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

All hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHard and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting or other personal consumer reports

Dear Experian Credit Bureau XXXX XXXX, I am writing to request the removal of the account with XXXX XXXX  ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Experian has repeatedly violated the allowable timeframe to resolve and correct these issues. Therefore, I am requesting the immediate removal of this erroneous information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX **Account Information** - **Account Name : ** XXXX XXXX - **Account Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off ; {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - **Credit Limit : ** {$15000.00} - **Highest Balance : ** {$7500.00} - **Terms : ** - - **On Record Until : ** XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I have been requesting proof of validation of the debt from XXXX and the debt collector for several months now, yet they continue to label it as 'verified ' without providing any substantiating evidence. Despite reaching out to an XXXX XXXX via email, my requests have been ignored. I want both parties to be held accountable and compensated according to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for their noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate XXXX XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to Bill and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the CPS peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XXXX 2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay
Product: Checking or savings account

I have bought 6 chairs from XXXX XXXXXXXX XXXX on XX/XX/2022 and I paid with my PNC bank debit card from my checking account. When I got home and looked at the chairs one of the chairs was defective from manufacturer and damaged and had a broken leg and severe scratches on one side. It is dangerous for a person to sit on it so its useless and NOT fit to be used. I called the company and they refused to refund me my money and they refused to replace it. The company XXXX XXXX XXXX scammed me and committed fraud by selling me a chair that is defective and dangerous for my family to sit on it and they did not tell me that this chair has a major defect in it so I disputed the charge for that defective chair which is around XXXX dollars but PNC bank denied my claim and dispute. And they charged my checking account back for the disputed charge and that is very wrong from PNC bank. I was scammed by a furniture company and they charged me for a defective chair and damaged and scratched. The defect in the chair is from the manufacturer and is very severe and the company NEVER disclosed that defect to me and should NEVER have sold the chair to anybody because it is dangerous to sit on. 
PNC bank needs to honor my dispute for XXXX dollars and give me that money back into my checking account. This is a legit dispute of a charge from a scammer and a fraud company. They scammed me by selling me a defective and dangerous chair without disclosing that defect PNC bank reference number for this dispute is XXXX Account ending inXXXX PNC bank has the worst customer service quality and they never help us customers and PNC bank should protect us customers from fraud and scammers like this company XXXXXXXX XXXX  that sold us a defective and dangerous chair The disputed charge should be honored by PNC bank and they should refund me that money for XXXX dollars
Product: Debt collection

Hello I have asked this debt collection to send me the signature that they have on file. 
I have asked to send me the payment profile, and the bank account used to pay this debt. 
I have filed with the XXXX  as well I have received from the debt collection is statement from them.
Product: Debt collection

Approximately XXXX  years ago, I was moving from XXXX XXXX to XXXX XXXX. I returned my XXXX  box to a store in XXXX, XXXX on XXXX XXXX. 

During the move, I threw away or lost/misplaced the receipt for the box return. I was not too concerned because they scanned the bar on the box in front of me and placed with a bunch of other routers in a small box. 

I signed up for XXXX XXXX in my new place with a new router from XXXX, and months later received notification that a box was not returned. I called and emailed XXXX to let them know this was incorrect, and their original router box had been returned. They kept sending me notices as if I never called or emailed. I replied to them every time they sent notices. 

I received a collection bill for {$86.00}. Confused, I called the collection company who said they have no say in deleting the account as they bought the collection. 

This {$86.00}, now {$100.00} has been resold multiple times and keeps showing up on my credit report as a new collection. It is is the only blemish on my credit that is not allowing me to build my score. In the past XXXX  years, this one wrongful collection has destroyed multiple opportunities for me to have the credit I am working so hard to maintain. 

This past month is was sold AGAIN, and my score dropped XXXX points. I am gutted that they are allowed to do this. It is fraud. I returned the box and even offered to pay a debt I do not have because I am desperate to get this wrongful claim off of my credit. The collection company said I could pay but it would not be deleted. In order to buy a house, my lender said it must be deleted. 

I have moved again since this time, and returned my new ( second ) box. When I arrived at XXXX to return, they girl stared straight into my eyes and said. " DO NOT THROW THIS RECEIPT AWAY FOR A YEAR ''. It seems XXXX may have a reputation for doing this to their customers. 

I have disputed in every way I know how, with the credit bureaus, with the companies. Please help. 

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

Was informed by credit monitoring services that unauthorized credit pull was made by Cashcall mortgage ( XXXX XXXX ). Called XXXX XXXX at Cashcall mortgage to request that the unauthorized credit report that was pulled be provided to me immediately for my records. I was told by XXXX XXXX that company policy was NOT to issue credit reports. 

That is a flat out blatant lie, and I have attached documented proof that is a flatout blatant lie!!!
Product: Debt collection

Affidavit of Truth was sent out to Sunrise Credit Services Inc, on XX/XX/2021. 

A response hasn't been sent. On XXXX XXXX a Notice of Default and Opportunity To Cure was sent out.
Product: Mortgage

On XX/XX/2020, I was offered one month deferment. I paid the escrow amount approximately {$570.00} on XX/XX/2020. The deferment was never given as promised nor did I receive anything in writing. On XX/XX/2020, I asked for another forbearance doing Covid-19 and was offered a forbearance. The deferment was never placed on my account. I've called and called and have not received a follow up call. This is not the first time Fay Servicing have been in trouble concerning Consumers. Please investigate and listen to the recorded phone calls.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

This is my XXXX  attempt to resolve this issue, and I have received no response from Equifax, XXXX and XXXX. I am filing this complaint as a last resort and request your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reportin
g. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Debt collection

I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act DEPT OF ED / XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I attempted to request a Mortgage Modification with my mortgage servicer Freedom Mortgage. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.
Product: Mortgage

I went into the forebearance program and am trying to come out of the program, but wells fargo has screwed everything up. They sent a loan for me to sign for the forebearance but the loan has my ex-wife on it. I sent the divorce decree multiple times to wells fargo but they have not fixed it. They threaten to foreclose on me, but have not given me a chance to sign for the forebearance and continue back on my loan. They have said it is my fault, and there is nothing I can do to fix the problem. I have tried to call, but they always hang up on me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initiated a call to contest certain items listed on my credit report. Subsequently, on XX/XX/year>, I received an email notification indicating that the dispute process had been completed. Upon checking the website, I confirmed that the dispute had been validated, prompting me to reach out to the agency for clarification on the validation method used. During my conversation with an agent named XXXX, I was informed that I needed to contact the company directly, as Experian does not disclose that information. I asserted my right to understand how this account was validated in such a brief timeframe and requested documentation to support the validation process. Despite my insistence, XXXX reiterated that I should contact the company. I spoke with him on XX/XX/year>, at XXXX XXXX  CST by calling XXXX, but the call was abruptly disconnected when I asked for a copy of my credit report.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments for such a long time. This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again.
Product: Debt collection

Insight Management, acting on behalf of XXXX XXXX  XXXX  for my XXXX  Visa account contacted me today. I spoke to a man who stated what the debt was for. I explained that when contacted in XX/XX/2021, I requested a letter in writing, outlining the amount owed and what my payment/settlement amount options were. I never received the letter. 

Today, this man stated he was with this company 's legal department pursing this matter and offered me a settlement amount. Again, I requested a letter in writing for the amount owed and settlement offer. I explained my hours were reduced due to COVID, and I did not have access to a printer. I stated I wanted to read over the letter, and he became angry and told me, " No, you need to read it now and set up this payment or else. '' When I said I do not give my banking information or payment info until I can read over something, he again got upset and started talking over me aggressively and loudly. I stated I was at work, and I can not do personal business on company time. I stated that under the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. After I told him this, he stated he would not stop the file from going to legal counsel and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WORKS FOR XXXX  WHO BOUGHT THE ACCOUNT FROM XXXX XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, XXXX XXXX AND EQUIFAX. XXXX  XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.
Product: Credit reporting or other personal consumer reports

previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all these were requested to be removed but have not been updated
Product: Debt collection

I am being garnished for an account that does not belong to me. The wage execution received has an address that I never lived in. I've been a victim of identity theft before and I have a police report in which I emailed to XXXX on XX/XX/year>.
Product: Checking or savings account

I opened a Wells Fargo account on Wells Fargo 's XXXX. On their website, I put in my XXXX account number so they could pull {$500.00} from my XXXX account into the new Wells Fargo account. Wells Fargo did pull {$500.00} from my XXXX account, and then they lost the money. When I filed a complaint and kept calling to follow up on the money, they kept lying to me until XX/XX/XXXX saying they don't see any activity. 

I filed a previous complaint with the CFPB, and WELLS FARGO LIED in their response to CFPB, and CFPB closed the complaint before I got a chance to respond. Attached is their response, here are the lies : XXXX. They say " XXXX initiated the debit '', that is a lie. XXXX DID NOT INITIATE THIS TRANSACTION. XXXX didn't even know the Wells Fargo account exists. I opened the Wells Fargo account on Wells Fargo 's website and put in my Chase account info ON WELLS FARGO 'S WEBSITE. Then their website reached out to XXXX for the money. XXXX simply sent the money per Wells Fargo 's request and then Wells Fargo lost the money. They have yet to explain why the money was not put into my account when they received it on XX/XX/XXXX. WELLS FARGO initiated the transaction, they are the only ones that had both my Wells and XXXX account number since I put in the Chase account number on their website. 

XXXX. Their response says that " On XX/XX/XXXX, we received a chargeback request from XXXX ''. The reason they received this chargeback is because XXXX lost my money, so I contacted XXXX and reported the transaction. I kept calling Wells Fargo from XX/XX/XXXX till XX/XX/XXXX and they kept LYING to me saying that they have no record of this money ( proving they lost it ), even though they received the money from XXXX per Wells Fargo 's instructions on XX/XX/XXXX, and supposedly sent it back to XXXX on XX/XX/XXXX - yet they XXXX XXXX to me saying they have no record of this money until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXXXXXX XXXX  XXXX XXXX
Product: Mortgage

I had a closed TD credit card ( ending in XXXX ) and an open mortgage account. XX/XX/XXXX I accidentally sent an electronic payment from my bank to the closed TD credit card, instead of the TD mortgage account ( which would be fined a late fee after the XXXX, for XXXX dollars ). The TD credit card took my payment ( {$1700.00} ) and never notified me. My TD mortgage department kept calling after XX/XX/XXXX. When I called them, TD mortgage stated that they never received my payment. I told them I sent in the payment and have a confirmation number ( see attachment ). The TD customer service/XXXX department apologized that the credit card account should not have accepted the funds immediately, and should have immediately rejected the funds because the account was closed!!!!. Nonetheless, despite the TD credit card account error, I was changed a late fee by the TD mortgage department. TD mortgage stated that they only allow a customer 1 late fee waiver during the life time of a loan, and I already had 1 ( XX/XX/XXXX ). Because the TD credit card algorithm was flawed and kept my money, I do NOT think I should pay a late fee for the mortgage. TD system was flawed. If I had not contacted the TD credited department, they would have kept/stole my mortgage payment money, while I was held responsible for paying a late mortgage fee, plus mortgage payment. The TD banking system needs to improve their services and accountability when accepting clients money..