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

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, XXXX and Equifax and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Product: Mortgage

I am filing a complaint for my son, who is deceased. This is an old complaint and is against Wells Fargo. I do not have all the details but I too reached out to Wells Fargo during the process. Basically he had a mortgage with Wells Fargo. He decided to build a shop on his property and his loan advisor told him he would be best suited to take out a second mortgage and when the shop was done and the new value established to roll it over into his original mortgage. After its completion when he attempted to do the rollover they denied it. This put him in financial distress, we made many pleas for help and they were all to no avail. In fact basically ignored by them. He ended up having to file bankruptcy. Their lack of willingness to work with him was remarkable! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This being a piece of that puzzle. Wells Fargo is not to blame for his death, but their financial tactics were abyssmal, and certainly were a contributing factor.
Product: Debt collection

This company has listed 8 alleged accounts on my credit reports.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX  XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting

Euifax credit report says XXXX hard credit inquiries by XXXX. I had taken a comcast connection on XXXX XXXX and explicitly asked not to do credit check. I informed them not to do credit check as i did n't have credit history.They took a deposit of XXXX dollars and agreed not to do the credit check. I want to dispute the credit check as the deposit was paid to comcast and they said they will not do credit check with the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Payday loan, title loan, or personal loan

My account online shows my last payment was scheduled for XX/XX/XXXX and I went to pay it off early ( XX/XX/2020 ) only to be informed that the amount due does not go along with what I originally signed on the contract. I signed a contract for a certain amount and even though I requested ( over a 6 year period ) to have two payments moved to back of loan, they never stated additional interest would be charged. I have to pay an additional XXXX because of the two deferments. That state thats the interest of the two I added to the back of the loan. This is a Complete rip off. The interest was equivalent to another monthly payment. There is nothing in writing they said it was a verbal agreement that I would pay the extra?????!??
Product: Checking or savings account

On XXXX I made a purchase paid via PayPal. 
I reported to them that I feel the vendor was a scammer. The vendor contact info was a fake email that was XXXX so I couldnt contact the seller. PayPal would not stop the payment from my checking account. Once the payment was made I opened a dispute with PayPal because the goods were never received. I have confirmed with XXXX that the tracking number given by the seller ( scammer ) is not associated with me and my address. PayPal continues to ask for additional information from me for a week. A total run around. Their protection plan is supposed to handle this and provide a refund. They have closed my dispute in the sellers favor because it shows a delivery was made but it was not made to me.
Product: Credit reporting or other personal consumer reports

i recently pulled my consumer report from experian, XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis DISCOVER BANK/XXXX XXXX, XXXX, XXXX XXXX XXXX/ $ XXXX XXXX, XXXX, XXXX XXXX $ XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/ $ XXXX XXXX, XXXX
Product: Credit reporting 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. 
Account name : # XXXX XXXX Account name XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX account ( XXXX XXXX ) Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX collection bureau of a 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 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, credit repair services, or other personal consumer reports

I have been trying to resolve this issue for many years. Wells Fargo Mortgage made a mistake in XXXX and I have been trying to resolve it with them via many routes. This mistake has resulted in over 50 reported past due account status updates on my credit reports as well as many late fees. It has affected my ability to get fair rates and credit approvals in other aspects of my life. I first wrote a letter on XX/XX/XXXX after many many attempts to correct the situation via customer service on the phone did not work. On XX/XX/XXXX a manager removed only 2 late fees and agreed that I was correct about Wells Fargo 's mistake. 

The error happened on XX/XX/XXXX when a partial payment was put towards principal instead of into unapplied funds for the next months payment. At that time, we were already paid half way through XXXX. Ever since then, there has been a snowball effect of where funds were applied and for what payment month. Currently per my payment records, we are paid through XX/XX/XXXX with our next payment being due XX/XX/XXXX. The company is claiming we still owe for XX/XX/XXXX. I sent the company a spreadsheet on XX/XX/XXXX with all payments since the beginning of the loan. I requested that they finally do what is right and remove all of the negative reporting, late fees, and update our statements to reflect that we have been current. 

I received a letter dated XX/XX/XXXX from XXXX XXXX an Executive Resolution Specialist stating that they would not be making any adjustments. She did confirm that WF placed the funds onto principal instead of into unapplied funds. 

I promptly responded with a faxed letter dated XX/XX/XXXX. I expressed that I would not continue to let WF incorrectly report my mortgage as they have done unjust significant damage to my credit and have greatly affected my life. I notified WF that I would be moving forward with several complaints. 

What they have done to me is unjust and erroneous! They refuse to correct their mistakes. I received another letter dated XX/XX/XXXX, from XXXX XXXX - Senior Vice President stating they would address my inquiry by XX/XX/XXXX. WF has a long standing reputation for being dishonest & deceptive, & I can not sit back and let them continue to get away with damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX SS # : XXXX ( XXXX ) XXXX CFPB Log In XXXX XXXX!.. 

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting

In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.
Product: Checking or savings account

I made a cash deposit of XXXX dollars on XX/XX/year> between XXXX and XXXX at the outdoors chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX The ATM accepted the money, and I departed the location assuming all was well. I later checked my online bank account to find that the money had not yet appeared in my account. I went back to the location and they told me they could not do anything to help with ATM related transactions, and to call their customer support number. I submitted a dispute claim, was told to wait 2 business days and after 2 business days received a credit for the XXXX I had deposited. 

XXXX days later, on XX/XX/year> I am about to pay my rent, and double check my bank account to find that their investigation concluded that no such deposit was made. Not only am I shocked and confused at the clearly incorrect ruling, I also now can not pay my rent on time and am now facing the risk of eviction. I immediately call their number and am told that my case would be escalated to a higher manager. The manager eventually tells me there is nothing she can do to help and that no higher ups are available to further escalate. I begrudgingly hang up the phone and go back to the branch where I deposited where I am told they can not do anything and that I need to call the number. They eventually have one of their bankers help me reach someone by phone who says they will reopen the claim and reach out to me with a conclusion. On XX/XX/XXXX, I am contacted by phone call by a chase member who works in escalations who asks me for details regarding the transaction. I tell him what I can remember and he says they will reinvestigate. The next day, I am called again by the same employer and am told they came to the same conclusion and they I would not be returned the funds. I am now out on XXXX and way behind bills and facing eviction. PLEASE HELP
Product: Credit reporting 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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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. 
Chapter XXXX Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a Bankruptcy and other Information on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report and have a list of the Information that I upload and I highlight all the Misleading False Reporting Equifax have Violated all these laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S. Code 1681a ( 2 ) B ) Exclusions from a consumer Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. XXXX XXXX  - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. XXXX XXXX -Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. XXXX XXXX XXXX - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

Please report correct information to credit bureaus. See attached
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance Owed : {$510.00} ; XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$23000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00}.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them. Also I would like to state the multiple inaccuracies being reported in the same account which I have circled on the attached document, dates opened are inaccurate, last date reported is inaccurate, payment status is inaccurate, how can it be reported as a collection, charge off and XXXX  days late as well as different dates for last date active? These inaccuracies are hurting my credit profile and should be deleted. 

I have to date received no proof that I owe XXXX any debt and I am requesting that they forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If they are unable to provide me with the proper proof then they must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 

If they continue to claim I owe an alleged debt that they can not confirm with proof ( original alleged contract bearing my signature ) then they will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

They have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have XXXX ( XXXX ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of their claims in this matter, and will entitle me to presume they placed this on my consumer report ( s ) in error and that this matter is permanently deleted. Provide the proof, or delete this alleged debt from all sources to which they have reported it. Please forward your documentation to me upon receipt of this letter. Please note that proper documentation is NOT a print out or bill, but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX And XXXX XXXX XXXXXXXX Also the response shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send a letter to update my personal information and have not seen any changes on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.