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

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, UPDATE to PAID AS AGREED my consumer report. 

ACCOUNT : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be UPDATED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Experian, I would like to inform you that these accounts have been completely and totally DELETED from both XXXX and XXXX : XXXX XXXX - XXXX ( Removed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I dont understand why you keep reporting them on my credit report, despite their REMOVAL last year from both XXXX and XXXX. I have also noticed a new inquiry from a XXXX XXXX XXXX that I did NOT initiate. I want to emphasize that this inquiry is a FRAUD, as I did not authorize anyone to run any hard inquiries on my files. 

As per Congress law, if any entity or person intentionally doesn't follow the rules about how to handle a consumer 's personal information, and it causes me harm, you can be held responsible for it. You might have to pay for the harm you've caused me for an amount of money I lost because of what you did wrong. 

I am so disappointed with the lack of attention given to my concerns over the past few months by your agency. Despite my efforts in sending multiple letters to update you on the inconsistencies in the derogatory entries on my credit files, it seems that my concerns have not been taken seriously. Your failure to thoroughly investigate my account and address these issues is disappointing, and it reflects a disregard for the guidelines outlined by the Fair Credit Reporting Act. 

I hereby demand that you take immediate action of removing and erasing these unauthorized, inaccurate and fraudulent accounts from my credit report. Attached is a copy of my Identity Theft report filed from the FTC to escalate this matter because Im already tired of explaining myself over and over to your agency. 

I look forward to having these above-mentioned accounts be removed from my credit report within this month. 

Respectfully, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received a XXXX notice from the IRS. After contacting the IRS, I was told Wells Fargo Bank had submitted to them a cancellation debt income conversion based on a Home Equity Loan taken out for home improvements under acct # XXXX in the amount of {$6300.00}. In additional, the XXXX XXXX XXXX XXXX also reported XXXX accounts to the IRS same notice for {$490.00} and {$49.00}. I do n't have an open account at either XXXX of these financial institutions. In terms of the XXXX XXXX XXXX XXXX, my accounts have been closed since XX/XX/XXXX. In addition, there was a law suit filed naming them as a plaintiff under cause no. XXXX and all issues were resolved. In terms of the alleged home equity loan, this was suppose to have occurred on XX/XX/XXXX and reported to the IRS on XX/XX/XXXX. Unfortunately, this is the XXXX complaint being filed against Wells Fargo bank and also XXXX XXXX ( within your data base ). I contacted Wells Fargo bank, supervisor and she indicated after retrieving the file that the address on the account was different from my current address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX also provided a different account number XXXX. I explained to XXXX XXXX that I never applied for a loan equity loan via Wells Fargo and I viewed all of these accounts as identified theft and fraud. She referred me to the their fraud division. Within the last three months, I have filed complaints against Wells Fargo bank, XXXX XXXX, and now Wells Fargo bank again. Please investigate what laws have been broken to allow Wells Fargo Bank to fraudulently falsify documents and forward them to the IRS without forwarding to me a Form XXXX, but how was that possible if the address on the home equity loan is different from where I live. It would seem that someone between Wells Fargo and the IRS would have checked the address before assuming that I have XXXX residents since they both have my accounts and my same address ( XXXX XXXX XXXX XXXX ). This incident is a continuation of the identify theft, fraud, and the bank allowing third parties access to customers banking information and accounts. Please investigate and enforce applicable banking laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries made without my permission. I have since locked my account with Experian due to identity theft. They are : XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX I have called Experian and XXXX regarding these hard inquiries to no avail. I have also called XXXX XXXX Bank and they said they saw no accounts and no credit card applications submitted with my social security as only South Dakota residents can even open an account or apply for a credit card with XXXX XXXX Bank and I myself live in another state.
Product: Student loan

XX/XX/year> : XXXX XXXX XXXX ( third-party ) sent a check totaling {$500.00} to the Department of Education for my EdFinancial account. 

XX/XX/year> : Check was cleared from XXXX XXXX XXXXXXXX XXXX  account and cashed by EdFinancial. However, the check was routed to EdFinancial 's old address. I spoke with EdFinancial at the end of XXXX and they mentioned it would be forwarded to EdFinancial 's new address. 

XXXX, XXXX : I held follow-up calls with EdFinancial but they still have not seen the payment. I have since sent other payments handled by XXXX XXXX XXXX and those have processed successfully, so it is this initial XX/XX/year> payment that is still outstanding. 

XX/XX/year> : At Edfinancial 's request, I attempted to upload documents ( proof of payment - front and back copy of cashed check and email correspondence between XXXX XXXX XXXX and myself confirming the check was cashed by EdFinancial, but not posted ) to my EdFinancial account to assist in expediting that process. 

XX/XX/year> : I spoke with EdFinancial again, and was told there was no record of EdFinancial receiving my documents. I resubmitted the documents via email and EdFinancial confirmed they were received.

It has now been over 6 months since I made this {$500.00} payment and it still has not posted to my account. EdFinancial will not give me a timeframe as to when this issue will be resolved.
Product: Credit reporting or other personal consumer reports

I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX A CEAST AND DECIST LETTER HAS BEEN SENT TO ENSURE THAT ALL INACCURATE REPORTING STOPS. THIS INFORMATION CONTINUES TO BE REPORTED AS ACURATE. 

I DO NOT HAVE ANY CONTRACT WITH BOUNCE AI AND THEY HAVE NOT PROVIDED ME WITH THE ORIGINAL CONTRACT AS REQUESTED. 

UNDER USC 15 1681G- WE HAVE NOT SEEN ANY PAYMENT HISTORY ASSOCIATED. I HAVE NO CONTRACT WITH BOUNCE AI DEBT COLLECTING AGENCY. WE ALSO HAVE NOT SEEN ANY INSURANCE CLAIMS FILED ON THIS DEBT. FINALLY, WE ALSO ASKED FOR THE CHAIN OF TITLE ON THIS DEBT. THEY HAVE NOT PROVIDED ANY OF THIS INFORMATION IN THE LAST 60 DAYS. THIS IS ALL ILLEGAL. I DEMAND THAT THIS DEBT BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 it also state a consumer agency can not furnish my account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

AmeriHome Mortgage reported my mortgage late after I was placed on a repayment plan that was hold harmless and did not inform this would be the repercussion which in turn hurt. my credit, preventing me from refinancing.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought a computer under deferred interest, that will expire on XXXX XXXX, XXXX. 
On XXXX. XXXX, XXXX, I called customer service to pay off that computer under deferred interest before the due date as I don't want to end up paying for the interest charge. 
When I talked to the service representative, I specifically said that I want to pay off my balance for the computer, he said okay, he took my payment information, and after it was processed, he said he got it taken care of. At the end of our conversation, I asked, " so I don't owe anything for my computer right? '' He said, yes you don't owe anything on your computer anymore. 
Today, ( XX/XX/XXXX ) I found out that I got charged an interest for that computer that all along I thought I paid off in XXXX. XXXX. When I talked to the service representative, she explained to me that the money I paid that time was allocated to the other purchases I had which accruing interest, and not for my computer! 
As she explained to me, I learned that I can not use my card after using it for buying a product on deferred interest. 
My point is, I know that I should've read the policy about deferred interest, but that customer service rep that I called to pay off my balance for the computer NEVER TOLD ME THAT THEY ARE GOING TO ALLOCATE MY PAYMENT FOR THE OTHER PURCHASES I HAD, AND NOT FOR THE COMPUTER! 
So, all along I was thinking that I paid off my computer and I don't have to worry about it, until today when I saw that interest charge on my account. 
They should train their employees to explain clearly to the consumer what is going on so we avoid such things that is so frustrating!
Product: Debt collection

Per AZ statute law, A.R.S 33.1321 landlord required to send itemization of fees, charges, and deposit within 14 days of move out which I moved out by XXXX XXXX XXXX sent bill 7 months later on XX/XX/ with fraudulent charges saying I owed them.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX Employer - XXXXXXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

I have requested in writing multiple times that Flagstar Bank provide our written contract which specifies that they are holding insurance payments made to us in limbo/escrow per the terms of my contract. 

They have refused and continually refer me to another department, refused to answer multiple emails, and refused to release the money. 

All work has been completed, however they continue to hold the money and demand compliance with extra-contractual " guidelines '' which are not part of our contract. 

They promised to release the money if I sent them the endorsed check, which we did, however they continue to refuse to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, equifax and XXXX immediately they do not even list account numbers on my fico reports!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).
Product: Checking or savings account

Filed a claim with Bank of America regarding an XXXX XXXX payment that was for an app that did not work.
Product: Vehicle loan or lease

Byrider of XXXX used deceptive advertisment to get me in the door then the manager/floor salesman misrepresented pricing of the vehicle cost and other information. At one point I requested that they provide me with a unsigned copy of the contract so I could take it home and have time to read through it and possibly have a friend look it over, which he refused my request and proceeded to inform me that if I didn't sign the contract he would call the cops and falsely report that I had been denied the loan and had become belligerent and violent and would say that I assaulted a employee as I left. So against my will I was forced to sign the loan contract under duress. In several aspects the loan contract is that of which will be found indefinitely fraudulent and predatory including the way they present the contract itself. They came to the table with the contract separated in two piles and state that the first part is loan and financing and the other is just warranty stuff which is deceitful because they explain to you that the first section what you're signing for is everything including financing charges and taxes. One of the last statements in the contract that you initial for states that if you don't finish signing the rest of the contract from that point forward they have right to prosecute you if you refuse to finish signing. Once they have that signature they present you with the second portion of the contract which they had led you to believe was only warranty stuff when in fact when they flip the first page over it reveals the real amount of the costs of financing. Can they tell you you have to sign it and you're stuck paying it because you had just signed notice that they would prosecute if you didn't sign. After leaving the dealership I made a year and a half worth of payments to show cause that I have the means to have purchased the vehicle had the contract not been predatory. At which time after harassment and other issues with the dealership including attempts of sabotage of the working function of the motor I intentionally started making my payments late to get them to finish closing the jaws of their trap. XXXX XXXX XXXXXXXX. Michigan law states that if law enforcement personal facilities or asist in the repossession of the vehicle then the dealership forfeits all rights to the vehicle and it becomes larceny of a motor vehicle and then the dealership committed the act of conversion of a motor vehicle when they sell the property that they are in illegal possession. ofXXXX XXXX XXXXXXXX shows false reports to my credit report. Lastly there was a crucifix that was blessed by nuns in the name of XXXX XXXX hanging from the rearview mirror of my vehicle that they refuse to give me along with other property in the vehicle and they probably maliciously destroyed. Not only did they commit larceny in forcibly removing the vehicle from my possession but they also committed a second act of larceny due to the fact that my trailer was attached to the vehicle and it was taken with the vehicle and in the process my trailer was damaged.
Product: Debt collection

I disputed the account in the amount of {$1000.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.
Product: Debt collection

On XX/XX/XXXX spoke with a XXXX at XXXX extension XXXX at XXXX XXXX. She could not locate this debt yet it combined with other medical bills in collections I am paying one. asked about a {$450.00} bill for date of service of XX/XX/XXXX. I worked for my pcp at this time. There are no orders for any testing on that date or around that date. 
I would like this removed.
Product: Debt collection

Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with XXXXXXXX XXXX and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.