23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX XXXX XXXX XXXX XXXX to send me the letter they sent to XXXX, see attached. 
I found a better insurance company, and as their letter states, i requested to cancel policy 2 month before it sends in XX/XX/year>. This was my request. This was not NOT safeco cancelling my policy for any reason. 
YET, LexisNexis/FIRSt reported it as " Company Cancelled ''!! This has negative repurcussions, my current anf future insurance agents will think i had done someting bad, not maintained house, too many claims, etc when they read that XXXX XXXX Cancelled me. 
Safeco said Nexis lexis reported it incorrectly, i have to dispute with Nexis Lexis, as i am doing here.
Product: Consumer Loan

I have a vehicle loan with Well Fargo Dealer Services. Two months after I made the purchase I had a XXXX which led to financial hardship. Over the course of the past for years Wells Fargo has worked with me to offer grace while securing payments as I was out of work. I appreciate their willingness to support me through recovery and I am still recovering. I have paid the notes as I have received. Once the vehicle was returned to Wells Fargo but we arranged for it to be returned to me mainly because of the age, and resale value. After that I had some work but was not fully XXXX recovered and needed XXXX attention that I could not afford at the time. I kept the payments up as best I could making multiple payments at once when I could, whatever I got paid, I sent to Wells Fargo. I was averaging payments about every three months, sometimes four months and sometimes they would add payments to the end of the loan to help me out. I noticed in XX/XX/XXXX that a Charge Off was placed on my credit regarding the loan. It appears to have happened in XX/XX/XXXX. I was unaware. Late XX/XX/XXXX, early XX/XX/XXXX I was made aware that my XXXX year old daughter was receiving calls from Wells Fargo representatives regarding the vehicle. She was told " that she was driving her mothers truck and it was illegal '', of course she was confused and terrified as she has never been under the wheel of any vehicle of mine nor any vehicle financed to me. She has had XXXX vehicles of her own since she was XXXX and they were all purchased by her father. Since then the calls have continued to her phone, her fathers phone and my sons phone. All of whom have no contact with any vehicle of mine. Ex-husbands with power do n't need fuel like this. My children do not have a loan with Wells Fargo and the humiliation from the XXXX and loosing everything but my life has been enough for them to hear about. My phone number has remained the same. The vehicle is in the same place where it was picked up before. I am grateful for all that Wells Fargo has done for me. I am writing to inquire as to who is contacting my ex-husband, my daughter and my son. Who ever it is, has never once reached out to me. As stated, my number is the same. I am in XXXX three times a week till XX/XX/XXXX or XX/XX/XXXX for a few hours however I am reachable. Making false accusations to a minor is all I 'm asking who ever is calling to refrain from. My ex-husband and my son work for XXXX. I 'm writing for a peaceful resolution. The vehicle has not been driven, I have been advise that perhaps the person contacting them is not Wells Fargo. I 'm here for clarity. Again, I would never be able to go out on any company review site and say anything bad about Wells Fargo, the company was gracious during a very terrible time in my life. My only regret is that when I went to buy the vehicle I was going to pay cash, I was told a loan would be a better credit building option. I should have paid cash, we would n't be having this issue to resolve. On the other hand, if I had, I would not have been able to live at all. Life is unpredictable, even when we do all that we can to prepare.
Product: Credit card or prepaid card

Bank of America issued a XXXX statement a month after closing my card. They claimed it was for interest on past purchases today, but when I closed the account I was told I only needed to pay off the statement and I was good to go.
Product: Debt collection

I am aware that according to article XXXX, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with RTR Financial Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving RTR Financial Services any right to collect on this alleged debt. I have never received any documentation requesting validation from RTR financial services. If RTR Financial services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until RTR Financial services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RTR Financial services continues its collection efforts, I will file for litigation for actual damages caused and RTR Financial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

On XX/XX/XXXX I paid the full statement balance of {$19000.00} on my Flagstar VISA credit card. I believed that my balance was then at {$0.00}. However, on my next statement there was an interest charge of {$41.00} for the period of time between the date the statement was issued and the payment date. I was out of town on business when the statement arrived, and was unaware that there was additional interest to pay. Flagstar charged me {$30.00} late fee. 
When I got home, I saw the mailed statement. I called Flagstar, got the late fee waived, and paid the {$41.00} interest. I believed the balance was paid in full. As it turns out, Flagstar charged another {$1.00} interest on the period of time the previous month 's interest had been unpaid. However, I was out of town again at the time the statement arrived.

When I got home I saw the new statement with additional interest and another {$31.00} in late fees. 
Today, XX/XX/XXXX, I called Flagstar and requested the new late fee be waived. Flagstar refused, because they had waived a late fee the month before. I explained that I had paid the balance on the account, but there was a charge of {$1.00} additional interest on the previous interest charge. I felt that it was unfair to charge {$31.00} late fee for unpaid interest of {$1.00} after I had paid the account balance. I expressed this to customer service rep XXXX, and to manage XXXX. The Call Confirmation number for my conversation with XXXX is XXXX. 
Due to Flagstar 's complete unwillingness to reverse the late charge, I cancelled my account. I did pay the current balance of {$33.00}, which XXXX assured me was the complete amount due and that there would be no additional charges. 
I feel that Flagstar 's late fee charge of {$31.00} in this instance is unfair and excessive and should be returned to me.
Product: Credit reporting or other personal consumer reports

My vehicle was paid off on XX/XX/year> and since then two collection agencies has been reported to my account and I got those removed and now a 3rd agency is on my credit report for the same vehicle. They didnt resolve this issue without a contract, signature, payment history, also without correct make and model of the vehicle. I would like for thXXXX XXXX XXXX XXXX XXXX removed from my credit report because I never did no business with this company.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Best Buy canceled my card since 2020 but they continued to automatically charge my account and I never stopped paying. But from the date of cancellation they did not allow me to see my account statement online even though they charged my card. When I closed my bank account to get them to contact me, they sent me messages charging more interest. I don't want to stop paying my debt but they are forcing me to send the balance I owe to that company to a collection company. This process is not fair or ethical for anyone because they have been charging me and without giving me the right to information on my account balance. I feel cheated by that company because they did not give me the opportunity to pay my full debt for more than 4 years but they did benefit from the interest they overcharged me.
Product: Credit reporting

I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
Product: Credit reporting or other personal consumer reports

Equifax reps are XXXX  XXXX! All of a sudden, after no login issues earlier today, I'm unable to login nor get a credit report ANYWHERE! My credit union needed the fraud alert removed so they could access my report. They reach out to me twice saying they can not access my accounts, Equifax says there's no locks on it but apparently THERE ARE! I'm XXXX off! I spoke to FOUR reps today and none of them should be working for a credit bureau, they're incompetent and useless. The XXXX system can't even verify me now and everything was working perfectly this morning! All they had me do was reset my XXXX password multiple times and send emails that it's resolved. Wasn't XXXX resolved and still isn't! I can't even have the XXXX credit union access my report now because of Equifax 's XXXX! This is the SECOND time this has happened to me, and I told XXXX of the incompetent reps that and that I knew it was far from a technical issue and they still spoke over me as if they knew what they were talking about when they didn't know XXXX. If I'm TELLING you this same EXACT thing has happened before, months ago, and what had to be done ON THE PHONE, which wasn't a XXXX technical issue at all, then don't XXXX tell me it's what YOU say it is. XXXX poor XXXX customer service and XXXX poor XXXX system of theirs, this needs to be fixed NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for no Dillard credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for almost a year and have been sending disputes to XXXX, equifax, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, equifax, and XXXX remove the following incorrect accounts from my credit reports : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the third time! According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

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

I have never lived out of TEXAS and there are several addresses on my report that say Florida.
Product: Prepaid card

On XXXX I purchased XXXX Cards at my local XXXX pharmacy. My credit card was charged. When the cards were " activated '' there was some sort of error which led to XXXX the cards not being activated, while the third card was supposedly fully loaded with the {$470.00} I had paid. The store manager refunded my credit card for the other XXXX cards which were not activated. When I later went to use the " activated '' card I found there was no money on it. That same day I contacted XXXX and sent in via email and fax all the documentation. Now, after more than two weeks and half a dozen phone calls they inform me that ALL of the cards were supposedly activated and that I used them all at the same store immediately to make purchases! This is completely incorrect and I have all the receipts to verify what I am saying.
Product: Debt collection

This is is complaint involving the communication practices and loan mismanagement by Nationstar Mortgage LLC d/b/a XXXX XXXX XXXX XXXX is a service mark of Nationstar Mortgage LLC. I recently took over the home from my mother who XXXX XXXX in XX/XX/XXXX. I am the owner and occupant of the home in XXXX XXXX  SC. I was going through a loan modification, in which I made all the normal mortgage and trial payments through XX/XX/XXXX The new terms took effect onXX/XX/XXXX, and I made the XX/XX/XXXXpayment on XX/XX/XXXX. We were never informed that there was more documentation being sent out to be signed, which we never received. We received multiple phone calls and they never left a message stating this matter. I called back these phone calls ( that were made during work hours ), and all they mentioned was that we continue to make monthly payments. I was in the middle of trying to sell my home, and I called in XX/XX/XXXXto make sure the payoff balance was still the new terms of $ XXXX versus the old terms of $ XXXX. They loan specialist said yes, and that I can request the payoff balance at any time. I was in the middle of finalizing terms with a buyer, and I noticed that they are saying the account is past due sinceXX/XX/XXXX, and that the terms are back up to the $ XXXX  balance. I spoke with an agent who said he could send a notary service out to expedite the signage of the trial modification documents on Friday, XX/XX/XXXX. However, I spoke with an agent and her supervisor onXX/XX/XXXX, and she said the loan modification was marked as rejected onXX/XX/XXXX She went on to say there is nothing they can do, and that I would need to speak to an investor. I asked if she had a contact for this investor or to state my case, and she told me to XXXX them. I asked if she can repeat that and provide me the contact she has, and she went on to say that they do not have that information and that she could XXXX it for me. I have been dealing with this matter for over a year, and my frustration levels are extremely high. This is highly unprofessional, unethical, illogical, and asinine. They way they conduct business is outrageous, and I truly believe their business practices should be audited. We are looking into other ways to remediate this situation
Product: Debt collection

Despute letter was sent to company to validate said amount of {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Product: Credit reporting

I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance XXXX account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.