23daVinci/CFPB_Complaints huggingface dataset:
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 deleted 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 XXXX XXXX XXXX
Product: Student loan

My Name is XXXX XXXX. I am the holder of 5 Student Loan accts. the total payoff is approx. 41K, however the amounts that the loans total seems to be XXXX. This is due to late fees and penalties. ( Which is understood ) GC Services is the debt collector I am dealing with and am told they are in contract with the US Government to provide collection services and/or solutions for the borrower.

I initiated a phone call to determine what needed to be completed to consolidate all loans into 1, further asked if there was a program that I could enter to establish a path fwd, Discussion initiated ( XX/XX/2018 ) with GC services. I was informed " pending confirmation '' of my verbally stated Salary my payment would be $ XXXX/month for 9 months at which time I would have completed my REHAB requirements and have the ability to consolidate or XXX. 
In a follow up phone call ~2 weeks later I was informed that the offer presented on the last phone cal was not available anymore and I should start again. 
This XXXX XXXX XXXX practice of bait and switch has continually existed for the duration of my payments ( which I have made since XXXX or XXXX. 

Additionally I made a complaint with the department of education in XXXX concerning these practices and GC Services.
Product: Credit card

Subject : Unresolved Dispute - Wells Fargo Complaint to CFPB Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint against Wells Fargo regarding their handling of my dispute. Below are the transaction details : - Amount : {$60.00} - Transaction Date : XX/XX/2023 - Posting Date : XX/XX/2023 - Merchant : XXXX XXXX, CA - Additional Information : XXXX XXXX XXXX CA Despite my efforts to resolve the matter directly with Wells Fargo, the dispute remains unresolved. I request your assistance in investigating this issue and ensuring a fair resolution. 

Thank you for your attention to this matter. 

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

On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Payday loan, title loan, or personal loan

I took out a payday loan from Advance America on XX/XX/2018 in the amount of {$500.00}. While we were going over the contract I asked twice if anything would be automatically taken out of my account. I was told " no '' both times. They had me leave a check with them which was supposed to be proof of my checking account. I was never told that it would be deposited. Shortly thereafter my husband lost his job and we have been unable to pay the loan back on time. We are struggling to get caught up on utilities, car payment and rent. On XX/XX/XXXX2018 they deposited my check without my knowledge and overdrew my bank account. The check was returned for insufficient funds. I contacted them and told them that might be able to start making payments in XXXX of 2018. They would not accept a payment plan. They wanted the full amount. On XX/XX/2018 they deposited my check again which left me with no money to pay my rent or my electricity. The contract does not specify how to stop ACH payments which to my understanding needs to be described or else the contract is invalid. I spoke to the company today and was told that they had been trying to reach me however no voicemails were left. They stated it was company policy not to leave voicemail messages.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of stress XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Account number XXXX I am unaware of this debt I didnt have an opportunity to dispute this debt information, if in fact that XXXX XXXX XXXX gave me proper notification please send me the certified receipt with my signature.
Product: Mortgage

Due to unexpected circumstances which were completely out of our control, we fell XXXX months behind on our mortgage with Wells Fargo. At that time, we requested mortgage assistance. Their response to our request was to increase our {$1400.00} monthly payment to over {$1900.00}. They also stated that we should not do a loan modification due to only having XXXX  years left on the loan. We did make the higher payments for XXXX months, but that payment was not financially sustainable as we were still under financial duress and the new payment amount only added to that duress.They allowed us to make partial payments for XXXX  months as long as a full payment was received by the end of the month that was ok with them. I went to make the XXXX payment and they refused to accept a partial payment. A XXXX  request for more reasonable mortgage assistance resulted in a short sale offer which was not an option for us as we have been in our home for XXXX  years and obviously have no desire to lose it. They state that there has not been any changes in income. They base it on gross not net income nor do they ask for all financial information such as expenses. Since that time, Wells Fargo has been inconsistent in accepting payments. They have refused to take some payments based on active foreclosure but have accepted others. This inconsistency and refusal to accept intermittent payments has resulted in a XXXX-month delinquency becoming a XXXX-month delinquency. I went to court on XX/XX/XXXX and when I explained this to the judge she was shocked and the attorney for the mortgage company just shook his head with dis belief. We would not be at this point if they would have helped with bring us current from the begining.We are just now recovering from our hardship and just need a little XXXX XXXX extended the foreclosure action for XXXX  days. Thank goodness for that or on XX/XX/XXXX our house would gone to foreclosure.
Product: Debt collection

this capital one account suposedly created on XX/XX/2021 i the result of unauthorized use of my personal info. i have not authorized a capital one account XXXX to be created or furnished i need this to be disputed as fraud and needs to be removed from my credit file immedielty! 



Notices of Disputes from a XXXX XXXX XXXX Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) Direct Disputes from Consumers Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 If procedural weaknesses are noted or other risks requiring further investigation are noted, such as a high number of consumer complaints regarding the accuracy of their consumer report information from the entity, select a sample of reported items and the corresponding loan or collection file to determine that the entity : d. furnished a notice to a consumer reporting agency of a dispute in situations where a consumer disputed the completeness or accuracy of any information the entity furnished, and the entity continued furnishing the information to a consumer reporting agency. Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] ; If weakness within the entitys procedures for investigating errors are revealed, review a sample of notices of discputes received from a consumer reporting agency and determine whether the entity did the following : d. reported the results of the investigation to all other nationwide consumer reporting agencies to which the information was furnished if the investigation found that the reported information was inaccurate or incomplete ( Section 623 ( b ) ( 1 ) ( D ) ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ] ; and e. modified, deleted, or blocked the reporting of information that could not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this account or did i gain any financial gain from this account.
Product: Credit card or prepaid card

Their system treats me horrible their fraud prevention its not fair it says Im a highe risk without even checking my credit and I cant get anything approved this way it wont even see if I qualify but they day itd normal so I cant have an account why cant they process and help manually or fix the problem they have with me Its not fair it doesnt even check mt credir it just says the samethinf high risk app when Im Not Thank you for applying for a BP credit card. You will receive a decision on your application by mail within 7-10 days. If you have provided us with a valid email address, you may receive a response by email within 3-4 days. 
Return Your request reference number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # 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
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00} ; 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

In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX # XXXX ) has all violated my rights. 
15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( 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 crimes which antedates the report by more than seven years.

15 USC 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.

Also, I have not supplied proof under the doctrines of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Delete : Potential Negative Entry from My Credit Report for Account XXXX in XXXX, XXXX. 

Delete : Hard Inquiries : Inquired on DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2021, I XXXX XXXX a Consumer sent a debt validation request to Merchantile Adjustments Bureau, LLC, According to USC 1692g, They in returned responded, by mail on XXXX XXXX with a a copy of a Bill from XXXX XXXX with a total {$360.00} of which was credited due to being a consumer transaction with the original creditor everyone was credited. therefore, there is no need for Mercantile Adjustments Bureau, LLc to attempt to collect a debt, that is not owed to them.
Product: Credit reporting or other personal consumer reports

The following information is incorrect : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This is also incorrect XXXX XXXX I am currently employed by XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. 
They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. 
They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I saw this negative items on my report. XXXX 's given by the Bureaus are very inaccurate across them specially the reported dates. The account status on XXXX XXXX XXXX was Paid on Experian while XXXX on XXXX, missing report on XXXX. The XXXX XXXX account was reported derogatory on XXXX only. This reports are misleading.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -Chapter XXXX. 
XXXX  XXXX Date Opened : XXXX Owed : - Chapter XXXX. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Chapter XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : $ XXXX XXXX XXXX. 
XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX
Product: Credit reporting or other personal consumer reports

Experian XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX The late payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is inaccurate and needs to be corrected. My mortgage is not deferred. I am current and not deferred on my mortgage. Please remove the deferred comment. Also, remove the comment of account in forbearance as that is in correct. This is my XXXX request with documentation. XXXXXXXX XXXX XXXX XXXXXXXX XXXX loan XXXX loan was transferred to XXXX XXXX XXXX XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXXXXXX XXXX. Remove the late payment as my account was closed with XXXX XXXX XXXXXXXX XX/XX/XXXX. This is my XXXX request. XXXX. XXXX XXXX Credit Card XXXX account has been paid for in full. Still reporting it as a charge off and written off even in XX/XX/XXXX. This account has been closed and paid off. This is my XXXX request in mail and in writing to correct this account and you are still not reporting it correctly. XXXX. XXXX XXXX. This account has been closed and paid off since XXXX. You are reporting is as a charge off. This is my XXXX request in mail and in writing to correct this account and you are still not reporting it correctly. XXXX. XXXX XXXX XXXX reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my XXXX request in mail and in writing. XXXX. XXXX XXXX XXXXXXXX reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my XXXX request in mail and in writing. XXXX. XXXX XXXX Credit Card. I do not have an open credit card with XXXX XXXX XXXX. You are reporting an open account when I do not even have an open credit card or bank account with this bank. This account was paid in full and closed in XXXX. This is my XXXX XXXX. XXXX XXXX XXXX XXXX do not have an open auto loan with XXXX XXXX XXXX. You are reporting an open account when I do not even have a bank account with this bank. This account was paid in full and closed in XXXX. This is my XXXX request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Mortgage

In recent weeks and last night I received disturbing calls from men relative to SLS : XX/XX/XXXX the first identified himself as XXXX XXXX with TN XXXX XXXX said he was from SLS and had me confirm my address and loan number. 
XXXX threatened me with legal actions such as foreclosure and said he was turning over " my case '' to SLS legal dept. He mentioned a payment of $ 900+, he said I owed him. When I asked to call him back, I did so but got his voice mail and then he called me back immediately and continued his threats. 
Since I had been spending hours of time on the phone with SLS through out the month of XX/XX/XXXX with insurance escrow problems ; ( see XXXX-XXXX ) I thought this call was maybe legit. 
I immediately reported this complaint to SLS and I got the run around with four different SLS departments. The reps said it wasn't their problem and that their department didnt handle fraudulent calls and they finally gave me their " Executive Services number XXXX XXXX. Then ... Last night XXXX, a man named XXXX called from SLS Executive SVCS. 
XXXX would not identify his company! I got angry as I could see it was SLS and and he hung up on me! He would NOT say he was from SLS but I could see the XXXX ID on my cell phone. He demanded I identify myself but I would not as he had called me!
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a credit card account with XXXX XXXX Bank on XX/XX/2014 utilizing my social security. Current creditor Portfolio Recovery Associate disclosed that the debt amount is for {$2100.00}. Address utilized is from NY, XXXX.