23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and it has come to my attention that XXXX, EQUIFAX and XXXX has violated my rights. XXXX ran an unauthorized credit report on me on XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX  XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX. Equifax ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX, XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX XXXX. And XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXX, XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX and XXXX XXXX. 

Inaccurate information on my consumer credit report Addresses, Names, Phone numbers off my report as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA 15 USC 1681e ( b ) since they are inaccurate. 

I did not authorize such an inquiry and demand that you contact XXXX, EQUIFAX and XXXX also I contact XXXX, EQUIFAX and XXXX in writing to update and correct my personal information on file with your company. 

In accordance with the fair credit reporting act, XXXX, EQUIFAX and XXXX. they have not ubdated my information yet, they has violated my rights. 

-15 USC 1681e ( 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. 

-15 USC 1681 section 602 A. States I have the right to privacy. 

-15 USC 1681 section 604 A SECTION 2 : it also states a customer reporting agency can not furnish an account without my written instructions. 

15 USC 1666 B : a creditor may NOT treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

15 USC 1681e ( 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.
Product: Mortgage

After contacting Wells Fargo to obtain some information about the loan ( insurance payments, escrow payments, tax payments ). 
The fallowing month my escrow account was emptied of XXXX ; and my payment went up XXXX a month with No increase in taxes, and a XXXX ( XXXX ) a year increase in insurance. 
I have contacted Wells Fargo numerous times and was given different explanations three times by XXXX XXXX. 
I finally received a letter that did nothing but show the increase with no explanation for the cause of such a substantial increase in my monthly mortgage. 
I have yet to receive any letter showing why Wells Fargo emptied the escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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. 


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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that experian credit reporting to re investigate a bankruptcy that was placed on my credit report in error or by fraud they are refusing stated they have investigate information in past i stated that information was recived by experian was from a third party ask them to do a re investigation on this matter they continue to refuse and continue to report inaccurate information that 's not 100 % accurate as the FAIR. CREDIT REPORTING ACT states in complete violation of section 604 ) ( 605B ) ( 609 ) and ( 611 ) they are stating they will not investigate due to 611 of above sub section of Fair credit reporting act
Product: Debt collection

On    XXXX   XXXX   XXXX     ,  Ability Recovery  reported a delinquent debt on my credit. I had no knowledge of this debt nor any information about where this debt originated, nor the time frame. It only appears through    XXXX   XXXX   .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. Equifax and XXXX has not provided me original contracts with my signatures and they failed to reply to be with the XXXX  days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.
Product: Mortgage

Nationstar also known recently as MR Cooper is servicing my conventional home loan. on the XX/XX/XXXX it was brought to my attention that late payments were being reported even though money was being withdrawn from my account. Later that day, my son and i called to learn more but we were told to put the request in writing with all 3 credit agencies a long with supporting documentation. We then did exactly that. I recently received responses from all 3 credit agencies stating that the information reported was verified as reported, therefore no change was made. Id like to have my credit report updated to reflect the fact that i was not late. i made payments timely and it was not brought to my attention in any which way.
Product: Credit card

I paid Avant {$30.00} and {$35.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX {$20.00} which the monthly payment is $ XXXX Avant payments due date is the XXXX of each month. The Avant one time annual payment was {$39.00} and the Avant recurring monthly payment is {$25.00} = {$64.00}. Then I paid an extra {$25.00} on XXXX Avant put down a late payment charge when my payment was not late. 

Now Avant claims I owe {$15.00} of late payment. 

Avant is trying to fraud me and I am furthering to file a fraud complaint with FTC and the Department of Justice. They are trying to enrich themselves and frauding customers!
Product: Mortgage

Here gors the story again, I paid ocwen XXXX off my principal in about XX/XX/XXXX, They post it minus the XXXX to principal witch is my payment, I also was told by some tech to apply an extra XXXX to principal, next day it shows up in escrow, then at that time all my payments are made to principal.They get them self off the hook and reverse everything to P & I but still apply everything to principal and as you know that can put me into a fore closure situation, than i must off gotten them reL XXXX, i GOT out of escrow.Paid by XXXX XXXX IN THREE DAYS & lt ; XXXX and change.Now they are still applying everthing I pay to principal only, I has to get to an ombusmen to get that changed after, this five months of reversal ofl hell.I have XXXX doc on these people, saving you the time.next great one, they add XXXX to escrow, tech says it has something to do with tax, well i have no escrow i guess cause I complain ed conviently they change that to a renibursement which was done well over a week ago and i have not seen my money.They have not reported me to the credit agencies right, they say my due date is the XX/XX/XXXX/my due date is XX/XX/XXXX/th ey had one of thier techslie and say we report that on your grace day, well that is XX/XX/XXXX.my due as it stand s is XXXX/XXXX/2015 unless they change it ( IT says XXXX XXXX ) .here is a list off thier instutial owners, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, very powerful ones, that pull Ocwen 's string as Ocwen pulls mine , I wish you to report this all over the internet and to all that can help, the third party servicing is fine but since they allow, they are all part of this, i can care less what they do to me, maybe instead off these litigation, we can go civil.i do not know if this works, but they are killing peo ple all over the place, i just need someone with the courage to put them in thier place, by the way they con tinue to buy time for they send me a letter and tell me it will be XX/XX/2015.You see what i mean.Remember, i have saved app XXXX SAVE MAILED DOCS FROM THEM, I CAN FAX THEM ALL TO YOU, BUT I AM SURE YOU HAVE LOTS MORE TO DO, TOO BAD A ROTTEN APPLE HAS TO STINK UP THE, REST, SINCERLY, XXXX XXXX, Ps i have proof they post date, they di not even inform me my escrow was to go from XXXX to XXXX, they have broken all the laws!!!!!!!!!! oh afte the ca oversite commitee had them reverse all those payment up to XX/XX/XXXX, they continued to do principal only!!!!!!!!!!!!!!!!, like I said i can fax it all to you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana XXXX XXXX DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Currently dealing with Wells Fargo Bank in XXXX XXXX California, I am writing this because on Tuesday XX/XX/XXXX I filed a dispute for 16 unauthorized transactions totaling up to over {$2000.00} on my Debit Card. It is now XX/XX/XXXX and I have just gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the Gentleman proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in 4 business days which would be XX/XX/XXXX. Im writing this to try and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family for the time being. I am sick to my stomach about this matter and I just want it resolved. Please help. Thank you
Product: Money transfer, virtual currency, or money service

I am executor for a relative with an account at Coinbase. 
I have been trying to move the funds from his account to a new account set up for the heirs. 
I have provide all documentation and have spoken to XXXX different cs persons and all say it must be handled by a specialist.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes which exposes significant flaws and gaps within the Zelle platform. Despite having used Zelle multiple times without issue, I encountered several discrepancies with some of my more recent transactions. When I reported these concerns to my XXXX account representatives and Zelle, neither took sufficient action to investigate my claims. I was told that recovering the lost funds was not possible and that tracking the transactions was beyond their capabilities. 

The findings from the CFPB investigation reveal that Zelle has not only failed to protect consumers but has also allowed fraud to repeatedly expose the system, leaving users just like myself, highly vulnerable to scams. This lack of urgency, care, and effective oversight, accountability, and transparency is troubling to me. It raises serious questions about Zelles commitment to consumer safety, and highlights the need for stronger and more effective protections for users in order to prevent further exploitation.
Product: Debt collection

The cable company XXXX XXXX has sent XXXX different collection agencies after us on a bogus bill ( although they keep changing the amount owed ). 

The bogus bill concerns cancellation costs that we were assured would not occur when we took out the contract. The first collection company accepted our documentation, but the second persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

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

two fraudulent accounts were being reported on my credit as having a balance due with XXXX XXXX. i disputed the items with all credit bureaus including XXXX. the accounts in contest were deleted from my XXXX report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to XXXX, and to XXXX XXXX through XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my lawful dispute of inaccurate information on my credit report, Equifax has failed to remove both incorrect addresses and an erroneous late payment within the required timeframe. More than 30 days have passed since my dispute was submitted, yet I have received no response or resolution a clear violation of federal law. 

On XX/XX/year>, I formally disputed the inaccuracies and late payments. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation and correct or delete any information that can not be verified within 30 days. Additionally, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. 

By failing to address my dispute within the legally mandated period, Equifax is in direct violation of these statutes. This negligence has caused me measurable harm, as the false late payment has negatively impacted my credit score, and the presence of incorrect addresses raises concerns about potential identity theft or misreporting. 

I am formally requesting the CFPBs intervention to : 1. Compel Equifax to comply with the FCRA by promptly removing the unverifiable addresses and inaccurate late payment from my credit report.

2. Investigate Equifaxs failure to adhere to federal law and take appropriate enforcement actions to prevent further violations.

3. Ensure I receive written confirmation from Equifax detailing the actions taken to correct my credit report.

Equifaxs inaction has caused me unnecessary financial and emotional stress. I am counting on the CFPB to enforce the law and hold Equifax accountable for its non-compliance. 

Thank you for your time and attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

Had a business credit card and business assets with wellsfargo. Small business. The company folded at which time we found an employee had run up debt on the credit card. Was called several times by wells and we explained we were pursuing compensation for the debt and selling assets, but we had to resolve before we pursued. Was advised to hold off paying. Lawyer filed paper work with Wells branch explaining the situation. Wells debt collector called and said they had to be paid. I said I needed to speak to my attorney and would get back to her on how we thought we would resolve. After that phone call the agent withdrew the money from XXXX of the partners wife 's account. He has a separate account at a separate bank. When I called the debt collector she said she was angry because I hung up on her and she could do what she wanted. 

I asked for name or agent number she refused to give. Asked to speak to her manager and he also refused to give a name or agent number. Advised we would be removing all accounts said they did not care. 

Called the branch and they had the paper work filed by lawyer but apparently had done nothing with it.
Product: Debt collection

I was contacted by a debt collection agency called Apex Recovery Services. They have contacted me by e-mail and phone and have accurate personal information about me including my date of birth, my address, my Social Security last four digits, and phone number. They are saying that I owe {$1500.00} to XXXX XXXX XXXX. I have not ever applied for a loan through this company and this money was transferred to an account which I do not own from a XXXX XXXX XXXX XXXX  with the routing number ending in XXXX, and bank account number ending in XXXX. They said this was an online application and are collecting the debt for the above amount. This does not show on my credit history as a loan or any type of account. I also have my credit frozen on all three credit bureaus so I do not believe the debt collection agency is a legitimate company as I can not find them on XXXX XXXX XXXX or any other source.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> per Certified mail # XXXX a letter requesting that the company claiming that there's a debt owed validate such claims. I requested the company to provide any information to prove such claims with as well as calls to follow up in XXXX to absolutely no avail.