23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a truck and obtained a loan. I was told I would onl have 1 inquiry. 
More appeared here 's the last 1 Capital 1 auto XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Department [ Experian Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. 

Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. 

In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. 

Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. 

I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with XXXX unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. 

The toll on my XXXX XXXX has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. 

I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. 

Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. 

Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. 

I earnestly anticipate a swift and definitive resolution to these pressing matters. 

Sincerely, The light that's coming to get back everything in the darkness stole
Product: Credit reporting or other personal consumer reports

Information on report file that was the result of fraud and identity theft and against XXXX with recieving XXXX Report and Police Report will not remove from report file.
Product: Debt collection

XXXX keeps having numerous XXXX party companies continuously contacting me. Even after a cease and desist and several complaints through the cfpb I am still getting a new company about every XXXX  days contacting me to collect the time barred debt. It has been this for years! They have been told to contact my debt attorney and still have others harassing me.
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/18 to inform them that I consolidated my student loans with a new company. I disputed the innaccuracies reported out of spite by XXXX. Experian never followed up with a decision. I never received a response on the matter and XXXX has yet to stop reporting outdated information. At this point XXXX isn't sending updates and the outdated unconsolidated loans are on my credit report. So I have my student loans listed twice on my credit report because of Experian and XXXX.
Product: Mortgage

Wells Fargo never rectified the problem they caused. Under writers mismanaged our mortgage. This is a ongoing problem, my third complaint. We refinanced with Wells fargo. Our property XXXX and XXXX XXXX XXXX XXXX, over 2 years ago. They appraised the property XXXX. We owed XXXX, XXXX to the previous bank. Wells Fargo took over the mortgage The following year we received letter our property was going into a XXXX, the taxes were not being paid for XXXX. We have a escrow account. Numerous letters, phone calls never rectified saying the property was not secured in the loan. The mistake they made from the beginning. I recently had to pay them over XXXX because there wasn't enough in the escrow. If I didn't pay it our payment would increase from XXXX a month to over XXXX. I paid it, but our payment still went up to over XXXX. How is it possible they can get away with this.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX, XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -Experian XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Please REMOVE these unauthorized Inquiries.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> AT XXXX EST. I called FREEDOM MORTGAGE to inquire about why would they run a New HARD INQUIRY without my knowledge From XX/XX/year> - XX/XX/year> ON XXXX XXXX AT XXXX EST. I called to do a fellow up with FREEDOM MORTGAGE. 
I was told to call ( XXXX XXXX ) AT ( XXXX ) XXXX. I left a voicemail. with NO response or avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting bureau is reporting fraudulent information on my credit report to me.until I pay for my updates, my dispute of XX/XX/2019 was never shown to me online which is experian is the free account given by experian in XXXX since the dispute I have not gotten any updates to my accounts, and lots of emails to update my accounts which I would have to pay, but no answer to my disputes of XX/XX/2019.which experian got 13 1099-c forms and one 1096 form showing payment of accounts by certified mail # XXXX.Experian remains to report those 13 accounts as charge-off when their paid accounts reporting 3 with balances with total amount of $ XXXX.without validation of those debts, because their paid debt.
Product: Debt collection

my father used my social security number to open a credit card in my name and now it has been sent to debt collectors that want me to pay for them. i just turned XXXX.
Product: Mortgage

I sent in the negotiable instruments for every month that I had the account and a letter requesting all unearned interest due on the account. Be sent back within XXXX business days. They sent a response back stating they sent an escrow overage check in XXXX XXXX XXXX. That has nothing to do with the unearned interest due on the behalf of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Always paid on time paid account in full but still saying I was late when I was n't
Product: Credit reporting or other personal consumer reports

My telephone number registered with the XXXX XXXX was hacked. THey allowed the hacker to change my phone number on my account. I cancelled that phone number and got a new one. XXXX XXXX verifies accounts by text. That disconnected phone number wasn't mine anymore so I couldn/t receive verification texts. I tried for months to change my phone number with XXXX XXXX with no success. They refused every attempt. Meanwhile I paid all my debt to them ALWAYS on time. I paid off all the cards I remembered. They put me through a rigorous fraud protection protocol not once, not twice, not three times, not four times, but FIVE TIMES. They required me to send them copies of my CA driver 's license along with bank statements through their own secure links. I did that five times over several months and waited and waited. Every time they said they did not receive the link response even though I received confirmations. This went on over and over. I finally realized their flawed system wasn't going to help me so I called and asked for all remaining balances and paid them off through live agent on their phone. Unfortunately unbeknownst to me the agent failed to include one remaining small balance. That small balance stayed unpaid and since I did not have access to my account because they had locked me out for over a year they reported me as late. My credit score dropped from high XXXX to low XXXX. I worked so hard to establish a good credit and all my balances have always been paid on time without exception. I spent more than {$300000.00} over a 5-7 year period with XXXX XXXX credit cards and NEVER had a late payment. XXXX XXXX damaged my credit over a very small balance of less than {$200.00} because of their mistake, and due to their own outdated security protocols and absolutely user-unfriendly fraud department who refused to help me change my phone number on their system. This was their error and they must be help accountable.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX XXXX  XXXX
Product: Mortgage

Our loan was bought out by lakeviewloanservicing .. we had nothing but problems with them. They make it hard to pay.. last month they raised our payments even tho we were told that would never happened. They also took 2 payments out of my account. We called they told us it was almost impossible to get our money back on the extra. That we would be payed off for next month. Next month came and of course more problems.. they decided that they where going to put out money into the escrow and now we owe again ..please look at their reviews online ..they are making not just me suffer but many others ..please help us out..
Product: Credit card or prepaid card

I have two CC with Navy FCU the account that I am talking about is the credit card with the line of credit XXXX ( Not the XXXX limit ). After contacting navy federal credit union when noticing that someone that use my card fraudulently they close the account down completely gave me a temporary provisional credit which I was never able to use and then reversed the transactions and put them back on the account causing me to have a balance for items that I did not purchase nor did I receive benefit from. Navy federal credit union failed to send me any fraud of affidavit forms or paperwork or notification advising me that they had reversed the charges I called the automated system spoke with a representative and they were the ones that told me that the dispute was not in my favor. They also retaliated by completely closing the account down permanently when they have a 0 % fraud liability which is utter false advertisement and they need to be held accountable.
Product: Vehicle loan or lease

My name is XXXX XXXX, I purchased a XXXX XXXX XXXX in XX/XX/2016 under XXXX XXXX which months later became First investors financial services. When this happend my loan increased, according the company because of the transfer the loaning companys went thru. Since I purchased this vehicle I have had nothing but nightmares with this company or companies. I was not even aware of when the transfer took place. I have also made payments and they say they havent received a payment, at one point they also charged me for a towing service since repo apparently had gone repossess my vehicle. They never repossessed or attempted to, to the best of my knowledge I felt forced to pay the towing fee to avoid future problems and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Calif. EXPERIAN RESPONDED TO A RECENT CFPB COMPLAINT THAT XXXX XXXX XXXX XXXX   IS NOT THEIR COMPANY I HAVE ASKED FOR INFORMATION AND OR THE USAGE OF THIS INFORMATION THE USAGE AND THE AUTHORIZATION THERE ARE OVER 35 INQUIRIES PLEASE EXPLAIN?
Product: Credit card

I have a company credit card from when I worked for XXXX based in XXXX, XXXX. I was laid off approximately a month and a half ago. Today I am getting a call about an outstanding balance of XXXX. I haven't used the card since I left and or for many months prior. The credit card company is telling me I need to file an expense report, which I can not do because I do not work there anymore and have no connections to reach out to. The amount is a matter for XXXX the company I worked for, and it is not my responsibility or ability to resolve at this point.
Product: Credit reporting or other personal consumer reports

Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX . A personal loan and a credit card which was opened separately. Overtime, either one or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After XXXX  years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.
Product: Student loan

I have an income based repayment plan with Navient that I renewed in XX/XX/XXXX. I submitted my income information, but it seems to me like they did n't even read the information I gave them. They gave me a payment I could n't afford and basically told me that there was nothing I could do to lower my payment. They told me that my payment increased so much because the interest rate went up and that they had told me the interest rate would change in the original promissory note that I had signed when I received the loan ( back in XX/XX/XXXX ). What my major issue is now, since I 've written several complaints about this company before, is that they keep increasing my monthly payment by a few dollars every single month. I have written to them and asked why my payment keeps going up and they keep saying that it 's because of the varying interest rates and that I had agreed to this when I accepted the loan originally. Problem with that, is that I 've been repaying my loans since XX/XX/XXXX and it 's never been a problem until this year. My principal balance never goes down and they keep telling me that my payments are being allocated properly when I can see that they take half of my payment ( sometimes more ) and apply it to interest, so I 'm never making a dent in my student debt. I do n't make much money, despite trying to get a decent paying job since I left school in XX/XX/XXXX, but they keep raising my payments and give me different reasons as to why as well as telling me that this is what I signed up for when I applied for a loan with XXXX XXXX. <P/>Something needs to be done about this, because after I pay Navient, I barely have enough money to buy groceries for my family, and I certainly do n't have enough money to take care of myself. I do n't believe for a second that my principal balance is going down, because I check my loans almost daily, and I do n't see my principal balance going down AT ALL. I am sick and tired of paying thousands of dollars a year and somehow ending up further in debt every single year. I 'm tired of their excuses and their reasoning, basically telling me that I signed up for this. I am done with their excuses and I need something to be done about this.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX 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 XXXXXXXX.
Product: Checking or savings account

I was directed to this website regarding the recent Wells Fargo Settlement. I did have a Wells Fargo account in the period between XXXX and XXXX and paid many overdraft fees to them when I had an account with them. I no longer have a Wells Fargo account. Please let me know what my next steps should be to find out if I qualify.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$300.00} Account closed XX/XX/XXXX {$2000.00} Account closed XX/XX/XXXX {$3600.00} Account closed XX/XX/XXXX {$300.00} Account closed XX/XX/XXXX {$230000.00} Account open XX/XX/XXXX {$230000.00} Account closed XX/XX/XXXX {$13000.00} Account closed XX/XX/XXXX {$2500.00} Account closed XX/XX/XXXX {$6000.00} Account closed XX/XX/XXXX XXXX Account closed 15 U.S. Code 1681 : sec 602- i have my rights to privacy.

15 U.S. Code 1681s2 -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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems is reporting a debt balance of {$77.00} for an account I have no knowledge of. I have requested a validation of debt that I have yet to receive.