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

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequoia Financial Services # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Product: Debt collection

AWA COLLECTIONS HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$2300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Product: Mortgage

I have been trying to get Wells Fargo to replace my XXXX XXXX XXXX XXXX XXXX policy with my new XXXX XXXX policy since XX/XX/year>. I sent in my policy paperwork via the mycoverage site, but then was told I needed to provide the condo building master policy. I have submitted the condo building master policy multiple times via email and the web, but they are still unable to receive or process the information for reasons that they can't explain. Need this addressed, should be very routine.
Product: Mortgage

This complaint is regarding a property I just purchased at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA , XX/XX/2022. I am attaching information regarding a problem with the mortgage company, Mr. Cooper, who bought my loan from XXXX XXXX XXXX  XXXX out of XXXX. XXXX XXXX was the Mortgage XXXX, also out of XXXX. 

You can see from the string of paperwork that my loan was sold to, what I now interpret as, an unscrupulous mortgage company, Mr. Cooper. I also interpret that their tactics are not 'honest mistakes '. They have been communicated with by me and XXXX XXXX XXXX XXXX XXXX XXXX and she was assured that this was resolved. They keep trying to set up an escrow account and raise my monthly payment by {$300.00}, when it clearly states that nothing is to be changed on my contract or payment amount in the sale of my loan. You would think a mortgage company knows the law concerning the purchase of a loan. We paid our insurance a year in advance and opted to pay our taxes privately too and did not contract an escrow account. For obvious reasons, they want the use of that money until tax time and intend to bully me into submission. 

I have spent countless hours on the phone, many of them holding for hours at a time. Their customer service is horrible. They should call their service department Customer Harassment! Then I was told it would be handled last week. I get letters every week stating that I am delinquent on payments and need to now give them thousands of dollars to 'catch up '. I have made every payment early for the contracted amount of {$1400.00}. They have not credited my payments saying that they don't accept partial payments. They did indeed put them through the bank and put them into a holding account, which account they are probably using to invest and make money while they bully me. 
They see my age of XXXX and probably think I don't have the brains or the courage to fight them. They're wrong. If they are doing this to me, they are doing it to others. This is elder abuse. They have been communicated with numerous times and now are offering to 'only " raise my payment by {$95.00} into an escrow account and are surely are hoping I am so beaten into submission I will just give up and go along with them. They're wrong about that too. I am today making a formal complaint to the Consumer Finance Protection Agency. 

This is not OK! They are telling me that they have to report me to the credit bureaus after 3 months of 'delinquent payments '. On the attached papers you can see I have made every payment on time. 

This comes at a time that I have had a serious and debilitating XXXX  incident while I was traveling in XXXX and was in the hospital for XXXX  days. I had to come home two weeks early and am undergoing therapy and tests. I want them to cease and desist from this harassment and want to know if I can sue for restitution for my time and suffering. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we booked an XXXXXXXX XXXX  through XXXX XXXX XXXX ( XXXX XXXX ) located in XXXX Fl. and paid {$200.00} deposit using our Visa Credit Card for 2 people to the XXXX XXXX for XX/XX/XXXX. 
Then on XX/XX/XXXX we paid the remaining Cruise balance of {$2700.00} on our MasterCard credit card. 
Then on XX/XX/XXXX we noticed a credit of {$260.00} on our MasterCard statement from XXXX ( XXXX XXXX XXXX ) Then on XX/XX/XXXX we noticed another credit of {$310.00} on our MasterCard statement from XXXX. 
Then on XX/XX/XXXX XXXX XXXX XXXX sent out an E-Mail stating that due to unforeseen circumstances they had to cancel the XXXX XXXX Cruise reservations and will no longer be working with XXXX. They stated they could not discuss the reasons. Do to the cancellations XXXX XXXX XXXX is requesting a full refund of deposits and any other monies paid. She stated refunds have been initiated through XXXX and they will be issuing refunds to all. The ONLY refund we received was the {$200.00} deposit on our Visa. 
After not receiving a Full Refund we on XX/XX/XXXX called XXXX and spoke to ( XXXX a Refund Support Team Member ) asking him why we had not received the rest of our refund in the amount of {$2100.00}. He ask for our MasterCard # and then stated that our Credit Card money was used for an XX/XX/XXXX cruise to Hawaii for someone else. He stated that's why there were ( 2 ) credits issued on our Master Card statement because the XXXX  cruise did not cost as much as the XXXX XXXX XXXX that WE had booked. He also stated there is no refund due because the Cruise has already happened. 
( So we the customer unwillingly paid for someone else 's Cruise ) therefore our Credit Card was used Fraudulently. In XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX was accused of committing credit card FRAUD. 
XXXX also stated that XXXX XXXX committed credit card Fraud. Faced with a financial mess XXXX issued refunds but not to everyone. Some customers were told there payments went for trips that had already sailed which included us and many others. 
We at this point contacted our credit card Bank ( Comenity ) and disputed the charge because our credit card was used Fraudulently and that they should refund the monies we're out. They denied our claim stating it was not Fraud because we had given our credit card # to the merchant. We tried a number of times ( with supporting documents ) to explain that our card was used for someone else 's cruise. They continued to decline. 
We paid for services ( cruise ) that we did not receive! 
We have ALL the documents to support our complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.
Product: Debt collection

I subscribed to XXXX for service. They lied and misled me on the internet i would receive. I told them from the start that i did not know migs and gigs of data, told them that there would be up to XXXX computers running at once and asked them if the data would last through the billing cycle, and they told me it would be plenty.. It was n't even close to enough. When i researched and understood gigs of data, they only allowed XXXX gigs per month. I went with XXXX to save money and it turned out that it would cost $ XXXX {$120.00} per month for internet alone. I tried to work with them and they wanted {$10.00} per additional gig which lasted 2-3 days at most XXXX gives XXXX gigs per month and XXXX XXXX. XXXX misled me and i feel cheated me so i canceled service and now they want {$1000.00} for canceling on them.They ripped me off
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported which are the results of identity theft and fraud. This fraudulent accounts consist of a XXXX  collection in the amount of {$3700.00} open on XXXX, and XXXX XXXX XXXX opened on XX/XX/XXXX This inquiry and account have resulted in several fraudulent accounts appearing on my consumer FICO credit reportI have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have recently been informed that there is negative information reported by the XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing with reference number XXXX filed on XX/XX/year>. 

The entry with reference number XXXX filed on XX/XX/year> with this court appears to be in accurate. 

Please verify and validate this information with the court and provide me copies of any documentation associated with account granting new access to report this information, bearing my signature. In the absence of any such documentation, bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I have contacted the United States bankruptcy court for the district of XXXX in person and via XXXX mail. Their response to me in reference to any credit reporting is that they are not a credit agency and dont report to any credit companies. There for I am demanding that this incorrect information be immediately removed from my credit report. 

Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed there is a negative account on my credit report that is not mine. 
It is affecting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedure ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
Creditor Name : XXXX - Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby required as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XX/XX/XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX -XX/XX/XXXX. our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get XXXX on the phone. 
XXXX XXXX XXXX has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XX/XX/XXXX. 
please help us as we can not get another loan for a house b/c of what XXXX ( now XXXX ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c XXXX was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have attempted to reach out to this company multiple times to no response.
Product: Checking or savings account

Hey I was inquiring about an issue that I have with Chase Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX. 

XXXX XXXX reports that I owe an an amount due of : {$170.00}, {$75.00} of which is the original amount and the rest being interest. I have not been sent proof of this, though it has been requested previosuly XXXX XXXX required that I put down a deposit of {$200.00} and when asking a representative of XXXX XXXX on a recorded phone call they stated that this deposit was not applied to the amount. There is no mention or notice of XXXX XXXX forfeiting their customers deposit without application to debts and is very intentionally misleading and/or even malicious as XXXX XXXX is intentionally reporting derogatory marks on my credit history without having applied the deposit I was lead to believe would cover a CREDIBLE debt on the credit should it not be paid at an appropriate time I believe there is a misreporting of the amount owed; XXXX XXXX Reported : {$170.00} owed to them however I believe this amount is not only incorrect, XXXX XXXX stated on a recorded line that they did not use my deposit of {$200.00} and stated on a recorded phone call that they will not use or return my deposit. XXXX XXXX is intentionally misleading customers, taking their money and negatively affecting credit even when I have repeatedly called XXXX XXXX and tried to work on a solution with them. 

As such I am now requesting XXXX XXXX, XXXX, EQUIFAX and XXXX provide me with detailed proof of the debts including specific information such as date and times of purchases, amounts for each purchase, location of purchase. I am also requesting XXXX XXXX return my deposit of {$200.00} or apply it to my supposed debt of {$170.00}. As a gesture of goodwill in the case of the latter I will consider the {$25.00} owed to me as unneccessary to return, if not I request the return of the full {$200.00} deposit. 

ADDITIONALLY I am requesting that these derogatory marks and items be removed entirely from my credit report ENTIRELY, including but not limited to removal from XXXX, EQUIFAX and XXXX. 

Please investigate this matter and please send me proof of debts, a return of deposit and/or application to any credible existing debt and delete the disputed and/or deragaotry item ( XXXX ) as soon as possible. appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you
Product: Credit reporting or other personal consumer reports

Toledo Finance account is charged off, its beyond 120 days & there updating on the credit bureaus as delinquent account for 30,60,90 days. I understand that I owe the money and I intend to pay it back. But unfortunately Im trying to get reliable transportation to help my family and this is destroying my credibility. Toledo Finance as well XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX account has been closed for several years and listed on my XXXX XXXX bankruptcy. They have me listed with an open account and recently updated there information status as XXXX days delinquent. That account dates back between XXXX approximately and filed on my XXXX XXXX bankruptcy. It was charged off and closed before the XXXX XXXX filing.
Product: Checking or savings account

Fraud charges through my XXXX XXXX XXXX account through zelle for {$500.00}
Product: Credit card

I have identity theft because someone opened a Kohls card in XXXX of XXXX without my knowledge. I would like to report this as fraudulent card and activity. I have called Kohls to report identity theft and closed the account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed an account that was not reporting accurately. I have XXXX thirty-day late payment for XX/XX/year> ( account number : XXXX ) which in fact was paid on time. There was a payment of {$25.00} made on XX/XX/year>. The consumers reporting agencies have an obligation to report all information with complete accuracy according to the fair credit reporting act. This account reporting is in blatant violation of XXXX fair credit reporting act and has not been late on payments Ive attached a copy of my report to this complaint. I demand this account be updated to on time never late immediately as required by law. Thank you for your understanding and prompt action.