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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 


Item that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On  XX/XX/XXXX  I sent in  3 bills, 2 water and one car insurance bill. I received proof that it was received. I w aited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on  XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I would like all ten inquiries off my transunion credit report this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter to the credit bureaus specifically asking them for name and contact information of account they say they have verified. Instead of the information i requested I receive updated credit reports stating the accounts we mine. 
After the first letter I sent regarding inquiries, I received a letter from euifax stating it is normal practice when car shopping for the auto dealership to submit my application to various dealerships. I still have yet to receive any coorespondence from any of the bureaus with the information i requested. I have received emails from XXXX and Equifax stating my dispute has been completed but no answer to my questions of contact information of the persons verifying my accounts as accurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against IC Systems Unauthorized Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against IC Systems regarding their unauthorized and inaccurate credit reporting. They have reported an alleged debt on my credit report without my knowledge or consent, and I have never received any communication from them regarding this debt. 

I want to state clearly that I do not recognize this account and have no record of owing any debt to IC Systems. Their failure to notify me before reporting this alleged debt is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As a result, I am formally requesting that IC Systems immediately remove this account from my credit report. I also request that the CFPB investigate this matter, as IC Systems improper reporting has negatively impacted my credit standing.
Product: Student loan

Made about {$10000.00} in payments for a {$25000.00} loan consolidation with XXXX XXXX/Navient. The amount owed climbed to over {$32000.00} even though I was paying. Offered forebearances multiple times due to financial problems and they never told that they were basically re-lending money over and over with compounded interest. Their representatives lied on the phone and described the forebearance as just a postponement of the payments and intentionally omitted vital information about the fact that they were just re-lending money PLUS interest PLUS interest ON the interest. When I asked to have the call recordings pulled to prove their representatives lied to me, they said the recordings were gone. After I disputed this with Navient, they sold my loan to a collections agency and now the amount they say I owe exceeds {$40000.00}. They never got a signature from me agreeing to that and I have been fighting with them for years over this. They tell me I agreed to the terms but I did NOT. I agreed, BY PHONE, to the lies their employees told me.
Product: Money transfer, virtual currency, or money service

Someone sent me money. Two transactions, one for {$31.00} and one for {$90.00}. That person then disputed with PayPal that they were the sender. PayPal then sent their money back to them, taking my account to a negative balance. PayPal then intercepted any transactions that came in, keeping the money to cover the money they sent back to the original sender. PayPal has been given proof of communications between me and the sender both prior to and after the transactions showing the original sender did in fact mean to send the money. Even after this they continued to intercept any money that came into my account. They have now locked my account so that I can m access any details relative to the transactions and they dont show these transactions where they intercepted money inbound to my PayPal account. They tell me the responsibility for collecting the money from the original sender is on me. I disagree, when the original sender initiated the transactions she sent the money to PayPal to send to me. At that point PayPal became responsible for making sure I received the money. The text messages and call logs I have show the sender acknowledging that she sent the money. She even went so far as to say someone hacked into her account and reported the charges as fraudulent on her behalf even though she didnt tell them to. I dont care about any of that. The people that intercepted and kept my funds are PayPal. They are also the people that sent a refund to a verified sender. This is wholly PayPals responsibility. If they arent held to account for the peoples money they are transferring they shouldnt be allowed to conduct the business of transferring peoples money. After all, the original sender didnt gave the power to pull those funds back, she sent them and at that time committed to that money becoming mine. PayPal showed no due diligence in researching this matter. PayPal did not contact me in any way regarding this matter and does not have the right to intercept my inbound funds to cover a refund they should never have initiated in the first place. I have written their legal department twice and their Chief Counsel once. They refuse to respond or even let me talk to that department. The text messages I have show the original sender asking me to do these transfers for and even show her willing to cover my loss, though she never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a mortgage payment serviced by XXXX as a Citi Bank home loan service agent. There was an overdrawn that occurred on XXXX 2020, on my Citi Priority Checking Account for a small amount. My checking account overdraft protection policy did not apply to this transaction? XXXX didn't redraw in this incident either. I have been also paying extra principal more than the above fund, in short, each month. Why XXXX didn't accept that? 

I then settled and paid XXXX and XXXX full mortgage amount in XXXX 2020. XXXX still filed the late-payment reports to four credit bureaus at a later time without notifying me. 

I am working with Citi Bank regional director XXXX XXXX since XXXX 2020 but getting no result even she agreed to help out!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer FInancial Protection Act ( CFPA ). 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here are my disputes : XXXX XXXX XXXX XXXX # 1 the date " XXXX/XXXX/XXXX '' does NOT exist yet and I 'm sending you proof AGAIN # 2 the docket # XXXX is NOT correct # 3 XXXX is NOT a court and you need to have the city and state listed # 4 " A : '' is not a liability *You need to remove this account immediately and I 've already notified the Consumer Financial Protection Bureau as well as the XXXX in this illegal matter XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for Equifax states XXXX/XXXX/06, XXXX states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another notice of claim brought against TransUnion. TransUnion has inquiries listed on my consumer credit report that are in violation of 15 U.S.C 1681b. These inquiries are unknown to I the consumer and must be deleted. Consumer has put TransUnion on notice of this fraud alert. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer will file continue to file complaints against TransUnion for the improper and unlawful dispute processing tactics. If these inquiries aren't removed within 4 days, consumer will alert the AG, FTC, as well as file suit against the reporting agency for false reporting. TransUnion must provide my signed signature authorizing a consumer credit transaction as source of furnishing these inquiries. TransUnion has yet to provide any evidence of extension of credit establishing these inquiries.
Product: Debt collection

This company has been garnishing nearly {$8000.00} of my wages for about year for a {$5000.00} debt. Ive been trying to schedule a court hearing since last year to dispute it. The company wont respond and the judge is not doing anything about it. I even emailed both parties to stop garnishing my wages and refund the difference. The judge assistant response was to contact the companys office which I did, but I didnt get any response. Please help me to get the company to stop garnishing my wages and refund me the difference while I wait for my day in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. Experian Information Solutions Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXXXXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX
Product: Credit reporting or other personal consumer reports

These are the inaccurate accounts 
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 Dept of edXXXX Dept of ed XXXX XXXX Dept of edXXXX Dept of edXXXX XXXX Dept of ed XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/2023 I received a notice for rent increase/failure to pay rent notice on my door, along with every other tenant. XXXX XXXX XXXX was in a transition period with management and staff. Upon receipt of the notice I reached out to XXXX, the interim manager, who explained the letter was incorrect and would be corrected. After two weeks of attempting to contact management or any staff with no call back or return email, I had no choice but to give my thirty day notice. Upon move out I paid rent and returned my keys to XXXX, a fellow resident who also was the interim maintenance person and XXXX XXXX XXXX. Using XXXX 's phone, we reached out to XXXX, whom stated the thirty day notice will be honored and my security deposit will be returned within thirty days of move-out. I woke up Sunday XX/XX/2023 to see that my credit had been hit with a collection, which I had no idea was outstanding or even owed. There has been no communication, breakdown of costs, explanation, invoice or evidence to prove this claim is legitimate. I have reached out to Credit Bureau of Lewiston to no avail.
Product: Credit card or prepaid card

Discover Card opened an account using my personal information and then provided a credit card to another person other than myself. When I discovered this after receiving a credit alert, I contacted them to address the issue.XX/XX/2018. Upon giving them my personal information the agent informed me that the information did not match what they had on file and then asked if I had been a victim of Identity Theft. I had stated that I had been for several years and that was why there was a Credit Alert on my credit files. The representative advised that they has noted in the account and would transfer it to the Fraud Department and remove it from my credit file. I received 29 calls during the next 3 days regarding the same issue. Discover Card has continued to report the card as closed as it is still being illegally reported on my credit file as of today XX/XX/2018. They continue to change the amount of the alleged debt from {$1100.00} to {$620.00}. They continue to commit Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act Section 807-8, Violation of the Fair Credit Reporting Act Section 623-b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me and my family. I have contacted Transunion over 13 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Transunion XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help me and my family.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used payPal quite frequently My email linked to my payPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax XXXX and XXXX are reporting items on my credit report due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!
Product: Debt collection

I sent a letter to amerifinancial solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX asking them to validate a debt that I saw on my credit report. Instead of validating the debt, They sent me a letter on XXXX that contained my medical records with procedures and services done which I know is a direct violation of XXXX regulations. I never signed a XXXX form authorizing them to have access to this information.