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

I am trying to get equifax to delete comments on a closed account for mortgage purposes. I sent in mail XXXX months ago requesting the deletion and i faxed a request XXXX month ago. still no change. 

MY CREDIT SCORE IS VERY LOW BECOUSE OF THIS COMMENT. AND I NEVER MISSED A PAYMENT ON THE VEHICLE AND PAID IT OFF YEARS AGO. THIS SHOULD BE A POSITIVE ACCOUNT BUT ITS SHOWING AS DEROGATORY BECOUSE OF THE COMMENT. THIS IS HINDERING ME AND HAS BEEN HINDERING ME FOR YEARS.
Product: Debt collection

I am writing to dispute an item on my credit report. I have been having issues with XXXX XXXX and XXXX XXXX for quite some time now. Despite numerous attempts to rectify the situation, I am still having to file complaints and dispute letters. I am extremely frustrated with this situation, as I was promised that this issue would be resolved within 10 days. It has now been 65 days and the issue is still impacting my XXXX XXXX, which is preventing me from moving forward on a loan. This is causing me a great deal of emotional and physical distress, and I am at my wit 's end. Please see the attached documentation regarding my accounts with Capital XXXX and Vive Financial : Capital XXXX XXXX Date opened : XX/XX/XXXX Balance : {$35.00} and Vive Financial XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. And also, the bankruptcy information currently reflected on my credit report is not only inaccurate but egregiously so. The case purportedly being reported as valid and accurate is patently incorrect. Contrary to your records, there has never been a case tried or seen, and unequivocally, there is NO JUDGMENT associated with it. Absence of a judgment indicates the absence of a case a basic legal principle seemingly overlooked in your reporting. It baffles me how a case that was never presented before a judge is now being reported as valid on my credit file. I demand that this erroneous account be promptly expunged from my credit report. Failure to rectify this situation with the utmost urgency will leave me with no choice but to pursue legal action. Be advised that I have already consulted with my attorney, and should this matter persist beyond 30 days from the date of this letter, a federal case will be initiated against the responsible party. XXXX XXXX CT CA XXXX XXXX XXXX Filed on XX/XX/XXXX. I implore you to take immediate action to correct this gross misrepresentation. Disregarding this request and continuing to disseminate inaccurate information will compel me to seek legal redress without hesitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit profile that have inaccurate information listed as well as unverified information. I sent Transunion a follow up to my initial dispute requesting that the company provide me with the method in which they verified the inaccurate information on my credit profile. My request was received and the end result was yet another investigation and no information on how the data on my credit profile was verified.
Product: Student loan

My student loan is held by XXXX. I had issues creating a profile and logging into my online portal. I called the company and they said there were known issues with their mobile app and I should try to set up my account on a desktop computer, which I do not have access to. They did take my payment over the phone and it brought my account current. I found out after this that although they send me a bill for 1 student loan payment, they turned in 5 separate delinquencies to the credit reporting agency. This had a detrimental effect on my credit score. 1 reported delinquency for the student loan payment I owed would have been correct. Instead, they reported each semester of school as a separate late payment. This doesn't seem like fair credit reporting practice to me. I called and they said, it's their policy to report that way.
Product: Mortgage

The mortgage loan was with XXXX and then sold to Planet Home Lending. Planet Home Lending states I owe over XXXX XXXX XXXX but I am current with my payments. It does not look like my escrow was transferred to the new company therefore looking like I am in default. No one is working with me in this matter and Planet Home is continuing to state I owe XXXX although I have complete payment history for my loan.
Product: Payday loan

i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law, i, the consumer, am afforded maximum accuracy on my credit report. I reported that there were numerous fraudulent accounts and inquiries on my account with Equifax. According to 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax still has the fraudulent XXXX XXXX XXXX last four acct number XXXX reporting on my account.ans reporting fraudulent accounts information across the other 2 credit agencies. The updating Is fraudulent and different from XXXX. The date on XXXX is also fraudulent and I have disputed them too. This is clear evidence that this account is fraudulent and is reporting different information to different credit bureaus. Since the law demands that I have maximum accuracy on my credit report, I expected these be dropped. I sent screenshots of this fraudulent account reporting fraudulent information on different dates to different credit bureaus.
Product: Credit reporting

XXXX XXXX, XXXX Experian To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX XXXX XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. Convergent Outsourcing XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. DEPT OF ED/XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is one of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. DEPT OF ED/XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the one appear on my id docs XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX
Product: Mortgage

My husband passed away XXXX XXXX, 2011 after a two year battle with XXXX. There is a loan modification of the mortgage on my home which I never participated or consented. 
As you know, Wells Fargo bank conducted so much fraud and I am afraid that this loan is another fraud. They do not give me any information regarding this loan. 
I contacted Wells Fargo bank and faxed documents demonstrating that the property is in my name and anything affecting my property requires my consent. I did not receive any response and Wells Fargo failed to return my phone calls.
Product: Checking or savings account

On XXXX XX/XX/XXXX I was frauded and XXXX XXXX of my money was taken via XXXX from unknown recipients posing as my banking institution Chase. I was sent a fraud notification and was told from a Chase customer service # or what I believed was chase that my account was in jeopardy and that I must act immediately to stop identity theft and unauthorized transactions. I immediately went to Chase bank after speaking to what I believed was a Chase customer service manager who asked me to log in to protect my account from unauthorized transactions. The next minutes are a blur and I was in a panic once I realized what was happening and I hung up and rushed to my bank to stop pending transactions on my account. When I arrived the manager said that it was too late even though the transactions said pending. I immediately filed a police report after I got home and found my ipad was also missing which had all my banking information and passwords in the notes section. I have also called XXXX and have frozen my credit and put an alert out as per the police department recommendation. My identity and all my banking accounts could be jeopardized. Chase is refusing to reimburse me for this fraud saying I authorized these two fraudulent transactions. I did not knowingly and I believed what I was being told by what I thought was my bank. When I hung up they called back stating that they were Chase fraud team customer support. This has completely traumatized me and it is completely unfair that I not be refunded what was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer an authorized user on this account. Please clean up my history by no longer reflecting me as a user. 


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

My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX  Equifax and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge XXXX   XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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

I was in the military got XXXX in XX/XX/2016 XXXX XXXX XXXX XXXX hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed
Product: Student loan

On XX/XX/XXXX I submitted an application for consolidation through XXXX. All of my student loans are direct federal loans and I have been working toward public service forgiveness for XXXX years now. My consolidation was processed and MOHELA, who has been my servicer since XXXX stopped, switched their platforms. My newly consolidated loans were there correctly but I was on the standard repayment plan, even though I requested to be on SAVE as a part of the consolidation ( I was on SAVE prior to the consolidation as well ). On XX/XX/XXXX I submitted a message to MOHELA asking if my application was in process. They responded asking me to call them, and after holding for an extremely long time I was told to resubmit my application for XXXX and MOHELA would choose which XXXX plan Id be on. I resubmitted my application for IDR XX/XX/XXXX and its still listed as in review, just like the first application.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge-off/past due from Capital One on my credit report with XXXX. Twice, I've told them that Capital One will not respond to my requests to prove this is my credit card. They will no longer investigate and Capital One has never responded to my inquiries. Yet XXXX continues to report the information even though I have told them that I never had a Capital One card.
Product: Checking or savings account

On XX/XX/year>, I applied for an apartment and made a deposit from my Ally Savings Account. The deposit went through successfully, but on XX/XX/year>, I was informed by apartment staff that the deposit had been charged back by the bank as my account had been frozen by Ally, which was supported by the ledger provided. However, when I reached out to Ally to ask why my account had been frozen, they had no explanation and did not offer any recompensation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from Wells Fargo stating that they will be closing my checking and savings account by XX/XX/XXXX " because of one or more money transfers to your account reported as unauthorized. '' As the only person on the account I was not aware of any unauthorized activity so I contacted Wells Fargo assuming this could be resolved quickly. Until then, I had no access to my money and no money was allowed to leave my account, or so I was told. 

On XX/XX/XXXX a wire transfer was initiated from my checking account for {$9300.00}. I did not give consent, nor was I ever notified of this transfer. When I checked my account and saw the transfer I contacted the bank immediately and was told it was initiated from a branch in XXXX, far away from my local branch in XXXX, and that it must be identity fraud. They suggested I go to the local branch with proof of ID to sort it out. That's when things got really weird. 

The bankers I had met with before about my frozen account suddenly disappeared and the manager hid behind a locked door. I was told everyone was busy and make an appointment at another branch. This was urgent for me so I decided to wait. Eventually someone came out and dialed a phone and passed it to me - without any communication to me or the person on the phone - but somehow the person on the phone knew the issue and was very rude and accusatory. When I asked for the case number, she XXXX XXXX XXXX gave me a different number ( XXXX ) than the case number provided in my email communications with the bank ( XXXX XXXXWells Fargo claims that a wire transfer to my account on XX/XX/XXXX in the amount of {$9500.00} was flagged as fraudulent. That account belonged to my father and I had been granted temporary guardianship, with sole control of his account, so I knew it hadn't been flagged as fraudulent. 

Unfortunately, my father passed the evening of XX/XX/XXXX and in my grief I stupidly believed Wells Fargo was speaking truthfully. I now know it was Wells Fargo that flagged my account on XX/XX/XXXX and when I went into the local branch and told them about my father passing and it was his account... they started demanded documentation they didn't really need because my father 's bank wasn't asking for the money to be returned, which I have since verified with them. 

I would greatly appreciate your help in finding out where the {$9300.00} from my account was wired to and who authorized it. I have requested this information from Wells Fargo many times and they will not provide it. They have now closed my accounts and soon I will not have access my records.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : CHRYSLERCAP Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

One of our employees has a debt collector that keeps calling after we asked them to stop and let them know employees cant receive personal calls at work.
Product: Credit reporting or other personal consumer reports

I am requesting for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows credit inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments for XX/XX/XXXX and XX/XX/XXXX are showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. 

Delete the specified accounts from my consumer report and all your systems.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  keeps calling me repeatedly from a restricted number and I have no way to call the number back which is an illegal collection practice. They must call you from a number that you can call back. Also there was {$2000.00} payment applied to my account and they did not give me credit for that {$2000.00} payment which was made because of a illegal contract that was made through a 3rd party. XXXX XXXX and XXXX  XXXX XXXX are corrupt. 

Mind you they spoke with my daughter because she is a collector and answered the phone knew they couldn't call from a restricted line. Did not verify any identifying information to confirm who they were talking to. Anyone could have said they were me they disclosed it was a debt and also disclosed it was about to charge off.
Product: Credit card or prepaid card

ON XXXX XXXX I RECEIVED A LETTER FROM CHASE BANK USA INFORMING ME THAT I WAS DENIED A CREDIT CARD DUE TO MY POOR XXXX CREDIT REPORT. THE PROBLEM IS THAT I NEVER REQUESTED OR GAVE AUTHORIZATION TO CHASE BANK TO PROCESS A CREDIT CARD APPLICATION. I HAVE WRITTEN TO THEM BRINGING TO THEIR ATTENTION THEIR VIOLATION OF MY PRIVACY RIGHTS AND DEMANDING ACTION TO CORRECT THIS VIOLATION. SEE ATTACHED LETTER ADDRESS TO CHASE. I WANT YOUR BUREAU TO ADDRESS THIS WITH CHASE, BUT MOST IMPORTANT TO CHECK THEIR RECORDS TO MAKE SURE THIS BANK WHO HAS AN EXTENSIVE HISTORY OF FINANCIAL AND CONSUMER LAW VIOLATIONS AND BEING FORCED BY THE JUSTICE DEPARTMENT TO PAY BILLIONS IN FINES, THAT THERE IS NOT A PATTERN OF VIOLATIONS SIMILAR TO THOSE EXPERIENCE BY XXXX XXXX CUSTOMERS A COUPLE OF YEARS AGO.
Product: Debt collection

A man named XXXX called me from this number XXXX ( XXXX XXXX XXXX saying he was a part of a collection agency and I owed a debt of {$580.00} + interest from my gynecologists office. I was confused because my insurance should have paid that, they were routine checkups. I have a lab fee which I am aware of from a different company that has not been transferred to my insurance yet and thought this was the amount he was referring to ( {$100.00} ). He asked for my credit card to pay the {$100.00} and that he would look through again to see if something was mistaken but I need to pay something now. He said if I didnt pay it would affect my credit score and that it would permanently be on credit history. I hung up the phone and called my gynecologists office and they assured me there was no debt and they had not sent me to collections. I called him again and he continued to say there was a debt and it will immediately affect my credit score and that he was going to put it through to make sure it went on my permanent record.