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

Upon checking my credit file I found several accounts that should not be there. I'm now writing to dispute the following accounts.1 ). 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 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 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 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 
Uder the Fair Credit Reporting Act, Section 15 USC 1681 ( b ) it is required that consumer reporting agencies only furnish consumer reports for specific permissible purposes. The conclusion of inaccurate or unverifiable information in my credit report does not meet these permissible purposes. 
Please delete all the disputed items as soon as possible. And update my credit report in the time required by law. 
Thank you for your prompt attention to this matter.
Product: Mortgage

My mother had a reverse mortgage through Financial Freedom a division of CITI, after she passed away I worked with Financial Freedom to inform them of the passing and the trusts intent to sell the home to settle the lien owed. I was informed that I had 6 months to square away the property and that I could apply for two 90 day extensions. After three months they ( Financial Freedom ) referred the home to foreclosure. I was told it was just a formality and that I indeed had 6 months with the two extensions. I hired a real estate agent to sell the property and notified FF that the home was up for sale. Because of the pending foreclosure I was place in an interesting position with trying to sell the home. I received only low offers on the home and countless ad 's from attorneys offering to " save the property. ' On XX/XX/XXXX I faxed over my request for my first extension under HUD 's guidelines. The extension was due XX/XX/XXXX. I called FF the following week to check on the status of the loan and was told I had been denied. When I asked why they stated that I had not gotten the request to them in time. The agent admitted in a recorded phone call that the request had sat on the fax machine for 4 days before anyone had found it. Also, they were unwilling to stop the foreclosure and auction of the home. And now with an auction pending, I received offers far less then the asking price, an average of {$100000.00} below market value. It took over three weeks to find out the status of the loan with FF due to their lack of response, I called 12 times between XX/XX/XXXX and XX/XX/XXXX every time I was told " there was no one available to talk to me. '' With the auction pending I took out a personal loan on behalf of the trust and paid off the lien in order to complete a sale of the property. Even after the loan was paid in full FF failed to send any payoff to notice to the trust and ignored 6 attempts by my title company to request a letter stating that the loan had been paid and they were issuing a reconveyance of the title in order to sell the home. It was only when I retained an attorney that FF provided a payoff statement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Personal Info : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U, S, C, 1681 SECTION 604A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

The company XXXX has purchased a debt from another company called XXXX XXXX. I have never had a loan with XXXX XXXX and I do not know who they are. When I spoke to a representative from XXXX/XXXX XXXX on the week of XX/XX/2023, I advised at that time that this was not my loan and I never heard about this loan. The business continued to call. On XX/XX/2023, I received an email alert from XXXX that I had an account in collections. I have disputed this with the credit bureaus. But when I called the merchant XXXXXXXX XXXX the representative refused to provide any documentation or proof and advised me that they would not remove anything on my credit file until I provide proof that its not mine, well I do not have proof because I have not worked with this company. 
I need this predatory behavior to stop. Apparently, this company XXXX brought this debt from XXXX XXXX, how and why is this even possible? I do not own this debt and I would like help to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, an account I had with Capital One/WalMart was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries on my credit report that I did not authorize. I would like them removed immediately. 

XXXX XXXX XXXX XXXX CompanyXACTUS, LLC XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX  XXXX for the account number XXXX he late payments are reported as being dated XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, Experian, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure if I chose the correct option for this matter, but I received a collection notice in the mail from ARS ACCOUNT RESOLUTION on XX/XX/21 in regards to an alleged debt. I sent a validation letter certified during the dunning period on XX/XX/21 that shows delivered as of XX/XX/21 at XXXX XXXX. However, I recently reviewed my credit report and noticed that ARS reported this account without sending the requested information to validate this alleged debt. This collection agency failed to acknowledge my request for validation, and completely ignored my request.
Product: Debt collection

The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.
Product: Student loan

Between my private loans which I pay now at XXXX a month and my federal loans I cant even afford to do anything with and my interest rate is going up higher and higher I started I think at 60 and now it is up to 80 something! I literally have been putting my life on hold! I am XXXX not married but engaged ... no kids Bc I cant even suport myself for goodness sake and no house Bc I cant get a down payment together nor do I want a huge mortgage! College was legit the worst mistake of my life I wish I could go back in time and never woud have went. It legit is useless Bc I would be making the same without it. Its horrifying and since m loans have been in forbearance this whole time they keep going up but I cant afford them and no one ever told me about this ... I legit get so sick to my stomach just even thinking about them ... there are days where I think about getting into the XXXX industry or something of that sort to just even pay them off with my full time job I have. I am desperate and loose sleep over this every night. I have to pay my private loans back as well and my gosh those are so much as well and I dont know what to do. I am completely lost! Please help. I am honestly begging for help from someone who reads this.
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy XXXX XXXX  Account Number XXXX  I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am having issue Going on with XXXX XXXX XXXX, ACCOUNT OPENED XX/XX/XXXX. 
CREDIT LIMIT XXXX USD. I USED FOR APPROX XXXX  MONTHS CLOSED BY XX/XX/XXXX BUT REPORTED AS LATE PAYMENT UNTIL XX/XX/XXXX AND CLOSED XX/XX/XXXX I had 3 Credit Cards with them in Past which all 3 were Closed, I always paid them on time and there was no no Late payment with Them Never, i always Paid them on time but its been more then 1 year that 1 of the Closed XXXX XXXX Account which i opened with XXXX  XXXX on XX/XX/XXXX and i used it about 2 years and i always always paid them on time never late but suddenly they closed my card and just ended everything so later on accounts closed and paid in full all balance as agreed and account closed with them by XX/XX/XXXX but after few months i Noticed that Suddenly showing on Credit Report With Experian and XXXX and XXXX That it is showing showing late payment for XX/XX/XXXX, and XX/XX/XXXX and then XX/XX/XXXX but paid and closed in XX/XX/XXXX, but actually it was paid and closed fully by XX/XX/XXXX So that 90 Days 3 Late payment of that single 1 XXXX XXXX Account is still still showing on my Credit Report from last 1 year and i am Tired and Exhausted i disputed with experian and they not correcting the report and also the XXXX XXXX lender is not Correcting this wrong reporting I want justice because this thing affected my score by XXXX Points i am stucked badly and cannpt get anything because of this wrong reporting bad report I want justice and want that wrong Reporting to be Removed ASAP. 

ITS A REQUEST TO EXPERIAN AND XXXX AND XXXX THAT DO JUSTICE AND REMOVE THE LATE PAYMENT NEGATIVE REMARK ONLY AS THIS IS 1 YEAR NOW AND TOO BAD AND UNJUSTICE WITH ME PLEASE FOLLOW FAIR CREDIT ACT RULE POLICY OR I HAVE TO USE MY RIGHTS STRICTLY
Product: Debt collection

I received a notice from Transworld Systems Inc. that threatens to report me to all national credit bureaus. It also gave me a phone number to call, which I called XXXX times. Each time I called I was placed on hold for several minutes and then the phone would just hang up. This is a very rude and deplorable way to conduct their business.
Product: Credit card or prepaid card

I have two complaints against Bank of America, both related to a disputed credit card charge.

First is the Banks denial of my claim. Their letter, advising me of their decision, stated that they can not intervene in situations involving a merchants return, refund or cancellation policy. If they had examined my claim with any care, they would have realized that the claim involved more than just return, refund or cancellation. My claim against XXXX XXXX XXXX also involves duplicate, unspecified and vague invoices, coercive phone calls, gross overpricing, and finally threatened retaliation for initiating a dispute via Bank of America. 
Second, Bank of America has failed to send me the documents sent to them by XXXX XXXX XXXX ( after reassuring me that that I would have the opportunity to rebut XXXX arguments with the documents in hand ). In early XXXX, again on XX/XX/XXXX and then again on XX/XX/XXXX, a Bank of America agent said they were sending me all the XXXX documents. Each representative is sorry that I never received the documents, offering no explanation, but happy to send them again. 
I verified my address with BoAthough I do receive other mail from the Bankand also checked with the Post Office for any possible delivery issues.

I struggle to imagine a plausible scenario for BoAs inaction. Friends have offered possible scenarios that I would have thought impossible a few short months ago : -- BoA is acting out of financial self-interest. They are protecting their percentage of the total {$5600.00} charge. 
-- Some anonymous Bank of America employee actually went to my website and was so outraged by my politics, that they inserted a poison message into my file.

-- Bank of America is saving on postage and labor costs for each dispute that is quickly resolved.

-- Bank of Americas delaying sending the documents in order to run out the ninety-day clock on credit card claims. 
I would appreciate your help in obtaining these documents from Bank of America in time for me to buttress my claim against XXXX XXXX XXXX.
Product: Debt collection

I have informed experian this account does not belong to me and received information from the creditor stating the have no such debt in there records but yet experian has verified this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, PNC Bank : XXXX # XXXX ; XXXX  # XXXX ; XXXX # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Product: Credit card

I have a credit card with Amazon store The last time I used it was in XXXX with a credit limit of XXXX dollars since then I been paying on time but I found out synchrony bank which is the holder of Amazon credit card closed my account So I called them I spoke with the manager and told me that they received my credit report and thats why they closed it So I told her just because you see my credit report? I dont think is right I think is because Im not been using my credit card since XXXX you are penalizing me because they survive from the interest To me that is not justifiable and didnt even request an increase of my credit
Product: Debt collection

A company called the " XXXX '' ( XXXX ) called myself AND my brother and said that I was due in court in two days and that they were coming with a sheriff to serve me papers at either my home or place of employment and that my employer would need to sign as a witness of me being served and arrested! I also had to sign for them and then I was being arrested unless I paid a debt in full. Same company has called me in the past leaving my social security number in a voicemail and telling me that leaving the message was my formal notification and have ID available when I am served and arrested! I have no idea what this debt is and in the few attempts I 've made to discover info about this " debt '' no one can ever give me ANYTHING! Just says what county and state it 's from and that it 's attached to my social security number and current phone number.
Product: Mortgage

On XX/XX/XXXX my husband and I applied for a HELOC through our Mortgage servicer, Wells Fargo. We identified in the application that we are XXXX XXXX. Our credit scores in the in 700s and we have good income. 

XXXX XXXX XXXX was assigned as our point of contact for the HELOC application process. She requested I write a letter to explain my job history and income despite providing 3 years of XXXX statements when only one year is required. Her manager also requested putting the companies in the letter as well. These two requests caused the process to take longer than necessary and was the first sign my husband and I had that this could be discriminatory practices to limit/prevent XXXX XXXX  from obtaining funding for home improvements. 

A few weeks later, we were informed by XXXX XXXX XXXX, our point of contact for the process, that we were being denied. She informed us the underwriter reviewed the data and that we were being denied ( 1 ) due to having a modification performed in XXXX that reduced the balanced by {$23000.00} ; ( 2 ) because the Loan-To-Value ratio did not meet the criteria set by Wells Fargo for approval. XXXX informed us despite this, the underwriter still attempted to find a smaller amount that could be approved but was unable to do so. We advised her we feel the entire process we experienced was discriminatory based on our XXXX XXXX  status that was identified in the initial loan application and that we would be filing a complaint with the CFPB. She advised she would have an executive contact us for further review. 

On XX/XX/XXXX, my husband and I spoke with XXXX XXXX, the executive representative XXXX XXXX XXXX referred us to. He advised the same two reasons mentioned previously that we were denied. I advised him we had been informed that by XXXX and challenged the validity. I asked XXXX if the reasons we were denied are regulatory reasons or if these are Wells Fargo policies. He replied they are Wells Fargo policies, not regulatory policies. I also advised him of the discrimination we feel the process has taken us through. He replied an internal investigation was performed and it was not found to be discriminatory. I advised him as I did XXXX that Wells Fargo recently settled with the CFPB in XXXX for discrimination specifically against XXXX XXXX   and it seems these practices are still taking place despite that fact and that I would be filing a complaint officially with the CFPB.