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

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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, TX XXXX XX/XX/2020 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, PA XXXX XX/XX/2020 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: Debt collection

I recently received my credit report and noticed a charge off from Bank of America. I instanly made a phone call to figure out what was this account about. They had no information to give me. No information about the charge off. They explained that this was happening to a lot of people, that didn't sound good. I explained where does that leave me. After being on hold for what felt like hours, I explained that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal Law to verify -through the physical verification of the original signed consumer contract. Even after all of the explaining and pleading for them to do the right thing and find a solution the representative explained it was noting they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To avoid any unnecessary delay tactics from Experian, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Experian is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.
Product: Mortgage

I made what was supposed to be my final online payment. They refused saying I couldn't pay it off online. That wasn't my intention, but they called my husband who doesn't handle this bills. They informed him the money would be returned about 9 days ago. I made the payment two weeks ago. I called SLS and the operator said it should be returned by Friday. It wasn't.
Product: Debt collection

Spoke to the company reporting debt to credit agencies, based on the information there reporting, I had medical insurance coverage at the time and the fail to invoice XXXX XXXX   XXXX XXXX XXXX. Both companies were on 3 way call and was adviced to send invoice but company could not produce invoice nor where they tried to submit invoice. So this is inaccurate information harm credit causing me Turbulence and request that this be removed ASAP.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX  treasury XXXX form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Checking or savings account

Overdraft fees charged when the account balance didn't become negative. This has been a repeated issue over the last 6 months. Wells Fargo says this is being caused by pending charges on the back end that can't be viewed by myself or the personal bankers in store. 
Today ( XX/XX/19 ) I received an email stating that I had been charged 2 overdraft fees for items posted on the XX/XX/XXXX despite an ending daily balance that was positive. I spoke with a personal banker who assured me that the fees would be refunded, however, shortly after leaving I received an email refusing my refund request. I returned to speak with the personal banker and was informed that the refund was being denied because they have a limit and I had reached it over the last 6 months. The only fees that have been refunded were due to this same issue.
Product: Debt collection

On XX/XX/XXXX, I stopped into XXXX XXXX XXXX, where I am a frequent customer. The people there informed me they had received a WAGE GARNISHMENT in the amount of XXXX. I do not now, nor have I EVER worked there. I was a customer in good standing, now because of this illegal disclosure of debt elsewhere, I can no longer do business with them. I asked to see the paperwork they received as I knew NOTHING about it. They declined to share this with me. 
I then went and did a online search and came across the documents in XXXX County, Ohio courts. These documents are incorrect as filed by Levy & Assoc. There are 3 different amounts they claim I owe just in the single filing their filing supposedly files XX/XX/XXXX does NOT match the amount of the " judgement '' they included. and they further change the amounts in the affidavit they sent to XXXX XXXX XXXX, the address " Levy & Assoc . '' CLAIM to have mailed all documents to is incorrect as shown in their " proof of mailing '' - and I note that while they claimed to have sent certified, there is no proof of service from USPS in the file. The address in the headers of filing has correct address. My social security number is on the documents they sent to XXXX XXXX XXXX, and I have the names and addresses of alleged other debtors and amounts owed attached to MY file [ see notice of court proceeding ] So they have not only infringed upon my rights but those of at least 9 others and who knows how many more people they disclosed private information to in their mailings. 
Further, the judgement lien that they claim to now " own '', was adjusted back in XXXX through state of Ohio Dept of taxation, as THEY made an error and I sent them the proof they requested at that time making the balance XXXX, I never received any further communication from them stating I owed anything- now 2 years later I get this?. 
I have NEVER received a single communication from " Levy & Assoc '' in regard to this or any matter. 
I find it to be neglect and I feel intentional that they can get the correct address on the documents they FILE, but can not get that address correct when supposedly mailing me notification of pending court actions.
Product: Consumer Loan

On XXXX XXXX, 2016, I contacted Nationwide Southeast LLC to inquire about a letter I received over the past weekend from Nationwide Southeast LLC about my payment being past due. They informed me my {$210.00} payment was due XXXX XXXX, 2016 and now I owed $ XXXX.+ due to a past due amount. I informed them the car I purchased XXXX XXXX, 2016 was involved in an accident around XXXX XXXX, 2016 and the car was a total loss. I paid the payment in XX/XX/XXXX knowing the insurance claim would not have been processed by the payment due date. The insurance company sent a payment of $ XXXX.+ They confirmed they received that payment on XXXX XXXX, 2016 and it " went towards the balance, '' however, I still owed for the " payment due. '' I asked why the insurance payment was not used for a payment that would have been due XXXX XXXX, 2016. They stated it went towards the balance, but I still owed the payment due amount. I asked again why the insurance payment would not go towards both a balance and payment due. Of course it was a circular conversation at that point. 
I am filing a complaint because they are concrete in their explanation and it does not make sense to have a very much reduced balance that is not considered to have sufficed for the XXXX XXXX, 2016 payment. I called today to ask for a breakdown of how my payments have been used to pay against the balance. They stated they had to mail it to me because it is not their policy to email or fax that information. This will cause more interest to accrue against me. I do not mind paying the payment, however by the end of the month the GAP claim should provide the remaining balance to be paid and I am concerned that if I over pay, I may not get a refund in a timely manner or in the amount that would actually be due back to me. 
My view is that a reasonable resolution would be for this to not reflect negatively against my credit, and for the payment due on XXXX XXXX, 2016 to be considered the $ XXXX.+ amount sent by the insurance company.
Product: Student loan

I would like to reopen case XXXX. I have attached to this document a new article in which Navient has forgiven {$1.00} XXXX dollars of loans. The nature of the other case was that Navient alledgedly couldn't find my payment and violated 15 USC 1681s-2. I was notified that i was one of those consumers affected by the loan scam. And now " Navient Refuses to remove the negative derrogatory marks off my " XXXX '' report. I would like the CFBP to make " Navient '' DELETE the negative remarks from " XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX allowed and conluding with the credit bureaus to report negative reporting on my credit reports
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information on my Consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my Consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family and also trying to start my kids a business.
Product: Mortgage

Ocwen Loan Servicing , LLC has been since XX/XX/XXXX playing a game with the mortgage of our home. Since XX/XX/XXXX despite the monthly checks in the correct amount of each monthly payment they have rejected them, stating there is an escrow, because we had an insurance company with another company besides them -- something in which has been done since the loan originated, therefore NO ESCROW was ever on the original account. Then recently when XXXX payments sent in the amount ( s ) of {$1600.00} and {$2900.00}, after confirming with the XXXX that the Priority Letter Package was received with a signature in return, I call to check on this and I get told they have only the {$2900.00} and have sent a foreclosure notice. We have XXXX loans with them, and it has only been until recently out of 14 years they have started playing games and I document everything, the names they use, which are never in XXXX, not that I am against XXXX however the employee ID 's they provide never match, the FAX numbers they provide according to XXXX " supervisor '' is correct and the next " supervisor '' they are incorrect or the same " supervisor '' will backtrack and try to cover up and say " If I told you that, I was mistaken that is the correct and proper working FAX at this time/or/most current FAX number at this time. " This company is anticipating on their consumers to not write names or numbers down or keep an accurate record of dates and times. They have held on this XXXX account only our checks each month for more than 4 weeks ( the law states 14 business days max ) then either cashes them and waits for them bounce if you forget they were out there ( error made XXXX ) and or send them back to you and tell you they can not cash them because of a false balance on your account, accruing more late fees.
Product: Debt collection

Enhanced Recovery Co LLC reported to XXXX  Credit Reporting Agency that I owe {$920.00} dollars and they are collecting allegedly  for XXXX. It is against FCRA to report inaccurate information to any credit bureau without proving that the account belongs to me by providing original documentation that the debt in fact in deed belongs to me. So, it is illegal and a violation. No one called me to discuss this account. It is the case of identity theft.
Product: Payday loan, title loan, or personal loan

XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe them
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$8600.00} Other Identity Theft Company or Organization : XXXX  Date fraud began : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This Bk of Amer is fraudulent and preventing me from obtaining a vehicle. I am not able to get my children to school. I have submitted all the documentation according to the fcra 605b social security card, identification, and utility bill and this account is still on my report.
Product: Credit reporting

I have been disputing with all three credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX 's due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( shotgunning ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 PROCOLLECT , INC added a derogatory on my credit report per XXXX XXXX XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PROCOLLECT , INC violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to post fraudulent information related to two fraudulent US Bank accounts. XXXX was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the US and have done so since 2014. The address used under my name is a PO Box . That PO Box was compromised and personal information like social security number and ID were used to open the accounts with US Bank, several other credit card companies and banks. All providers with the exception of US Bank honored the information submitted and confirmed fraud. US Bank, with the help of XXXX, continues to submit the exact same information to XXXX, suggesting the accounts are valid. This is a flat-out lie and XXXX continues to perpetuate this false narrative. I am demanding that XXXX ( who removed the fraudulent accounts only to allow US Bank to submit the same garbage they submitted four times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the US Bank accounts for good. Stop asking US Bank if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!
Product: Credit reporting or other personal consumer reports

I wrote TransUnion more than 30 days ago demanding they remove the unknown and unauthorized hard inquiries showing up on my credit report because I didn't authorize them and they don't belong to me! Unknown and unauthorized hard inquiries : XXXX XXXX, date opened XX/XX/year>, XXXX XXXX, date opened XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXXXXXX XXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Product: Debt collection

I maxed out a credit card many years ago. Then I could not make payment. Someone else used to take care of my finances. That person filed a court hearing and these people never showed up. The person that was over my finances no longer is and now since 2013 this debt collector has been sending letters, callng after 9pm on Sundays, they have talked down and rude at times making me feel threatened to take my money which is only my Social Security retirement. I have seen their name each and every month on my credit reports that is how they get a new address and my phone number. I do not answer any calls any longer that I either don't know or if it has their name attached. I can not take the harassment any longer. I was diagnosed in May last year with XXXX. Most days I am lucky to be able to get out of bed. I hide constantly in my home because of these people. I have written to them, called them and now I just want them to leave me alone.
Product: Debt collection

My husband was XXXX XXXX  and managed to accumulate medical costs he passed away XXXX XXXX XXXX but because my husband was paying medical debts reported to Boniville Collections before he passed, they started demanding payment from me. I am on SS I work 2 days a week for about 5 hours a day or less. I have been paying them because I didn't know any better but I called a lawyer found out that I am not required to pay this bill it was a Medical bills my husband had for unpaid medical needs before he passed away. He was not working for years and was not on SS at the time. There was no insurance because we could not afford it..We had to borrow to pay for his funeral. there was no estate we rent a home and we had nothing of value left when he passed. I have been paying them XXXX a month but now they are wanting XXXX I can't do it and I don't want what credit have destroyed over bills that are not mine.