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

I am writing to formally address ongoing errors and unresolved concerns regarding my consumer report managed by XXXX. These issues have caused significant inconvenience and have yet to be resolved despite my efforts to seek clarification and corrections. 

Unverified Information : The information reported on my consumer report, particularly regarding [ specific item or account details if known ], remains inaccurate and unverified. No written explanation or documentation has been provided by XXXX to justify the inclusion of this information. 
Failure to Obtain Consent : I have identified instances where inquiries and reporting activities were conducted without my explicit written or verbal consent. This raises serious concerns about the compliance of these actions with legal and regulatory standards. 
Lingering Inaccuracies : Despite previous attempts to dispute these inaccuracies, the errors continue to affect my consumer report and, consequently, my financial reputation. I have yet to receive confirmation of investigations or any written correspondence outlining the status of these disputes. 
Given these concerns, I request the following actions : Immediate investigation into the inaccuracies on my consumer report. 
Written explanations for all items in question, including evidence of verification processes. 
Removal of all unverified or unauthorized entries. 
Confirmation that XXXX has taken corrective measures to prevent such occurrences in the future. 
Please treat this matter with urgency, as these issues are adversely impacting my ability to access financial services. I expect a written response within 30 days as mandated by federal law. 

Thank you for addressing this matter promptly. I look forward to your swift resolution and detailed response. 

without prejudices by XXXX XXXX on XXXX of XXXX XXXX
Product: Student loan

I have repeatedly called and officially requested a XXXX  payment statement of my student loans to Mohela. Each time they tell me 2-3 weeks via mail though nothing ever arrives and when I call back they say there is nothing on my account saying I requested the statement. Because of this I havent been able to get payment reimbursed from my employer. 

On XX/XX/year> I called Mohela to change my repayment plan from SAVE to Ext Fixed Repayment Plan. The customer service rep put me through the application process and I was approved. On XX/XX/year> I received a letter from Mohela saying my acct was being put in administrative forbearance. On XX/XX/year> I received another letter about administrative forbearance ending in 45 days. I did not ask for any forbearance. On XX/XX/year> I received a letter stating my new payment plan and that I am again in the SAVE program. I applied for and was approved to be in the Ext Fixed Plan. Obviously this is not being done. 

Please assist me in these matters.
Product: Checking or savings account

Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time now Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} XXXX XXXX I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings. 

Transactions : That $ XXXX was deducted from my payroll deposit on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hereby notify you that I am a victim of identity theft and wish to dispute certain items in my file stemming from this crime. The disputed items are not associated with any transactions for which I have provided authorization or obtained goods, services, or money. I request the removal of any reported items in my credit file attributed to alleged identity theft. These items are unfamiliar to me, and I question their accuracy, especially considering their deletion from other bureaus. Moreover, the reported payment history on these items is inexplicable to me. Per FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, the following items are subject to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following items are listed as inquries from XXXX, but both customer support at XXXX and Experian can not validate them. It seems to be from identity theft. All the credit agencies said XXXX needs to send a removal request, but they refuse to do it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collection company has continuously sent letters to my home to collect a debt that they have yet to prove it belongs to me. I have responded to every letter they have sent me requesting a copy of the contract showing that I actually owe the debt. They have only provided copies of credit card statements and no contract. This has started since XX/XX/XXXX, I have been summon to court on XX/XX/XXXX which is very frustrating because I have to take time off of work for a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a account paid in full letter and emails to and from XXXX XXXX XXXX  where there was an issue with the company that still wanted additional fees- this issue was resolved in 2017 and now for some odd reason its showing as a negative on my credit report. And nothing has been resolved. Please help thank you i have worked very hard on my credit.
Product: Debt collection

I have received multiple debt collection calls from the company " Sun Loan '' in XXXX XXXX, Texas. The company is calling to contact me about my sibling, who owes a debt that I have no knowledge of. I don't know what it's for, how much is owed, or why the company is calling me. I have not lived in Texas for close to ten years, as I am in the military. I have personally spoken with a female employee at the company twice, and asked to not be contacted anymore, as I'm not in close contact with the sibling. The employee was polite during all contact with me, but did not respect my request to not be contacted further. I blocked the number after they continued to call me. Today I saw that I could view calls from blocked numbers, and found that they have continued to contact me on nearly a weekly basis about this debt. I am worried that they will just start calling from another number once I haven't responded for a while.
Product: Debt collection

Dear WellsFargo and XXXX XXXX ; Listen, you were required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is  your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following laws have been violated by XXXX : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1684 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

To whom it may concern, I have been a mortgage holder with " Shellpoint '' mortgage servicing a company of " Newrez '' for over a year now. 
I have my payments scheduled on auto pay since the beginning of my loan with them through my bank XXXX XXXX. All was well until XXXX for 2022, from my understanding " newrez/shellpoint '' changed their financial institution or their banking and since XXXX of 2022 i have been assessed a late fee on all my payments. Late fees range from $ XXXX $ XXXX a month since XXXX of 2022. 
I contacted Shellpoint about it, they claimed their XXXX XXXX XXXX payment was changed and a noticed was sent out to all mortgage holders about it ( i never received one, i get paper statements ). 
I went ahead and updated the XXXX XXXX XXXX on my bank. But still, nothing changed, i am still being accessed a late fee every month since then. 
Payments are due XXXX of each month, grace period is until the XXXX of each month for mortgages. After the XXXX of the month there will be a late fee, which i understand. 
My auto pay is scheduled XXXX of every month, but for some reason " Shellpoint '' is receiving my payments after the grace period. XXXX XXXX reps told my shell point is not doing electronic payments anymore, so they send paper check through regular mail. 
Considering extenuating circumstances at worst case, mail would not take more than 11 days to reach the mortgage company especially considering postal workers are working 7 days a week. 
I have contacted both institutions about this, " shellpoint '' says there is nothing they can do and " wells fargo '' has open tickets for it. Nothing has been resolved by either party. 
There is a deceptive act happening on XXXX or the other side.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX XXXX  I went to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, they told me I was pre-approved for their Ultamate Rewards Mastercard Credit Card, I agreed to apply for this because they would give me 20 % discount on my purchase that day and because I could use it to make purchases outside the store, this week I received the credit card and it is their other credit card called Ultamate Rewards Credit Card, this card can be used on that store only, I would have never agreed to a only store credit card, cashier named XXXX lied to me to get me into apply, she assured me it was the Mastercard I was pre-approved not the other one. I call to customer service so they can fix it, they just say there's nothing to do, if I want the other card then I have to apply, and I am not applying again for the same card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

On XX/XX/2020 I sent Southern Credit Recovery, INC an Affidavit of Truth regarding an alleged debt from a hospital bill
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.0XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting to Equifax a collection in the amount of {$12000.00}. Please see XXXX XXXX partial account number XXXX. ( This line item is listed on Page 14 of the attached credit report. ) I moved out of the student housing when I graduated from school. My lease ended in XX/XX/2016. I had financial aid while I was attending school and the monthly apartment expenses were covered by FAFSA ( Federal Student Aid ). There should be no outstanding debt on the apartment. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : XXXX XXXX XXXX XXXX Balance : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compliant against XXXX failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

$ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}