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

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me XXXX XXXX, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been holding an inaccurate, fraudulent account on my credit report ( XXXX XXXX opploans, account number : XXXX ) for a long time now and refuses to remove it. This has brought trauma and hardship to my family. Ive submitted an FTC report, and disputed this account many of times. Please order experian to remove this account now!
Product: Credit card or prepaid card

I had a chapter XXXX bankruptcy in 2012. To reestablish credit I opened 2 Capital One prepaid cards and deposited {$1000.00} in each. I recently contacted Capital One to close the 2 prepaid cards and have my funds reimbursed. There is no balance on the cards and they are seldom used. I was told by the Capital One rep that the cards I have are not and never were prepaid cards. They said that the cards I have are XXXX cards and those are regular cards and that the prepaid cards are the XXXX card and XXXX  cards. I told them that the original cards were XXXX and XXXX but they disagreed. I explained that I was holding those original cards in my hand and was told that they have no record of any prepaid cards on file. Not sure what to do at this point. The cards don't have annual fees so it doesn't hurt to keep them open which is strange because the regular credits cards do have an annual fee. I was told that I can close the accounts but there is not funds to reimburse because they are not cash secured credit cards.
Product: Mortgage

To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.
Product: Vehicle loan or lease

My bill charged extra, fraud selling from Capital one Account number : XXXX Vehicle XXXX XXXX XXXX They make so tens, I would like to paid off total XXXX but they are cheating me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

Good afternoon, I applied for and received a Wells Fargo Cash Wise credit card. The card offer stated that I would receive 0 % interest for 12 months. However, I have only had the card a few months and they have charged me interest for the past two months. I contacted Wells Fargo and they credited me back the 2 months interest, but they did not change my interest rate back to 0 % In addition, I was supposed to receive a {$200.00} cash bonus after making {$1000.00} in purchases, which I have done. However, I have not received the {$200.00} bonus. I have inquired about this two times, but I have not received the {$200.00} bonus. 

Attached is the offer that I responded to.
Product: Debt collection

I already mentioned that you guys should already remove this bankruptcy due to inaccuracy! I even looked for it in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Account to be removed : XXXX XXXX XXXX XXXX # : XXXX
Product: Mortgage

To whom it may concern : On Tuesday XXXX XXXX I received an alert from my credit monitoring service stating that I had a decease on my credit score. When I further investagaed the situation. I seen that I had an inquire from a company that I never heard of called CoreLogic " Credo ''. I researched the company and called the phone that was provided. I spoke to a representative, whom stated that they pull credit upon request from clients they service. She also stated that if I provided her with personal information. She can tell me which client that they had ho request to have my credit ran. Upon the rep checking she asked me do I know Penny Mac. I then in return let her know that penny Mac was my mortgage company, that I currently pay a monthly mortgage to. On XX/XX/2023 I also phone Penny Mac asking why did they pull my credit. I was then asked when was the last time I contacted Penny Mac. I stated that I had not contacted Penny Mac since XXXX of XX/XX/2023. I was told that transaction was done, but I had no knowledge nor did I give Penny Mac my consent. Penny MAC told that someone from their company would be investigate and I will email and follow up with a phone call. I didn't receive a call or either an email. I phoned them on Tuesday XX/XX/2023 and I was told that the investigation was open on XX/XX/XXXX and to give Penny Mac five business to complete the investigation. I was also assure that once the investigation completed that they would reach out to credit bureaus and XXXX on my behalf to correct this issue. Today is XX/XX/XXXX and I reached back out to Penny Mac. I was told that would have to investigate, which I told started on XX/XX/2023. I also requested to speak to a manager, which in return I was talked over, and giving information again about a ticket/ investagating will be done. At this point I have no where to turn and seeking help from you guys at CFPB. PLEASE HELP ME!!!!!!!!!!!!!
Product: Debt collection

I 'm a victim Indentity Theft and this company is reporting wrong information to the credit bureua under my name.
Product: Credit card or prepaid card

I got a JCPENNY Credit Card. The store employees took merchandise and charged it to my credit card and, then, had its partner in crime ( XXXX Bank ) falsely document that I had this fake debt and sent me to collection-agencies-credit bureaus to damage my credit. 

This was because I refused to be blackmailed and give them money to delete the fake debt. Then, I contacted the newspapers and they deleted the fake debt ; but left the interest and fees on my credit card.
Product: Credit card or prepaid card

Need for XXXX, Equifax, and XXXX to REMOVE these accounts that were Furnished without my written consent ; 15 U.S. Code 1681b. In order to furnish my report, You must have my written consent. I did not give my written consent and I did not give Anyone written consent to login to a court website, and furnish my information Upon my consumer report. I have the right to privacy as a consumer under 15 U.S. Code 1681b ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/24 Dear Credit Bureau, I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit Terms. 

XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I informed their rep XXXX that I am not allowed to receive calls at work and to please stop calling that number per my request as granted under the Fair Debt Collection Act. 
XXXX acknowledged my request. 
XXXX stopped. They now have XXXX XXXX XXXX XXXX ) from the same department calling my work number instead of XXXX. 
The request granted under the law was for the company to stop calling my work number, and they are trying to play games by having a different person call. 
On XX/XX/2021, XXXX was also informed of my request not to call my work number. 
They have my personal number.
Product: Debt collection

The prompts I checked really do not pertain to my complaint ; however, no other prompt was available. 

Regional Acceptance Recovery continues to report a charge off account ( auto ) as current. The account was opened in XX/XX/XXXX. It was charged off XX/XX/XXXX. Can they keep doing this? This is affecting me negatively and sadly the account can not be paid. We are facing medical hardship ... XXXX 's. 

Please see if there is anything which can be done. Thank you. 

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

On date XX/XX/2022 i written up a letter to Experian, XXXX and XXXX about some fraudulent items i found in my credit report. I sent those letters certified mail and they were delivered to the credit bureaus on XX/XX/2022. In the letter i stated that i wanted validation of the accounts and asked for them to provide me with the following information : Pay off Disclosure, Interest Rate Disclosure, Balance History, Payment History, Credit Insurance, How the information was verified, and Include verification of the contract with my WET SIGNATURE. I also stated in my letter that i wanted all the requested information to be send back to my home address that i have provided for them. I am aware under federal law that i have to give them 30 days to investigate and for them to provide me with the validation i requested, if they do not do so i have rights for the fraudulent items to be removed from my credit report. On XX/XX/2022 XXXX sent me a letter only stating that they needed to verify my information because i indicated fraudulent items on my credit report. I called XXXX on XX/XX/2022 and spoke to a representative named XXXX and she was able to verify my information and provided me with a confirmation number. She also told me that my dispute with them was started XX/XX/2022. On XX/XX/2022 XXXX completed the dispute and only provided me with a credit report of only updated information saying verified accounts and provided me nothing of the information i requested from them to validate my accounts. Now with Experian my same letter of validation was delivered to Experian XX/XX/2022, they emailed me XX/XX/2022 of only my credit report stating only updated information to the fraudulent accounts and completed my case and provided me with none of the information i requested from them as well. With XXXX i also sent them a validation letter for the fraudulent accounts and was delivered XX/XX/2022, they responded with a letter on XX/XX/2022 with only information about their investigation procedure, what i can do, and what more i can do to protect my info. Then on XX/XX/2022, they sent me a letter basically stating that the investigation was complete and only sent me investigation results stating they updated the information on the accounts and only stated that my accounts were verified. They provided me none of the information i requested in my validation letter and closed my case. I have put credit freezes on my credit and also activated identity theft on my credit and filed an identity theft report. I dont know what else i have to do to get them to remove or complete a proper validation of the accounts with information i requested from the bureaus. All the credit bureaus responded saying either the accounts were verified or they updated information and thats not what i requested from them in my letters. At this point i am very upset that the credit bureaus could not validate those fraudulent accounts properly as i requested and continue to report it on my credit and i was them removed ASAP.
Product: Mortgage

Wellsfargo keeps raising my monthly mortgage They respond by saying there was a shortage I make my payment in full every month
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the charge off status on the accounts listed here.. THe accounts were never a charge off, I paid them on time and were satisfied as agreed. I disputed the accounts with Equifax but they did not help me..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Product: Debt collection

I am requesting verification of the account from XXXX, account # XXXX on my Experian report. Experian has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with Experian and with XXXX. I have attached all letters with certified copies.

I spoke with XXXX from Experian on XX/XX/XXXX and  XX/XX/XXXX. On XX/XX/XXXX, He stated XXXX has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from XXXX and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from XXXX did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from XXXX. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my Experian Report. If you have any question please contact me at XXXX or t the above address.
Product: Credit reporting or other personal consumer reports

I have attached a report about my unauthorized inquiries on my credit report.
Product: Student loan

In my senior year at XXXX. 
On XXXX XXXX, 2010 a Private loan was taking out for {$5500.00} I did not authorize any XXXX to take out a private loan for me, I did not need the loan money because I was going to graduate in XXXX XXXX, 2010. I did graduate XXXX XXXX, 2010 Why would I take out a loan? It did not make sense because I was going to graduate in 2010. I am filing this complaint against Navient the private loan provider. This is a crime someone must pay for this I saw this in my student loan history I got the evidence to show
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EQUIFAX : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX. 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

At XXXX XXXX on XX/XX/2022, I deposited {$360.00} in cash at the ATM of Commerce Bank ( XXXX XXXX location ) in XXXX, IL. The bills I deposited were composed of the following 3x {XXXX}, 9x {XXXX}, 3x {XXXX}, 3x {XXXX}. When I deposited this money, the ATM " ate '' the money. I subsequently filed claim ( Case # XXXX ).
Product: Debt collection

I am writing to file a complaint against Hunter Warfield Collection Agency who has failed to investigate a fraudulent account before adding it to my credit reports. I have disputed this account at least 5 times with no changes. They have added an account to all ( 3 ) credit  bureaus and even after sending proof of police reports and identity theft via fax, email and certified mail, they have failed to remove them from my credit reports. This account it totaling over {$10000.00} in apartment damages. 

I have been a victim of identity theft since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX which seems to have resulted in the tax identity theft. Due to all of this, I have been forced to file bankruptcy twice the past 5 years due to items showing on my credit report. 

I am requesting that this agency investigate this matter and correct this as soon as possible as ASAP as this is hurting my ability to obtain employment and/or maintain a good credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

has violated my rights.

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.