23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have spent approx. {$35000.00} with   XXXX   XXXX   over the past  XXXX  years. I paid it off last fall. Recently they contacted me saying I owed them {$2600.00} for a table I had purchased in  X/2016,  that they state they mistakenly credited my acct. for. The person who called me ( I believe  XXXX   XXXX  ) said " they could not and would not bill me, unless I consented '' .I reviewed my records and could not find evidence of a credit. I called and got voice mail and left a message that I did n't agree with they 're claim. I never heard back by phone or in writing. Several months  ( approx.4-5 )   later, I got a letter from a collection agency  (   XXXX  ), stating I owed the amt. I sent a letter ( to  XXXX  ) disputing the claim with my supporting evidence.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  ) sent me a letter and a " revised audit of my purchases ''. The letter suggests I contact her to " discuss any discrepancies and/or payment arrangements ''. I called her twice on   XXXX   and   XXXX   and left messages on both occasions and did n't hear back. The " revised audit '' I believe is insufficient as it is not the original credit bill  ( s ) I received and there are inaccuracies on it ( delivery dates ), that make the document uncredible. I have excellent credit and I am very disgusted with this issue. At this point, I am prepared to have them pick up the table rather than give them more money. I think that the unresponsiveness by their representativ e is purposeful. I take seriously the threat to my credit. If there are ORIGINAL Comenity ( the credit card company ) statements like those I received that support that a credit occurred then I might reconsider my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this account with XXXX XXXX XXXX  XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX XXXX XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX - XXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$940.00} XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau, Experian is reporting an inaccurate payment history with XXXX XXXX XXXX. They are reporting that there was no payment made for the month of XX/XX/XXXX, which inaccurate. I have attached a copy of my payment history with XXXX XXXX XXXX and it clearly shows, a payment of {$140.00} on XX/XX/XXXX. I have disputed the payment history several times with the credit bureau and the creditor and they are still reporting inaccurate information. I contacted creditor about the payment history being reported inaccurately and they confirmed the payment made in XX/XX/XXXX and said it was a glitch in their system, that is not my fault. This needs to be updated immediately on my credit report.
Product: Student loan

My servicer ( Edfinancial ) sent me an email stating that my first payment after the pause is scheduled for XX/XX/XXXX. This was a shock considering that on the government website, it states that my post-grad grace period doesnt end until XX/XX/XXXX. This is my first time with any type of loan and I have lots of questions but especially on my repayment schedule because of this discrepancy. 

Ive been attempting to reach out for three weeks now. Ive sent multiple emails, calls, and submitted callback requests and received no information in return. Im not sure what else to do other than to begin my repayments while still having questions about my loan and why my payments are being collected while I should still be in my grace period ( per govt website ). Other people who have commented on their social media are having similar issues and every time I have called the wait time has been around XXXX minutes which is absolutely unacceptable. I should not be forced to work with a loan servicer that can not be reached at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number ****XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

I filed a complete loan modification packet with Wells Fargo Bank, afterwhich Wells Fargo Bank denied my loan modification request. 
Wells Fargo Bank 's denial letter had factually based errors contained within it. 
So I filed a timely appeal and included additional exhibits A through F ( approx. XXXX pages ). 
Wells Fargo Bank thereafter sent out a notice of receipt of my appeal and that letter also contained factually based errors by stating that my appeal was submitted without additional documentation and that I had a present bankruptcy case. ( none of which was true, see attached appeal and Wells Fargo 's incorrect letters ) Wells Fargo than tool less than three days to deny my appeal and did so without XXXX providing me with the additional documentation that my appeal had requested from Wells Fargo, instead I was told that my loan modification was denied. 
Wells Fargo Bank commits these errors either through gross negligence or intentionally created and Wells Fargo Bank has no intention of conducting a good faith loan modification review. 
Wells Fargo Bank should not be allowed to just deny loan modification applications based on factual errors, and than Wells Fargo Bank should not be the only entity to review their own errors in the borrowers loan modification appeal. 
Wells Fargo Bank literally just goes through the motions in order to appear in compliance with the law, but than does not even bother to read the borrowers documents that they have submitted in support of the loan modification process. 
Than when Wells Fargo Bank denies the loan modification application, they refuse to send you the denial letter by fax, and instead they choose to use the XXXX Mail which always takes approximately XXXX additional days to receive. 
This act alone also cuts into the borrowers time to prepare documents and submit a timely request for review. 
Wells Fargo Bank 's entire loan modification process is a farce and set up to blatantly ignore the borrowers information in order to expedite Wells Fargo Bank 's predetermined denial. 
Wells Fargo Bank continues to violate the CFPB 's rules and regulations.
Product: Credit card or prepaid card

Involves AARP CHASE Credit Card Services. In  XXXX. I transferred my balance to another banks credit card. They, themselves initiated another account on me and allowed charges up to $ 3,000.00+,  documented credits but i had not paid anything since filing dispute after I struggled intensely making 8+ calls of which I talked to at least 5 people each time spending up to 45 minutes with only leaving voicemail with management who has yet to return 4 voicemails from me during the past 4 months. Everyone is confused and passes my problem on and on between fraud and identity departments. 
I 've talked to at least 15 different reps.and have left my last voicemail to management on Thurs. XX/XX/XXXX ; none returned. 
I now wait on them to contact me. 
However, they have reported to my Credit Reports Co., XXXX that catgorize under failure to make payments. POOR in red ink is attached. 
Again, I did not activate this card and I want to know why I owe them {$3000.00} or another time {$1800.00}, or another time XXXX, etc. There is obvious very much confusion on every ones part ... .except me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of my home on XX/XX/2015. At that time I spoke with a customer care agent at XXXX XXXX so shut off my electric service. to this day the account shows " open '' and I have a balance of XXXX which is incorrect. I have tried multiple times to dispute this. If XXXX would pull their calls from XX/XX/2015 they will here myself and the customer service rep confirm that service should be shut off at my address. The last address they should have it in XXXX PA XXXX I do not recall the street or house number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new heating, and air conditioning system ( XXXX ) from a local vendor. They told me that Wells Fargo ( WF ) provided 0 % financing, and inspite of a poor prior relationship with that financial institution, I begrudgely accepted their offer. WF gave me a high line of credit to cover the purchase, and if I wanted some sdd ons. The problem is that it is a credit card, and is reported as a revolving account through the credit bureaus. Like I am going to buy another {$20000.00} dollar XXXX system with my WF credit card. It should be annotated as an " installment loan '' on my credit reports. I contacted WF and they updated the credit reports with the same data. The monthly WF billing statement reflects the name of the manufacturer of the XXXX, XXXX. The account is also labeled XXXX. Wells Fargo is not alone in this practice, I've seen this done with other lenders, for mostly household goods such as appliances and furniture, one off purchases.
Product: Debt collection

XXXX XXXX has reported to my credit report owed XXXX Comenity Bank/Giant Eagle in the amount of {$3200.00}. This creditor has written this debt off so the debt is no longer owed and and not to be pursued. Please remove this from all XXXX credit reports immediately.
Product: Debt collection

Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Mortgage

In XX/XX/XXXX my mortgage loan was sold to SPS Servicing. With the previous Mortgage servicer, my balance was approximately {$380000.00}. I now receive statements that my balance is {$380000.00}. They are charging me {$3600.00} in additional fees they can not explain why, to whom and when these charges were incurred. Back in XX/XX/XXXX, I sent an additional {$2000.00}. extra principal payment which was never applied and monies were used by the Lender as additional " fees '' paid. I have asked our State Attorney for help and all this bank did was send the State Attorney a roster of all my payments since the loan originated in XX/XX/XXXX. Please help!
Product: Credit reporting or other personal consumer reports

THESE ARE FRAUDLENT PLEASE REMOVE THEM FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I logged on to my.equifax account and unfroze my account so XXXX could run a credit check. After the check was run, I attempted to log back on but would get the initial screen, then it would freeze. After multiple attempts, I receive a message upon logging on to call equifax. I call, provide all verification with their auto, acted attendant, then get an agent, provide all information verbally as Im told I wasnt verified, then he sends me a link to create an account, I again explain I have an account and received a message to call them upon login. He then tells me I did verify, ignore the link sent, hell send a new link to reset my password. Receive link, follow steps to reset password, attempt to hit the continue button once password populated and -w requirements met, web page freezes again. Call back, spend 10 minutes going through verification with auto attendant, waiting to be transferred to agent, call is disconnected. Call back a 3rd time, go through all the verification with auto-attendant and again with agent, now told I need to be sent a long to create a photo of and upload and I, age of my drivers license. I told them based on their demonstrated incompetence in managing the data they have, not giving them any more, just confirm my account is frozen since the first agent told me it was, but not trusting them I wanted to login and verify myself. They refused and said I had to, send a an image of my driver license. I explained I would not do that, please just verify my credit is frozen so nobody can commit identity fraud based on equifax incompetence. They again refused. I spent well over 1 hour of my time dealing with their incompetence and dont want to be their customer, but I am forced to do so since they can give out my credit/financial information without my consent. I am perfectly happy to never do business with any company that wants to use equifax in order to do business with me as they have demonstrated their incompetence to handle that information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by XXXX and Experian. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ). Proof supporting the claim of late payments, including specific dates, amounts, and communication. Documentation of reasonable pro cedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ). Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act. If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. ''
Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDNELNET XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX/XXXX  XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX )
Product: Debt collection

I submitted numerous complaints about this situation but ad astra still not giving a clear path to resolve this matter, ad astra never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for ad astra. I was home and suffered from covid illness, majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, ad astra knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell