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

I am writing to formally complain about the persistent issues I have encountered while attempting to dispute and correct the late open accounts and also the removal of late closed and charge off on my credit report. I have made numerous attempts to rectify these discrepancies, but unfortunately, the inaccuracies persist across different credit bureaus. 

Despite my repeated efforts to address these issues through the dispute process, I have not seen any significant improvement in the accuracy of my credit report. I believe that the continuous reporting of these inaccuracies is adversely affecting my credit score and financial standing. 

I kindly request a thorough investigation into the discrepancies mentioned above and the immediate correction of the inaccuracies on my credit report. I have attached supporting documentation, including proof of timely payments, account closure, and any relevant correspondence with creditors. 

Furthermore, I request the removal of late closed accounts, and charge-offs that have been inaccurately reported on my credit file. It is imperative that my credit report accurately reflects my financial history and responsibility. 

I understand that credit reporting agencies play a crucial role in maintaining the integrity of individuals ' credit profiles. Therefore, I trust that you will handle this matter with the utmost urgency and diligence. 

Please provide me with a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and the updated version of my credit report. Additionally, I request that you inform me of any further steps I need to take to ensure the prompt resolution of this matter. I am asking for your assistance to correct these late open accounts and remove the late closed and charge off in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Compass Bank in XX/XX/2018for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.
Product: Mortgage

We closed a Home Equity Loan with Wells Fargo in XX/XX/2016. The loan has a fixed rate and a fixed payment for each month. Since we began making payments on this loan, we 've been paying more than the minimum due, and have requested that the overage be applied to the principal balance on the loan. Every month, the payments are not applied as requested, and Wells has instead used the overage to reduce the following month 's payment, which is not what we 've requested. As a result, the principal balance is not paying down as we intend, and Wells is charging us more interest than they should since they 're not reducing our principal balance. I call Wells Fargo every month about this issue, and they continuously instruct me to call my payment in and let them know that we want the overage applied to principal, which is exactly what I do every month. In spite of this, Wells continues to mis-apply our payments and over charge the interest on the loan. I have escalated this issue to their " executive area '' and just received the response that they 've analyzed my account ( for the third time ) and believe that they have applied the payment correctly. They then instructed me to call my payment in each month and tell them that we want the overage applied to principal - which is still what I 've done every month! I asked Wells to look at my payment history, take all of the overages paid to date and apply those against the principal as I 've been requesting every month. I also asked to have the interest re-calculated based on the lower, and corrected, principal balance. They have refused and said that they applied the payments correctly. I 'm attaching two analyses that I 've requested, one in XXXX and one in XXXX, that show all of the payments along with numerous reversals and mis-applications. There 's even a paragraph in the cover letter that states that they 've applied the overage against the following payment, rather than to principal, which is completely against our instructions. This is extremely frustrating in that I spend hours on the phone each month to first make the payment and instruct them how to apply it, and then as follow up to try to get them to correct it which they do n't. If they handle all of their Home Equity loans in the same manner, they may be charging consumers millions in extra interest every month, despite their wishes. Almost every time I 've called Wells to complain and have the correction made, the individual on the line has said that these accounts are causing problems and that they 're trying to correct their systems to handle the payments correctly. I feel as though this program is a sham as Wells is not allowing me to pay down my principal, despite the fact that the loan agreement clearly states that I can do so without penalty, and they are also charging me a greater amount of interest than they should because the balance is not being paid down.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ON MY XXXX  CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX  CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY EXPERIAN CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX  VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed these collections accounts, and then put them back on my report. I am extremely stressed and frustrated. According to the FCRA they were also supposed to notify me within 5 days of putting this information back on my credit report. I did not receive any type of notification. I am demanding that they remove all these collections accounts from my credit report. Additionally that late payment that Transunion is reporting is inaccurate because that account was turned into a collection/chargeoff.
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX accessed my Experian credit file without my permission. The inquiry appears as a hard inquiry. I did not authorize this hard inquiry. When Bank XXXX XXXX was informed about this, they claim they have no record of any pending application where they accessed my Experian credit file. Therefore, they can not remove the hard inquiry. They refuse to investigate it further. I need to know if this is an error by Bank XXXX XXXX or if I am a victim of identity theft. I need to know what, if any, of my personal information has been compromised.
Product: Credit reporting or other personal consumer reports

I am currently in the midst of buying a home, and during the examination of my credit report, I discovered unforeseen damages that are impeding my progress in the home-buying process. Despite multiple attempts to reach out to this account ( s ), expressing my concerns and requesting assistance in resolving this issue, I have not received any support or resolution, despite their awareness of the violation and also sending them requested documents of a Police report, ID, and SSN as I am a victim of identity theft. 


In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXXXXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$4100.00}.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINTXXXX XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Mortgage

I was attempting to refinance my present mortgage for a lower rate. I maintained a timely payments to help my credit score. But in XX/XX/2021, even though I made my payment, SLS mortgage servicing claimed they didn't get the payment. I explained I had a receipt. They denied receiving a payment. I knew what they were doing so I had my bank ( XXXX XXXX XXXX ) send the payment by check. SLS processed both payments and they still reported my account to the credit bureaus as thirty days late. XXXX  XXXX XXXX says they processed their check on XX/XX/XXXX but they didn't credit my account. 
They have dinged my credit and stopped my refinancing attempt. They are making a 6 % interest rate and they have said they are installing their insurance on my escrow.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 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: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX # XXXX XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX  XXXX # XXXX XXXX. ) XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX. # XXXX. ) XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction.. 

Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this with the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX,. XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was sent a collections letter from XXXX XXXX XXXX stating I owed over {$10000.00} to Bank of America for a credit card opened in XXXX of XXXX. I immediately sent a debt verification letter and requested several documents including original signatures be sent to me. The only information provided was a statement of charges. Someone in Delaware opened a business account in my name and charged over {$10000.00} in California and Massachusetts. I do not live in any of these states. It was also opened in a surname I have not gone by in 10 years! I have evidence to support my whereabouts on these dates as well. I followed the guidelines on the FTC identity theft website and have been denied by Bank of America because I can not provide them with the articles of the business. I can not provide something I do not have! I was also informed the thief opened XXXX additional accounts in my name including a checking account which they still can not provide me with a signature or the employee who opened this account.I have also never received anything from Bank of America saying I owed them anything when these accounts defaulted. They will also not provide me with information or what is charged on the other XXXX accounts. It is clear that I am a victim of identity theft.
Product: Mortgage

* Wells Fargo Provided a Misleading Initial Loan Estimate and Made Last-minute Changes to Loan Estimate : The original loan estimate I received did not include {$2000.00} in escrow prepayment that showed up in a later Loan Estimate. When compared to mortgage offers from other lenders, this made the Wells Fargo loan look much better and led me to withdraw my applications with other lenders. When I received a new Loan Estimate following the appraisal, the additional charge was shown and the charges for discount points were doubled. I informed the Mortgage Consultant of the additional charges and he repeatedly assured me ( via email and phone ) that this was an error and would be corrected. After two weeks requesting status updates on the Loan Estimate and being reassured it would be fixed, the Mortgage Consultant informed me the charges were accurate. This increased our closing costs by {$2800.00}, three business days before our closing date and the same day Wells Fargo was supposed to send the closing documents to the title company. This left no time for us to discuss or negotiate the charge with Wells Fargo, to renegotiate terms with the seller, or to appropriately prepare our finances. 

* The Wells Fargo Rate Lock Was Not Honored : I received a new rate lock following the appraisal a few weeks before closing. The Wells Fargo Mortgage Consultant repeatedly assured me that the discount points would be consistent with the Rate Lock, until three business days before closing when he informed me the charges would be double. The Rate Lock and the Mortgage Consultant 's statements were not honored. 

* The Wells Fargo Mortgage Consultant Made False and Misleading Statements : In regards to the above actions by Wells Fargo, specific statements made by the Mortgage Consultant proved to be false or misleading. The following statements were made via email in response to my requests for information about the updated Loan Estimate. These statements and others made during phone conversation led me to believe the Loan Estimate was not accurate and would be updated : - " The exception in pricing you received kicked out evidently. I will get it approved again and corrected. '' - " I will get him to put the request in the system Monday morning. I would do it be we are not allowed to. I know that it will get approved without any issues. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EMPLOYERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX COLLECTIONS : 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 XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX EMPLOYER XXXX XXXX XXXX ADDRESSES XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX