23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In 2018 I was manipulated into a mortgage with Wells Fargo. I had gone into the branch to wire monies for a mortgage and the associate convinced me to do a mortgage with Wells Fargo instead. They offered me an increase in my savings account interest rate ( which they soon later removed ), 2 Wells Fargo associates told me I could make payments every 2 weeks and have those payments applied the date I made the payment, this was my sole reason for doing the mortgage with wells fargo. Then, after I had the mortgage, the bank would not post my transactions on the date sent and instead waited until payment due date. When I opened an investigation, the employees/associates lied and then the phone records were on their personal cell phones so wells fargo investigations determined they could not validate what I was saying and thus I was fraudulently out money. I had a strategy to pay off my mortgage and determined an amortization scheduling using 2 week payment instead of monthly, I showed the associated this at wells fargo and they just lied and went with it, knowing it was not possible and telling me it was. This cost me thousands of dollars and I also ended up refinancing and I had to spend the time and money to refinance to get out from wells fargo blanket of lies and deceit. Friendly faces that lie lie lie and do more lying. Wells Fargo did an internal investigation and determined no case because phone records were personal cell phone by the employee and basically Wells Fargo internal investigation was a joke and a huge waste of my time. They talked really nice and said sorry a lot and then sorry some more but in the end, they did not resolve the matter and left me with the bill.

When I was closing my mortgage. Wells Fargo for my rate lock, also closed 1 business day after my rate lock expiration and charged me an additional 30 days rate lock for 1 business day ( {$710.00} ). The reason for the delay in closing was Wells Fargo internal bank error related. They charged me the extra fee of {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then I've been noticing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX  XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. 

If there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. 

I will forward the document to the complaint to support my claim. 

However, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you please review the documents? There are inaccuracies in the accounts listed, including wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX, has violated my rights. 

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 XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
Please remove these accounts from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIMPORTANTXXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit XXXX and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.
Product: Debt collection

Took my two grandsons to urgent care in SC. Was unaware NC Medicaid didn't work in SC. Talked to NC DSS, and was told they would take care of the Bill, and for me not to worry about it.

Everytime a bill came in, I took it to DSS. They never made any attempt to pay it. So it went on my Credit report as a derogatory item. When I noticed it on my credit report, I paid it off, but the Company never removed it from my credit report.
Product: Payday loan, title loan, or personal loan

This company is calling and texting multiple times in a matter of XXXX minutes. After they call 4 or 5 times they send about 3 to 4 text messages back to back. It's starting to feel like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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, credit repair services, or other personal consumer reports

Experian continues to report fraud accounts after my numerous disputes with them and the creditors and all experian says the information is correct and verfied to me because my name and addrs and personal information was used to obtain these fraud accounts for  XXXX  #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX   XXXX  #  XXXX  and   XXXX   XXXX   XXXX   XXXX   #  XXXX  experian has dont nothing to resolve the matter after years of disputes with them and their lack and neglect on preventing fraud resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the Citi card immediately because of this and because of how horrific their Customer Service is. Citi refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was Citi 's double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact XXXX  to bring my credit score back to what it was. I contacted XXXX  but they would not change my credit score as they said they contacted Citi and all of the information is accurate. I will include the dispute letter from Citi explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  acct XXXX and XXXX XXXX acct XXXX has violated my rights 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, also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely
Product: Student loan

I defaultedt on my private student loans with and Navient in 2012. Since then I 've made payment arrangements with their collection agency XXXX and I 've made every payment on time since 2012 according to our agreement. The unfortunate part is as long as I owe them, my loans will stay in default. these defaulted loans will continue to impact my credit until I pay them off in full which negatively affects my buying power. XXXX has ruined my family life and navient has not helped me with any other options to better my situation. I still owe over 40k and I 'm told I will remain in default until the loans are paid in full. This is a lifetime punishment as I 've already been in default for 8 years. It 's ashame I had to default for the collection agency to work with me and give me a reasonable agreement because Navient would not.
Product: Mortgage

I sold a rental property at XXXX XXXX XXXX XXXX XXXX, IL XXXX. It was financed through New Rez Mortgage purchased from XXXX XXXX We Closed the property on XX/XX/XXXX at XXXX. I ordered a payoff XXXX week prior to the closing for the closing date of XX/XX/2024 with a perdiem. The closing agent used the amount of the payoff on the payoff statementand added the per diem. Apparently while this was happening New Rez Mortgage made a tax payment on an amount to XXXX XXXX XXXX that was not due until XXXX. New Rez rather than applying the payoff sent the payoff back because they said it was short. They did not notify the closing agent they were sending back the payoff. In the meantime the closing agent wire transfered the additional funds and that wire was rejected. As of today they are still charging interest on the loan and it does not show it's been paid off. The closing agent called New Rez and said they would send the payoff but they need to backdate it to XX/XX/2024. New Rez is refusing to back date the payoff even though we used their payoff letter and tried to send the excess funds.
Product: Credit reporting

They wo n't remove old accounts. The credit reporting agencies have not provided any certified proof of claims to date.
Product: Credit reporting

I have submitted more than 3 official requests to have information corrected, deleted or marked dispute along with documentation supporting my claims to all XXXX of the major credit reporting agencies. All but one, Experian has dealt with the issues in question. They have refused to update or delete the disputed items. 
I have been trying to dispute these items for over a year now and this is a clear violation of the fair credit reporting act. The information is not accurate and documentation has been provided to support my claims.
Product: Debt collection

On my XXXX account I am showing a balance of XXXX on my debt. XXXX from eos cca and XXXX from XXXX XXXX XXXX for debt collectors. Bill Should only be XXXX from XXXX. I dont know who to pay with multiple inquiries on my credit report for the same bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these account from my report, they are hunting my ability to obtain credit.
Product: Credit card

I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance.
Product: Debt collection

LVNV Funding has been harassing me about a debt im not aware of i requested validation Per the fdcpa all they could furnish was a statements of itemizations i asked for a document containing my signature they did not provide me with any signed documents i have been in and out of the hospital sense 2015 i have suffered XXXX XXXX XXXX and XXXX XXXX which has not left me unable to XXXX i am now bed written lvnv funding went ahead and took legal action before  properly validating the debt which puts them in violation of the fdcpa and fcra for reporting this on my credit report.i am XXXX years old and i will not tolerate this please send me a contract or signed document of me opening an account with XXXX XXXX XXXX or lvnv funding i dont have a contract with neither of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was XXXX in the XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX I have my XXXX orders all the data is incorrect please assist. I am in town for the next 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and got sick during the XXXX XXXX and equifax Is falsely listing accounts on my credit report that are not mine and I have no knowledge of. They refuse to let me call by phone or dispute online.
Product: Debt collection

I have repeatedly verbally requested them to stop calling me while I 'm at work and that I am paid XXXX and would be able to make a payment arrangement with them at the beginning of the month after I am paid but they continue to call XXXX times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I was a victim of a money mule fraud. I was in XXXX  and a guy promised me a job opportunity. The man asked for my bank info and with that they stole and overdrew a huge amount of funds from the account and as a result USAA was forced to close my bank account and ban me from using thier bank ever again. Also because it was a family joint account my mom who serves as a XXXX in the XXXX XXXX was also affected and lost all her funds. She was unable to make payments to her home due to this harsh fraud activity. Last year of XXXX I opened a new account with XXXX XXXX but the next day I went to deposit cash into my new bank account based off my consumer report they had to put my account on freeze because of my banking history and was told to contact XXXX XXXX XXXX. I wrote them a letter explaining the situation and they referred me to you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI MACY 'S / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.