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

I have continuously been disputing with XXXX, XXXX XXXX TransUnion, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. Also in [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with.
Product: Checking or savings account

Charged overdraft fees often when I didnt have it and let charges go through
Product: Credit reporting or other personal consumer reports

This is my 24th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

Porsche Financial SRVC, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX
Product: Mortgage

After years of aggressively reaching out to Wells Fargo to assistant with an affordable home mortgage, a modification was finally extended to me. This offer has helped me to save my home from foreclosure status and preventing me from losing my home in an auction. Although an modification offer has been extended, I do n't understand how this is an affordable option. The original principal amount is {$320000.00}, Wells Fargo has added an additional {$130000.00} to my original principle amount making the new principal {$460000.00}. This excessively exceeds the current market value of my home. The current market value for my home is approximately {$29000.00}, the original principal amount was is already an upside down mortgage, I do n't understand how adding an additional {$130000.00} to my principle balance is suppose to assist with my current situation or make this an affordable offer. The value of my property will never be worth {$460000.00}. Why is Wells Fargo pushing to increase my loan amount to exceed the value of my property in lieu of working with me to provide an affordable offer. What is Wells Fargo anticipating if I need to sell my property in a few years? Am I anticipated to short sale and damage my credit that I am currently working on repairing? 
The breakdown of {$130000.00} is not clear to me, nor should is be included to my original principal loan. Also, the additional {$130000.00} does n't make any sense. If this is for taxes and insurance, the total cost should be approximately {$60000.00} for 5 years. I would like to get this issue resolved sooner rather than later. 
I have been reaching out to Wells Fargo for years to avoid late charges and try to resolve this issue, but I kept getting the run around, or just rejected. I had to file bankruptcy in order to save my home from going up for auction. I feel as though Wells Fargo is intentionally making it difficult to provide an affordable home mortgage that is equivalent to the market value. 
I have successfully paid the 3 month trail payments, but not enough time was provided to vet through the modification offer. I have agreed to the offer to prevent my home from going up for auction, but understand I have 30 days to make changes as needed. I 've submitted several letters asking to waive all additional fees to avoid the upside down scenario with my home, but have n't received a response. 
I do n't understand why Wells Fargo would increase my original principle amount to exceed the current market value of my home. Currently, the market value of my home is already less than the original principal amount. How is increasing the loan amount even higher to exceed the value of the home making this an affordable home mortgage? I am a single mom and if I decide to sell my home in a few years, I will be in a worst situation due to the balloon payment that has been added on by Wells Fargo. My investor XXXX XXXX, is not requesting the additional fees, these fees are all from Wells Fargo, and I would like it to be removed and really making this an affordable offer that is in line with the market value.
Product: Debt collection

I have received numerous letters requesting payment for an XXXX XXXX XXXX bill that is overdue. However, I have never received any such bill from XXXX XXXX XXXX. When I called to discuss the matter, I confirmed all the information on the " letter '' they sent me but would not give any other personal information. When I refused to give information that was not on the letter the company sent, the call was terminated by the customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im stressed and have been sending letters before this and still I response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I was a victim of Identity Fraud. Someone tried to obtain credit cards under my name and social security number. The credit card company realized there was something strange about the request and the cards were never issued to the requester. The police in XXXX Ohio were contacted and checked the address on the application and it was a XXXX XXXX XXXX. I have NEVER lived in Ohio. I have lived at the same address in XXXX XXXX, MA since XXXX 1978. I would appreciate having that fraudulent address removed from my credit history. Thank you ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several negatives items on my credit report. I recently disputed them and still haven't got a response back.
Product: Bank account or service

My bank continues to submit payment after my account has no funds.Which than occures nsf fee charged to my account. I have attached documentation to support my claim.If you look at the simple mobile one was submitted on XX/XX/XXXX when funds were there.B ut bank did not pay until the XX/XX/XXXX when funds are not there.As I said this is continues practice of theirs. I am on a fixed income please help XX/XX/XXXX XXXX XXXX FL XX/XX/XXXX Debit card transaction ( ... XXXX ) - {$48.00} {$34.00} XXXX XXXX FL XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I was promised and verbally agreed if I return the vehicle back that it would not be put in my credit report. It has effected me in obtaining loans for my sons schooling and has been on credit for a long time. It hasn't been taken care properly and it seems like it has to be that I'm XXXX.
Product: Checking or savings account

I have called Chase bank ( XXXX GA ) several times to clarify the details of my account. I have spoken to ( I believe XXXX The XXXX lady ) several times in reference to my account status. Im constantly receiving emails from this bank that I had years ago and forgot about but Im being denied access to my bank account information and status. I have left several messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I contacted Capital one, Neiman Marcus to pay my bill as normal. As a long time customer, I understand any payments made after XXXX will be credited the next business. 

The agent took it upon herself to only schedule the payment, I specifically told her that I wanted to make a payment. Upon stating the agreed amount before processing the payment, the agent only stated that I agreed to make the payment for the aforementioned amount. She never mentioned that the payment was being scheduled. 

On XX/XX/2022, I found out by a text that I received stating that the payment was scheduled only, therefore, at that point my credit rating was reported as 30 days. 

I attempted in good faith to make the payment before any adverse action could be reported. This is an error on Neiman Marcus ( capital one ) agent, not my fault, but now my credit has suffered tremendously due to this reason. 

I have had this account for so long and I always call to make my payment sometimes after XXXX PM and never had this issue before the agent was careless and negligent in regards to my request of making that payment on that day for the next day. Not to mention Ive suffered from Covid and have tried in good faith to make arrangements with the creditor.
Product: Credit card

I have outstanding debt to Discover Card in the amount of {$4000.00}. I am elderly and I recently lost my life partner of 25 years, and XXXX daughters. XXXX of my daughters left me to care for my special needs granddaughter ; and the other daughter had serious financial debt, which all became my sole responsibility. I am willing to pay my debt ; however, I feel I am being unfairly treated by Discover and harassed by collection phone calls. I feel Discover has discriminated against me due to my age because I am elderly and on a fixed income and receive public assistance, and although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Further, they know I have no immediate family to help me understand my liabilities and the Discover calls have been confusing and misleading me and purposely trying to get me to verbally agree to something I can not fulfill for a monthly payment. I also feel that Discover treated me unfairly because they have been harassing me with collections calls, even though I have opted out of phone calls. Because of the harassing calls from Discover, I felt pressured into finding a financial solution. As a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Discover that I was the victim of a credit consolidation scam by a company called XXXX XXXX. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in 3.5 years, but all they did was take my money and left me with nothing. All Discover has done was continue to harass me by phone causing additional anxiety and stress to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reported this account several times case # XXXX and XXXX. The information is still reporting wrong. They are reporting late payments after the card was closed and are listing several months after the card was closed in. Equifax needs to report the date the card was closed on XX/XX/2022 as they are reporting now and removed all month to month late payments after the card was closed by the credit card company. XXXX  XXXX is the on XXXX reporting this with Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. 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 Commission 's Identity Theft Affidavit I.D., & Proof of Address. Please delete them as a soon as possible. I have included all fraudulent items in my report.
Product: Debt collection

Response to this, I never received invoices for these. I was in the XXXX and all my medical bills would have been paid by XXXX. I need to know where the invoices are to see if they were billed to XXXX accurately. I also have called XXXX and they stated they never received any bill from those locations mentioned. I NEED a paper copy not just a statement of this. What address is on file and where are you sending these because I have not received any. Also you can not bundle three total cost in one bill. They should all be seperate bills and if each bill is under {$500.00} dollars it is illegal per biden to place this on my CREDIT SCORE. If insurance was not used then it is also inaccurate information because I AM XXXX XXXX XXXX  and all my medical bills would be paid FOR by the XXXX!!!! 


Company 's Response Wakefield & Associates, LLC. ( Wakefield ) appreciates the opportunity to investigate and respond to XXXX XXXX complaint. The creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, placed three accounts with Wakefield on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Initial notices were sent to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. Wakefield has no record of returned mail. XXXX provided emergency physician services to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, XXXX. Wakefield acknowledges that it received an indirect dispute from the consumer reporting agencies ( CRAs ) through XXXX on XX/XX/XXXX. XXXX XXXX account was dispositioned as disputed. Wakefields investigation uncovered no evidence that it furnished inaccurate information to the CRAs. Wakefield will send verification of debt directly to XXXX XXXX.
Product: Debt collection

The credit card company discover filed a law suit against me for XXXX on a time barred debt. I live in Maryland where the statue of limitations is 3 years the account closed on XX/XX/XXXX law suit was filed XX/XX/XXXX. I called them to try to make a deal to avoid court but by doing this It violated my rights by reinstating the old debt because it is illegal to file a law suit on a time barred debt ( I did not know this at the time ). The company discover broke the law to get me to contact them about the time barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, -XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX XXXX  Acoount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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.
Product: Credit reporting or other personal consumer reports

On my Equifax credit report, the following collection accounts are showing. No name of the creditor is given so I can contact them to have the information removed, only a number is shown for their ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. I am writing to formally dispute several items on my credit report, which I believe are incorrect and related to identity theft. Please find the details below : 1. Incorrect Address : My credit report shows an address at XXXX XXXX XXXX. I do not reside at this address. 

2. Fraudulent XXXX XXXX : There is a XXXX card listed with a balance of {$8400.00} and numerous late payments. This account is not mine, and my identity has been stolen. I am attaching a police report and other supporting information for your reference. 

3. Unauthorized Inquiries : My credit report shows several hard and soft inquiries from companies like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. 



I kindly request that these items be investigated and removed from my report.
Product: Credit card or prepaid card

Penfed has inaccurately reported information to the credit bureaus. I have disputed the information reported numerous times and have also spoke with a supervisor concerning the documents I submitted to them not being returned with a contact person, name, contact info etc. This issue remains ; I have never paid 30 days past due. I make payment through the Penfed app and payment the amount the app reads due. Penfed is reporting that I missed a payment when I in fact did not and is refusing to correct the inaccuracies. Penfed also will not take accountability for their App showing amounts due that may differ from their accounting. My credit should not suffer for company mishaps, whether human error or computerized.
Product: Credit reporting or other personal consumer reports

I reviewed my customer reports and noticed that I have two late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/2024. I ask that you please review and investigate this matter and provide documentation with proof of statement showing that these payments were late. If proof cant be provided I demand these payments to be updated to paid as agreed on time as they should reflect due to the fact I was never late. Thank you in advance, please see supporting details attached.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the three credit bureaus yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act.

Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00}