23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX Phone : XXXX Placed a collection on my credit reports from a debt of {$3600.00} that is not mine and is due to identity theft. I have had a credit lock on my account and reported identity theft so I am not sure how someone managed to take a loan out in my name from crest financial. The original debt is from : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Debt collection

portfolio recovery calls me every single day while I'm working as well as after, tried disputing with them and stated it was harassment, still continuing to call repeatedly. they even called my parents trying to reach me, they were never listed on the credit card that they purchased the collection account of.
Product: Checking or savings account

I closed a self-directed Merrill Edge account that has been open for 5-10 years. I was not made aware of any closing fees for transferring this small account. I noticed on my account history there was an account transfer fee ( ACCT TRF FEE - {$49.00} ) which I was not notified I would have to pay. I called and spoke to a representative and complained and they would not reverse the fee. I escalated to a manager who refused to take any action to fix the situation. I feel powerless to recover this fee and Bank of America knows people won't take the time to bring up these egregious fee practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing in regards to having these items deleted from my report. Also, I did not authorize these I am a victim of identity theft, I need your help in correcting my credit report, Please delete the items i have inquiry requests mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission.
Product: Debt collection

there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer whos rights has been violated. I extended the use of my credit to USDA RURAL DEVELOPMENT. The company have operated dis honorably and have conspired with the consumer credit reporting agencies to deprive me the benefits of my credit which caused serious damage and interference with commerce. I have tried to resolve this matter. The account has been is dispute status for over a year, the debt hasnt been validated and my consumer credit has been destroyed. During the debt validation process all collections must stop. USDA and reporting agencies has reported three late payments which is fraud and has severely caused damages to my consumer profile which has yet to verified. Transunion has banned, stopped me from putting in disputes about USDA. These corporation are operating above the law and no one seems to care. I hope this message reaches a pure soul who is here to help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have a fraudulent account on my report. Please removed that account front my report. It is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$7000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX  XXXX XXXX Balance XXXX {$7000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX  XXXX XXXX Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, Equifax, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. 
Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. 
I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. 
Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. 
This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. 
I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. 
Task that you respect my consumer rights.
Product: Debt collection

I was a student and when I moved out of my apartment XXXX XXXX I paid the onsite manager for any and all cleaning. Apparently in XXXX XXXX the landlord decided they were due some cleaning money and or misc. costs. They chose not to contact me but instead sent it to a collection company with the address where I left not my home address that they had in the application. I found this out because my XXXX XXXX 's XXXX score showed a collection and I was told who the collection agency was I called them on XXXX/XXXX/XXXX and was told it was n't their problem they never sent me the notice to verify the debt. 
I believe the landlord provided a wrong address on purpose so it would be a collection action and I would be forced to pay it.If they would have provided my home address I could have responded to the collection companies XXXX notice.I also believe the collection company chose not to ask them for a good address because they did n't want me to reply. 
I am also concerned it took 7 months for the landlord to make that determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. XXXX XXXX XXXX have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to 15 U.S Code 1681e of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to " paid on time '', as I believe I was never late. 

If it is proven that I was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to 15 U.S Code 1681a ( 2 ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent over my complaint to the cfpb and to Experian and never heard back and all of the items is that I dispute is still there
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> my debit card was charged a amount that overdrafted my account. I had got behind on a personal loan at Toledo Finance in XXXX, TX. Neither MYSELF or my wife had spoken with them prior to give them the card information nor have i given permission to have this card used for auto draft but some how on that date the card was charged. I have placed a unauthorized charge complaint with my card company and they are investigating this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called National Credit Adjusters @ XXXX because the company was listed on my credit report. I was advised that I owed a balance of {$620.00}. I do not recall opening any credit cards during that time and I believe it may be fraud. I was told by the agent I spoke with to go on this website to report what I believe to be frraud.
Product: Debt collection

National Credit Systems is not licensed or registered to do business in my state I Request the company provide documentation that confirms their legitimacy. This includes their business license, NMLS ID, and proof of authorization to collect debts in your state. If they can't provide these documents I Request that the unauthorized collection be removed from my credit report.
Product: Mortgage

On XXXX/XXXX/15 I applied for a home equity line of credit ( " HELOC '' ) online from Bank of America ( " BofA '' ). The following week I received a telephone call from BofA regarding my HELOC application. One of the questions asked by the BofA employee was " do you have have any other loan requests pending ''. I answered truthfully, which was yes I had applied for an identical HELOC from XXXX XXXX a day after I applied to BofA. BofA informed me that they would NOT continue with my HELOC application until I provided them a letter from XXXX XXXX indicating that I had withdrawn my HELOC application from XXXX XXXX. I indicated to BofA that I was willing to withdraw my application from XXXX XXXX but only after I had received a loan commitment from BofA. BofA has unwilling to do this and canceled my application. BofA did this despite me being a 20 yr customer ( premier status ) with existing checking, savings and HSA accounts at BofA and a XXXX credit score. This practice by BofA is anti-consumer. It limits shopping for competitive rates and terms. It forces you to either shop for a loan sequentially versus in parallel, which is time consuming at best, lie to BofA during the application process, or find another lender.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.
Product: Mortgage

I am reaching out because I am currently in the process for being approved for a mortgage. Unfortunately, XXXX feels since my job is 90 miles ( 1hr 40min drive ) from the home I am trying to purchase they've sent me an email indicating I find a job closer to purchasing home and send them a job offer whenever I do obtain a new job. After speaking to my supervisor it was agreed I would be able to work my position remote. My direct supervisor went ahead and submitted the necessary documents and now I am being told that since my XXXX initially stated I was not working remote and now my direct supervisor is stating I can there is conflicting information. I'm not sure if it is because I am a minority that I am getting the run around however I have spoken to many lenders/ realtors and I am told this is out of the ordinary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.
Product: Credit reporting or other personal consumer reports

First of all XXXX keeps taking my score down and Im paring all my creditors on time as agreed. XXXX recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX XXXX XXXX my credit score has decreased by the XXXX. 

TGEIR reasoning for this low score is very contradicting.. XXXX, XXXX XXXX XXXX Experian are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from Experian inviting to apply with XXXX XXXX. Only emails I received from XXXX are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.
Product: Checking or savings account

I owned a " XXXX '' corporation and had both my personal and corporate accounts at Wells Fargo. I have closed and dissolved the corporation. I had a XXXX XXXX subscription for the corporation. That subscription was stopped last year. Since then, despite repeated requests Wells Fargo has been charging my PERSONAL ACCOUNT, an account that was never authorized for XXXX XXXX a {$14.00} fee every month for software access.
Product: Debt collection

I received an email today ( XX/XX/XXXX ) from a creditor LJ Ross Associates XXXX XXXX telling me that a {$70.00} bill was outstanding and sent to collections from XXXX. 

I moved out of my apartment in XXXX in XX/XX/XXXX. My stop service date was XX/XX/XXXX. I paid by bills by automatic transfer. I NEVER received a bill for this amount, or any amount, via email or US mail ( my mail had been appropriately forwarded to a new address in Iowa ).

On my stop service confirmation it states that all bills will be debited from my account/paperless billing as I was enrolled in autopay. I did not receive anything and did not have a clue there was outstanding debt.

Now Im receiving a collections notice on a supposed debt that I was never informed of before the collections email.
Product: Checking or savings account

Bank closed the account because of some past checks that were deposited. But before all those checks there was {$1500.00} in my checking account and {$500.00} in my savings account Wells Fargo only gave me back {$57.00}. Called them back to see what happened to the funds and told me that they couldnt figure it who the funds belong to and kept {$1400.00} from the checking and and {$510.00} from the saving and that money was already in there before those past checks that were deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-Tranunion-XXXX  : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.
Product: Mortgage

On XXXX XXXX, 2013, I sold my property located at XXXX XXXX XXXX, XXXX, NY XXXX. At the closing, the first and second mortgage balances with Chase were paid in full. My lawyer disbursed funds to Chase Mortgage for {$630000.00} to satisfy mortgage number XXXX. He also disbursed funds to Chase Mortgage in the amount {$51000.00} to satisfy mortgage number XXXX. 

Despite the property title clearing and the property changing ownership, Chase continues to report a {$7100.00} past due balance to the credit bureaus, and also reports loan # XXXX as " charged off as bad debt '' rather than as " paid. '' I have reported this to the credit bureaus and my lawyer and I have XXXX contacted Chase on repeated occasions to try to remove this. I have been trying to correct it for 3 years. 

As of XXXX/XXXX/XXXX, however, the loan balance and the charge off remain on my credit report- ruining my XXXX score and also preventing me from securing any new credit. 

This is highly unfair and must be rectified immediately! 

Its bad enough that Chase forced me into bankruptcy because of a botched refinance. Continuing to report that I have not paid my debts when I have paid off everything to the penny only adds insult to injury. I certainly hope you can help with this matter. 

My attorney 's information is : XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts. 
XXXX ( XXXX XXXX XXXX  ), {$1700.00} XXXX XXXX XXXX XXXX, {$4900.00} XXXX XXXX XXXX, {$10000.00} XXXX XXXX, {$820.00} XXXX XXXX XXXX, {$2000.00} XXXX XXXX XXXX XXXX, {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this matter several times but have had no luck with Wells Fargo. I have already spoken to several representatives through this complaint system at Wells Fargo and they have not helped me. 

I found a letter dated XX/XX/2017 stating that Wells Fargo communicated that the foreclosure would not occur if payment was received and it was. They extended my reinstatement for the mortgage due to issues with my payment online system. They let me do so and I submitted the payment in full. Per the letter, it states the situation and the representative was helping me recover the home and not foreclosure. However, they made a mistake on their end and miscommunicated to me the date of the foreclosure. Thus, the foreclosure occurred. So, they promised to not have any negative information reported. Please advise. I do not want to talk to another Wells Fargo representative, I just want this situation rectified per the letter that states Wells Fargo was in the wrong. The only thing I ask is for it to be removed from my credit report.