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

I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, XXXXne or two companies made a mistake and denied my name and XXXX accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My XXXX is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX goods outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.
Product: Mortgage

XX/XX/XXXX Wells Fargo Corporate 0ffice XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : On or more specifically during the protected emergency disaster period of Hurricane Irma RE : President Donald J. Trump Approves Major Disaster Declaration for Florida Release date : XX/XX/XXXX Release Number : XXXX Wells Fargo knowingly purposely and wrongfully attempted to auction force sale my home via the court scheduled dates on 3 seperate consecutive times during the disaster period being XX/XX/XXXX followed by XX/XX/XXXX and continued by XX/XX/XXXX. it is a fact that this banking institution repeatedly ignored and neglected all consequences or damages related or implicated causing tremendous violations against my person surrounding and directly affecting the facts herein by their actions based on unjust, unfair and unreasonable practices. 
Each disaster in this case Irma is a severe event that requires careful assessment. And because relief and recovery may take a long time, The short term period recovery phase of a disaster period typically lasts from six months to at least one year because immediate threats presented by the disaster, including meeting humanitarian needs ( food, shelter, clothing, public health and safety, home repairs, ), cleanup, damage assessment etc. As the response period progresses, focus shifts from dealing with immediate emergency issues to conducting repairs, restoring utilities, clean up process and all affected areas caused by the hurricane including but not limited to all relative implications the stages of recovery dont always follow a neatly defined course or timeline. 
It is a known fact and important to see that Wells Fargo 's response against my person during this very difficult and time was nothing short of a complete deliberate, intentional cruel and unusual act that should be addressed, corrected and remedied accordingly and significantly. 
As a forekwowing witness and victim of this kind of foregoing abuse of actions conducted by Wells Fargo I hereby hold Wells Fargo responsible within the jurisdiction of all violations but not limited to this complaint. 

Sincerly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received stitches in XX/XX/XXXX for which I eventually received two separate billing statements. The first was reported through my medical insurance ( XXXX ) and I was able and did pay it in full. The second ( from XXXX XXXX ) was received later ( again through XXXX ) and did not have any way to pay. I never received any bill that gave me a way to pay. I tried calling numbers listed on the documentation that went nowhere. 

Recently ( XX/XX/XXXX ) I found out through XXXX that I had an account in collection ( with Wakefield and Associates ). I received no other notice that this was pending, and again, had never had any opportunity to pay. I contacted the collections agency and paid the debt immediately ( XX/XX/XXXX ). 

This never should have gone to my credit report, and XXXX XXXX needs to change its unethical practices. I also understand that the collection agency needs to notify me before the credit agency- this notification never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and disputed inaccurate information that is reporting on my credit report with Experian for the last 6 months, a bankruptcy. 

I have reached out to Experian via telephone on multiple occasions to get this resolved with no success. 

Every representative at Experian, Experian website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that Experian has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an Experian representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to Experian. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, Experian sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against Experian XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if Experian does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents Experian has been requesting to remove this and I attached XXXX website as well.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Material XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my experience credit report on XX/XX/2024, and notice some things are incomplete or not accurate. And According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatments of inaccurate or in unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, Or modify that item of information, as appropriate, based on results of the reinvestigation and ; ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681S-2 they are suppose to 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: Debt collection

Upon discovery after viewing my consumer report I see that Bull City Financial Solutions , Inc. & CEO XXXX XXXX XXXX XXXX is reporting an alleged debt to Consumer Reporting Agencies- ( XXXX XXXX XXXX XXXX XXXX ). Bull City Financial Solutions , Inc failed to send me the initial validation disclosure required by law to dispute this alleged debt pursuant to 15 USC 1692g ( b ). I invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & demanding that Bull City Financial Solutions , Inc cease & desist all communication & collection activity through any & mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed shall invoke legal action pursuant to 15 USC 1692k.
Product: Debt or credit management

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with XXXX, and I am seeking assistance in resolving this matter. 

On [ date ], I received an alert from XXXX stating that my XXXX XXXX had decreased by XXXX points. Upon checking my account and reviewing my credit report, I found no explanation for this significant drop. I am diligent in maintaining my financial responsibilities, and my credit report has been consistently clean. My payment history is on time, including payments for my stolen car situation. 

Regrettably, when I contacted XXXX to seek clarification, their representatives were unable to provide satisfactory answers to my questions. Despite my efforts to maintain a good credit standing, the lack of transparency on the XXXX XXXX drop has left me confused and concerned. 

Additionally, I would like to highlight my experience with Chase Bank, where I have faced challenges in obtaining assistance for my stolen car situation. The difficulties in resolving this matter have added to my distress. 

I am reaching out to the CFPB with the hope that you can investigate this issue, shed light on the reasons for the XXXX XXXX decrease, and assist in rectifying any inaccuracies. I understand the importance of maintaining a good credit standing and am committed to resolving any issues that XXXX affect it adversely. 

Thank you for your attention to this matter, and I sincerely appreciate any assistance you can provide in resolving this situation promptly. 

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

I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.
Product: Credit reporting or other personal consumer reports

Equifax is reporting unfair and incorrect information on my personal credit report. My name giving to me at birth, that are on all legal documents is, XXXX XXXX XXXX. I noticed Equifax have several incorrect names recording on the profile and for some reason haven't corrected it even after serval of their employees said they will. On XX/XX/year> I spoke to XXXX from Equifax fraud department at XXXX. The reference number to that call was # XXXX. During that phone call XXXX told me any other name other than my giving name would be removed. The XXXX names, XXXX XXXX and XXXX XXXX XXXX that is still reporting is not the correct spelling of my name. It's is not my name. I was told those XXXX additional incorrect names would be removed in the next XXXX hours. I'm submitting this claim today because 7 days later the names still weren't removed. I called back XX/XX/year> and spoke to XXXX. XXXX works in the Equifax fraud department. During our phone call I was told again by XXXX that in the next XXXX hours the XXXX incorrect names that are still reporting will be removed. The reference number to that call is # XXXX. For reason I can not understand Equifax is refusing to delete incorrect information, and allowing XXXX different names to record on my credit report. This issue has been mentally draining. I'm asking Equifax please delete those XXXX incorrect names. That is not me!
Product: Checking or savings account

Hi XXXX, My name is XXXX and Im a manager with Cash App. Your case was escalated to me today by a colleague at the company for further review. I understand that you are concerned about the denial of a {$900.00} ATM withdrawal that you state occurred after your phone and purse were stolen. I know how alarming something like this can be. 
In reviewing your case history with us, I see that we previously assisted you with this issue on XX/XX/XXXX. For your convenience, I have included a summary of the resolution below : On XX/XX/XXXX you disputed a {$900.00} ATM withdrawal as an unauthorized transaction through Cash App. Your case was escalated to our Account Services team who followed up with you directly via mobile-app on XX/XX/XXXX, to notify you that your dispute has been denied. 

I have performed an additional review of your dispute claims and can confirm that the information previously provided is complete and accurate. 

Based on the information available to us, our investigation has led us to determine that this transaction was authorized by you, or someone you authorized to use your credentials, and no error occurred. As a result, your dispute has been denied.
Product: Mortgage

My husband is in the United States XXXX XXXX XXXX and with the budget issues last XXXX, his pay was frozen and we became behind in our mortgage payments. We called to try to work something out and we were told that we needed to pay, and that we should just borrow the money from someone. Finally some money from the XXXX XXXX started to come in ( we were 2.5 months XXXX at this time ). We called to make a payment and they stated that we needed to make XXXX payments ( which was a completely different story from when I had called a week earlier ) and they would not accept just XXXX payment. Luckily, we were able to borrow some money from a family member and made the 2 month payments. Once we made this payment, they sent us a letter saying that they would no longer accept payments from our bank, that we needed to send in a money order, cashier 's check or pay by XXXX XXXX. Both of us work full time ( XXXX - XXXX ) so getting to a bank during normal business hours is near impossible. So far I have sent XXXX payments via XXXX XXXX ( costing us a fee, of course ) and that was a painful process ( they can never find the correct business to send it to ). Today, I tried to make a payment and they could not find the business to send it to, we also had a friend who wanted to call and make a payment on our behalf and would not allow her to pay over the phone. This company is making it VERY difficult to make a payment, it is almost like they want us to default on our loan so they can take our home.
Product: Credit reporting or other personal consumer reports

I was shocked and frustrated to find an unauthorized inquiry on my credit report today, and I have no clue how it got there. I check my report regularly, and everything was fine until now. I refreshed my browser multiple times, thinking it might be a temporary issue, but the inquiry did not disappear. I demand an immediate resolution to this issue. I urge you to carefully review the documents Ive submitted so I never have to deal with this stress again.
Product: Mortgage

I have a home mortgage with Fifth Third Bank. I have made payments on the mortgage for two+ years, and property values have gone up significantly in my area. As of XXXX/XXXX/2017, based on the original appraisal, my loan to value was 87.7 %. I am fairly certain that if I were to have the home re-appraised, my loan to value would drop to 75 % or less, which is the requirement for my mortgage in order to drop the PMI ( Private Mortgage Insurance ). The PMI costs me {$85.00} a month. I have requested a re-appraisal from Fifth Third Bank four times now without success. The reason they provide is that I have not made two years of PMI payments, but I have made more than two years of PMI payments. The Fifth Third Bank customer service representatives that I speak with when I call agree that I have made the two years of PMI payments, but still tell me that is the reason why my request is being denied. They will not put me in contact with the person/agency that is denying my request. I feel like I am out of options.
Product: Credit reporting or other personal consumer reports

first tech, is in violation of the fair credit reporting act I ask for a copy of the 1099c because by law you can not report income as debt and since the IRS credited them a tax credit which is consider income.

this company is in violation of 15 usc 1681s-2 a furnisher shall not furnisher information that's inaccurate.

15 usc 1681i ( a ) 6 ( B ) 3 I HAVE THE RIGHT TO ASK FOR METHOD OF VERIFICATION 15 usc 1681i ( a ) 1 states that a furnisher has up to 30 days to respond and first tech hasn't respond
Product: Credit reporting or other personal consumer reports

I am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank abruptly stopped reporting to credit bureaus in XX/XX/XXXX. I use this card once a year and pay it off immediately, Ive had a zero balance since XX/XX/XXXX. As a result of their negligence, my credit score dropped in XX/XX/XXXX Showing I was 120 days late. I called and was told nothing can be done until I demanded to speak to a supervisor. The rep got angry but eventually transferred me. The supervisor said it would be fixed in 10 days and I got a letter from them admitting it. My score went back up. In XX/XX/XXXX they did the same exact thing showing I was 180 Days late. I called again and talked to 2 more people and got another admitting it but this time I was told It would take 90 days to fix. I disputed XXXX  credit agencies. In XXXX they did it again but went back 7 months. My credit score in falling rapidly. As a result I cant apply for a car loan for my business. I called again and they just shrugged their shoulders. I disputed it again with credit agencies who said my dispute was complete but it would take 45 days to fix. Im afraid Comenity will keep going back further and further claiming late payments. I have zero recourse. My business is suffering. My employees are suffering. Ive never been late with any payment and had a good credit score before this. Comenity refuses to help. This is the type of thing that causes financial ruin for responsible credit users. Even if I cancel this card I will get further penalized for having fewer cards. I filed with the XXXX  but I havent heard anything back. Please help.
Product: Debt collection

I am writing to file a formal complaint against your bureau for inaccurate and incomplete credit information. I am extremely distressed that the information included in my credit report profile has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that are published. As per the credit reporting laws, bureaus are required to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I request you to immediately re-investigate the following information as it is entirely inaccurate and incomplete, and as such, represents a very serious error in reporting : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. I respectfully request you to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). 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

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( Axcess financial ) XXXX XXXX XXXX
Product: Student loan

I have requested to have payments above my required payment to be applied to principle and have been told that it ca n't be done. I have requested on more than XXXX occasion going back at least 12 months. This is from ED Financials statement : the Extra Payments. Paying off your student loans sooner is easy at Edfinancial.com. When you pay more than the minimum amount due, you can direct the extra amount to specific loan groups. You may also request one-time or recurring special payment instructions via phone, email, or mail ( including your account number ) using our correspondence address : XXXX XXXX XXXX, XXXX, TN XXXX. If you plan to pursue XXXX, visit XXXX for more information regarding prepayments and how they are counted as qualifying payments.