23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal request to you for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounst. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

2 individual claims with Wells Fargo have been filed : # XXXX for XXXX and the other is # XXXX for XXXX. 

We filed these claims in XXXX and have gotten the runaround from Wells Fargo ever since. 

These two checks ( # XXXX and # XXXX respectively ) were stolen from our mailbox and fraudulently deposited into the perpetrators bank account via an ATM deposit. The bank that cashed the check caught the error and reached out to Wells for resolution. Wells will not give us any information as to what bank this is as we have requested that info so that we can follow up ourselves. 

I have not been able to speak to a live person with any kind of authority to resolve the issue. All calls are routed through a call center and they are basically powerless. The just keep repeating " we have 90 to 120 days to resolve this ''. 

As the consumer and XXXX XXXX XXXX we are hard pressed to float a loan to Wells Fargo for 120 days while they figure out their mess. This should be resolved between the 2 banks while Wells Fargo reimburses us for their error. Instead they are making us - the " little guy '' experience financial hardship. We just want our money back so that we can keep our small business afloat
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. Credit Bureaus have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Product: Credit reporting or other personal consumer reports

As a consumer after reviewing my credit report from XXXX, XXXX and Equifax I have discovered that it is fraud accounts, addresses, inquiries and more on my credit.
Product: Debt collection

Over 2 years ago, I set up payment arrangements on an old credit card debt. A condition of the payment arrangement was that the payments be automatically deducted from my bank account. For over 2 years, MCM has taken {$150.00} out of my account on the XXXX of each month. In XXXX, 2018, I received a notice from MCM ( XXXX XXXX XXXX XXXX that I was in default for not having made my XX/XX/2018 payment. I checked my bank account and had had more than enough funds on XX/XX/XXXX for the payment. For whatever reason, MCM did not process the payment. I contacted MCM on XX/XX/XXXX. At that time and in the letter, they told me I was in default and a judgement was being entered against me. I reiterated that it was their error, not mine. They informed me that I would need to pay the " default '' and only then would they agree to reinstate the payment plan. They also stated that it was " already filed in the court ''. I explained to them that I have my payments auto debited and whatever funds I have remaining at the end of the month is what I know I have to spend on food and gas, etc. They acknowledge that they made the error but refused to resume the payment plan beginning the next scheduled payment ( XX/XX/XXXX ) unless I paid them {$300.00}. They are refusing to re-establish a payment plan because " I '' defaulted on the loan when in fact it was their error, they acknowledge that it was their error and they don't care that because I have my payments automatically withdrawn from my account that I know that at the end of the month, whatever funds are remaining in my account are funds available to me for life 's necessities. They have refused to reinstate the payment plan and said a default judgement is being filed against me. I asked repeatedly to be transferred to an attorney which initially they refused to do because " all of the attorneys are in a meeting '' and I asked to be transferred anyway at which time they told me that there wasn't a phone for the attorneys. I became irate and they finally said they would transfer me to the attorney. The message on the attorney 's line was " to leave a message for me, please call XXXX. '' That number ; however, is the number for MCM. MCM has acknowledged that it was their mistake. I am more than willing to resume the payment plan beginning the next scheduled payment but they have refused and said a default judgement is being filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing because I have been a victim of Identity Theft. I have attached letters to suppose my case. The IRS and Social Security both have cleared my name with IRS Affidvat and investigation found out someone was using my info as XXXX   veteran. I am writing to have Ad Astra Recovery Services , Inc, Who said I had taken out a payday loan with Speedy Cash they have place this on my credit report with XXXX. I have attached a Identity Theft  Victim 's Complaint and Affidavit with FTC and have a Victim 's FTC complaint number which is XXXX. 

I also attached my letter from the Veteran Admin that I am XXXX and XXXX  XXXX unemployable.
Product: Debt collection

FJS Global keeps trying to contact me over someone else 's debt. I have had my phone number for approx 15 years and I am not the person that they are trying to contact. I have told them multiple times to stop contacting me and they keep trying to contact me about monthly. I have spoken to representatives multiple times to stop calling and they haven't.
Product: Debt collection

Navy Federal Credit Union is attempting to fraudulently claim debt : Outstanding {$11000.00} Bad Debt, Collection. Fraudulent In the past I have experienced Identity Theft. I reported that information to Navy FCU in 2021. 

I do not know the owner of this account. This Account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sold and closed on my home. The mortgage for the home was paid in full as part of the closing. Nationstar Mortgage ( aka Mr. Cooper ) reported the account closed on my credit report on XX/XX/XXXX, and reported it as being included in my bankruptcy. While I filed for Chapter XXXX in XXXX, and it was discharged in XXXX, I filed and have a legally signed reaffirmation agreement. I continued to pay, on time, on this loan for over 5 years. On XX/XX/XXXX, the account was closed, and paid in full, as a result of a sale. Never once was this included in the bankruptcy or was it affected by the bankruptcy, and to report that it was, which is having a negative impact on my credit and ability to secure credit, is fraudulent, and and creating an adverse affect on my ability to secure financing. 

Nationstar ( aka Mr. Cooper ) needs to correct this reporting immediately, and assure that they remove any bankruptcy reporting from this loan, and they need to show the loan was closed in good standing. This needs to be done immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous letter to redispute these items : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit card or prepaid card

My health savings account is with Old National. I use a debit card. Recently I tried to use it, and it was declined. Have phoned them at least 6 times, and no one will pick up the phone. Thank god I did not lose it. They will not answer the phone. You wait a long time and then the call drops.
Product: Mortgage

We previously filed a complaint on this site requesting that Fifth Third Bank accept the short sale offer we had on our home. This was back in XX/XX/XXXX! Instead we have been caught in retention option XXXX. I have written emails to XXXX XXXX ( COO ) ; XXXX XXXX ( COB & CEO ) ; XXXX XXXX ( CFO ) and XXXX XXXX. The ONLY response I EVER received was from clerks who had no authority or power to make a REAL decision on our request. I was told this week by yet another clerk that my hardship application was discarded because the bank wants us to accept their retention proposal. We are NOT in the position to continue to pay this mortgage. Over this 10 year history we tried 8 times to refinance this mortgage. If they would have offered a serious retention option even 5 years ago we wouldnt be in this situation.
Product: Student loan

Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX
Product: Vehicle loan or lease

nissan has settled a class action suit for its known transmission failures related to models with the XXXX transmission. settled this year on record with the federal government. 

Last year in XXXX XXXX the transmission on my XXXX XXXX failed and the repai came to XXXX dollars us, that i had to privately borrow to maintain commuting to a job. 

I informed nissan XXXX of the situation on various emails after and up to XX/XX/XXXX. 
I informed them that any payments to pay the loan, was sublected to payment to repair the transmission so i could keep working to pay the loan. 

they ignored phone calls made 5 times between XX/XX/XXXX and XX/XX/XXXX during collection activities. 

Each time i was told that i needed to pay up or credit would be knocked down and repossesion could occur. 

I went past due and struggled to catch up but nissan refused to help and lower payments or reset loan. they showed me 30,60, days late which knocked my credit score down.

They refuse to accept that the transmission cost whick with my XXXX fall under the agreement by the US and nissan XXXX to either credit the loan for repairs and remove the past dues, or the refinance the loan. 
nissan XXXX  of texas usa.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

Everytime i would try to make a payment early or with a different account. They dont except my payments and returns my payment. Then they charge me a late fees and tells me my bank didnt allow the transaction. Therefore it didnt make the date required and i get hit with a late fee almost every month. I have the confirmation number and all but they never try to resolve the late fees and just keeps charging me. The people that works for there barely speaks XXXX well enough to understand what im paying and takes more then what i authorized. They dont even want to work with the banks when a dispute is filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received an offer to open a checking account but the bank neglected to open the account online to enable me accept the whole offer. I talked to XXXX XXXX at the bank and she could only tell me the code # XXXX but refused to tell me what it meant. She also refused to let me talk to a supervisor and that she already had. She said I could travel to the closest branch to open the account over XXXX miles away. Note a condition of the offer was the account had to be opened on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reput

ation, 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. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX, XXXX, MI XXXX Employer - XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX  XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Bank account or service

I have been a customer of Wells Fargo for over 30 years. I have been patient with Wells Fargo Up to now. I wrote a check to the XXXX in XX/XX/XXXX for XXXX. The check processor folded the check and the XXXX was paid XXXX dollars. I found out in XX/XX/XXXX when The XXXX send me a demand notice plus interest for my delinquent payment. I understand that it was an error and the Bank would take care of it. I went to my local branch and worked with a banker there. We worked it out, or so I thought. She made a transaction correction and debited my account of XXXX. XXXX XXXX # A XXXX ) XXXX month later I get a demand notice from the XXXX looking for their money. 
I call the XXXX and they say we have not received the funds. 
I go back to the branch. The money from my account is sitting in a frozen account waiting for the XXXX to demand the money. I call the XXXX and they say we just want our money. We do not have the time or resources to call Well Fargo. I made another call to Wells Fargo and they referenced ( XQR XXXX ). I called a few minutes ago and the Wells representative XXXX said she would escalate and get back to me in XXXX business day. I am caught in a nightmare. The XXXX may put a lien on me. This is not how Wells Fargo generates trust. Your process is broken. Please let me know what you intend to repair this horrible situation.
Product: Consumer Loan

My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report.
Product: Credit card

I have a long running dispute over a series of charges made on my Citibank mastercard. 
My issue was with a charge made with XXXX XXXX of XXXX on XXXX and subsequently on XX/XX/XXXX of XXXX. I errred when using their online app and wound up charged three times ( {$1900.00} ) for my annual service of {$640.00}. I was instructed to contatc the merchant for a refund. Merchant said they would process, but did not tell me there would be a credit of {$1200.00}. Because of that, I initiated a dispute with Citibank. They did provide me with an account credit of {$1200.00}. Unfortunatley, their recovery from XXXX coincided with a return provided by the merchant resulting in a double dip. XXXX recharged, without authorization the {$1200.00}. 

I asked to dispute this, both by using Citi 's online system and through their actual reps to no avail. I've been attempting to address this with Citi to no avail and received a notice that I will have to pursue resolution on my own end/by other means. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Equifax, XXXX XXXX, XXXX not reporting things right. First off XXXX company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX XXXX or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.
Product: Debt collection

On Friday XX/XX/XXXX at approximately XXXX a man came to my door and handed me paperwork. It appears to be a summons. I do not know for sure if it is real or not. I made numerous phone calls and email attempts to contact the person I was directed to respond to. I have no knowledge of the alleged actions the document outlines. I could find no record of within the Minnesota judicial branch records that the judgment addressed in the document exists.
Product: Debt collection

Lvnv funding has placed a garnishment against me never contacted me or anything I dont even know what the debt is for. I did try to contact them but never got a response.