23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of the year XXXX, I received a letter from Wells Fargo Home Mortgage that if I could not pay my property taxes, they could open an escrow account for me. A few weeks later, I received a telephone call from a female representative of Wells Fargo offering the same, and I told her I was fine, and did not need a escrow account. Wells Fargo then informed me a couple of weeks later that they paid my taxes totaling {$1400.00}, which I had until XX/XX/XXXX to pay {$960.00}, according to my county tax commissioner. Wells Fargo stated I had a {$440.00} late fee that they paid. I have never been late or delinquent in paying my taxes, in which XXXX XXXX tax commission informed me when I visited them to confirm Wells Fargo had indeed paid my taxes. I reported this to Wells Fargo ( Case # XXXX, Miss XXXX XXXX / Telephone # XXXX, Extension XXXX ). XXXX informed me they would Not reverse the escrow account, even though I was never late or delinquent in paying my Property Taxes, and did not request them to open an escrow account. Wells Fargo informed me my monthly mortgage payment will increase from {$750.00} a month, to {$900.00} a month, effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

I have been trying to contact Conn 's Credit Corp. to dispute the validity of an account. On XX/XX/2021, I submitted my initial letter to the address listed on my credit report to validate the debt of {$4400.00} and the letter was returned. On XX/XX/2021, I submitted another letter to an address that I was able to locate online and it was also returned to me to validate this debt. I have not been able to successfully reach them at the contact information that is provided on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX XXXX sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use Wells Fargo Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use XXXX XXXX XXXX 's automatic payment services, but each time it has rejected my checking account from Wells Fargo. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else screws up and I have to pay for it?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. Item ( s ) resulting from trafficking that should be blocked : XXXX XXXX : XXXX Closed Age of Account 10 months 17 days Late payments XXXX XXXX XXXX XXXX XXXX : XXXX Closed Age of Account 2 years 10 months 21 days Late payments XXXX XXXX XXXX XXXX XXXX Closed Age of Account 1 year 3 months 25 days Late payments XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against XXXX, Equifax, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to XXXX, Equifax and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither XXXX, Equifax and XXXX never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. XXXX, EQUIFAX AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX and Experian Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

On  XXXX / XXXX / XXXX , I discovered that a collection has appeared on my   XXXX   credit report. I have no idea what the collection pertains to.     The collection shows the amount of {$100.00} and an original date of  XXXX   XXXX . However, no account number, contact telephone number, or contact address is available. If I am responsible for the alleged debt, I should have been notified by letter of the existence of a collection. However, to date, I have not received prior notice of a collection account. Therefore, I have never had the right and opportunity to dispute the validity of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/2022, I received a letter that stated I owed XXXX XXXX  money that I don't know about. the debt collector is Transworld System Inc. on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.
Product: Credit reporting or other personal consumer reports

I have filed a dispute regarding incorrect items reported on my credit report. It has taken over 30 days and I haven't received any investigation results.
Product: Debt collection

First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. 
XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. 
I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. 
NO SUCH EMAIL CAME! 
I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. 
I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. 
I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively.
Product: Debt collection

Requested proof that this debt belongs to me XXXX 's with no reply
Product: Credit card or prepaid card

I asked CITI in XXXX to stop automatic payments and they accessed my account 4 times after. I called again to warn them to quit committing fraud on my account and they said they would stop and reverse fees. I still have received no payment for unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # 1 : XXXX XXXX - Incorrect Name # 2 : XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

3. Wrong Date of Birth : NONE My Date of Birth is : XX/XX/year> Wrong Employers : - Wrong Employers 1 : XXXX XXXX - Wrong Employers 2 : XXXX XX/XX/XXXXMy employers is XXXX XXXX XXXX. 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Phoenix Financial Services is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. Phoenix account number is XXXX. This is the same item that I disputed and filed a complaint in XXXX XXXX Re : XXXX Complaint # XXXX ... XXXX XXXX XXXX. I sent an email to Phoenix Financial on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
Product: Student loan

I called Navient in XX/XX/XXXX in regards to my private loans still being reported to the credit bureaus as " charged off '' I am currently in a payment plan through Navients third party where I pay {$300.00} every month on private loans XXXX & XXXX and I'm current, however, they continue to add on late fees and report that this is a collection account. When I asked the representative at Navient to please stop reporting, he said it is within the contract that they can continue to report it as a charge off every month until the account is paid in full regardless if I'm making payments. I asked for him to send a copy of the agreement and I never received it. Proof of payments Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Company reporting : XXXX Tuition Answer XX/XX/XXXX {$390.00} Payment Due Alert PAST DUE XX/XX/XXXX {$25000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$420.00} Payment Due Alert PAST DUE XX/XX/XXXX {$31000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$330.00} Payment Due Alert PAST DUE XX/XX/XXXX {$9000.00} You may have been charged a late fee.
Product: Mortgage

We closed XX/XX/2023 with New American Funding ( NAF ) on our VA loan and VA renovation loan that we were told by the NAF Loan Broker that we had to combine together and not separate them and apply for the VA construction loan later. We selected a contractor and NAF dispersed the first draw of over {$100000.00} to them in XXXX XXXX to request permits and start the needed renovation. The contractor has not requested the permits needed or did anything else to start on the needed renovation and NAF has not required them to provide updates or receipts. 
We are both are retired XXXX veterans, and we can not live in the new VA loan house until the hired contractors renovate it completely and to date, they have not started, and we have to pay to mortgages that is causing hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit report stating that i have a new account with capital one
Product: Checking or savings account

On XX/XX/2023, I went to a chase ATM to deposit cash, I submitted {$2200.00} dollars all in {$100.00} bills when the ATM swallowed my money and said that an error occurred and that I need to contact the phone number provided on the screen. I called that number while I was in front of the ATM and submitted my claim information in regards to the atm machine, time and all the information they requested. I did not get a receipt from the ATM with the amount i deposited and chase just gave me a claim number. Yesterday when it was one month, chase took {$1100.00} from my checking bank account and therefore I called them and they said there is nothing they can do as they only found {$1000.00} in the atm, now my checking account is on negative and I have no answer on when is my money going to be returned or what can be done in order to solve this issue. They closed my claim yesterday.
Product: Debt collection

ARS I would like to once again ask to have all the documents you claim you have obtained and sent to me to confirm that this is an accurate. I have NOT once received anything from you showing the information you claim you have sent. You sent me a bill and that is it. A bill that said emergency services balance owed XXXX. I have not received any else supporting what you keep saying. Why would I now after all this time do all of the steps your telling me to do for identity theft three years later.? Why don't you take the steps and submit the documents that you keep refusing to send verifying the debt is mine. It would be a lot easier for you to provide those documents than me going and claiming identity theft three years later. I have spent those three years trying to get you to provide me documents with my signature verifying the debt belongs to me and for three years you just continue to send me a bill that says emergency services balance due. That means nothing. Again, I have maintained medical insurance for over five years, maybe even longer than that. So again. Show me more than a bill, And when I say that it means show me the entire MEDICAL RECORD you have on file verifying this debt and we can move on. Otherwise, stop updating my credit reports every month with XXXX. You have my information so you can send me the medical records from the date of service you have on there. Because I have not been to any emergency room.