23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to removed the inaccurate items. My name is XXXX XXXX and this complaint is done by me. I used the information in FCRA to help me. Experian said that they didn't think it was me filing that complaint. While they used stall tactics, my credit continue to report incorrectly with false information. I have attached all the necessary documents to get these accounts removed.
Product: Mortgage

We had a home mortgage with Wells Fargo from XX/XX/XXXX thru XX/XX/XXXX. We were having financial difficulty, as many were at that time. 
We contacted Wells Fargo early on during these troubling times and were invited to apply for a mortgage relief program whereupon the mortgage would be modified to fit more comfortably in our current budget. 
We complied and were told that if we were 3 months behind, that would qualify us for the modification. We were already 3 months behind and were desperate to hold onto our home. 
We applied for the program XXXX, XXXX. We were told that this process will hold off any foreclosure action until approved. This process continued on for 2 years up until we were served with and foreclosed on in XX/XX/XXXX. 
All the while we were promised that our modification was in process and waiting for approval once all the information was gathered although all the information was sent on numerous occasions in the past. We were simply being lied to and stalled until we were unable to make up the payments. 
We were told on several occasions that our loan had been sold to numerous other companies and they would be in touch. We were never told what companies and have since learned they did not exist. 
As a consequence of these actions we were put out of our home of 19 years and left to rent. We lost approx. {$550000.00} in this process not to mention losing our home. 
I recently read where Wells Fargo had been made to answer for these fraudulent foreclosures yet we have not been notified by Wells Fargo. 
I phoned numerous divisions with Wells Fargo and was told our file is not available and they had no record. I attempted to make our address current but they would not take my information. 
I would appreciate any kind of guidance you can offer, Sincerely XXXX and XXXX XXXX
Product: Mortgage

My home was scheduled to on auction. After the date had passed I called the back to check the status, I was told that the account is in litigation and they can not speak to me or provide any further details. I explained that I did not seek counsel at any time on this loan and was expecting the property to get sold at auction. I was told that the account is locked and they can not provide details. I explained that there has to be some type of fraudulent activity because I did not authorize anyone to speak on my behalf. There was no help offered, only kept telling me that they can not provide any information. I requested an escalation or to get a a call back, which I never received.
Product: Consumer Loan

I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different XXXX and the acccounts are illegally beign re-aged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with transunion, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is showing that the account was charged off and I never received the 1099C for this account and therefore the account is reflecting false information and should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent out three disputes about my XXXX XXXX car loan with Experian, XXXX  and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX  and account the total of the balance has been set to {$0.00}.
Product: Debt collection

Self financial inc . 
secured trade line account was paid in full And should be removed Due to COVID min secured payments could not be met due to hardship. I will be seeking legal action against this company.
Product: Debt collection

I have been receiving a continuous stream of calls from collection agencies for a debt incurred by someone with same first and last name as mine, but not the same middle initial. I have repeatedly told these agencies that I am not the person in question, I am not related to this person, and I do not know him.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Harris & Harris claims they do not have and can not provide any contact information for the original debtor they are attempting to collect for.
Product: Credit card

On XX/XX/XXXX, I had my payment scheduled to withdraw from my BoA checking account. That afternoon, I checked to make sure all payments scheduled from XXXX XXXX, including this payment, had been sent. Saturday morning, I received an email on my available balance which was lower than expected. I checked the app and noted they had taken a double payment on my credit card. I immediately called customer service to have the second payment refunded. On XX/XX/XXXX, I received an email they had lowered my credit line. They have been doing this about every XXXX months so I ignored it. On XX/XX/XXXX or XXXX, I received an email from them that they noticed XXXX payments. I was instructed to do nothing if I had already contacted them or if this was intentional. On XXXX I called again because it was taking entirely too long for them to give me my money back. I was informed by the rep XXXX out of XXXX XXXX that they were sending me a letter stating they could only refund {$58.00} because to refund the full amount would put me over my limit. This is purely their fault. If they hadn't lowered my limit so quickly after my payment, I wouldn't have been over the limit. My new statement hadn't even processed. I feel like they intentionally took double payments and are refusing to correct their error. The least they could have done was increase my limit to an amount that allowed them to refund the full amount. Needless to say I am ending all my accounts with BoA except the credit card. I've been with them for over 30 years and have defended them when people ask me why I bank with them. In the last year, they have done nothing but make it harder for a person with a modicum income to bank with them and I'm done.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.
Product: Consumer Loan

I filed a complaint with AHFC due to late notices posted to my account that were no valid. I sent them a formal dispute on XXXX XXXX, 2016 which they received on XXXX XXXX 2016. On XXXX XXXX, 2016, since I had not heard from them, I sent them a second letter telling them that they did not mark my file as disputed or responded to my previously letter that they now need to remove the late notices on my account. They received the letter on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received THREE letters from AHFC. 1. telling me again that my payment was late and I needed to pay immediately to get my account up to date, 2. A letter telling me my request to remove derogatory marks from the credit bureaus was denied and 3. Telling me my car loan was paid in full and attached to that letter was the TITLE for my car. So, please tell me this company reports information accurately and timely. If you would like all of this documented evidence, I am happy to send it to you, but it 's all pretty thick. I appreciate your help in ending this as it 's not fair and AHFC had not followed the law in marking my file 1. in dispute and 2. responding in a timely manner. This type of reporting is for a reason, and when at fault, I am happy to take my due punishment. However, this reporting is not accurate and AHFC has done nothing according to the law to correct this error or follow the law in investigating, marking the file as in dispute and NOT continuing to write derogatory marks on my file as payback for fighting them on this. Please help!
Product: Credit card or prepaid card

Company : American Express Card : SPG Problem : Did n't get my welcome bonus for nearly 3 months. Tried to contact the company in earlyXX/XX/XXXX, and they said my issue would be resolved in 6-8 weeks. I contacted the company again on XX/XX/XXXX. They said again that they would fix my problem in 6-8 weeks. 
Today ( XX/XX/XXXX ) I contacted them again, they still tried to prolong the process.
Product: Credit reporting or other personal consumer reports

Several check-ups performed without my consent. 
XX/XX/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 XXXXXXXX I don't recognize any of these credit checks
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Ask Company To Delete Incorrect Information
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$82.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$110.00} XXXX  - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Mortgage

LOAN WAS WITH XXXX XXXX XXXX XXXX IMPOUNDED, HAVE XXXX XXXX HOMEOWNERS INSURANCE SPS DIDNT PAY IT AND GIVE EXCUSES THAT I DIDNT SUBMIT THE INSURANCE WAS ALWAYS SAME INSURANCE NOW THE FOREPLACED IT THERE ERROR ( ALSO TRYING TO MODIFY AND STILL LYING ) JUST SUBMITTED INSURANCE COMPLAINT WITH CALIFORNIA DEPARTMENT OF INSURANCE , IS A STATE AND FEDERAL ISSUES! PLUS THEY LOST A PAYMENT.
Product: Mortgage

I closed on a mortgage XX/XX/XXXX. TMS told me I didn't have a payment for the first month ( XXXX ). Unfortunately, I contracted XXXX the end of XXXX and was unable to set up my account for my first payment in XXXX. My credit score was over 760 when I got the mortgage and is now below 700. 

I called TMS and asked them to remove the late payment from my credit since I've made every other payment in my life on time and the circumstances were out of my control. They refused and now my credit is almost 100 points lower. I'm a very financially responsible person looking to downsize my house but now I can't - all because I got XXXX  ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name
Product: Credit reporting or other personal consumer reports

I urge the immediate removal of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. 
XXXX 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

My son who lives with me opened 8 credit card accounts under my name without my knowledge or permission. All of the accounts are with synchrony bank and the refuse to remove them off my credit.
Product: Debt collection

I am a consumer pursuant to Federal Law 15 USC 1692a ( 3 ).

FH Cann & Associates is a debt collector pursuant to 15 USC 1692a ( 6 ). 

FH Cann & Associates has used unfair practices in an attempt to collect a debt pursuant to 15 USC 1692f. 

FH Cann & Associates has furnished information without my consent to other third parties regarding alleged debts related to an account associated with my name. 

FH Cann & Associates must first receive written directions from me in accordance with 15 USC 1681b ( 2 ) in order to furnish information to any other person besides me, the consumer. 

Any person or organization that acquires information regarding a consumer without the prior consent of the consumer has committed the act of identity theft pursuant to 15 USC 1681 ( q ) ( 3 )
Product: Debt collection

I checked my XXXX  Credit Report and found that their is an account that does not belong to me from XXXX XXXX XXXX XXXX  with the Original owner being XXXX. It was reported on XX/XX/2018. The amount is {$410.00}.

I contacted the collection agency on XX/XX/2018 and the representative was rude and would not cooperate to confirm any information that I asked for. I was asked to verify my information and I was not giving them anything in case they were wrong. I was also hung up on.
Product: Payday loan, title loan, personal loan, or advance loan

I acquired a line of credit with XXXX. They've since gone out of business and sold my loan to another company. The other Company ( SST ) has warnings all over the internet about being a collections and scam company. Increasing interest and not counting payments. 

XXXX breached their own contract when they stopped making payments to my card and charged for an easy experience of getting out of debt. With the XXXX + agreement my APR was never lowered.