23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the FDIC to follow up with you. I left a message with XXXX XXXX at FDIC regarding help with getting positive credit report updates. 
I think XXXX ( a manager at XXXX XXXX ) may have called me on on around XX/XX/19 regarding a settlement for around {$340.00}. 
On XX/XX/19, XXXX XXXX ( not sure of spelling ), helped me set up a settlement payment arrangement for {$25.00} on XX/XX/19 and the rest of it to come out ... possibly XXXX on XX/XX/19. 
I believe I contacted Windy City Capital on XX/XX/19. They may work with XXXX XXXX, but did not have my account information. Therefore, they would not be able to update my XXXX status to paid on my credit report. 
Again, I am waiting to call back XXXX after today to see if they are willing to forgive this debt and just leave my XXXX   status as charged off if they are unable to update it to paid.
Product: Credit card or prepaid card

Citbank issued me a credit card with a 24.24 % interested rate. I have a XXXX credit score with a debt ratio of like 35 %. I have not missed a payment in over 7 years. I said something to them and they slightly lowered it to just under 20 %. Question, why wasn't this rate to start with them. Seems to me if you want a customer you'd give them the best rate to start with to build trust. I have already put a complaint in asking an exact explanation of why this happened. I am going to keep putting in complaints about them every few weeks until I get an answer as to why my rate was originally set to their max rate when I have a XXXX credit score. I am saying this is predatory lending practice. I believe this happens to a lot of others who don't understand credit scores and what they're eligible for. I want an exact reason in writing why I received 24.24 % rate then lowered only after I complained to a manager. Their low rare is 14.24 % which is where i should be.
Product: Checking or savings account

I had a PNC account open for years and then switched to XXXX. I left some money in my PNC, like {$300.00}, which PNC started charging account maintenance fees against because I didn't meet the monthly minimum for their account type. 

I stopped using the account in 2021 and left it open just in case. I had called them and told them I'm just leaving it open for access. 

I previously called and thought I had a {$0.00} balanced. I moved to XXXX for work, and my parents addressed received a letter that PNC sent me to debt collections for {$33.00} dollars. I never had someone reach out via email or text where I could be notified and why they let me go below {$0.00}.
Product: Checking or savings account

Because the coronavirus has not worked for three weeks and has no desire to spend, I did not check the balance of the bank account. I accidentally found that the bank fined {$34.00} for an overdraft of {$8.00} again. I am very angry. The government departments have already said To postpone collection of these fees during this difficult period. But the banks still do so. This is against humanitarianism and illegal. Please exercise strict supervision on the banks and return the fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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
Product: Debt collection

I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to Experian in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
Experian has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX  XXXX XXXX  XXXX Inquiries XXXX XXXXXXXX  XX/XX/year> Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Personal Information XXXX : XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A handful of accounts showing up on my credit report that are not mine on Wells Fargo XXXX score and XXXX. 
XXXX credit card with {$700.00} balance XXXXXXXX XXXX XXXXXXXX card with {$0.00} balance XXXX car loan {$23000.00} balance XXXX XXXXXXXX XXXX  {$9600.00} balance XXXX student loan {$61000.00} balance XXXX XXXX {$260000.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian emailed me- the subject line said XXXX, confirm your XXXX XXXX XXXX. I dont have a XXXX XXXX XXXX 

Experian used my auto-loan information to fear monger me into utilizing their services or refinancing. 

Upon opening the email, it makes you sign in, after signing in it shows multiple vehicles and tells you to pick yours. After, it tries to get you to refinance through them. 

This is blatant fear-mongering in an attempt to get money from consumers. It leads people to believe someone has fraudulently opened up a car loan and stolen their identity.
Product: Debt collection

I am writing to inform you that I have been a victim of identity theft, and as a result, my credit report has been affected. I have previously notified the company of this issue and requested that the fraudulent information be removed from my credit report. However, it has come to my attention that the information is still present on my report. 

I have already taken steps to address this matter, and it has been reported to the relevant authorities. I have also provided your company with all the necessary documentation to prove that the information is fraudulent. 

I urge you to take immediate action to remove the fraudulent reporting from my credit report. Failure to do so will result in legal action against your company for negligence and non-compliance with the Fair Credit Reporting Act. 

I request that you confirm in writing that you have removed the fraudulent reporting from my credit report within 10 days of receiving this letter. If I do not receive your response by this date, I will assume that you are unwilling or unable to comply with my request, and I will proceed with legal action. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Early Warning Services LLC, a consumer letter, which template is found online, requesting that the company place a security freeze and permanent opt-out on my account on XX/XX/2022. On XX/XX/2022, the company sent a response stating that it was exempted from both placing a security freeze and opting me out of their sharing of my consumer report in their offices as they claimed that the company does not offer direct to consumer products that may be opted out. The correspondence, which included two letters, used the Fair Credit Reporting Act Section 603 ( x ) to justify supposed exemption from placing the requested freeze and opt out. In response to the letters, I immediately called the company on the same day and attempted in vain to have the company place the security freeze and permanent out-out. I spoke with two male representatives, XXXX and XXXX, and both were adamant in the position and specifically stated that the company was content in its decision to not allow me to engage in my right to have a security freeze or opt-out. On XX/XX/2022, Early Warning Services LLC, sent to me a consumer report and the report included several pages regarding consumer rights and FCRA. The 15-page document on page 12 has a header that states verbatim " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE '' and under said header it goes into minor particulars of how consumers have a right to place a security freeze and sue any violator. On the same page before the section dealing with the security freeze there is a bullet point stating that I as consumer have the right to limit prescreened offers of credit and insurance. It baffles me to no end that Early Warning would send a consumer report detailing to me that I have the right to both place a security freeze and permanently opt-out of prescreened offers and yet also send to me correspondence detailing to me that it is exempt from such requirements. I did take the liberty to call the CFPB prior to this online complaint and was informed by the agent that she had no documentation on any such exemption of any CRA from adhering to the FCRA reporting requirements. And on the contrary, in my own research, I can find no such exemption for any CRA to not allow a consumer to engage in his right and place a security freeze or opt-out of the said CRA 's sharing of consumer information without the consumer 's express consent. And my research details that many other consumers have also had issues with Early Warning not placing security freezes or calling in to the company and having the agents tell them that Early Warning is exempt from placing such freezes because it is a specialty agency. I have researched the laws and the section that Early Warning likes to weaponize against consumers does not offer any type of exemption to any CRA to place security freezes or allow consumers to opt-out of the sharing of the consumer data. It does define specialty agencies but that's it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm writing to discuss a problem I found on my credit report. It says I was late with two payments on an account XX/XX/year> and XX/XX/year>, but that's not true. I always paid on time. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Product: Debt or credit management

This was years ago I did about 6 or 7 months on this service and didnt get anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on multiple occasions since XXXX, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws which governs them for financial gain from these false reports. I will also have a complaint file with my State Attorney General.
Product: Mortgage

Hello, I refinance my mortgage w Home Point Financial Corporation ( HPFC ) in XXXX. I have been paying my mortgage money where paymnt is electronically taken from my back account w XXXX XXXX XXXX XXXX. 

XXXX stated that I did not pay my XXXX 's mortgage. It was reported to the credit agencies and I've been notified that my credit score has dropped over 100 points. We are now nearing the end of XXXX and HPFC has yet to find where my payment went. Countless phone calls and emails w proof of drafted transactions from my online bank statements, and fax of proof from my bank to HPFC all proved useless.

HPFC 's response is, " please give us 30 to 90 days ''. I can not wait 30 to 90 days for I am in the process of searching and buying a second home and has been affected greatly.

Even after I sent them everything I have, including my bank faxing them, HPFC is still emailing me asking for me to provide my check # etc. I TOLD them ut was electronically drafted from my bank acct. My bank and I sent them proof. I question tbe competency of this company and find myself stressing unnecessarily due to the companies neglect. 

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

Sage Stream is reporting adverse information of fraudulent accounts and credit inquiries on my consumer report. All the credit inquiries and fraudulent accounts listed on my consumer report is fraudulent and unauthorized. The credit inquiries or accounts are not my credit inquiries or accounts. There shouldnt be any adverse information of accounts or credit inquiries listed on my consumer report. I am a victim of identity theft.
Product: Debt collection

Last year I disputed an alleged account from XXXX for {$710.00}. This account wasn't mine and after debt validation and countless disputes, it was proven the account was not mine. Company didn't have proper documentation to tie me to the debt. As a result, the account was deleted from my credit report and I have the proof.
Product: Checking or savings account

in re : # XXXX Dear Wells Fargo, Your response is not sufficient, and I can not accept it. 
At this time, I am requesting to exercise my rights to dispute resolution by binding-arbitration, as stated in the 'Deposit Account Agreement ( s ) ' that were effective when I was a consumer. 
Please provide me with WF 's complete mailing address, legal email address, and fax number so I can begin the arbitration process with the XXXX XXXX XXXX. Failure to do so will be regarded as a breach of the terms which were mutually assented to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  # XXXX Original creditor : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am currently  one  month behind on our mortgage payment and working hard to get it back up to date.  WestStar  Mortgage  Company  has been contacting my relatives stating they are calling regarding an active loan in my name and they need to locate me. No one needs to know anything about my loan  (  even that said loan exists ) except me and anyone who I legally state can be given information on the record. I have done no such thing, and now that others are aware that I have a loan with  WestStar I fe el my rights have been violated.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC XXXXg, please delete them within 15 days. I have included the necessary supporting documentation.
Product: Debt collection

in XX/XX/XXXX i wrote to all three credit burueas and explained that national credit systems was responsible to report 100 % accuatre information to the credit aggancys and the did not so XXXX removed it XXXX  and XXXX   have not so i sent and email to XXXX XXXX XXXX to see if they would remove the inaccurate amount i was told they had 30 days but it is well over the 30 days account number XXXX and i did not have a written contract with this company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I refinanced ( closed ) my VA home loan on XXXX XXXX, 2015 with XXXX in good standing. XXXX became my new lien holder and funds were wired to XXXX on XXXX XXXX, 2015 from XXXX to XXXX. XXXX sent payoff to Nationstar Mortgage on XXXX XXXX, 2015 but transferred loan servicing to XXXX. I paid my XXXX bill to XXXX and then started receiving notices from Nationstar that my loan was past due. I 've attempted to contact all parties involved without success. My last request on the phone and written was to Nationstar asking them if payment has been applied to the loan and/or my unapplied balance - the answer is no. Neither has been responsive in the past 10 business days to my request. Since then I continue to receive threatening phone calls from Nationstar as well as foreclosure notices. Nationstar is also holding my escrow account which needs to be refunded to me. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a delinquent account that has now shown up on both by XXXX  report and Experian Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX  and Experian and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.