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

It's just so disappointing to get rejection after rejection with trying to get my credit approved. It's even more disappointing that I've been ignored with my request to remove all the inaccurate information in my report. I am utterly down because of this and I haven't seen any more reason to keep moving forward because I get rejected no matter where I go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian in XX/XX/2020 trying to dispute a collection on my credit. The Collection is From XXXX XXXX XXXX and I did not find out about until I got an alert on credit. This is my second time disputing this and Because XXXX XXXX XXXX did not inform me of my right to initial debt validation I was not able to dispute the debt in the First 30 days. 
Consequently Experian and XXXX XXXX are able to keep reporting this information as accurate without proving the debt is valid.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries persist on my consumer report despite multiple attempts to resolve them. As a victim of identity theft, these unauthorized entries have severely impacted my financial well-being, obstructing critical goals like home ownership. The inaccurate items have caused significant mental and financial distress, leaving me with no alternative but to consider legal action if the matter remains unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1400.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED  INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called companies Macy & XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX/XXXX  about incorrect information and fraudulent activity. Called XXXX about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.
Product: Debt collection

I was brought in to XXXX XXXX by XXXX police i didnt want to go there i wanted to go to the va because i am a veteran, i would'nt sign the admission so the nurse and the officer forged the paperwork and said that i was'nt able to sign.I have explained this numerous times to the company collecting the debt but they refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX. XXXX XXXX XXXX XXXX, IA XXXX. 
I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with Wells Fargo that is being reported on my XXXX, XXXX, and XXXX credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " Forcing fees the bank should have covered '', " paying additional fees and mortgage services '', " requiring private mortgage insurance '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are damaging my credit score. I have disputed these errors over 6 times with XXXX, XXXX, XXXX and Wells Fargo. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both Wells Fargo Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the Not Reported ( NR ) on my 81 month payment history to reflect Pays As Agrees on a monthly basis from XX/XX/XXXX to present on both Wells Fargo Accounts. Attachments : Wells Fargo payment history from XX/XX/XXXX- XX/XX/XXXX The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : Wells Fargo payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. Wells Fargo, XXXX, XXXX, and XXXX  maliciously refuses to correct my 81 month payment history on both Wells Fargo accounts. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Product: Payday loan, title loan, or personal loan

I had a title loan with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. In a period of 10 months ( beginning XX/XX/2017 ) I paid {$270.00} per month and today I paid off the balance of {$1900.00}. The principal of my loan was only reduced {$86.00} in 10 months. In 10 months I gave them a total of {$4600.00}. This doesn't seem right and I did not understand the implications of my contract.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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: Mortgage

Mr Cooper obtained my mortgage XX/XX/XXXX, my mortgage payment, principal and interest plus escrow, was {$2000.00}. I was notified in XXXX XXXX that my mortgage would be increasing significantly. The statement showed a shortage in my escrow account YET they sent me an escrow surplus check of {$510.00}. Upon investigating the reason for the increase I learned that Mr Cooper had paid XXXX times what was owed to taxes. {$1000.00} was what was owed for taxes, I received a statement and also verified with the tax dept in my city, however, they paid {$4000.00}. I have spoken to numerous agents at Mr Cooper, none of which can tell me where they got this number from or why. I was then told the payment of {$4000.00} was paid to the tax dept on XX/XX/XXXX and was returned to them on XX/XX/XXXX but they didnt know why. I went to my local tax dept in my city and was told they do not have record of any of that happening and in fact the taxes were outstanding, delinquent and incurring penalties and interest. I requested the correct amount of taxes be paid, the difference be returned to my escrow, the numbers be adjusted and an analysis be ran to which they promised they would fix their mistake. While they were fixing their mistake of overpaying my taxes by XXXX times, they made a payment to insurance in the amount of {$2200.00}, however only {$1800.00} was due, so again they now overpaid insurance by {$370.00}. Mr Cooper advises me that they would plug the correct numbers in before the new analysis, that I would have to wait for the XXXX XXXX to reimburse me the {$370.00} and put it back into escrow. I put the surplus check they sent me of {$510.00} back into my escrow as well as that day put the {$370.00} back into my escrow account, they ran an analysis, and my mortgage increases AGAIN, even more this time. As far as I can tell, they still have not plugged the correct amounts in for taxes and insurance, have not returned the XXXX to my escrow balance and just continue to tell me Im coming up short on my escrow therefore my mortgage payment is increasing. I have called Mr cooper probably XXXX times in the span of XXXX weeks to try and resolve the issue to no avail. I have spoken to many reps and escalation agents, all assuring me they will fix it this time, and they just simply make things worse each time. I do not know who to speak with, what to say or do, or who to ask for to get this matter resolved once and for all. This has been an absolute nightmare dealing with Mr Cooper surrounding my mortgage I worked so hard to get, because of XXXX MAJOR and reckless, mistakes THEY have made, back to back, and somehow no one can seem to make it right. This is NOT how business should be done, especially with a single moms brand new mortgage loan on her brand new home
Product: Credit card

I have always maintained timely payments on this account, ensuring that they are never overdue. I'm perplexed by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b, any billing errors should be rectified.
Product: Credit card

Capital One sent me a letter falsely stating that two years ago I had an account ending in XXXX, which I have never owned or opened with Capital One. 

They also claim I made threats of harm and XXXX explicit conduct comments on a call with an associate. This is actually impossible because I was XXXX at the time. Is Capital One alleging that I made these calls back in XXXX from a XXXX  phone? 

I have already reported the account ending in XXXX as fraudulent and something I never received, Capital One bank deleted/removed the account as fraudulent. This was in XXXX, it is now XXXX and Capital One is bringing this already resolved situation back up as an excuse to close my first ever Capital One credit card!? 

This is defamation of character, and according to 15 USC 1611 is fineable up {$2000.00} for the offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

First off let me say I started my side job of tutoring math for middle and high school students and received a check from my student 's dad and deposited it into my XXXX account to find that this company done froze my account and I can't access my funds that I literally worked extra hard for. I think this is very much nonsense because I now sit with a medical emergency that I can't go see about because I don't have the co_pay that's required of me upon arrival. What I don't get is XXXX cashed the same check for me with this employer already and now they decide to give me problems. So unfair. I worked hard for my money and this is no right
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Well I had a {$200.00} dollars limit credit card and they over charged me talking about {$740.00} and I didn't used the whole {$200.00} I used about {$50.00} or XXXX dollars the maximum and paid them and still over charged me, still harassing me.
Product: Debt collection

This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call
Product: Debt collection

I received a call ( XXXX ) from Trinity and Hope Associates on XXXX/XXXX/2015 about a bill in the amount of {$610.00} owed. I asked to check with insurance ( XXXX XXXX XXXX XXXX XXXX South Carolina ) on the issue and gentleman replied he would not that I refused to pay and hung up. I called back and got recording. I left message stating that I did n't refuse payment I had simple ask to check with insurance for more information. On XXXX/XXXX/2015 obtained original number and information on matter from XXXX Hospital and was advise to submit to insurance to see why not paid and to call central billing ( XXXX ) It was then I encountered XXXX from Trinity and Hope. She accessed my files and said the amount owed was {$1100.00}. Since I had no record of bill I agreed to pay amount with my XXXX XXXX Card, fearing that case would be turned over to attorney and fees and penalties would incur according to XXXX. XXXX then conferenced in a representative from my insurance company, XXXX, and while pretending to be canceled by previous request for insurance to submit for insurance to pay. XXXX seemed suspicious but with proof cancel the request to submit. I then paid amount {$1100.00} not remembering the call from day before that quoted {$610.00} XXXX promised to call back the next evening with her associates name XXXX to request reimbursement from my insurance company for the payment made to her company. I have not heard from Trinity and Hope since. Feeling uneasy about situation I called XXXX XXXX that same evening and found that the only charge pending for that day was {$1500.00} to XXXX XXXX XXXX XXXX, name that was never mentioned in call to XXXX. Only Trinity and Hope Associates was mentioned. I was advised by XXXX XXXX to wait until charge was posted before I disputed it. This is what I did, submitting to them all paperwork on this matter. Finding bill from hospital in the amount of {$610.00} I was willing to dispute only the excess charge over that amount however after calling insurance and learning there was never a request for payment from hospital in my name or the billing account listed I decide to dispute the entire {$1500.00} that was charged. My insurance is looking into that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had my credit report pulled from Equifax by XXXX XXXX. The bank was unable to process my loan do to a fraud report being on credit report. I called Equifax and was told by numerous agents that there was no block on the report. the credit union pulled the credit again and it was still there. not sure how to get this Fraud block off as no one is able to help me at Equifax. further more after I hung up with them my online Equifax account was not accessible and I am not able to get into my credit report
Product: Debt collection

XXXX XXXX management XX/XX/23 threatened me. To take legal actions against me. They call multiple times in a week.
Product: Credit card

XXXX PMT FROM BILL PAYER SERVICE ( Error in payment to credit card XXXX ) XXXX " XXXX XXXX XXXX '' ( Bank change status of payment ) - Bank of America returned money in a Check to confused address.

- Bank of America do not confirm address before delivery. 
XXXX Check was cancelled, and an Electronic Transfer was processed to return money in 10 days. 
XXXX I have not received the money on the provided account, nor have I been given a date to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

Transunion reporting information without my written consent, XXXX reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX  reporting collection inaccuracy and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXXXXXX XXXX XXXX  innacurayly reported XXXX XXXX XXXX  XXXX negative payments reported inaccuratly JXXXX XXXX XXXX XXXX reporting late payments inaccurate XXXX  Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis
Product: Debt collection

CREDENCE RESOURCE MANA XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.
Product: Credit card

I've been battling an account from Wells Fargo on my credit report for sometime now and it's getting ridiculous. Wells Fargo reports a credit card as charged off yetis showing an owed balance. None of the information on the credit report is identical therefor makes it inaccurate. Additionally, contrary to the cardmember arbitration agreement, in XX/XX/year> Wells Fargo filed a motion for judgement to garnish my wages. According to the cardmenmber agreement, upon accepting the card both myself and wells fargo WAIVED the right to trial by jury or judge yet they proceeded. I am at this point willing to file suit for violating the terms of the cardmember agreement and violating my consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX REPORTED A LATE PAYMENT ON MY CREDIT WHICH IS FALSE. THIS HAS HURT MY SCORE SEVERLY