23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Wells Fargo on XX/XX/XXXX when I receive the notice that they were going up on my mortgage from XXXX to XXXX. Effective in XX/XX/XXXX. Wells Fargo stated that I had again another shortage this is 4 the increase in payment I have been paying shortage for the last 2 years and the house isn't worth it. I submitted the application as told however this is effecting my credit they have taking the regular payment of XXXX. Plus the additional XXXX which will total the new amount XXXX they are still going to report me as none payment to the credit bureaus. Why take the consumer payment and not work with them as well as taking their money. Just advise foreclosure so the consumer can use that money they paidyhem to move. I am trying to work with this company and they shouldnt take any payments if you will not assist them when they are having financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are negatively affecting my credit report and costing me XXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Product: Checking or savings account

I am filing a complaint with Capital One Bank. They are withholding my direct deposit and not communicating with me, the consumer and customer. This will directly affect my credit score as I will not be able to play bills due to this issue. Capital One needs to dispense my direct deposit immediately.

This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant losses for millions including myself.
Product: Credit card or prepaid card

I did business with XXXX XXXX and charged it to my Bank of America credit card. They added a second charge for {$920.00} that I did not authorize or even tell me about. The charge is for towing my vehicle and is for {$920.00}. If they had approached me with this amount I would obviously have denied it as it is not only my responsibility but completely exorbitant. 
I reported this to the credit card company and they say that the charge is to a third party, because my insurance coverage with " XXXX XXXX '' was supposed to pay it, but XXXX XXXX would not pay it because they said it was not authorized because of the high price. I would have told XXXX XXXX the same thing IF they had contacted me and told me they were going to charge me that amount for towing. 
The bottom line is I NEVER authorized XXXX XXXX to make this charge to my account. I was never even informed by XXXX XXXX that they were going to charge my account. Merchants are not allowed to add charges to a credit card " just because they want to '' without the consent of the credit card owner.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are late payments on this account ( XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

MUFG Union Bank NA is reporting my mother 's credit information on her XXXX  XXXX account with XXXXXXXX XXXX  when I am only an " authorized user ''!!!. so far I know of it being reported to XXXX only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXXXXXX XXXX and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX XXXX XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to MUF Union bank N.A. to immediately decease from reporting my mother 's MUF Union Bank visa account on my credit reports!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  has failed to provide me with information to verify debt .I have no knowledge of this account .This account is in direct violation of my rights. Per FCRA : 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. I demand the permanent deletion of this account from all consumer credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was not opened by me it was no opened by me I went into the XXXX bank branch  ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian
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 Account Number : XXXX and list of Inquiries. 

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: Debt collection

I pulled my credit report and Paragon was listed in collections. I have never received anything from them about a debt, and I do not owe them.
Product: Mortgage

We have had a lot of trouble with Nation star mortgage. we had to hire a lawyer a couple years ago to resolve some issues. We have been making our payment within the standard period on the XX/XX/XXXX or XX/XX/XXXX of every month for years. every mortgage company has a deadline of the XX/XX/XXXX for payments. there are even financial advice columns about making sure you pay no later than the XX/XX/XXXX. after much research and a phone call with nation star i have discovered that this bank ( the only XXXX i can find ) actually has a 10 day period.. this company has been very confusing and hard to deal with. i have never heard or known of anybody who does n't know about the XX/XX/XXXX being the last day to pay. so even though they say now that there policy changed it is extremely shady and had we known we would have been paying on the XX/XX/XXXX. why would we always pay by the XX/XX/XXXX if we were knowingly late. so they give a grace period that is not the standard 15 days and now we are being forced to pay {$1800.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because XXXX, Equifax, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL reporting inaccurately and these COMPANIES is still continuing to report errors on my credit file, which is causing damage to my credit file! Equifax, XXXX, XXXX advised me that they verified XXXX  XXXX Bankruptcy, using my XXXX XXXX  Public records! XXXX XXXX did advise that they are not reporting this information. So how is these companies verifying these accounts? They are VIOLATING all of my rights according to 15 U.S.C 1681 section 604 A I have the right to privacy! 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 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.

I have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : 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

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED XXXX different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Send payment from XXXX cause i have XXXX dates on payment received should only be on last payment date & not charges to the account bank name or route number Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report, i have found numerous inaccurate names, aliases, and address do not belong to me. I want to ensure that you are onlynretaing and reporting true, current, and accurate information on my credit report per FCRA regulation and i demand, as my lawful right, for names and addresses that i have listed below must be removed immediately as they are not accurate and untrue.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 Experian 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 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: Prepaid card

Rushcard..A supposed update that was to be completed in XXXX hours has left me and many other customers with XXXX access to or funds and deposits. I am being evicted because of this and still do n't have money to move or feed my family even. I want my money and compensating in the form of first months rent and deposit on a place to live and some groceries!
Product: Money transfer, virtual currency, or money service

I was promised two tickets to a football game and did not receive any tickets once I paid XXXX dollars over XXXX. I was scammed by a women with the email address of XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

Equifax : XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXX/XX/XXXX Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX : XX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I was notified via mail that Caine & Weiner Company , Inc was attempted to collect a alleged debt on the behalf of XXXX the date on the letter was XXXX giving me a deadline to contact them to dispute online by XXXX. I sent email on XXXX @ XXXX EST to dispute alleged debt and requested that company verify and validate debt. In that dispute notification, I advised once I recieved documentation to allow me 30 days to review and respond for accuracy. I got a response from XXXX XXXX a rep from Caine & Weiner, advising that company has notated my file and they would be requesting additional information on the balance from their client. The communication said once they recieve they will forward the information to me. I wasn't contacted again until XXXX and in that communication, all I recieved was a final statement that was attached in the email and that my account was noted for dispute. On XXXX, I recieved another email from XXXX XXXX, stating she was reaching out on the behalf of progressive and to conact or email the office back for resoultion. On that same day, Caine & Weiner sent file to credit reporting agencies reporting balance as a collections. Caine & Weiner are in violation of 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 resonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2. States, a consumer reporting agency can not furnish account information without my written consent.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 


EQUIFAX : EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Account Name : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX CO ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.