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

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX 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 602 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax Credit Reporting Agency, in regards to their continuing to add five derogatory remarks on my credit report. The five remarks are from XXXX 's XXXX XXXX. These remarks have been unverified for well over a year.I have sent letters to Equifax and XXXX 's XXXX XXXX as for proof of these debts, belonging to me. I have been passed back and forward between them, as to who's responsible for proving owe these debts. XXXX 's XXXX sent to me a " fact '' sheet with my name, address, and the amount of the debts that I supposedly owed! They have not provided any documents with my signature on them! In my letters to both Equifax and XXXX 's Agency, I pointed to FCRA regulations section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 7 ), in regards to proof I owed the debt! I also filed a police report from XX/XX/2018 noting this a fraud. I am asking for the CFPB to look into this matter. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account by XXXX XXXX XXXX in the amount of XXXX has been settled and paid in full. The amount of XXXX by XXXX has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$650.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$8400.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Product: Payday loan, title loan, or personal loan

I have multiple business accounts with Wells Fargo and even bank with their commercial side for business! and a credit card but I was denied for a personal loan which makes no sense considering how much business I do with them I feel like I'm being discriminated against.
Product: Mortgage

When attempting to log into my account online which was set up when I bought my home 7 years ago the website said my information that I input did not match their accounts. When I called about it I found out that my birthday is incorrect on my account due to this mistake they are unable to verify my identity and refuse to help me. I asked to speak to a manager and was refused to escalate it multiple times. I was sent to multiple other people. The only thing that was done was a ticket put in to change my birthday and I was told to send in a picture of my ID and/or birth certificate. I spent over 90 minutes on the phone to rectify the issue with no resolution. I asked how this mistake could have happened, I was told they had no idea how it could have happened and did not see anywhere when it was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a package of information was sent to Equifax to dispute information regarding 3 collection accounts on my credit report that have been paid asking for them to be removed. On XX/XX/2019 a phone call was placed to Equifax again speaking with an advisor asking for these to be removed. The 3 accounts have not been removed and remain on my credit report. 

Also, I have been in contact with the 3 credit reporting agencies and Equifax is the worst of the 3. Their website and web services are horrible and not user-friendly and the online services hardly ever work. It makes this very discouraging and I feel that because of this most people will get frustrated and just not doing anything and walk away.

One company should not have so much power over someone's life and credit report.
Product: Checking or savings account

I have a problem with Wells Fargo Bank someone took out over XXXX on my account idk how but they did they took over the account the chage the email and they even chage the Pic od m ID to make it look like it's them instead vof me I tried talking to they all told me it's a online problem talk to the number on that back, I did that the people from the phone told me there's nothing they can do on thete end to go to a branch better so I spoke to the manager from the XXXX XXXX XXXX in XXXX XXXX she said its not our department that's a online problem or go to another bank because of all that running around back n forward they ended up closing my account that they dint want nothing to do with me when I tried opening a account again it wodint let me that Money I still haven't seen it I been repoint I making claim no one can help me at all instead they close my account n push me away that money was my 3 pandemic check that I never got to use I was late on rent even got kicked out of my home because I was depending on that money for rent that wen I tried getting the money out theybwoudint let me because I dint have a physical ID I had to go to the dmv to get a slip to get a proven by then I became XXXX  lost job what's the point of fraud if they can solve my problem Ima take this to legal matter in court
Product: Debt collection

Had a subscription for XXXX XXXX. They sent an offer to renew notice, which I accepted. Shortly afterward, however, I stopped getting magazine, so I assume they did n't receive renewal. Afterward, began receiving billing notices from them, which I ignored because I was n't receiving magazine ( nor had I received renewal gift ). Again, assumed they had n't received renewal. Eventually, I decided to make payment because I wanted to begin receiving magazine again. Saw they had gotten payment. Shortly after that, received notice from collection agency. 

At the end of the day, my complaint is that I did n't pay the bill because I had stopped getting the magazine. It 's like agreeing to a gym membership, never getting a membership card because I had n't paid yet, but being billed and considered past due, even though I 'd never been access to the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX XXXX XXXX 

The first 4 times I tried doing it online. 
I tried XXXX XXXX. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried Experian twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our Costomer Care Team at XXXX for additional help completing you request. The Costumer Care Team is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( XXXX ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with Experian. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.
Product: Mortgage

In or around XX/XX/2020 I entered a 3 month forbearance plan with SPS mortgage servicing company. 
I intended to modify or refinance the high interest loan as soon as the forbearance period ended. 

As a standard most lenders require 3 consecutive on-time payments for a borrower to qualify for refinance products. The only time that SPS allowed me to make installment payments, they notified me later in the month of the month that they would accept payment, then prevented me from making a 3rd payment. 

SPS has drawn out this process ssing the guise of missing " Required Information '' SPS has systemically prevented me from making more than 2 consecutive payments for the past ( nearly ) 2 years to prevent me from refinancing or using any other exit strategies. 

Effectively preventing me from capitalizing on historically low interest rates as well as covid-era governmental mortgage assistance programs. 

In holding me XXXX they have effectively damaged my financial position by keeping me locked into what has evolved into what closely resembles an interest only loan while swindling a great deal of the equity out of my homestead. 

My mother 's mortgage is also serviced by this company and I've learned that she owes more money on her mortgage than she initially borrowed 24 years later. 

Leading me to believe there exists countless of other borrowers in the same position, with the same grievance against SPS. 

Thank you for taking the time to review this and I look forward to hearing from you soon
Product: Checking or savings account

I received a debit card from Umpqua Bank dated XX/XX/2023. I never applied for an account at Umpqua Bank, so my identity was stolen to open this account.

I have only interacted with Umpaqua Bank by selling a house to someone who used it for financing. The bank was in XXXX, Washington. 

I called the bank and they closed the card.
Product: Credit card

These inquiries were pulled from my transunion credit report without my knowledge. All these inquires are fraudulent. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME OVERSEAS CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
Product: Mortgage

I routinely pay an extra {$62.00} on my mortgage that should go to principal. In XXXX, this amount was applied to erroneous fees that were subsequently reversed. Despite multiple attempts to get this amount correctly applied to principal instead of fees, this has not happened yet. The last correspondence that I received said that the matter was being referred along but I 've yet to be contacted about it and my account still does not reflect my {$62.00} reduction in principle from my XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or repaired immediately. 

XXXX XXXX **** and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries reporting to my profile I want them gone immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) Times XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( 2 ) Times
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in XXXX. I recently received an alert on my credit for {$1100.00}. The first time I called credit management llc., the representative was very rude and did not want to give me any information on what they had, so I ended the call. They apparently reported on my husband credit as well and he spoke to someone and we explained the situation but still they werent listening but that there was a second account but wouldnt say what it was. I got another alert today XX/XX/XXXX and I called and it was the same thing, one closed account and another open account but they wont say what but they have my maiden name on file.
Product: Student loan

I called on XX/XX/25 to get a refund under the CARES act for a paid in full loan, and was told it would take 7-10 days for the balance to reflect my refund and up to 6 weeks to actually receive the money.

At the 4 week mark I had not seen an updated balance or any refund. So I called to confirm that they had processed my refund and the agent I spoke with said everything was on track and processing fine. 

Today, XXXX, is the 6 week mark and I called to check because I still see no updated balance and have not received funds. I was told that my request wasn't processed on the XXXX but rather the XXXX of XXXX and that it was going to take at least 8 weeks to update the balance and potentially even longer to see the refund. 

I need this refund badly and I am very frustrated with the changing information. I don't have faith that Aidvantage will uphold the new timeline and would at least like to see my balance reflected that my refund will be processed. 

I understand there has been a lot of volume of these types of requests, but having called exactly 6 weeks ago and seeing absolutely no movement after being told 7-10 business days leaves me incredibly dejected in the process.
Product: Credit reporting or other personal consumer reports

Dear Bank of America, I am writing to address discrepancies in the reporting of my account ( Account Number : XXXX ) on my credit report. Upon review, I have identified a significant inconsistency regarding the account 's status that requires immediate attention. 

The account is simultaneously reported as " charged off '' and " past due '' with a balance of {$820.00}. This reporting is inconsistent and misleading, as a charged-off account indicates the debt has been written off by the creditor as a loss, and it should no longer accrue a past-due status. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inaccurate and Misleading Reporting : Under the FCRA, creditors are required to ensure that information furnished to credit reporting agencies is accurate and not misleading. The dual status of " charged off '' and " past due '' creates confusion and may unfairly harm my credit profile.

2. Failure to Provide Clear and Consistent Information : This inconsistency violates FCRA provisions that mandate clear and accurate reporting of account statuses.

3. Double Penalty Impact : Reporting the account as both charged off and past due results in a negative double impact on my creditworthiness, which is unfair and improper.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  mail out a balance of {$0.00} as well sent a copy to the US Attorney office. 
XXXX XXXX got mad after i cancel the Insurance as i had a new policy in effect the day i cancel. 
XXXX XXXX XXXX kept giving me the run around in which they never call back and had a bad attitude with me cancel the insurance. 
XXXX XXXX also made false statements there was never no notice mail out before they place a collection for a bill not owed. 
XXXX XXXX had no right placing a debt that was not owed by the letter and balance mail out by them showing a {$0.00} Balance on XX/XX/year> XXXX XXXX was rude to why i cancel them by them telling me i had to pay the whole policy upfront is why I cancel due to paying all of it at once. 
XXXX XXXX Rep was as rude as they come about paying it all. 

XXXX XXXX had no right placing it on no collection with credit bureaus or any data collection as a bad debt. 
I had talk to an attorney with the matter that does law suits and collections regarding matters like this.
Product: Credit reporting or other personal consumer reports

I saw a credit inquiry on my consumer file on the Experian report from XXXX XXXX. I sent over a certified mail to the company stating they should delete the inquiry from my credit report because it has caused me harm and I did not give them any permission to do so, I requested a permissible purpose they did not reply to my request. I called Experian and sent over a dispute letter to delete the hard inquiry because it's harming my credit by lowering my credit score and I did not permit XXXX to pull my credit file nor did I have any account with them. Experian deleted the inquiry from my credit file and my score went up, today XX/XX/2024 I checked my credit report on an annual credit report, and saw Experian secretly posted the inquiry on my consumer file, lowering my credit score increasingly. I am just sick and tired of these illegal activities, I do not care how much money they were paid but they are destroying my credit. I want this account deleted. I have the certified mailed stamped as proof I tried disputing with XXXX and got no reply. these co-operations are deceptive and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a formal complaint on XX/XX/XXXX stating that XXXX and Experian are in violation of FCRA 15 U.S.C 1681s-2 : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following account is inaccurate, having reported different dates of last activity and different high credit/balance amounts across all three credit bureaus. Fortunately, XXXX and XXXX did accurately fix my account after my initial inquiry, however Experian still has yet to do so. 

Creditor : XXXX Account # XXXX Additionally, they are in violation of 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) which states income is not to be reported on a consumer report. XXXX has already written off the debt to the IRS, therefore it should not be reported to any credit bureau, as it has been reported as a loss on their end and ordinary income on mine. If this account is not removed from my credit report immediately I will report XXXX to the IRS for XXXX XXXX.