accounts.I have filed an ftc report and they have refuse to remove them.
Product: Credit reporting or other personal consumer reports

I paid loan off now getting calls I still owe money on loan. I asked for verification letter and have not received anything. I see in my credit report XXXX  and now ok but it says I still owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is XXXX XXXX  auto loan they kept saying verified with no documentation, XXXX XXXXs that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.
Product: Mortgage

on XX/XX/XXXX I completed a loan modification application with current Rushmore Loan Services. they confirmed receipt including all of the documentation required but it will take 30 days for them to analyze and determine a answer. 

However, today XX/XX/XXXX i just received a random call from XXXX XXXX XXXX, that my Mortgage loan has been transfer to them. 

I called RUSHMORE, to confirm if this information was accurate and representative stated that this was true but that it wont be in affect until XX/XX/XXXX of this year. 

Even, with a modification process is place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and provided Experian with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if Experian were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from Experian regarding my report. I then called Experian back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.