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

Went on annual credit report to get my free report after having a big problem I wanted to call the CEO of Experian but XXXX what there not in the United States there in XXXX this is wrong no wounded we getting hacked this has to be shut down the credit agencies need to be here in the UNITED States not over seas
Product: Credit reporting or other personal consumer reports

Working on my credit when the credit company pulled my information it was not accurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report related to accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX. Under the protections provided by the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) and 15 U.S.C. 1681, I demand the immediate removal and blocking of these fraudulent entries.

This information is false, inaccurate, and appears to be a result of fraudulent activity that I did not authorize. Under FCRA Section 605 ( b ), you are required to block this information from my credit report, as I am disputing it on the grounds of identity theft and/or fraud. The law is clear in 15 U.S.C. 1681 ( c ) -2 ( b ) that the credit bureau must remove this information if it can not be verified as accurate.
Product: Mortgage

Ocwen   XXXX  I was told they many time that they sent information to there legal department to pay them I had s ent Ocwen documents Check Stud, Tax and banking documents via fax without any success Owens the n keep telling me that they did not get those documents for months Then I had contacted  XXXX   XXXX   XXXX   XXXX  to send those documents via fax they said that they did not get those documents Then I had co ntacted my VA REP to send those documents after about four days Ocwen  sent me a Mod Pack It about that time I got feed up with  Owen I contac ted a third-party for help The fresh  Start Ocwen an told that they The Fresh Start would be my th ird day contact  XXXX   XXXX   XXXX   XXXX   deman letter *Specific QWR was sent to Owen with they dismissed it by Ocwen ( Request every aspect of the loan transactions ) Real State Settlement Procedures Act Ocwen still have not resond with any answ er to the  XXXX  Demand document or the QWR  XXXX  -  XXXX   XXXX   XXXX   XXXX    Service- Connection M issouri non Judical forcloser CFPB Case number  XXXX
Product: Debt collection

For about a year now, I continue to recieve multiple telephone calls on a daily basis from Portfolio Recovery seeking persons that I do not know, that I have no affiliation with, and nor do they live at my residence. I have informed Portfolio Recovery numerous times that they have the wrong number, and perhaps the people they are attempting to contact had this telephone number before myself. However, I continue to recieve multiple daily calls from this company. At one point someone also called me on my cell phone asking for the same persons, and also provided me with sensitive information about the person to whom they are seeking.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried several times with Equifax and each time they have come back claiming that it is being reported accurate and this item is being reported like its a credit account but it is a judgement from court i would your help to have this item to be reported correctly. 


Equifax Account : XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX 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

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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I've sent numerous certified mailed letters asking for debt verification and never received a response. I just received a letter from the company stating I owed {$130.00}. I tried to log onto the website listed on the letter to verify account information and it appears the account has a balance of {$0.00}. I don't understand why they don't remove this and stop reporting it. 

I was able to get this taken care of with XXXX  credit and they successfully removed this from my credit report. I don't understand why XXXX  and XXXX  have failed to do so. It is my understanding that if I mail a certified letter they have only a certain amount of time to reply. If they don't, then the debt is invalid. Again, XXXX  gladly adhered to this and went above and beyond to assist me and correct the issue.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was approved for a personal loan with Pacifica Finance. They stated that the loan would be deposited, in full based on my application, by XXXX that evening. 

Since then, theyve made several inquiries to my bank and done multiple verification to ensure that, on my behalf, everything is being done correctlyon their behalf, things have been lagging severely. 

In the last few days, their employees have resorted to name calling and asking me to pay them prior to fund delivery rather than ensuring that the funds are delivered as promised with no obligation to me at all as the loan agreement has been signed as of XXXX. The only thing thats been amended in that agreement is my banking information because they inquired about verifying my debit card on my XXXX XXXX XXXX account which caused strange transactions shortly aftermy account was then flagged immediately after. 

The new account given has been verified and meets the criteria for deposit.
Product: Debt collection

I had a cancellation fee that XXXX had wanted to charge me after I cancelled my cable in 2018. I spoke with the company on XX/XX/2018 and requested that the operator request to the manager that they waive my cancellation fee on the basis of being a long time customer. The operator mentioned they would do so and contact me back. XXXX never did follow up with me, and sold the debt to Diversified Consultants. I have paid it off, however now have a collections account on my credit report that is hurting my ability to access credit in the future, because of XXXX misrepresentation of what actionable steps they would take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.
Product: Payday loan, title loan, or personal loan

Unable to make the $ XXXX/month payment asked if they could take a smaller amount like {$500.00}, they said no. They also send harassing texts and phones calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCESS # : XXXX SUBJECT : NFCU UNETHICAL PRACTICES ( INACCURATE BALANCES/XXXX. REPORTS, OVERDRAFT FEES ) Dear CFPB, I am reaching out to seek assistance in resolving an ongoing issue with my financial institution, Navy Federal Credit Union ( NFCU ), regarding overdraft fees charged to my checking account, ending in XXXX. 

After an inquiry into a recent overdraft fee, I demanded that NFCU waive and refund all overdraft fees. Additionally, I requested that NFCU accurately report pending transactions and balance information, allowing customers a grace period to correct any negative balance issues. 

Despite my efforts to address these concerns directly with NFCU, they have not provided a satisfactory resolution. Therefore, I am seeking your intervention to ensure that NFCU complies with these demands and rectifies the situation appropriately. 

Please find documentation supporting my claims, including correspondence with NFCU and evidence of the inaccurate balance reporting. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I had supposed fraud charges requested another card haven't received it
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I hope this letter finds you well. I am writing to express my serious concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These inaccuracies are causing significant harm to my financial reputation and overall well-being. 

The fraudulent items in question pertain to exist in my credit report as fraudulent or inaccurate. These inaccuracies have had a detrimental impact on my credit score and have caused considerable emotional distress and inconvenience.

I wish to bring to your attention the extensive steps I have taken to address this issue : I have submitted multiple dispute letters to your credit bureau. These dispute letters included detailed information about the fraudulent items, supporting documentation, and a clear request for their removal. 

In accordance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. 
I completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), as part of the process to rectify the fraudulent items on my credit report. 

I have diligently contacted the relevant creditors associated with the fraudulent accounts, providing them with documentation to dispute the charges and request their cooperation in resolving the issue. 

Despite these comprehensive efforts and the provision of all requested documentation to substantiate my claims, I am disheartened to see that the fraudulent items persist on my credit report. This ongoing situation is not only damaging my financial stability but also causing significant emotional distress. 

I urgently request your immediate attention and action to rectify this matter. I implore you to : Investigate the fraudulent items reported on my credit report and verify their accuracy. 

Promptly remove the fraudulent items from my credit report and provide me with written confirmation of their removal. 
Review and enhance your internal security procedures to prevent similar fraudulent items from affecting consumers ' credit reports in the future.

Failure to address this issue promptly and effectively may compel me to seek legal remedies to protect my rights and seek redress for the damages incurred. I believe that immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I expect your immediate response within the exact timeframe from the date of this letter. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX A XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This company is blatantly committing fraud. They are violating the FCRA, FDCPA and FACTA laws. 

Here are the numerous laws they broke and I've sustained actual damages : 1. Re-reporting a previously deleted account on my credit report without sending me the required 5 day notification.

2. Not notifying me in writing 30 days prior to this reporting on my credit and giving me a chance to dispute or validate.

3. When I call and send request for validation, they can't validate the debt.

4. They are re-aging the date of the last payment on this account so they can report it on my credit past the 7 year statute of limitations.

5. I was threatened with a lawsuit on a debt that is past the state statute of limitations.

I'm going to keep complaining about this company until this is picked up by the Attorney General and they are held accountable for their blatant fraud and breaking numerous consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX {$97.00} They didn't include an acct # In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC sect1681 .

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

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Mortgage

We called Wells Fargo Mortgage on XX/XX/XXXX because we got a letter and check stating we had overpaid on late fees. We pay every month and on time for more than what is due. When we called to see why there were late fees, we were informed that they misapplied an EDI payment in XXXX of XXXX for {$640.00}. We advised them that it was misapplied and it was for our regular payment due. They refused to correct the issue and escalated it to a supervisor who also refused to correct the issue. I requested someone higher than the supervisor. The executive team took over and refused to correct this as well. They said that they used their logic to apply the payment and because it has been so long, they cant fix it. Since we pay by EDI, they claim its not their responsibility to make sure payments are applied correctly. They removed only {$300.00} in late fees and left our account as behind with late fees continuing to accrue unless we pay an additional {$920.00} to bring the account current, even though it was only {$640.00} misapplied. They made zero attempt in almost four years to notify us that our payment was not applied correctly. They stopped sending statements at the same time they misapplied the payment in XXXX if XXXX. We had no reason to contact them regarding not receiving statements since we were paying more than the amount due on time. They sent a partial payment letter monthly, but it always stated that they would apply the funds to the payment due once the remainder was received. This letter never stated that the account was behind or that there were late fees. We had been paying by EDI for 5 years before this and had never been told by Wells Fargo that they can not accept EDI payments or that we are fully responsible for any fees or misapplied funds. They refuse to correct the payment after they were notified it was misapplied and are holding the stance that it is our error and we are responsible for the hundreds of dollars in late fees and responsible for making a full extra payment to bring the account current.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was charged a late fee of {$30.00} on my Barclays account. The following day, XX/XX/year>, I called Barclays customer service and paid the full balance of {$82.00}. During this call, I was assured that the late fee would be waived. 

In XXXX, my account was reported as in good standing on my credit report. However, in XXXX, I was charged an additional {$41.00} late fee for the late fee from XXXX, and this was reported as a XXXX late payment on my credit report. The same issue occurred in XXXX, with another {$41.00} late fee charged and reported as a XXXX late payment. 

Despite multiple attempts to resolve this issue with Barclays, the late fees were not removed until XX/XX/year>. However, the late payment entries remain on my credit report, significantly impacting my credit score. These erroneous late payments have caused my XXXX XXXX to drop by over XXXX points, resulting in my denial for the XXXX assistance program, which was essential for my plans to purchase a home. 

I have already escalated this issue directly to Barclays, and despite their assurance to reverse the initial late fee, they failed to correct the reporting on my credit report. I am seeking the immediate removal of these incorrect late payment entries from my credit report to rectify the damage caused by Barclays ' negligence. 

Attached are my billing statements and documentation of my communications with Barclays, demonstrating their failure to honor their commitment to waive the late fee and correct my account status. 

Thank you for your assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

I am secondary on a loan for a vehicle from XXXX XXXX in XXXX indiana. Kitch Acceptance corporation is the loan company for the vehicle. The payments are 2 mo behind and on 2 separate occasions kitch acceptance has done a hard inquirary on my credit without consent. Once in XX/XX/2023 and again just a few days ago. This is making neg remarks on the credit ive been working on building up.
Product: Debt collection

I received a garnishment letter XX/XX/XXXX. I contacted Cooling and winter because it stated it was for a XXXX XXXX card. I had agreed on an amount back in 2022 and made 4 payments to close the debt. Now they telling me I had 2 XXXX  XXXX debts with their office. And no one told me that last year when I agreed to pay a reduced amount that I had 2 accounts. The account they had me pay did not have any judgements or ever been to court. They misrepresented what I was paying, when I finished paying I thought I was done. I feel scammed because they had me pay the wrong debt, knowing that the other debt had a judgement. 
I tried to reason with them today but no, pay the XXXX dollars or the garnishment will proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked XXXX if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me