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

XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX -- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Product: Credit card or prepaid card

I have had this Chase Slate card open since 2009. I am paying 24 % interest as an Overdraft Interest Fee. This is not the interest rate for purchases. This is a separate fee every month. I spoke to costumer service. They denied the ability to decrease the 24 % overdraft interest fee. I have no late payments on this card. I also bank with Chase. They were unable to help me in any way. I am desperate to pay this credit card down. With this high interest fee, it has been difficult.
Product: Mortgage

On XX/XX/year> I apply for a Home Equity Loan with AmeriSave Mortgage Corporation ( # XXXX ). XXXX XXXX XXXX the XXXX XXXXXXXX ( # XXXX ) show me different type of scenarios playing with numbers but always with lack of transparency and false promises. We were close to having an agreement on a Loan Estimate. She stated that in order to continue I would have to Lock in an interest Rate with a {$500.00} Fee and after closing it, it would be completely refundable. The closing never occurred becaused I caught her charging me Points to lower the interest rate. She denied everything by lying to me. After reviewing the Loan Estimate it showed a clear evidence of lack of honesty and transperency from the lender to the borrower. After giving her my Credit Card information in acknowledgment of Good Faith on my side of the Agreement she just went ahead and charge a {$500.00} Fee without my signature and consent. The Good Part in my side is that I never sign any Agreement or Paperwork. I later on, call her in a Good way to see if she can waive the {$500.00} Fee because at the end we never close the deal. Conclusion, I am taking action on desputing the excessive {$500.00} Fee by requesting your support. I want them to give me a complete refund on the {$500.00} Fee which is hard to make at work. Thank You!
Product: Mortgage

Specialized Loan Servicing ( SLS ) assumed our loan from XXXX Bank but failed to notify us of the change. Our loan payments continued to be made to our XXXX checking account per the agreement agreed upon when the loan was originated. SLS falsely reported XXXX late payments to the credit agencies greatly harming our credit. I have contacted SLS on numerous occasions and they are unwilling to correct this wrong. Their continued delay continues to cause great harm to my families well being.
Product: Vehicle loan or lease

I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.
Product: Credit reporting or other personal consumer reports

I had an XXXX XXXX XXXX XXXX that went delinquent. The account did not go to collections and I paid it and closed it, since I closed it they have been reporting as the balance is changing on my credit report, repeating false information, which is fraud and I had to ask XXXX why is this company reporting when the balance is XXXX .. they said contact the company which I did. I emailed several times after closing it and paid it off completely. The balance is XXXX yet they still remain open. This is a closed account by them. The company themselves closed it. I asked them repeatedly and Ive emailed them repeatedly to stop reporting on my account since it is closed and and paid off. I paid off the entire balance. It was not a settlement. It is at a balance of XXXX and closed. As you can see in one of the documents I uploaded the balance went from {$5200.00} to {$0.00} to {$5200.00} without my authorization the account is closed. They can not keep fluctuating the balance like this. The other document is the confirmation that the account is paid in full in 2023. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a particular Account that you place on my credit file Acct # XXXX XXXX XXXX XXXX XXXX that I have disputed as fraudulent account but yet you still havent removed the account. I am unaware of the account for the final time. I mentioned several times that the account doesnt belong to me and that I am unaware of the account. I disputed this same account more than 5 times but to receive a falsely generated code from your computer that this debt is verified and I know it isnt mind and Im unaware of it. It clearly is a fraudulent account which I look to do an internal dispute and file this as an affidavit as well.
Product: Debt collection

I have tired reaching out through email and leaving voicemails I got no response. I called the New York attorney generals office and I was told the buisness was closed down. Before leaving a voicemail the automated systems says that all debt will be removed and that all late payments will also be removed. I was told by the attorney generals office this is the best course of action.
Product: Mortgage

I understand that during Covid19 pandemic customer service phone lines and calls are taking a long time but this has nothing do do with the problem at all. I have a mortgage with Wellsfargo, always pay from my bank, wellsfargo by transfer between accounts because all my accounts are linked. I do so via my phone app. My accounts have now been blocked so I can not pay, I can not even transfer between accounts because of this covid 19 forbearance. Wells fargo will not allow me to pay my mortgage and the bank I keep my checking account with is closed, the bank line customer service will not help as many times as Ive called, and the mortgage company will not take payment!! Now I cant even get thru to the mortgage company because pressing to make an online payment now put you right back to the start of the covid19 message about forbearance and starts the entire circle of message over again!!! It says you can make your payment if you can but wells fargo mortgage and the bank are not letting you. The bank says they have to transfer you to the mortgage company and when you get the mortgage company they say that you have to call the bank!!. Yesterday I was fed up, I could not even log on to a computer and pay my mortgage. Somehow they blocked my checking from my mortgage account and my mortgage account from my checking. I also went as far as to set my mortgage up on the bill pay but every time I put the payment in to pay, guess what!!! The bank cancelled my bill pay payment!! So if you call for info on forbearance, or even click that button on the app, u automatically get put in and you get blocked from making your payments. I received a letter after I inquired about the forbearance and decided it was not for me and called n spoke to someone n told them it was not for me but still I am blocked from making my payment. So, yesterday, after multiple times trying to make a payment, trying multiple times to make it online on computer and on bill pay, and calling customer service at both mortgage co and the bank, I asked bank to transfer between my accounts or process payment for me n they said they could not do either for me. I the said, we I'm calling the banking department because this is a scam for the bank to rip off tons of people and make loads of money during a time of hardship and that is a disgrace. I was immediately sent to a superior banker who then could make a case and make sure my payment could then be made!!! At least that's what I was told ... .however, told my payment is still pending in yesterday 's bill pay which is immediate so should have been paid yesterday, the money is out of my account and my mortgage is still not paid and my accounts are still blocked and transfers and payments between my accounts still can not be made. I'm sure I'm not the only person that is blocked from making a mortgage payment at this time and that is a disservice to the people that bank with wells fargo and the people who have their mortgage with wells fargo.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed the same incorrect address on both XXXX and Equifax multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
Product: Debt collection

RECEIVED FAKE EMAIL ABOUT DEATH OF MY MOTHER. OUTRAGEOUS FRAUD. WHY IS THIS ALLOWED? SCAMMERS ALLOWED BY US GOVT ; EMAIL EXERPT BELOW : If you are authorized to act on behalf of the Estate of XXXX XXXX or know who is, please contact our office at ( XXXX ) XXXX. Please note we are not seeking to hold such person, or the family, personally responsible for any of the Estate 's financial matters. 

While we would like to provide more information at this time, please understand that we are required by law to protect the privacy of XXXX XXXX and can only discuss the specifics of this matter with a verified Estate representative. The authorized representative for the Estate may obtain additional details at XXXX. 

We look forward to hearing from you and thank you in advance for attending to this matter. 

Very truly yours, AscensionPoint Recovery Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Telephone- ( XXXX ) XXXX Fax- ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX California Department of Financial Protection and Innovation License No. : XXXX XXXX XXXX XXXX Department of Consumer Affairs License number XXXX XXXX AscensionPoint contact : XXXX XXXXXXXX XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX North Carolina Permit Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors CBNA, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Product: Debt collection

Somebody got an at & t internet connection in my name at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then transferred it to another address i have always stayed in XXXX XXXX XXXX XXXX XXXX. i dont know how they got my information? next thing i know i get a collection letter from a service i never had.
Product: Credit reporting or other personal consumer reports

XXXX was on my debit card which USAA put a credit monitoring on all of my usage, which then they sent me a report where an old closed XXXX account was tried to be used in Georgia. I also have several inquiries for new credit cards neither XXXX of the credit bureaus are fixing or helping me even though XXXX a credit monitoring on all of my usage, which then they sent me a report where a old closed XXXX account was tried to be used in Georgia. I also have several inquiries for new credit cards neither one of the credit bureaus are fixing or helping me even though I am disputing these closed accounts that are not mine and are 78 years old that continue to stay on my report and are ruining my credit score and they are also allowing these inquiries to go through even though I have a credit freeze
Product: Checking or savings account

I opened a savings account with M & T Bank here in XXXX and was not told that a service fee of {$15.00} a month would be bank taken out of my account if I didn't keep a minimum of {$2500.00} in my account. I hadn't touched my savings account since XX/XX/2017 and until now this bank has been charging my account up to {$500.00}. so far. I hadn't noticed on my statements until now of such a fee for having my money in a savings account for safe keeping. I called the bank to ask to them to put my money back but they sais they would give me {$60.00} of it because it wasn't the banks fault or error. I said it is the banks error because I wasn't told such rule. I said if I knew of this I would have either kept {$2500.00} in my account or I would had closed out the account all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Checking or savings account

On XX/XX/21 and XX/XX/21 I had XXXX taken out of my account. And XXXX a month since then for a student loan. It has not been going to be student loan account. 

I have contacted the US Department of Education/Mohela , where my loan is through. And I have contacted my bank account to have them put a hold on my account. 


Is there any way I can try and get some of my money back? Because it has not been going to my student loan. 

Please let me know. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I have contacted XXXX  XXXX on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? 
To add -- I've never even considered using XXXX XXXX. I've never received a single piece of mail to my home from XXXX XXXX. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.