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

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the Wells Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the Wells Fargo response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute Wells had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the Wells response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from Wells Fargo . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from Wells Fargo. 

At this point, unless XXXX is mistaken, it appears Wells Fargo is knowingly reporting false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. Equifax refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.
Product: Debt collection

XXXX XXXX XXXX has continued to use unfair debt collection practices. I have proof that you purchased my personal and private information from CAPITAL ONE. You have assumed responsibility for this alleged debt. I am requesting documentary evidence pursuant to 15 usc 44. I need my 1099-C a document crucial for the Cancellation of Debt for this charged-off/collection account. It is imperative to recognize that under the law, creditors are legally obliged to provide IRS Form 1099-C when canceling a debt. This form plays an essential role in tax reporting, enabling individuals to accurately report and comprehend the tax implications of debt cancellation. The absence of this form in my case constitutes a severe violation of federal tax regulations.

One of the most troubling violations pertains to the deceptive nature of the letters I have received from XXXX XXXX XXXX. These letters were sent with logos prominently displayed on the outside of the envelopes, a practice that clearly contravenes established debt collection regulations 15 usc 1692b ( 5 ). Furthermore, the content of these letters contained threatening and obscene language, which is both unlawful and wholly unacceptable. Your company has continued to threaten me with legal action on an alleged debt. I I have meticulously documented these violations and am fully prepared to provide evidence in arbitration proceedings. 

Failure to comply with these demands within the specified timeframe of 14 days will leave me with no choice but to take official action by filing IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. This letter serves as my final attempt at resolution before initiating arbitration proceedings.
Product: Mortgage

I requested evaluation of my property to estimated on its value to removed MPI insurance. My mortgage company send the forms and what the fees i need to send back .I did send back the forms filled and fees $ XXXXThis will begin to process XXXX TO GET ORDER.I started this process mid XXXX. The second I receive an email from XXXX stating ( if you would like to have a XXXX COMPLETED FOR YOUR PROPERTY, PLEASE SEND WRITTEN REQUEST TO following XXXX ). This email was receive XXXXXXXXI did respond back with an account number and the following message ( I would like to order XXXX appraisal order for second time now with this written email. The first was with forms sent by my mortgage. They have been giving me false information and each time i called there no respect toward my mortgage account. All the time they give me false information on to what's going on with this order I ask for in writing and email request and fees paid for already .My property home value in my are are going around {$700000.00} AND $ XXXXIn order to removed my MPI my house appraisal has to come in around XXXX, ooo to get the MPI REMOVED.I understand completely how this works. 
Options that i had selected on the forms i sent back was OPTION 2 1.HOME IMPROVEMENTS 2. PMI can usually be canceled after your home 's value has risen enough to give you 20 % to 25 % equity in your home current value 3.GIVING DOWN A PAYMENT TO GET TO 80/20 There giving me the round about and not straight answer each time I called. Quote its being process or they don't know whets going! 

There is one more major error they committed and I'm paying for it now. I can explained when I talk to someone. I'm tire of there mistakes and one of the major reason I want my MPI removed, so I can cancel there services. Its a headache dealing with them all the time. I have never been late on any of my property payments. I know we are numbers to them but this would benefit my family if I can removed my MPI. There are no homes properties in my area less then XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They are taking a payment out that's not my payday, I was told due to my direct deposit date, they take the payment on Wednesday, instead of Friday, but on Wednesday your making my account have a negative balance, then I encounter a fee, that they are not going to pay for, that's bs!! What can I do about this on top of it this was my first payment, I am not going to encounter an overdraft fee every other week because they are inpatient.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Vehicle loan or lease

i purchased a vehicle from XXXX in XXXX of 2024. I purchased a XXXX XXXX XXXX from XXXX. I was charged {$18000.00} for the vehicle and i am being charged 19 % on loan. I believe that the loan rate is unconscionable and predatory. A 19 % interest rate on a {$18000.00} is an unjust amount and i believe the loan is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion on XX/XX/2018 that they misreported inquiries. Which they refused to remove. I also informed them my date of birth was incorrect & provided ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I previous submitted a letter to Experian credit bureau to investigate items on my credit report on two occasion and i did't receive any response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion consistently responds within stating the account is accurate, without providing any evidence of a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure That TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Servicing, LLC is misreporting information on my credit reports. I disputed this misreporting to the credit bureaus however, Ocwen purportedly validated the account information. Specifically, Ocwen is reporting two mortgage loans with one account number ( XXXX ) on my credit reports ; one account is reporting 91-120 days past due and one account is reporting 120 days past due. I have never had two accounts with Ocwen Loan Servicing and believe this is misreporting is a direct result of their unreliable systems and fraudulent practices that were substantiated in the lawsuit filed by the CFPB. 
This misreporting is has negatively impacted my credit and is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

A credit builder account was open through the platform " XXXX " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX IN Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Vehicle loan or lease

I went to XXXX to purchase a vehicle with 0 % interest and then purchased a 2nd vehicle for the same 0 % interest as well and then it was changed not to my knowledge to 7 % interest. I have contacted the company several times and they stated that what was on the contract and now refuse to give me documentation with my signature.
Product: Student loan

I have Federal Stafford Loans with American Education Services. I reached out to them two years ago to ask them if my loans would be on pause, and if any payments would go towards the principal, due to the student loan pause implemented at the time. I was told " Please note that the loans you have with AES are owned by commercial lenders and do not qualify for any benefits mentioned by the president. The proposal for a 0 % interest rate is for Federal Direct and FFELP loans owned by the Department of Education ( ED ). Loans serviced by AES are bank owned loans and not owned by ED and are not included in the proposal. '' I am now very concerned that I was given incorrect information somehow. With President Biden 's recent decision regarding student loan forgiveness, I am concerned that I will not be able to have my Federal Stafford Loans forgiven because they are being serviced by AES. My loan details clearly indicate that they are owned by PHEAA XXXX XXXX, not a commercial lender. As far as I knew, Stafford Loans were among the most common Federal Student Loans. 

Was I given bad information? And will my Stafford Loans be eligible for forgiveness, even if they are owned by PHEAA and not Dept of Ed? I am concerned that many borrowers in the state of Pennsylvania will be hurt.
Product: Debt collection

On XX/XX/XXXX I installed XXXX service from a third party. On XX/XX/XXXX I called to cancel service with this company. I was well within the terms and conditions of the contract. I canceled services before due to they were unable to provide me with invoice billing they stated it had to be automatic billing. I spoke to several rep including two supervisors from  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was even given a credit due to the invoice of what I was experiencing from this company. I was harassed on multiple occasions stating I owed all this money when the services was canceled within the terms. I even called the corporate office on XX/XX/XXXX and they were going to get rid due to this was canceled within the timeframe per the contract. This company never notified me that this is an attempt to collect a debt and I didn't even have the chance to dispute. This has caused me a tremendous amount of hurt due to my credit score has dropped due to their false statements as if I was not paying this account which was canceled. Again I was not notified at any time and given the time to dispute before this hit my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting on at least experian credit that the account was over 120 days late on XX/XX/2021. I paid the loan off in full in XX/XX/2021. It was never 120 days late. 

Contacted XXXX  XXXX and they said it can take 30-90 days to fix. They verified that the information is incorrect but they are unwilling to send a letter stating this so that I can do a rapid rescore on my credit. I have property in contract and unable to get financing secured because of this error. 

I need it fixed ASAP.
Product: Credit card or prepaid card

This complaint including GM Card/Capital One credit Card companies, and XXXX XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, phone : XXXX 1. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. I am confused, stunned and surprised for {$5300.00} debt. I spent loads of time contacting GM Card, XXXX XXXX XXXX and XXXX XXXX, and Capital One to investigate the arrears of {$5300.00}. Because I did not use GM account since XXXX and I did not receive new GM card since XXXX. How could it be I use {$5300.00} from XXXX to XXXX. 

2. I found that Capital One sold GM account to XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXX XXXX after I spoke to Capital One customer service. 

3. According to my bank account statement, XXXX XXXX withdraws from my bank from XXXX to XXXX total amount is {$14000.00} + late fee of each withdraw {$2200.00} = {$16000.00} ( XXXX XXXX statement has 66 pages ) GM did not issue a new card to me, without my consent to take my money from my bank, and I also am unable to login online to check my account status because I don't have GM new card. 

4. On XX/XX/XXXX, I sent totally 91 pages statement to Capital One and XXXX XXXX XXXX XXXX XXXX via USPS certified mail with return receipts. But I did not receive any response from both sites. 
I reasonably believe that it is possible due to identity theft, or fault, or GM employee mistakes or any reason from XXXX to XXXX. But GM, Capital One, or XXXX XXXX   XXXX XXXX XXXX XXXX XXXX have liabilities to my loss. 

5. On XX/XX/XXXX, finally I received XXXX XXXX statement I can see GM took my money {$1800.00} and plus charged me let fee {$35.00} for each transaction. Totally {$2000.00}. 

6. I loss amount of money is {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Please provide proof these accounts belong to me. They have failed to provide any proof these accounts belong to me based on the guidelines.
Product: Debt collection

wireless phone bill from XXXX XXXX 
I have no idea the date service started or stop.. 
elderly tech abuse by tech companies is and was a issue..
Product: Credit reporting

this is not my account at all. have not had XXXX phone ever
Product: Debt collection

Javitch Block LLC is representing XXXX XXXX XXXX and collecting on their behalf. I agreed to pay the debt back and a payment plan was created. I was told by a representative on a recorded call, as stated by the representative, that I would get a notice in the mail agreeing to the payment plan and that I must sign it and mail it back to Javitch Block LLC for the plan to be effective and the attempt to sue will cease. I did receive the notice, however the notice is an agreed judgement against me plus an 8.50 % interest rate per annum for the cost of this action ; which I WILL NOT agree to. That information was not reported via the phone call that I had with any representative. I have a payment plan already set up and agreed to such payment plan over the phone. I did not agree to an agreed judgment via the phone call. They state that conversations were recorded so that should be listened to. Javitch Block LLC which is collecting on behalf of XXXX XXXX XXXX appears to be trying to force me to agree to a judgment against me while I have a payment plan in place. They also did not state that the letter that needed to be signed by me was an agreed judgement. That seems illegal. Payment plans negate the need for a lawsuit and judgment. They did not do their due diligence to explain the details of the notice and are trying to force me to sign or they will terminate my payment plan and make attempts to sue.
Product: Credit card

Citi bank closed all of my associated accounts with them ( CITI and Macys ) yet CONTINUES to send me promotional mail asking me to open a loan or new credit card with them - I do not wish to receive any further mail from citi bank regarding opening new accounts since they refuse to open my old accounts.