23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXXXXXX XXXX OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report I noticed hard inquiries that are not mine.
Product: Vehicle loan or lease

I have sent the letter that I have attached to complaint asking for documents to be sent to me and allowed 30days to pass but I have yet to hear back from the company.

The documentation that I have requested is : 1. ) Validation of debt the full accounting on and off ledger 2. ) Verification of the claim against me ( signed invoice ) 3. ) A copy of the contract binding both parties in a letter by certified mail so that there is an independent witness to it having been delivered. 

I have also agreed to continue to pay as long documentation is provided but I have yet to receive documentation. 

Letter was sent XX/XX/2023 and was picked up by someone on XX/XX/2023 at XXXX Tracking number XXXX via XXXX XXXX mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that XXXX XXXX XXXXXXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, XXXX XXXX XXXXXXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX   XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX XXXXXXXX has in essence placed it position as zero, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX  XXXX is violating its subscriber agreement with Experian, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Product: Student loan

School loan payment pause ; though in effect, interest rates were still applied along with late fees.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX, Shellpoint Mortgage Servicing fraudulently charged me for lenders Placed insurance. I always was insured and provided all documentation when prompted. 

They failed to receive and properly note my account. I talked with agents to no avail. Then they continued to charge me without any notice they were surreptitiously deducting funds from my escrow account, In addition, This company has poor communication ability, their message app fails to work every time a message is sent I never get it. 

They have setup their system to fail the customer, and reaching them is very difficult. 

Shellpoint has structured their company to avoid helping me, its customer and hide how they are illegally stealing my money from my escrow accounts,
Product: Checking or savings account

Goldman Sachs Bank XXXX XXXX failed to follow my instructions to close a XXXX account and transfer the balance to my linked external account. My XXXX  account reached maturity on XX/XX/2023. I called on XX/XX/2023 and gave instructions to close it at maturity and transfer the balance to my linked account at XXXX XXXX XXXX  ( XXXX ). The rep went over the details and asked me to verbally authorize. I did. 
On XX/XX/XXXX, XXXX days after the transfer ought to have occurredI discovered the funds were not in my XXXX account. I contacted XXXX and was bounced around by reps and specialists for more than two hours. 
When the last rep said she would submit my case for review which would take one to three days, I asked for a supervisor. The supervisor, XXXX, said the issue was something to do with verification of my XXXX account. That made no sense. I have statements from XXXX that prove my account at XXXX was verified months before ; and, when I gave instructions to close a CD account that matured XX/XX/2023, the funds transferred to my TSB account without a hitch. 
I suggested that the supervisor look at the XX/XX/2023 closing and transfer to XXXX as well as the verification that preceded it ( XX/XX/2023 ). I had no dealings with XXXX between that time and my XX/XX/2023 call to close the XXXX maturing XX/XX/XXXX so there was no reason or occasion for anything to change. The supervisor offered no explanation as to what went wrong. She expedited the XXXX closing and the funds appeared in my XXXX account XXXX XXXX days after they should have. 
XXXX submitting this complaint in the hope that the CFPB will take action to protect others from similar mistreatment. Consumers should not have to fight for what is rightfully and legally theirs. Had I not put myself through customer service XXXX, XXXX would still have my money.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries to be pulled from my credit report and I want them to be removed. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out 30 days ago to transunion certified mail because they are reporting inaccurate information on an account. I feel like these jerks are taking advantage of regular people like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various charges to my credit cards and access to my bank account was given to someone. XXXX is were cashed and signed fake signature and a line of credit was issued. The bank denied my claim and stated that I was a participant in the fraud and is holding me accountable for the damages and the debt.
Product: Checking or savings account

A fraudulent check for was written against my account in the amount of {$1900.00} on XX/XX/XXXX via a mobile deposit. on XX/XX/XXXX I called the number required per the online notification. When I did so, I immediately stated that I did not write a check against my account, this is fraudulent and i wanted to file a complaint and a charge dispute, ( check tracer on this check ) I was told that was not an option, they can no longer discuss my account with me. I also told them I would be filing a police report. The representatives in the fraud unit either disconnected the call, did not call me at all. I also contacted the XXXX and XXXX branch and no answer after trying for over 4 hours. I am now looking to get help in filing a complaint towards Wells Fargo in not assisting me with my complaint and refusing to assist me. 
Wells Fargo should respond by locating supporting documentation for questionable transactions. Per current regulations, banks take between 30 and 90 days to evaluate, respond, and resolve problematic transactions. In some instances, law enforcement might be informed depending on the fraud and identity theft level. I wasn't given any option even after calling 8x and stopping in Branch today. XX/XX/XXXX Located in : XXXX XXXX Wells Fargo Address : XXXX XXXX, XXXX, IL XXXX I was informed to go home, i was denied a copy of the check, denied the right to file a transaction fraud dispute and denied a current status of my account. That i have no recourse and that my account would be closed in 9 days on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

It has been over 30 days In regards to providing the proof of my original wet signature proof that I owe this debt. I have asked for proof and if it can not be produced then I have requested to remove this debt off all credit bureaus the company is reporting too.
Product: Debt collection

On XX/XX/XXXX the following company Consumer Adj Co claims that I opened an account with their establishment owing the sum of {$280.00} currently. As of XX/XX/2023, the company continues to claim that I owe, as shown on my credit report. The following company Consumer Adju Colisted fraudulent claims of debts owed on my credit report, which are heinous, inaccurate, and false. This company has not provided any legal or binding contractual information showing that I entered into an agreement to pay the funds they claim I owe. According to the Fair Credit Reporting Act, this creditor is legally bound to provide accurate information. They are violating this legal ramification as I have no knowledge of this account, nor have I entered into any agreement with this company. I demand this be removed immediately. This company should also provide proof of the original contractual obligation, containing a copy of my physical signature of this agreement.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Checking or savings account

On XX/XX/23 I placed an order through Afterpay for some items from XXXX. After pay breaks your payments down into 4 payments 1st the deposit with comes out immediately then 3 additional payments. The problem is all the items were not paid for, therefore I am unable to receive them. I have been trying to contact Afterpay for days with no success. I have also contacted XXXX several times who said its nothing they can do, and they dont have a contact number for Afterpay either. Why is such a company in existence thats not mandated to communicate with vendors, and customers yet they are allowed to withdraw funds out of your account thats not owed?
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Equifax as of this date, XXXX17.
Product: Credit reporting or other personal consumer reports

So i would like to say that American car center sold my debt to westlake portfolio with out my permission or signature and they are violating law Fcra section 605B i asked them for original contract with my signature, a copy of my payment history, address of original creditor, and proof of collection authorization And my contract states on on line 39 MODIFICATION : Any changes in this lease will be in writing and signed by you and the assignee I didnt sign anything
Product: Student loan

My loans are supposed to been discharge and the debt is not supposed to be om my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX : {$210.00}
Product: Money transfer, virtual currency, or money service

Hello, I have a cold storage wallet on XXXX, and believe they are using my money without my permission, because i initiated a withdrawal on XX/XX/XXXX and still haven`t received the money. The wallet is in my name and it is not supposed to be used to satisfy secured creditors if bankruptcy comes.
Product: Credit card

Apple charge card for {$5.00} late fee. Tried just paying it. Turns out my last payment was a XXXX short somehow ( I think this was incorrect ). Tried to pay it for 45 minutes both phone and online couldnt get a representative. That is sister fee anyway. The company if horrible to deal with. They just put you on hold and leave you hanging both by text and phone.
Product: Credit reporting

I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.
Product: Mortgage

The loan was orginated by XXXX XXXX  in XX/XX/2020. 
Principal balance was : XXXX at 3.125 % 30 years fixed loan. 

We have been paying monthly principal+ interest, with additional principal balance of $ XXXX/month. 

We have never been late nor missed the payment. 
The recent statement from Freedom Mortgage reflect different remaining blance. 
I requested the explation, no one reached me in writing to explain what happened. 

This company is really ridiculous ignoring my request and failed to explain why my loan balance is higher than it should be by now. 

Need detailed written explanation why balance is higher that what it should be. 
Who took my money and applied these fund to where.
Product: Credit reporting or other personal consumer reports

I did not authorize the following companies to run my personal credit. AMEX, XX/XX/year>. AMEX,XXXX XXXX XXXX, XX/XX/year>. XXXX XXXX. 
I did not authorize the companies to run my credit on dates listed above this is fraud. I want these inquiries to be removed because they are fraud.