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

I request the negative reported and charged off reports be removed from my Experian report. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that may be affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting this charge-offs, which raises questions about its validity. I am a veteran who served in combat in multiple countries, and I have been affected by a recent data breach that compromised my personal information. In light of these circumstances, I am requesting the removal of charge-off as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of this charge-off as well as all negative items.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I obtain my credit report for Experian, and I try disputing all the negative items that is being reported on my credit files and yet Experian is giving me a hard time to dispute these allege debt that are reporting negatively on my credit files. I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting Chase card, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX credit card as negative items or deragatory items on my credit report. These items are being reported as as deragatory or negative item and I want all these negative items that is being reported on my credit files to be Removed as I am a VICTIM OF IDENTITY THEFT. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit. I call experian and spoke to a rep name XXXX who advise me that they dont investigate when someone sends a dispute, they sent the dispute to the company and let the company investigate. They dont require any documents from the company to show what is reporting is accurate. I want experian to properly investigate the dispute without bias and prejudice. I feel like Experian is maliciously reporting negative item so that they can continue to make money from these so call companies that they are suppose to be investigating. I WANT PROPER AND ACCURATE VALIDATION OF THE NEGATIVE ITEMS THAT ARE BEING REPORTED. OTHERWISE I WANT ALL THE NEGATIVES TO BE REMOVE FROM MY CREDIT FILES.
Product: Checking or savings account

In XX/XX/XXXX, I complained to Chase that I used my debit card to purchase a " XXXX XXXX XXXX that I saw in an XXXX  advertisement. I explained to Chase that the money left my Chase Checking account on XX/XX/XXXX, but that I never received the product. Chase advertises that they protect their customers from vendors who do not fulfill the vendor 's end of the promise. Chase in a letter to me dated XX/XX/XXXX indicated that Chase would not reimburse my account even though I received no benefit for the money sent to the vendor " XXXX, XXXX XXXX XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC XXXXB. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect
Product: Credit reporting or other personal consumer reports

What Happened?

I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) are refusing to remove an unverifiable account from XXXX ( XXXX XXXX  ) despite multiple disputes. 

Key Issues : XXXX. The Account Can not Be Verified I have disputed this account multiple times with the credit bureaus. 
XXXX ( XXXX XXXX  ) has failed to provide any valid documentation proving that this account belongs to me or that the information reported is accurate. 
Under FCRA 611, if an account can not be verified, it must be removed from my credit file.

2. The Bureaus Have Not Corrected or Deleted the Account Despite several dispute attempts, the credit bureaus have refused to remove the account.

This violates FCRA 623, which requires data furnishers ( XXXX ) to provide accurate information or correct/remove unverifiable accounts. 
XXXX. This Account is Inaccurately Impacting My Credit I have never missed a payment, so this account should not be negatively affecting my credit. 
The charge-off status is incorrect and should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate accounts on my report.
Product: Money transfer, virtual currency, or money service

I called Wells Fargo about a Pending Wire transfer I made for {$540.00} on XX/XX/year>. The phone number I called was XXXX and I called at XXXX and spoke to a XXXX : XXXX refused to give me her last name and said Wells Fargo was holding the {$540.00} wire transfer because of the acronym " XXXX XXXX I wrote in the title. It was a request from Compliance and XXXX said they could not send me an email copy of the internal correspondence. She said Compliance flagged the acronym XXXX. The management/leadership ( Shaniqua- refused to give the last name ), XXXX said " We just need clarification to the wording XXXX in the reference. They are waiting for the processing and it went to a sanction screening. " IAC '' is the reason why it was held. XXXX said XXXX said " XXXX '' was a close match to the US sanctions list and is government related. It is about US regulations. I refused to give the name XXXX because I felt this was not a fair and transparent request. It also violates my privacy as I wrote it was a Virtual Fall Course in the title so it was just ridiculous and absurd request. 
XXXX said she can not cancel the transaction. They also would not say when and if the money would be released. All I had to do was tell her what " XXXX '' means, then the wire transfer would go through. I said it is like blackmail, to be forced to give absurd information or not have access to my money. The US sanctions list has NOTHING that looks like XXXX unless someone has undiagnosed XXXX : XXXX XXXX XXXX A voicemail from " Management/Leadership '' XXXX ( WF refused to give last name ) on Friday, XX/XX/year> : " Hello this is XXXX from Well Fargo wire transfer services. This message is for XXXX XXXX. We are calling regarding the wire transfer pending on your account and requires additional information to complete processing. The transaction number for your reference is XXXX. Please contact us as soon as possible. You can reach us at XXXX. And again that is XXXX thank you ..... '' XX/XX/year> XXXX So basically Wells Fargo is blackmailing me to tell them what " XXXX '' means or I I have no control over my money. This is not a fair and transparent request, I wrote other words in the title, and it looks nothing like anything on this list. Now I will not pay for this course and I will lose my spot. The stress and aggravation from this absurd request is uncalled-for as I have been a customer at Wells Fargo for over XXXX years. To be sent through this process is a level of incompetence that is embarrassing for this institution. They refused to send anything that left a paper trail and I received no email notifications that there was a problem, just the usual transaction emails that it was submitted and went through.
Product: Credit card or prepaid card

During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my credit reports within days of one another that I did not authorize nor do I recognize. 

JPMBC Auto XX/XX/year>, XX/XX/year>
Product: Student loan

I am in deferment pending my next class in XX/XX/2018. I have repeatedly informed XXXX XXXX that I will begin classes and have been assured that I am deferment until then. I also keep getting notifications thats I am behind on my payments. When I call they are complete unhelpful and driven to force payments I do not have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Product: Mortgage

My loan servicer was changed effective XX/XX/XXXX from XXXX to SPS but XXXX XXXX XXXX XXXX is the actual mortgage company. On XX/XX/XXXX, The Maryland HAF program sent a payment in excess of {$15000.00} to cover my back mortgage payments under a grant program. These funds have not been applied as of yet and I continue to get of the foreclosure notifications from them as well as outside entities, both phone calls and mailings. My last follow up with them was XX/XX/XXXX in which the representative stated that they've identified the funds and they should be credited on XX/XX/XXXX however this has not been done. I have also not been permitted to make loan payments which concerns me as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I requested a number of inquiries that were not authorized by myself and have recollection of to be removed from my credit profile and TransUnion and XXXX have not been able to provide proof of validity nor have they removed it.
Product: Debt collection

I sent dispute letter to the company on XX/XX/2023 and yet to have heard anything it it now XX/XX/2023,,, MIDLAND CREDIT MANAGEMENT has yet to send me a debt any owe which {$1500.00}. Along with a signature.. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to XXXX, XXXX and Experian that the balance has been paid in full still reporting that I owe the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really upset that they are appearing on my credit report and ask that you please erase this account since it is not mine. I would want the business to take this off my credit report so that I may begin a new chapter in my life, but I am unable to do so due to this unidentified account.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Debt collection

I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.
Product: Debt collection

I am writing to formally dispute inaccuracies in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I found discrepancies in the account listed below : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Account Type : Lease Date Opened : XX/XX/XXXX Status : Charged off, {$1800.00} I assert that this account contains inaccurate and incomplete information for the following reasons : 1. The reported balance of {$1800.00} conflicts with the original balance of {$1300.00}, and the stated written-off amount of {$1400.00}.

2. The status dates appear inconsistent, with the last payment date recorded as XX/XX/XXXX, yet the account remains charged off as of XX/XX/XXXX. 
3. No documented proof of ownership or verification of this account has been provided, nor has it been substantiated as required under FCRA guidelines.

As outlined in 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate and verify disputed items within 30 days. I request the following : 1. Provide full documentation verifying the accuracy of this account, including original account agreements, payment records, and proof of balance details.

2. Remove this item from my credit report if it can not be verified or if discrepancies remain unresolved.

Additionally, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate information. Failure to correct these issues may result in further legal action. 

Please respond to this dispute by XX/XX/XXXX. If this information can not be verified, I request its immediate removal from my credit file. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up complaint 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 items 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 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 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: Mortgage

Hi, I have made extra payments so that I could knock down my Mortgage principal amount, but this mortgage company is posting the extra payments towards future monthly payments instead of applying them towards my principal. For example, the extra payment I made in XX/XX/XXXX, they are applying it to the mortgage payment for XX/XX/XXXX ( instead of applying it to my principal amount ). I called them to complaint about it, and asked them to apply my extra payments towards my principal instead of applying them to future monthly payments, they promised to fix it, but they did not fix it. In my opinion, they are illegally holding my money and making extra interest income from it instead of knocking down my mortgage principal amount. Here is how the payment history looks like : XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$980.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$900.00} {$0.00} {$0.00} {$0.00} {$0.00} {$900.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$610.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$2000.00} {$0.00} {$0.00} {$0.00} {$0.00} {$2000.00} XXXX XXXX {$0.00} {$0.00} {$0.00} {$1400.00} {$0.00} {$1400.00}
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, Capital One Auto Finance reported on my credit report as a charged-off account. When I called Captial One and requested 1099c, they denied my request. I mailed the request to Capital One Auto Finance in writing. They are inaccurately reporting they repossessed the vehicle. They have committed fraud by reporting false information. They have reported to XXXX, XXXX, and XXXX resulting in punitive damages to my personal credit report and score.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and was aware that there is an inaccurate account that is reported incorrectly on my consumerr report. Child support is listed as a collection, I do not owe this debt and this debt should not be reported on my consumer reports.