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

I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove late closed and charged-off accounts from my credit report. Despite numerous requests and efforts on my part, these derogatory marks remain, significantly impacting my creditworthiness and financial standing. 

To provide context and a timeline of events : In my initial communication, I provided detailed information and documentation to support my claim that these accounts were inaccurately reported and should be removed from my credit report. 

Despite assurances of resolution, no action has been taken to rectify this issue. 

Frustrated by the lack of progress, I made subsequent attempts to have these derogatory marks removed from my credit report. However, each attempt has been met with delays and unsuccessful outcomes. 

The presence of these inaccurately reported late closed and charged-off accounts is significantly impacting my creditworthiness and financial opportunities. I have diligently followed the necessary procedures to address and rectify this issue, yet it persists, causing undue hardship and frustration. 

I urgently request that you take immediate and decisive action to investigate and remove these inaccurately reported accounts from my credit report. I expect a swift resolution to this matter, including the complete removal of all late closed and charged-off accounts within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

If the inaccurately reported accounts are not removed from my credit report within the specified timeframe, I will have no choice but to explore further avenues of resolution, including seeking legal remedies to protect my rights as a consumer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. 

Please treat this matter with the urgency and seriousness it deserves. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX  XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX XXXX : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card

I was advised by the credit card company in XXXX, XXXX that my card had been compromised and they cancelled that card and reissued a new card. Statement for XXXX shows charges and refund amounts. There were XXXX charges no refunded for a total of XXXX that were charged on XXXX XXXX. I called the credit card company and they told me to wait a little longer. In XXXX, I send a letter to Synchrony Bank Legal Dept about the XXXX charges. I received a letter back to wait XXXX to 8 weeks again. Neither of the charges were removed. In XXXX, XXXX, I sent another letter and received the same form letter back from them.. Nothing has been done yet. Charges were to XXXX for {$410.00} and to Lowes for {$210.00}. I have been paying interest on this amount for some time as I did not want to pay for amounts I did not charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that has been released
Product: Credit card or prepaid card

There is a credit balance on my account, I have not been able to get it refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX Amt {$1000.00} XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  - Acct # XXXX Amt  {$67.00} XXXX XXXX- Acct # XXXX Amt {$0.00}
Product: Credit reporting or other personal consumer reports

I never heard of Aidvantage but they are on my credit report XXXX times. 
I received a list of XXXX student loans that I have no knowledge of and are on my credit report. I have been out of school for XXXX  years and Aidvantage says I have loans since XXXX. I have never heard of Aidvantage. XXXX says they sold none. I called and asked for proof & account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I do not know who this is. Therefore I do not remember signing a contract with this company. I have requested that they provide me with the contract I signed with sunrise credit services. As well as proof that they are authorized to operate in the state oif Florida. To see accounting statement for this account. And to see on and off ledger on both private and public side. But until I have recieved anything of sorts, I have requested that they stop reporting and let me opt out as my right of a federally protected consumer per the FCR8.
Product: Credit reporting or other personal consumer reports

I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX, XXXX, Transunion, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.
Product: Debt collection

FTC Report NumberXXXXDESIGNED RECEIVABLE SOLUTIONS has placed four unauthorized collections on my credit without notifications. Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) 18 U.S.C. 1028A : Aggravated identity theft. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect this debt in my state.Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations.You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports.This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. This is identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to XXXX XXXX. You are cows to be milked.
Product: Credit reporting or other personal consumer reports

Transunion Is reporting inaccurate and incomplete information on my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX 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: Mortgage

In XX/XX/XXXX I executed a promissory note and mortgage in favor of XXXX XXXX XXXX  in the amount of {$670000.00}. The loan was a " pay option '' ARM, whereby if the monthly payment was less than the interest-only payment, the unpaid interest would be added to the principal. If the payment was more than the interest, the excess would be applied to reduce the principal. 

The loan was ultimately acquired by XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  was the trustee, who initiated foreclosure proceedings against me after I defaulted on my payment obligations under the Note. 

In XX/XX/XXXX Nationstar Mortgage was assigned as the loan servicer, taking over as prosecutor in the foreclosure proceeding. The original foreclosure trial date was XX/XX/XXXX. As of that date, Trust records showed that the unpaid balance of the loan was {$680000.00} including unpaid interest that had been automatically incorporated into the principal. 

The trial date was reset to XX/XX/XXXX. On the morning of the hearing, I consented to a final judgment of foreclosure in the amount of {$680000.00} principal plus {$23000.00} taxes paid + {$54000.00} insurance paid = {$760000.00}, in exchange for an extended sale date. However, when our case was called Nationstar swapped-in a different proposed " consent '' final judgment, which its attorney slipped to the judge face-down, and which specified a total of {>= $1,000,000}, which was {$240000.00} more than I had agreed to pay. 

Nationstar had illegally modified the terms of my loan agreement by adding fixed-rate interest of {$140000.00} dating back to more than a year prior to the foreclosure initiation, plus I later learned that Nationstar had made a {$60000.00} unauthorized withdrawal from my Trust account a few days prior to the foreclosure hearing, and it charged me {$41000.00} for for windstorm insurance, which was specifically excluded from my loan agreement with XXXX.
Product: Debt collection

In XX/XX/2011, Wells Fargo Bank was awarded a civil judgment against XXXX XXXX and XXXX XXXX - two individuals residing in XXXX XXXX who had used my Social Security Number to obtain financial products and services with Wells Fargo. In other words, this is a wrongful civil judgment due to the aforementioned identity theft. I have attempted to resolve the matter with Wells Fargo, the Internal Revenue Service Taxpayer Advocate Service and the tax authority in XXXX XXXX - all to no avail. I have also fired two police reports in XXXX XXXX connected to XXXX and XXXX. 

Case Type : Liens/Judgement Type : CIVIL JUDGMENT Origin Filing Date : XX/XX/2011 Agency State : Info Pending ... 
Irs Serial Number : Info Pending ...

Origin Filing Number : XXXX Filings Number : Info Pending ... 
Amount : {$4500.00} Agency : WELLS BANK Agency County : XXXX, CA
Product: Payday loan, title loan, or personal loan

Wasnt told told the interest or amount was expected to pay back. Took a {$1000.00} loan and wasnt told percent of rates and installments till after was given the money. Already paid back over {$2000.00} and they want {$2000.00} more. They not putting money on the loan just interest. Pay them {$270.00} twice a month for four months so far and no where near being caught up. Should be paid off by now. Want to end this loan and not effect my credit. Is a scam or should be illegal
Product: Checking or savings account

I have requested that Citibank close my account on four separate occasions. Each time, a representative confirmed that the account would be closed. I was told to withdraw all funds from the account as part of the closure process, which I did.

Despite following their instructions and being assured that the account would be closed, Citibank has failed to do so. They have continued to keep the account open and are now charging me fees due to a low or negative balance, even though the account was supposed to be closed and I removed all funds at their direction.

This has caused unnecessary stress and financial frustration. I have made every good-faith effort to resolve the issue directly with Citibank, but they have failed to take appropriate action. I am requesting the CFPB 's assistance in ensuring the account is fully and permanently closed, that no further fees are assessed, and that any fees charged after my initial closure request be reversed.
Product: Checking or savings account

I paid off an old mortgage with Wells Fargo on XX/XX/XXXX. At that time, I also had a checking account that I was using to make direct deposits, move funds over via ACH, etc. I opened a new mortgage with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo abrupbtly closed my account with no warning. On XX/XX/XXXX, my company attempted to make a direct deposit to my account for {$1000.00}, which caused the ACH to be rejected, since Wells Fargo had closed my account. This caused me great strife having to contact various departments in my company to reverse the ACH, as well as establish a new relationship with another bank due to having no where to send this part of my payroll. I nearly missed mortgage/credit card payments, too. I called Wells Fargo to ask for an explanation. The only response I was given was, " You no longer have a mortgage with Wells Fargo. '' This was clearly incorrect, as I had already opened one with them ( my current mortgage ). I spoke to a supervisor, who was equally less helpful. They offered me no support or anything to rectify the situation. I am deeply troubled by this pattern of behavior at Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against Equifax Information Services, LLC. On XX/XX/XXXX, I disputed the validity of the payment history for the XXXX XXXX XXXX XXXX - XXXX XXXX  account. 

On XX/XX/XXXX, Equifax advised that my disputed information has been verified as accurate and other account information was updated. 
Can you please advise how it is accurate that this account was current in XX/XX/XXXX, and then charged off in XX/XX/XXXX? 
Can you please advised how the account had a balance of {$1200.00} in XX/XX/XXXX, a payment of {$160.00} was made, but the balance did not decrease and remained at {$1200.00} in XX/XX/XXXX? The subtraction methods I learned in school seem to say otherwise. 
I have attached my previous dispute from XX/XX/XXXX, the Equifax response, and an updated credit report from XX/XX/XXXX. 
This appears to be a violation of the FCRA and I hoping that you will be able to provide assistance with getting this matter resolved. 
It is extremely petrifying and concerning that I dispute inaccurate and incomplete information, its verified as accurate and then MORE inaccurate information is reported. DELETE this account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00XXXX XXXX XXXXBankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Debt collection

Hello FFR ; CFPB : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of Education, XXXX XXXX, and all 3 Credit Bureaus are reporting that I attended XXXX XXXX. I have never attended XXXX XXXX, I even reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX  in regards to this matter they stated that they do not have any record of me ever attending their college. On XX/XX/XXXX  I have disputed this on my credit report several times and I have reached out to the US Department of Education as well, which they have given me wrong info in regards to this matter asking me do I live in Virginia I have never lived in Virginia, and I have never used the user name for the account on the studentaid.gov site. It shows I owe {$20000.00}, this has been a pitfall on my credit report for years. I have been fighting that I never attended XXXX XXXX XXXX XXXX and seems as though they don't care. I need this resolved ASAP Thanking you in advance, Victim
Product: Credit card or prepaid card

American Express advertised and emailed me a promotional offer for XXXX XXXX points when I opened a new credit card with them and spend {$2000.00} within 3 months. I applied for the card in late XX/XX/XXXX and opened it successfully, nowhere in the application process did they mention the promotional offer would not be available for me. 

I have now successfully paid the {$2000.00} but Amex refuses to offer me the points. 

I have text evidence from early XX/XX/XXXX where an American express representative confirmed the bonus amount on my card. Now today XX/XX/XXXX when I checked with American express they claim retroactively that I did not qualify, which I believe if both a lie as well as fraudulent advertising. They have already charged me close to {$100.00} in annual fees and earned many dollars from their merchant transaction fees on my account.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have collection on my account and not supposed to be on there XXXX XXXX XXXX XXXX bankruptcy should not be on my report
Product: Mortgage

Freedom Mortgage bought my loan from XXXX. I set up auto pay. Two months in a row my mortgage were deducted from my bank account, but Freedom Mortgage says they returned them due to an " account number discrepancy '' yet the monies were not returned to my bank. Now I am two months behind on my mortgage and missing XXXX. I contacted Freedom Mortgage repeatedly with absolutely XXXX positive results.