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

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( XXXX XXXX : XXXX XXXX XXXX ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted XXXX XXXX XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have attached a preponderance of information that shows I'm not responsible for this account. XXXXXXXX XXXX has been my primary residence since XX/XX/2021. Someone have used my information in the past as a result of identify theft. )
Product: Credit card or prepaid card

Middle class tax refund card was stolen in the mail. Requested replacement. Replacement was sent. Set it up, and noticed that balance was only XXXX . Clearly the money was stolen. Unable to contact company. Company does not have an adequate fraud line. Attempted to call over 10 times. There is no customer service agents who answer.
Product: Mortgage

I own a home in NJ. Claim # XXXX ( XXXX XXXX XXXX, XXXX NJ ). My house sustained a house fire on XX/XX/2021. My insurance proceeds were sent to Fay Servicing to hold in escrow. Fay released 1 initial payment for {$26000.00}. After the funds were used and the initial demo was complete, I requested an inspection. A 3rd party inspector came to the house to take pictures and conduct a walk through. 2-3 Days later, I verified via XXXX  that my inspection failed. I contacted Fay to verify why I failed. I Could not get an answer from the representative I spoke to. No explanation as to why I failed or what additional repairs need to be done in order to pass the inspection and recieve additional funds. A few weeks pass no money, no explanation letter etc. I invested XXXX of my own money to pay for the installation of new windows, doors, wood work on the exterior of the house, permitting and engineering plans. I then contacted Fay again to have another inspection once that work was complete. The inspector came out to take photos and completed a walk through. 2-3 days later, I verified via XXXX that I failed the inspection for the 2nd time after investing my own money into the property. I again contacted Fay Servicing to verify why I failed the inspection. I was informed that there were required documents that were not submitted online. I then informed the representative that those documents were submitted in XXXX. The representative located the documents and also informed that my account will be escalated to the main office requesting additional funds which will take 5 days to complete. I have been calling every day since my account was escalated, no answer, still pending. We are on day 8 now with no answer as to why I have not received additional funds. Fay claims they have tried to call me but my phone is busy. Cell phones are never busy, they route to voicemail when on the phone. I have my phone in my pocket at all times, I never miss calls. NOT 1 TIME HAVE I RECEIVED a call from them. They are having an issue with their outbound calling. I was previously informed by one of the call center representatives that 50 percent of repairs need to be done in order pass the inspection. I am not sure how 50 percent of repairs can be done with {$26000.00}. Meanwhile, I contacted Fay Servicing approx 30 times with no explanation as to why funds arent being released. In addition, I've requested to speak to a supervisor 3x but yet to receive a returned call from them. Every month I am making a {$2300.00} mortgage payment for a house that is sitting vacant for 1 year now and Fay Servicing is witholding my repair funds. I have been asking for additional funds since XXXX. It is now XXXX, no answer, no funds, no nothing.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I have written to this company to ask for an investigation. There has been no response in 60 days. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.
Product: Debt collection

Its been over 15 years come on now, and really dont know anything about this account do not owe them, take me off the credit report its crazy and sick
Product: Credit card

I pulled a payoff statement on line for my XXXX Credit card from Comenity Bank. I submitted the full amount to pay off my credit card. Over the next three months I continued to be charged interest on XXXX balance. When I called they said it should stop soon stop and offered no explanation, now to add insult to injury, they have added a late fee.
Product: Student loan

I acquired a copy of my credit report on XX/XX/2018 from all three of the major credit bureaus and was shocked to see several student loans on my report. These loans do not belong to me. I sent a dispute letter to the three major credit bureaus in XX/XX/2018. Several of the accounts were removed but there are still several that remain. I sent a discovery letter to the company that is holding the accounts, Navient on XX/XX/2018 asking for a copy of any promissory note that I had signed that linked me to these debts. On XX/XX/2018 I received a reply in the mail and on the cover page is a statement that reads " We've enclosed a copy of the documents you recently requested ''. Behind the cover letter was a thick set loan papers ( signed applications, consolidation application and promissory notes ) > OTHER PERSON! A man whom I have never met, in a state I have never been to and to a school I have never attended. Set aside that Navient has reported someones else 's debt on my account, they sent me someone else 's name, address, social security number and other personal information. There is far too much identity theft in this world and to aid in that is just unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have a collection for XXXX XXXX XXXX for {$4100.00} However I had no acknowledgment of this transaction neither did I authorize it making this fraudulent. This is impacting me significantly, I would like for you all to investigate and to look into this matter thank you
Product: Checking or savings account

Original Filing : Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Respondent : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed a complaint against Wells Fargo regarding bank fraud/identity theft from my sister, XXXX XXXX Wells Fargo account XXXX Wells Fargo denied the claim, stating that their organization would not reimburse funds stolen from XXXX account past the 90 day mark from which the funds started to initially disappear from her balance. This was based on the Wells Fargo policy page XXXX for unauthorized transactions according to Regulation E section. Notify the bank if you believe your card, card number, PIN, or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. If you do not notify us within 60 days after the statement was mailed or was otherwise made available to you, you will be liable for any additional unauthorized transactions that occurred after the 60-day period and before you provided notice to us. First and foremost, my sister developed XXXX after a XXXX XXXXXXXX approximately 8 months before her death. She lived independently in a XXXX  XXXX  so her decline was not easily recognized and as per her wishes, her family was not notified. My sister was fiercely independent and did not want to become a burden to any of her loved ones. The theft was not recognized until XX/XX/XXXX, as it took several months for me as her POA to receive the bank statements after her passing on XX/XX/XXXX. Second, after filing a report about the theft with the XXXX Police Department in XXXX, Oregon, the detective working on the case received information from Wells Fargo investigators that the individual who gained access to XXXX account was an employee of Wells Fargo, XXXX XXXX. This employee gained access to my sisters personal financial information when she called the Wells Fargo banking line on XX/XX/XXXX. XXXX XXXX then began purchasing items ( automobile ), paying utility bills, transferring large sums of cash to credit cards and XXXX transactions in XXXX of XXXX. Even after closing out the originally accessed account when the fraud was recognized in XXXX of XXXX and opening up a new checking/savings as directed to do by Wells Fargo XXXX funds continued to be deducted deducted from new, supposedly safe account by this individual.
Product: Debt collection

I reached out IC Systems and XXXX XXXX about a debt that I have no knowledge of. After checking my credit report on XX/XX/2021. I seen the account was opened on XX/XX/2021. The amount is of {$710.00}
Product: Debt collection

I leased a sectional and kitchen table with this company in XX/XX/2020. I was told by the manager at the furniture warehouse that I had 6 months to pay the furniture off same as cash with out interest. 

I called XXXX XXXX XXXX today, XX/XX/2020, to pay off the remaining balance on my account of approximately {$1000.00}. I was told that I owe {$3400.00} instead of {$1000.00} because my pay off period of 90 days ended in XXXX. 

This information is directly inconsistent from what I was told when I made my purchase and the representatives of the company engaged in false and misleading practices to acquire my business. 

I entered into this contract under false pretenses and I would like to rescind the contract or pay off the amount I actually owe, which is {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of many consumers whose personal information was exposed to illegal hacking of Equifax 's data. Equifax needs to be held accountable by the CFPB and provide consumers long-term protection for abuse of consumers ' personal information and credit. Equifax officers need to be prosecuted and fined for the delay of public disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Consumer adjustment placed a collection on my credit report for a XXXX XXXX XXXX. I have no knowledge of this debt and have disputed and requested validation which they have not provided. XXXX and XXXX also have not investigated this when I disputed it and report it accurate 1 day later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act. ( XXXX XXXX ) Account Number XXXX creditor have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B Section States a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.
Product: Debt collection

1 ) first call where I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) second call after I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) third call after I requested no contact XX/XX/XXXX XXXX XXXX  XXXX ) fourth call after I requested no contact XX/XX/XXXX XXXX XXXX XXXX ) fifth call after I requested no contact XX/XX/XXXX XXXXXXXX XXXX XXXX ) sixth call after I requested no contact XX/XX/XXXX XXXX XXXX  XXXX ) seventh call after I requested no contact XX/XX/XXXX XXXXXXXX XXXX This is fully harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info and delete the accounts violating the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I SEND SOME CERTIFIED MAIL TO EXPERIAN ON THE DAY IN QUESTION ABOUT. ACCOUNT NUMBER # XXXX XXXX XXXX XXXX  EXPERAIN DIDN T REPLY TO MY LETTER UNTIL XX/XX/XXXX I NEED THESE WRONG ACCOUNT DELETE PLEASE XXXX XXXX ACCOUNT NUMBER # XXXX THE XXXX XXXX XXXX   ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX WRONG DATA ON CREDIT FILE WHY I SAY THAT IS BECAUSE THERE WAS KNOW DATA GIVEN OR PROVIDE BY EXPERIAN XX/XX/XXXX ABOUT THE ACCOUNT ABOVE. 

I JUST NEED THESE ACCOUNT REMOVED ( DELETED ) SINCE EXPERIAN TOLD ME IN BLACK AND WHITE AND IN COLOR THEY DON T HAVE ANY DATA OF THESE ACCOUNT ON MY CREDIT FILE!!!!!!!!!!! 

I WILL SEND YOU PHOTO COPIES OF EXPERIAN COPY AND PASTE REPORT WHEN THAT CANT GET THE DATA FURNISHER TO REPONE. 

XXXX XXXX XXXX ON XX/XX/XXXX NO DATA WAS GIVEN TO EXPERIAN AT ALL AND I NEVER GOT A REPORT AT ALL FIRST CRIME SECOND ONE IS COPYING AND PASTE INFORMATION OLD REPORT AND REPLACE THEM WITH NEW REPORT NUMBER HAVE HE SAME INFORMATION LIKE THE LAST ONES .. 

THESE ACCOUNT ARE NOT MINES PLEASE DELETE ALL ACCOUNT THAT ARE IN THIS LETTER PLEASE AND FIX MY CEDIT SCORE BACK TO A XXXX LIKE IT SUPPOSE TO BE THANKS U HAVE A AWESOME DAY..
Product: Credit reporting

I had an account with XXXX XXXX. When I moved, I took the rented equipment with me. The supervisor advised me to use it with my new account. The representative removed any new equipment off my order since I already had it. I received a bill saying I owed XXXX for unreturned modem. I called and explained. They said they would fix it. I kept receiving bills and kept calling. I finally just cancelled the service and returned the modem. I explained why I was cancelling. They sent me a postage paid box and I used it to return the modem. They are still charging me but I gave up calling months ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This Information is Incorrect. I never had late payments 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
Product: Credit reporting

Dear Sir or Madam, I disputed several negative items, several incorrect names and addresses, inaccurate bankruptcy data all of which are on my credit report and have cost my husband and I XXXX dollars in high insurance premiums and interest rates on loans and my husband is an XXXX Veteran with a VA loan and this inaccurate data is not allowing us to refinance or open a savings account for our child 's education. We have tried to call Experian but ca n't reach anyone, it 's all automated. I filed disputes and provided supporting documentation but the only result they gave me was to remove an inaccurate telephone number. Experian never deleted anything after I proved that certain items were not mine or did not belong to me. Negative information remains and so does the above mentioned items. Nothing has been corrected or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time for the past year, when I applied for credit for car loans, credit cards, leasing for housing, and companies that use Equifax consumer reporting agency I been denied access to credit. Equifax is using unfair bias practices tactics on how they report minorities ' FICO score - credit score. I applied for a loan with XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, Ga XXXX, on XXXX XX/XX/2021. I was denied credit because the Equifax score reporting system is biased it reported my credit score is XXXX. That's inaccurate. My score should be higher. For years Equifax has been reporting low scoring for minorities affecting their livelihood and unable to obtain the American dream. 

Please probe Equifax credit scoring systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started with XXXX XXXX, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : XXXX XXXX Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX, Capital One showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}
Product: Debt collection

XXXX opened up an account for someone and used my name and address to commit fraud against me. 

The account was closed and sent to a collection agency that illegal found my social security number and linked a bad debt account to my personal history.
Product: Payday loan, title loan, or personal loan

got a call from lendingpoint they promise to get me a loan XXXX.upon checking my credit they said that i was approuved, later they ask for my XXXX XXXX XXXXXXXX password . then they ask for my XXXX statement. everything was submitted. never got this loan they used unfair and discriminatory practices, collecting password, doing hard inquiry, pulling credit report and so on ...
Product: Mortgage

I obtained a mortgage from Homestar Financial Corp. for {$60000.00} at 3.5 % interest rate. The loan number was XXXX. I made my first payment of {$31000.00} to pay off part of the mortgage on XXXX/XXXX/2016 to Homestar. 

They cashed the check on XXXX/XXXX/2016 and applied only {$660.00} toward the mortgage and then sold the mortgage to XXXX ( account number XXXX ). The balance transferred to XXXX was {$59000.00}. This balance clearly failed to reduce the amount by the additional {$30000.00} they had cashed on XXXX/XXXX/2016. 

After I received the XXXX statement in XXXX and saw that clearly that the bulk of the XXXX payment had not been applied to the mortgage balance transferred to XXXX. I called Homestar and they always transferred me to " XXXX ''. 

XXXX never answered her phone and XXXX or XXXX messages went unanswered. Finally, I told the operator at Homestar that I needed to speak with someone other than XXXX. I spoke with XXXX XXXX and she was helpful in getting us answers even though it was not her Dept. Shortly afterwards we received a called from XXXX at Homestar who did n't know what happened. She finally tracked it down and and called back and told us that she had not known " what to do with the rest of the XXXX after subtracting the XXXX XXXX payment ''. This was now XXXX. She said she would mail it over to XXXX. The additional {$30000.00} ( the remainder from the {$31000.00} we sent on XXXX XXXX ) finally did arrive at XXXX and posted on XXXX XXXX. 

The issue is this. XXXX feels like Homestar did nothing wrong. I pointed out to her that from XXXX XXXX to XXXX XXXX I had to pay 3.5 % interest on the XXXX that I should n't have had to and asked to be compensated. XXXX insisted Homestar did nothing wrong. I then called XXXX XXXX at Homestar and asked that someone from Homestar besides XXXX contact me to discuss this issue. That was on XXXX. As of today, XXXX XXXX, no one from Homestar has contacted me to address this issue. Their lack of reasonable response has forced me file a complaint.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. GM FINANCIAL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

I have never banked with this institution before, but they are nonetheless reporting early warnings about me. As a victim of identity theft, I suspect that this may be the root cause of the issue. Despite furnishing the necessary documentation to rectify the situation, the bank is still unwilling to remove this information from my consumer report. Therefore, I will be compelled to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.