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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

I have attach any supporting documents, such as copies of dispute letters, responses from the creditors, or other relevant correspondence. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. I am asking for your immediate assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a judgment against me on an account that is with Portfolio Recovery. I have been working with Portfolio Recovery for 10 months paying off several accounts that are with them. I have worked with them and I do not understand how it is possible that no communication happened regarding this account at the time i made payment arrangements on what I assumed to be all accounts in the possession of Portfolio Recovery. I am not a criminal nor a scam artist and yet I am treated as such by a company i have been working in good faith with, and this judgment comes as a huge shock and huge stress. I work full time, am a single mother of XXXX and having this hover over me while also continuing payments on accounts with Portfolio Recovery has me furious. Please let me know where to go from here, how to proceed, or at least how i can get this account also paid which was and still is my ultimate goal. 
Thank you
Product: Credit reporting or other personal consumer reports

Due to the 3rd party out of county sourcing of credit monitoring and customer service you can n't have a conversation without being hung up on. I have disputed multiple issue on my account only to be told ' tha't what the company said " however when I contat the company they are in agreement with me that i do not owe the debt, never bbeen late, i even hav a court discharge that a vehicle slated for repossession is not mine, and was dismissed in court however it remains onmy account closed charged off but reporting late it has destroyed my credit it seems someone is using my credit for items that are approved but i am not able to use my own credit. They never have answers other than that's what the company said, i have multple aliases its like intentially destorying my credit to cause me financial harm i feel liek my name is on a XXXX XXXX XXXX XXXX. it never updates i have lived in my home 20 years but will show multiple address pushing my credit score its like the opposite of credit repair its credit sabatoge i think to distress me and make me lose my home.
Product: Credit card or prepaid card

In XX/XX/2019 WF/XXXX XXXX  put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would update the account but they have failed to do so after many attempts from my end. This has popped up two other bureaus and has greatly lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About XXXX ago i had received and credit card application in the mail from XXXX XXXX for a promotional card that gives prime for life as an interest % a few years later the bank was bought by Chase Bank so i called Chase Bank and was going to close the account but was advised by Chase that they would honor the prime for life card, that was about XXXX years ago.Now i find a charge for {$98.00} bank fee. so i called them and was told that my chase freedom card now has that fee because of my prime for life. if you check their website will will see that the Freedom card has no annual fee. So it seems they targeted me because of my low interest rate they they gave me. Also how can they charge an fee for a card that they advertize with no fee. sounds like discrimination to me.
Product: Money transfer, virtual currency, or money service

I sent the sum of {$650.00} to a relative in XXXX on the XXXX of XX/XX/year>, and received a reply that the money has been deposited in her account. My relative later verified that no money was deposited. I called SENDWAVE, several times and they told me that their system had an issues, and assured me that my recipient will receive the money the next hour. This never happened, at one point they told me that the money went to her XXXX account, and never made it to her dollar account. They requested for her XXXX bank statements for both her XXXX account and XXXX account which I forwarded to them, but still no response. I have called them multiple times, and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with XXXX, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from XXXX. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. XXXX did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my XXXX account open because it's my longest standing credit card. I believe XXXX is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like XXXX, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that XXXX shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.
Product: Consumer Loan

Reference No : XXXX ALL RIGHTS RESERVED Please provide me with the original signed Promissory Note for the account listed above. This note is my property and it was not returned to me. 

Please provide me with a complete account statement for the account noted above from the first day of the account being opened to the last day of the account being open.
Product: Mortgage

We have battled with XXXX, for 4 years now. They advised us they had purchased our mortgage in 2012, from another company. Our Loan Modification was already done, with the prior company, we were waiting for the paperwork to sign. 
Now, they can find nothing for paperwork, except theirs. We have been to Court 12 times, each time, Each time, I had all my paperwork in order, they did not. 
At the 11th Hearing, they lawyer for XXXX/Wells Fargo, apologized to the Judge, advising him, she had just received a call, from XXXX. The Modification was going through, everything was in order, including the financials, but it was to late to cancel the hearing. The Judge specifically asked her, if this was settled, the Lawyer responded " Yes Your Honor '' .... The Judge then scheduled a hearing to dismiss in 60 days, after the Modification was signed and in effect, everyone agreed. 
60 days later, all the paperwork was gone, missing information etc, back to Court. 
I had to re-admit everything again. Most of it got there, but I had a XXXX and surgey, at the next hearing, they moved forward with the foreclosure ... .. 
I have done everything required, attended every Hearing, was always ready, with extra copies, of each item they claimed to be missing ... 
Even the Judje said to them, they are deliberately, causing all these delays, which was evident, through their Lawyers Statements, Questioning XXXX XXXX XXXX, who could not answer any of his questions, with a actual fact based answer. His every answer was " I 'M not sure about that your Honor '' after the 3rd same answer, the Judge, denied their request and told them to redo everything immediately. 

I can not keep battling the blatant abuse and blatant lies, from their XXXX Lawyers, which they were caught in every time ... 
We also have requested copies of the Original Loan Documents, to date, they have been unable to locate the document 's.
Product: Debt collection

Received a call, and 3 second ( no actual message ) voicemail at XXXX Eastern DST ( my local time ) on XX/XX/2020.
Product: Checking or savings account

I was scammed on XX/XX/XXXX. The bank told me if the check cleared it was a good check. It cleared and was a forgery. I am out the money. Ithe bank took my ssi check in full for XX/XX/XXXX! I am {$820.00} in arrears now. My credit is great and I dont want this to ruin me beyond what it has done. I have been to Social Security office, the bank, the police and no one can help me. Can you please show this to a lawyer or someone who can help. I just read that they were not allowed to take my check. What do I do now? I am borrowing money from friends to get through the month. I am a good guy with good credit and I made a mistake. Do I get crucified for that? Nobody seems to help me! My number is XXXX I would appreciate if someone could take a look at this. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Checking or savings account

Bought tickets to a concert through XXXX pre-pandemic ( XXXX XXXX  amount of XXXX XXXX date was XX/XX/XXXX and XXXX XXXX  amount of XXXX scheduled date was XX/XX/XXXX ) using my debit card from Wells Fargo. Account was closed XX/XX/XXXX. Due to the pandemic concerts were canceled. XXXX issued refunds on XX/XX/XXXX ( amount of XXXX ) and XX/XX/XXXX ( amount of XXXX ). To this day both XXXX and Wells Fargo claim they dont have the funds.
Product: Money transfer, virtual currency, or money service

Money was sent to wrong person and was never able to get a refund or cancellation. Lost money because of this.
Product: Credit reporting

Equifax has persisted in reporting incorrect and/or incomplete information : XXXX, which was reinstated, has no date assigned for deletion. 

Please note that I am not asking them to verify if the account is mine. I never did, yet they insist on including that fact in their responses. This account IS mine ; however, the date of deletion should be indicated, especially since it 's due to come off in XX/XX/2017.
Product: Credit card or prepaid card

my credit card with bank of America was stolen in XXXX XXXX my card ending XXXX there was XXXX charges on my account that i did not make the rep with bank of America did n't file my claim correctly on the card being stolen and my claim was closed because there was nothing put in my claim that my card was stolen for these charges too be properly investigated they did send me a new card out with a new account number ending in XXXX i have tryed too many times too get my claim corrected too try too get the money back on my account with nobody seeming too know how too correct my claim and get this resolved and wanting too do what ever i can too get this corrected and resolve the totaled amount in question is {$790.00} on theses charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure my personal information and allowed it to compromised. XXXX2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a XXXX of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Product: Debt collection

I spoke to the company told them my wallet was XXXX never opened an account with them .I keep telling them what happened. 
XXXX XXXX XXXX XXXX Open account XXXX XXXX
Product: Mortgage

I bought a house XX/XX/XXXX for {$220000.00} I had a credit score of XXXX/XXXX, I was put into an FHA loan because I was told that I only had 10 % down payment. XXXX  XXXX XXXX bought the loan@ 3.625 % ( until XX/XX/XXXX ) they transferred the loan to Carrington Mortgage XX/XX/XXXX/XX/XX/XXXXBalance was {$180000.00} before payment of {$1300.00} on XX/XX/XXXX. Carrington Mortgage took over w 1st payment starting XX/XX/XXXX@ 3.625 % ( until XX/XX/XXXX ) ... 
XX/XX/XXXX intrest rate went up to 4.625 % New payment was at {$1400.00} then dropped to {$1400.00}. I had contacted them in XX/XX/XXXX about removing my PMI due to the equity/value of my home & received a letter back From Carrington mortgage stating premiums are set to cancel XX/XX/XXXX based on original closing documents or per Hud principal balance must reach a {$170000.00} in order to qualify for early cancelation current principal balance is at {$180000.00} I have contacted them again and no response. As of my statement Date XX/XX/XXXX payment due date XX/XX/XXXX my principal balance was at {$170000.00}. 
My current principal balance as of XX/XX/XXXX is a {$170000.00}! My house is currently valued at {$260000.00} ( without any of the upgrades I have done ) Not only have they not removed my PMI but on several statements they're showing " past due balance '' {$5.00} or {$10.00} Which is what they actually charge to make a payment online with your checking account. They are continuously sending emails, mailings and calling wanting me to do a refinance on my house. Please Help! I have contacted my lawyers to contact them and they have not responded to my lawyers. 
Where do I go from here?!!?
Product: Debt collection

XXXX XXXX put a {$470.00} collection on my credit report claiming it's a debt from PayPal, I've contacted PayPal and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from PayPal, however I use them to make payments on the spot using my credit card on file.
Product: Vehicle loan or lease

On XX/XX/XXXX I received my payoff package in the mail. I immediately XXXX the required amount to them which was marked received on XX/XX/XXXX. The amount enclosed was the exact amount requested on the paperwork for a payoff through XX/XX/XXXX. On XX/XX/XXXX I logged into my account and noted that the lease was still active, a late charge had been added and the payoff was marked as short. I called, spoke to a supervisor and was told that some work would be require to reverse the issue and I would get a call by XX/XX/XXXX. It is now the XX/XX/XXXX and this is still not resolved. I never received a call, email or other update at all on any of this. They will not give out supervisor information, and everytime I call " none are available '' This is bar none, the worse work I can imagine. I have done nothing wrong and yet even a month later they ca n't resolve this. I am now worried that this inept company will report me as late for a lease that I have paid off and I still do n't have my title.
Product: Checking or savings account

There was fraud on my Wells Fargo account after XX/XX/2021 Ive filed the disputes for each transaction that was unauthorized and I also given the bank supporting evidence to provide me a provisional credit within the ten business days I was told my account would be provisional credited. At this point they are not trying to issue me a refund of XXXX back to my account my name is XXXX XXXX XXXX XXXX and this fraud token place in 2021 and I still havent received my reimbursement at all. So I would diligently appreciate if someone can help me receive my pain and suffering of this horrible predicament thank you