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

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$250.00} I will not stand for this level of incompetence from your company. It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy otherwise remove this from my credit file. If you fail to do so, I will not hesitate to take legal action against your organization. 

XXXX XXXX Balance : {$8700.00} I need to dispute charge off accounts that are still being reported on my credit file with still has a balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct # XXXX shows incorrect XXXX day late payment for XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX 's that they had sent a correction to consumer reporting agencies. I have contacted Experian several times as well ( XX/XX/XXXX & XX/XX/XXXX )
Product: Mortgage

I am the XXXX for buyers of XXXX XXXX XXXX, XXXX, PA XXXX. By contract, settlement dated for XXXX XXXX, 2015 and buyers are financing FHA. 
XXXX XXXXPNC, XXXXXXXX is the PNC loan officer and assured me that XXXX XXXX, 2015, was workable. 
Nothing but excuses concerning getting the appraisal in. Buyers satisfied ALL conditions weeks ago. 
XXXX more settlements come after XXXX. All XXXX settlements were clear to close last week with XXXX different lenders. The second in line was FHA, too, and was clear to close last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

DataX refuses to remove inaccurate information, be it personal or outdated inquiries. Per FCRA guidelines any inaccurate information is to be removed. Furthermore FCRA guidelines state that inquiries are only allowed to be reported for 24 months. DataX refuses to remove inaccurate personal information and refuses to remove inquiries 24 months and older. DataX is also reporting my banking information that has no permissible purpose and does not have my permission to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX through XXXX. When my lease was up this past XXXX, I leased a XXXX XXXX XXXX XXXX through XXXX. The dealership purchased the XXXX XXXX and paid it offbin full. XXXX  showed the payment for the month of XXXX as being over XXXX  days past the due date on the XXXX. That " late '' payment affected my XXXX XXXX and dropped it significantly. 

I don't know what to do to get my XXXX XXXX back up. It went from XXXX in XXXX to XXXX last month
Product: Mortgage

My loan was apparently sold from XXXX XXXX to Loan Care XX/XX/XXXX. I have for the last 25+ years had my taxes escrowed and received the check XX/XX/XXXX to pay them before XX/XX/XXXX. At XXXX time I contacted Loan Care and asked about my check for taxes. They were going to look into it and get back to me. I again called before the first of the year and they told me they were waiting to receive the tax bill from my municipality Treasurer. I spoke with him and he said that was not a true statement and I was the only person they send the bill to. I again called them and they again said they would look into it and get back to me. Again, they never got back to me. I called after the first of the year to get the same song and dance from them. This time I wrote down the persons contact number and she said I had to send a request to change my escrow because it was marked to be paid to me XX/XX/XXXX. I talked to my mortgage lender that I does my financing and he said in his 20+ years he has NEVER checked box XXXX to have anyone 's escrow paid in XX/XX/XXXX and they were lying with the statement they gave me. I did send the email requesting they change my escrow to be paid to me in XX/XX/XXXX and I have a copy of it. They were to get back to me and of course they did not. 
I filed a complaint with the XXXX on this company and I was told that they would respond again within 10 days, that was now over three weeks ago and I have not heard a word from anyone. After talking with an attorney, I was recommended to contact you about my situation. My mortgage lender told me he was getting several complaints from others who had the same issues with the same company " Loan Care ''. 
I have busted my XXXX to maintain a perfect credit rating even with the divorce I went through three years ago. I had to personally pay nearly {$3000.00} in taxes out of my savings to avoid being delinquent this year. I have still not received a phone call or a check from Loan Care and they also have my insurance in escrow so I can just imagine how that is going to play out next month. I hope you can go after these people and fine the XXXX out them for what they are doing to the consumer. Please help me get my money back from them and I hope you can put an end to their unethical practices! 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am told changing my automatic payment with Wells Fargo is no longer possible with external accounts, so I resorted to manually making payments through their online portal. On XX/XX/2023, I paid the full amount due on my credit card. However, on the same day, Wells Fargo debited my savings account for the minimum payment and an over limit amount. Unfortunately, my non-Wells Fargo savings account did not have enough funds to cover both the full payment and the additional amounts. 

I was informed about this issue on XX/XX/XXXX by my bank where my savings account is held. To resolve the problem, I contacted Wells Fargo via phone and requested either the removal of the minimum payment and principal payment or an adjustment of the amount I initially initiated ( the full statement balance ) to account for the difference between the minimum payment plus over limit amount and the full balance. However, Wells Fargo prohibited me from making any changes to the payment. 

Additionally, when I attempted to add funds from another account on XX/XX/XXXX to avoid interest charges, I was also prohibited from doing so. On XX/XX/XXXX, I called Wells Fargo regarding the interest fee, but my concerns were ignored. No follow-up, email, or correspondence was sent to me regarding the approval, denial, or explanation of the interest charges. 

I will consider this issue resolved when I receive a full refund of the interest charged and when my full credit limit is restored. Currently, I am unable to access my credit line because Wells Fargo requires a letter from my savings account, on bank letterhead, confirming my ownership of the account.
Product: Debt collection

I switched cable companies end of XX/XX/XXXX due to XXXX not being able to accommodate my situation and provide a better package deal. I explained that my husband had recently lost his job and I needed to find a lesser package deal. I had XXXX ( showing as XXXX XXXX ) for 5 or 6 years and never missed a payment! I would have received a bill in XX/XX/XXXX and they sent me to collections in XX/XX/XXXX. How? That is unfair. I did not receive proper notice that I was being sent to collections! They didnt even give me ample time to pay the bill! They were unfair due to me switching companies. I feel that was their agenda. Its abusive to affect my credit without properly notifying me and allowing ample time for me to pay the debt. I contacted the collection company, Waypoint, and made 2 payments. Then, they hit my credit! This all happened within a matter of a couple months!! I switched service end of XX/XX/XXXX, how am I in collections in XX/XX/XXXX? I contacted the company and the collection company and kindly asked them to remove the credit hit and I would gladly pay the {$90.00}. They refused. I hear horror stories about these cable companies, however, I was always a great paying customer for years! They sure wont do anything to keep your business, but if you decide to leave for better deals, this is how they will get you! Unbelievable.
Product: Debt collection

I have previously disputed this account with XXXX and XXXX, and they have promptly acknowledged an error in their records and removed the account from their databases. However, to my surprise, this account still appears on your credit report. I am confused and concerned about the inconsistency between the credit bureaus and request that you investigate this matter thoroughly. I insist that you delete this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. Furthermore, I want to emphasize that I have been a victim of this inaccurate reporting, and I am unsure why your credit reporting agency is not complying with the law. The other bureaus have followed suit, and it is perplexing why this issue persists with your agency. I appreciate your prompt attention to this dispute and expect a timely resolution in compliance with the Fair Credit Reporting Act ( FCRA ). Please confirm in writing once the necessary corrections have been made. ACCOUNT INFORMATION : XXXX XXXX XXXX Opened Date XX/XX/2018 Balance {$0.00}.
Product: Student loan

Three weeks ago I sent in {$100.00} for a payment its still NOT processed and the balance keeps clocking away against me. {$50.00} 2 weeks ago still not processed and of course the {$50.00} a week ago is still not processed. Its amazing that three weeks can pass and the payment is still not processed onto the balance and the bank benefits with the higher interest while not processing payments mailed in weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED CORELOGIC, CREDCO, AND SPOKE WITH XXXX, SUPERVISOR. HE KEPT INSISTING THAT THEY DO NOT PROVIDE REPORTS AND I HAVE NO PATHWAY TO OPT OUT OR FREEZE MY INFORMATION. HE WENT ON TO STATE CREDCO IS NOT A REPORTING AGENCY, HENCE, THERE IS NO WAY TO OPT OUT. HOWEVER, I READ TO HIM THE LANGUAGE CONTAINED ON THEIR WEBSITE WHICH CONVEYS THEY SHARE INFORMATION TO SPECIFIC INDUSTRIES. I HAVE THE ENTIRE CONVERSATION RECORDED AND HE WAS MADE AWARE OF THE PHONE CALL BEING RECORDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on black market sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove the listed account below from my personal credit file : MEDICAL - Acct No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft AVANTUS LLC Account Number : XX/XX/XXXX This is not mine.
Product: Checking or savings account

This is the second time I have had this issue with this Bank. 

The problem is that they keep posting transactions in ways such that I will have an overdraft. 

Just two weeks ago, I paid my phone bill on a Friday when they were funds available to the account. 

The amount was {$170.00}. 

It stayed in the pending status for a couple of days, and then another transaction came through and they hit me with overdraft fees for, I believe two transactions. 

Just this Friday, a credit card payment was scheduled in the amount of {$38.00}. 

That means that the money was supposed to come out of the account at midnight on Thursday. And this payment was scheduled with the credit card company 3 days before the transaction was supposed to happen. 

In practice, what happened is they waited until Friday or Saturday night to post the transaction, at which point the account went into overdraft. 

If the payment had been set up for the proper time, then it would have taken away from the available balance on the account and the issue would have been solved.
Product: Debt collection

We have no record of a contract or an official agreement signed with this company, Pro Collect for the amount of XXXX. Pro Collect has placed false information on the credit report. For this is perjury by the assumptions, presumptions, fictitious-language.
Product: Credit card or prepaid card

After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

This letter is in response to your collection on my credit report which was opened on XXXX XXXX, XXXX. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {XXXX payable to COLLECTION BUREAU OF FT in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of COLLECTION BUREAU OF FT. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act
Product: Credit card or prepaid card

On XX/XX/2022, I fully linked a new checking account with Capital One 's system to use for future payments. The document " All done! Your accounts are now linked '' confirmed the account was setup and ready for use. The payment of {$1000.00} was initiated to zero out my account. Since this was a freshly linked account, I was very careful to correctly select the new account instead of the default account when manually making the payment. I received a conformation email for the payment confirmation and that it was in process. 

There undisclosed was a hold of an unspecified amount of days placed upon my payment from my checking account with XXXX XXXXXXXX XXXX to Capital One. This hold was placed on my account a few months back but I'm not sure exactly when are Capital One won't tell me. The payment is generally fully processed from XXXX 's side within 1-2 business days after I make the payment. Capital One 's hold on my account was unjustifiable and I was not notified in any way that a change or hold was even placed on my account until I realized it was taking longer than usual to access the paid funds. 

On XX/XX/2022 My Capital One account had some fraudulent charges that are currently being investigated. A Credit of {$320.00} which gave me enough credit to start using my card again as I wait for my payment to through. 

on XX/XX/2022 the credit I was given and was given a few days earlier became available. I used my card a on a few small transactions and my card was deactivated and closed down. I called Capital One to understand what happened to my account in which they informed me they terminated my account. The rep I spoke with advised for me to payoff the {$770.00}. Capital One also charged me a late fee on my account and this did incur interest. She also advised after the payment posts, to call back to begin the investigation process as to where the error occurred. 

After this conversation, I called back on XX/XX/2022 after the payment was posted and I was transferred to the collections department. The rep could not assist in initiating an investigation. I requested to be transferred to a customer service rep who could initiate the investigation. All reps were uncooperative in initiating my request of this investigation into the closure of my account which is another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. Flagship Credit Acceptance is not reporting the correct loan amount on all major credit bureaus.
Product: Checking or savings account

Citibank called me today to tell me my free savings account was overdrawn. I asked how could it be overdrawn. Citibank said that my free savings account now cost {$15.00} per month. I told them I was not going to pay this fee and they can close the account. 

I have an existing business account and Citibank solicited me to open a free checking and savings account because of my business account. Citibank started charging fees for my checking account without notice. Citibank stole all the money out of my checking account and said they would refund only {$75.00} to me which they never refunded. Now the same game with the free savings account.
Product: Credit reporting or other personal consumer reports

Hi Experian, I just received a copy of my credit today and I found this fraud credit card account opened without my knowledge. I can not believe this fraud people still using my information to obtain credit cards, this fraud credit card shall delete from my credit report. I was on the phone earlier with the XXXX XXXXXXXX fraud team and I was told that I have the right to have to fraud account delete from my XXXX report.
Product: Credit reporting or other personal consumer reports

I am exercising my right to opt out pursuant to my rights under the Gramm-Leach-Bliley Act Specifically under Title V, Subtitle A, Section 502.
Product: Mortgage

This is regarding CFPB complaints # XXXX, XXXX, and XXXX. 
Attached are the proofs. 

XXXX XXXX  letter proves that identifying information was there to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.
Product: Credit reporting or other personal consumer reports

This account is reporting as a collection on my report despite not having any historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Experian. This account must be removed immediately for Experian is reporting it wrong.