23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother had a reverse mortgage with Wells Fargo. I am her executor. I have spoken to Wells Fargo along the way and have always been told not to worry, there is plenty of time once she no longer lives in the house to sell or sign over to the bank, nothing happens immediately. She passed away on XXXX/XXXX/XXXX. Two days later, XXXX/XXXX/XXXX my husband was diagnosed with XXXX. So I was planning my mom 's funeral and dealing with my husband 's XXXX illness at the same time. I did not immediately or for a couple months contact Wells Fargo due to having so much on my plate. When I did, I never received a call back from the person listed in the letters as my contact. Then foreclosure was started. My attempt to deal with a live human being and actually get anywhere was met with countless minutes spent on hold, getting different answers, getting pushback on what was needed to get anywhere. I simply needed to know how much was owed Wells Fargo so I could decide if, based on comps I had obtained, I should place the property up for sale or sign it over to Wells Fargo. Based on their absolutely horrible customer service and living up to past promises, I feel I should be treated with respect in trying to determine the best course of action. Each call I made, I was of course given the disclosure that the calls were being recorded. Therefore I know there is proof of my attempts at resolving this situation without going all the way to foreclosure. I finally, out of desperation, got my mom 's attorney involved, which of course will cost the estate more in unnecessary charges. Surely there is some protection against this kind of behavior. I can assure you we did not walk away from the property and it has been maintained, association fees paid, etc. If I was applying for a mortgage I am sure I would be treated with utmost respect, but after losing my one remaining parent, dealing with that grief as well as my husband 's XXXX, I have been treated like America 's biggest flake. Today, XXXX/XXXX/XXXX, I am awaiting the payoff, which I have been promised through my attorney to receive by XXXX/XXXX/XXXX, so that I can make a reasonable decision on what to do next. I feel Wells Fargo is not acting in good faith, and should be made to correct their deplorable tactics in dealing with family members who have lost a love one, after that loved one was talked into the reverse mortgage with sugar dripping from the mouths of the Wells Fargo employees. I feel XXXX every time I get off the phone with them, which is why I finally asked my mother 's attorney to step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Date of request XX/XX/XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX account in XX/XX/2020 and now XXXX is reporting late payments to Transunion for XX/XX/2020 as 30 days late. I have called multiple times and sent XXXX   support thru XXXX  the documentation. XXXX states its Transunion that is reporting wrong information and I need to calI Transunion. I have also disputed the late payment with Transunion with no resolution. It is a back and forth with XXXX 's blaming Transunion and Transunion stating the debt is validated by XXXX. Please see the attached documentation from XXXX stating no degatory payment on my account in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a data breach that has resulted in unauthorized access to my personal information and credit file. My information was compromised during a data breach involving [ Name of the Company or Organization that experienced the breach ] on [ Date of the Breach ]. As a result, I request your assistance in addressing this matter, as my credit file has been adversely affected. 

The accounts impacted by this breach include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the following inquiry items with trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ), I have the right to dispute any information in my credit report that I believe is inaccurate. The accounts listed above are a result of unauthorized access to my personal information and are, therefore, inaccurate.

Additionally, pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), I am entitled to have my credit file updated to reflect the accurate information, and under 15 USC 1681i ( a ) ( 5 ) ( B ), I have the right to request that these inaccurate entries be removed from my credit report. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that the affected accounts are deleted from my consumer file. I am also seeking guidance on any additional steps I should undertake to safeguard my identity and credit status. 

Enclosed are the relevant documents pertaining to the data breach and its impact on my credit file. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am a Business Owner for XXXX XXXX XXXX XXXX XXXX XXXX, I used XXXX XXXX XXXX for my Merchant Service ( Credit Card Processing ), for years. I became dissatisfied due to the company always deducting fees from my Bank Account that were not specified in the Original Agreement. On XX/XX/2018 I closed the account and was told there would be no additional charges to my account as long as I returned their equipment within 10 days which I did. I never heard from the company again, until last week. A Collection Agency contact me and said that I owed for the equipment {$1300.00} and was very willing to make a {$800.00} settlement. The XXXX XXXX XXXX Company never notified me in any way to tell me that they did not receive the equipment. 

Unfortunately I do no keep shipping tracking receipts for 9 months. After a few month past I thought everything was settled It was shipped in plenty of time for them to receive it. 

One reason that quit doing business with this company is because they seemed to use shady tactics to collect more money from my account numerous times. When I would called they would quickly erase it.
Product: Checking or savings account

Navy Federal Credit Union charged me illegal overdraft fees from XXXX. No action to as taken as I am just becoming aware of it.
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. 
XXXX XXXX account number : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has taken more than 30 days to investigate XXXX account XXXX. Experian stated that they have verified this account to be accurate. The Date Last Reported has never changed since I dispute this account multiple times over the past 2 years. The date last reported should be updated to the date last investigated. The Date Last Reported has not changed which means Experian did not investigate this account XXXX as required per the FCRA. Because the Date Last Reported did not change to the date last investigated this is a violation of the FCRA requirements. I have attached affidavit of Truth and supporting documentation with this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail dispute letters and company claims that they never received. I am disputing incorrect items on my credit reporting which is preventing me to be accepted in a program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was recently stolden in conjunction with vehicle theft. 
In attempting to creat online accounts to monitor and freeze credit, signed Transunion, and the other two. 
Other two companies offered free accounts, and verified personal info in various ways incl. birthday or credit card. 
Transunion asked for credit card information. 

After signing up for the account, turns out Transunion is the only one that charges a monthly charge for the online account, without telling you during the sign up page ( who charges you for something they don't tell you about!? ) When calling, I was told it was part of the terms of service that I didn't read carefully enough. 

Every. Other. Website has a shopping cart with price info if they are going to do something like this. 
How is a company that's making money off me already by my information billing me in the sneakiest way possible, and then making it my fault that they bury a price in a document that I'm sure their own employees don't even read?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk which seemed to initially happen back in late XXXX of 2017. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media that my data was likely stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

MRS BPO LLC reported a XXXX  Account to the credit bureaus against my information. I have contacted XXXX fraud team who has investigated this and informed MRS BPO of the fraud. An original CFPB complaint was entered on XX/XX/2021 for this initial situation XXXX. 

MRS replied to the original complaint that they had resolved the issue and notified the credit bureaus to delete the collection from my credit report. A dispute was also filed with XXXX concerning this collection. 

On XX/XX/2021, I was notified by my credit monitoring service that the collection was reported again for XXXX after it was deleted in XXXX. I contacted XXXX  about this and they have informed me that MRS has continued to assert that the debt is mine. MRS continues to ignore the information provided to them by XXXX XXXX concerning this fraudulent account. I have made multiple attempts to get this resolved with MRS but I was told by one individual that I would have to go back to XXXX to clarify this and by another individual that this account is still with MRS and denied having received anything from XXXX. This is in direct conflict from the prior case resolution from MRS and the information I am being provided by XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving innacurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. This failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer. 
XXXX. XXXX XXXX ( account number : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX ) XXXX. XXXX XXXX XXXX ( account : XXXX ) This accounts were not investigated properly and should be removed immediately.
Product: Debt collection

On today,   XXXX   XXXX   XXXX     I received a call at  XXXX  to my cell phone and  XXXX  to my work phone by someone stating they were  XXXX   XXXX   XXXX  He did not provide a company name or any information as to the nature of the call. He stated he had my name and SS # and I could reference number  XXXX . He stated that he had been " retained '' and my information has been " presented '' in his office. He threated to come to my residence or place of employment to " gather information ''. Since a company name or reason for the call was not provided, I searched for the  XXXX  number left in the message and it matched to  Oracle Financial Group LLP  ; a debt collection agency. At no point in the message was it stated that the call was in relation to an attempt to collect a debt and the call is originating from an " Unknown '' number. It should also be noted that I have not received anything in writing from this agency in regards to the nature of their business with me.
Product: Debt collection

On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). The Patient Balance on this document is {$510.00} and it has been paid. 
I never received a bill or a statement requesting any payment. In addition, two XXXX bills were submitted and paid by my Insurance. I have not received any answers to what this debt is about. I never received any letter or communication either by the original debtor or this collection agency until I contacted them. The hospital had all my personal information and had my insurance information and no other claim was presented.
Product: Credit reporting or other personal consumer reports

The late payments listed do not reflect my regular payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, XXXX and Exoerian ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in XXXX and they told me that I should report the credit bureaus. I am credit invisible. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : 1. Closed Account Still Impacting Credit Score The account is marked as " Closed '' despite having an exceptional payment history. Reporting this account in a way that negatively impacts my creditworthiness violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability. 
3.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from Credit Collection Services threatening to place a judgment for a debt that does not belong to me. This company refuses to reveal any documentation verifying the validity of the alleged debt owed.
Product: Credit reporting or other personal consumer reports

I have a late payment for XXXX XXXX XXXX XXXX XXXXXXXX, showing in my credit report for the month of XXXX. I sent a dispute letter along with my statements showing payment to the credit bureau. They failed to remove the late payment even though clear evidence was submitted of payment made on time. I will submit the same evidence here.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ).  THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING. 
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/XXXX **XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX : # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. # 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON X/X/2017. # 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX AND RECEIVED BY ME ON X/X/17. # 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair CreditReporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices  ActSection 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.