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

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Debt collection

On XXXX XXXX XXXX, I received a collection account entry on my credit report from USCB America, regarding a debt. I contacted the company to inquire and request written communication and a chance to dispute the debt. I did not receive any written communication or phone calls or a chance to dispute debt before it was entered on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.
Product: Debt collection

I have not had a Wells Fargo account since I was a teenager. Regardless of the fact Wells Fargo has falsely open an account in my name 20 years later, they are now negatively impacting my credit score to a point that I can no longer apply for a home loan. I have filed XXXX reports I have called them multiple times over the last several months and they continue to ding my credit score to a point that I can no longer recover it. When attempting to call their customer service line they hang up and say the call volumes are too high call back later. The lack of customer service and attention to a clear error on their side is not only disheartening but frustrating as someone who has had exceptional credit score of their entire life. Wells Fargo opening false accounts is no longer something that Ive only heard in the news they have completely impacted my ability to have a reasonable credit score and failed to pay attention to the gross misdemeanor of this act. Even when attempting to call Wells Fargo in the past I have no idea what my account number is because I never opened an account and the customer service turns out to be rude unhelpful and condescending. I have wasted countless hours on attempting to mitigate this problem and it is now impacting my life and work. The account that was opened last XXXX was not open by me and I can not get access to anyone at Wells Fargo to try to close it let nevertheless mitigate my credit report.
Product: Mortgage

Have had a mortgage for over 5 years now. We had absolutely no problems paying our mortgage until receiving a huge bill due to an escrow shortage. Click n ' Close, Inc is the mortgage company that demanded over XXXX upfront or a rise of nearly XXXX dollars a month to cover that huge shortage ( A significantly huge amount ). The company has never ever informed us that they merged or bought out Mid America mortgage. This situation caused us emotional distress due to automatic payments coming from someone we did not know. Even had to call the bank and figure out what was going on until finally, we figured out that it was our new mortgage company ( Click n ' Close , Inc. ) We would have appreciated any sort of basic communication to let us know without going through all the distress. Forms of communication such as phone calls, text, email, and post mail would have been appreciated and absolutely NO COMMUNICATION was received via the change. 

The only time we received any communication was this outrageous escrow shortage bill. Click n ' Close inc never informed us at all that they changed our insurance and gave us a super expensive homeowners insurance way above average in our area and significantly more than last year. Again ZERO COMMUNICATION! I and my wife have felt like we were extremely taken advantage of by this shady company and their shady practices. This company needs to get investigated!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the XXXX Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my personal credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was never 30 day late. Spoke with several managers and representatives and they all stated that account balance would be updated and it would not be reported to credit bureaus as late. When it reported late I disputed with credit bureaus and sent email to company as directed by customer service reps to get this corrected. It reported correctly for 1 month and went back reported late again.
Product: Debt collection

Company has failed to provide proof with my signature showing they have validated this debt m. This company continues to violate CFPBs rules and regulations this company continues to disregard the rules and regulations as it pertains to providing this said debt with my actual signature validating that said debt correct and accurate. I have already provided proof to XXXX that this is not my debt and this debt was removed from my credit file. This company continues to report inaccurate and false information on my XXXX credit report. This company did not provide proof of any documents showing an ink signature on an actual contract indicating I have validated this debt and indicating I have acknowledged and obtained this debt. Instead this company provided a copy of a factious drivers license that does not belong to me and which has already been identified in my police report that is in file with the credit agencies, this item does not belong to me remove it from my file. Providing a copy of a drivers license does not substantiate this debt belonging to me nor does a copy of a drivers license indicate I have obtain this debt and validated that this debt belongs to me. As stated earlier I have already filed identity theft report which is located on all three of my credit reports please remove this debt this does does does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL TIMES I ASKED IN WRITING EXPERIAN TO REMOVE 4 FRAUFULENT AND DUBLICATED ITEMS FROM MY CREDIT REPORT BUT THEY REFUSED TO DO SO. XXXX & XXXX HAVE REMOVED THEM LONG TIME AGO. I AM SUSPICIOUS THAT EXPERIAN NEVER DID ANY INVSTIGATION, BECAUSE AS I FOUND OUT THEY SELL VERY EXPENSIVE NEGATIVE REPORTS TO SUPRIME LENDERS. EXPERIAN ALSO REFUSED TO SEND ME MY ANNUAL CREDIT REPORT AFTER SEVERAL REQUESTS, BECAUSE THE COULDNT MATCH MY INFO. XXXX & XXXX NEVER HAD THIS PROBLEM. I HAD MANY PROBLEMS BEFORE WITH EXPERIAN AS WELL AS MANY PEOPLE THAT I TALKED TO ABOUT SIMILAR PROBLEMS. IT SEEMS THAT EXPERIAN IS ACTING LIKE A XXXX WITH A LICENSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to XXXX XXXX, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as XXXX is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATLY.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was also reported to the federal trade commission.
Product: Checking or savings account

Please view all enclosed attached documents and take appropriate steps to have bank and all re comply to the standards set forth for the protection from online consumer thefts. 

Initially noted theft XX/XX/2001. 
XXXX, XXXX provide more details with dates and time stamps. 
Because of difficulty with Ofcr. XXXX of the XXXX XXXX, PD, other venue is being sought out to expedite prosecution.
Product: Money transfer, virtual currency, or money service

XXXX Coinbase allowed me to send {$5.00} ( and change ) in XXXX to a hardware wallet. 
I attempted to send {$2900.00} ( and change ) of XXXX to my hardware wallet and it prompted me to verify my account. I attempted to verify my account three times using my driver 's license which is the same ID in which I opened the account with. Coinbase declined verification 3 times and proceeded to disable my account.

I filed a complaint with Coinbase, in return I have received automated emails with no actual resolution or promise of one. I am currently still locked out of both my Coinbase and Coinbase Pro accounts with no access to any of the funds.
Product: Mortgage

I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you. 
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to XXXX and Transunion as Chapter XXXX  bankruptcy. XXXX 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( XXXX ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted XXXX personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at XXXX. Transunion has reponded that the creditor has verified they are reporting correctly which is untrue. XXXX and TransUnion are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.
Product: Credit card or prepaid card

On XXXX XXXX I sent in a debt validation stating that the claim is disputed an I request validation 15 USC 1692g..Im still waiting on a response from the company. 
also they violated 15 USC 1962a DEBT Collector. Violation 15 USC 1692b ( 5 ) use of symbol on content. Violation 15 USC 1692d ( 1 ) Harrassment. Violation 15 USC 1692e ( 11 ) ( 4 ) false or misleading representation.

I also marked all the violations on the said paper that was mailed out. 

XXXX XXXX XXXX debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Product: Debt collection

On XXXX, I had received an alert through my credit monitoring that there was a new collection account reported. I immediately checked on this alert to find that a collection with an open date of XX/XX/2021 reported to all three credit bureaus for the first time. This came as a shock to me for several reasons. I've been in the process of purchasing a newly built home and have opened each and every piece of mail I've received since going under contract at the beginning of the year. I also am signed up with informed delivery through the XXXX which provides me with a daily scanned image of what's being delivered in my mailbox each day. I immediately knew this was going to be a financial and emotional challenge since my loan officer needed to update my final credit report to close on my home. The new collection has now disqualified me for the program I qualified for in which I could afford. This is turn has jeopardized my XXXX deposit on hand with the new home builder and placed me in a position where my child and I dont have a place to move to since my current rental has already been rented out. I had contacted XXXX directly to inquire on the debt. The only correct piece of information that they had for my account was my name. Any correspondence was sent to the address where service was held many years ago. The information provided didnt bode well with me based on dates of service and date of last bill and last payment made. I inquired on paying them in full in exchange for them instructing their hired collection agency to retract the debt. She informed me that they cant do that ; however, if I call collection company, they can help. I then called the collection agency and they too had no correct contact info. They didnt have a correct number to call me at and they mailed one debt notification to an incorrect address ( which allegedly wasnt returned ). I stated that I was willing to pay them in full in exchange for a deletion and was told theyd only report it as paid in full. This is completely unfair as I never was given any opportunity to validate the debt or rectify the situation. I had to learn about it based on an alert stating I had a new collection. I cant face telling my son that his XXXX present of having his own home, a determination Ive worked so hard on getting him as a single mother, was taken away from us, and that he will need to change schools since there isnt anything affordable to rent where hes been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card from capital 1/cabelas was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX I sent dispute letters to Experian and XXXX stating there were inquires on my report I didn't recognize and were incorrectly reporting. Didn't hear back from them so I called and they both said they were unsure I filed the complaint, I reassured them I did and sent another on XXXX XX/XX/XXXX. I called a week later and they said it was validated. I told them my letter said to send proof of investigation and " anything '' with my written consent or email or anything giving these four banks/dealers the right to run my credit report. XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX had no right to do hard or soft pulls on me as I on specifically told the dealer I was approved and wanted financing through XXXX XXXX XXXX. What they did is Fraud and I want these inquiries deleted/removed as they negatively affect my business and most importantly they weren't authorized! Under the FCRA 605B they should have removed this fraudulent information within 4 days and it's XXXX now. These inquries done on XXXX XX/XX/XXXX should and needs to be deleted from both Experian and XXXX. Thank you for your assistance in this matter. XXXX XXXX XXXX XXXX
Product: Debt collection

I enrolled in XX/XX/2019 and I was told it would take 3 to 4  months to resolve with my creditors. It is now going on 4 months. I was not behind in any of my bills I gathered debt due to the high interest. The phone calls from my creditors never stop. I am unable to get help from a Clear One representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, Transunion and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.