23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For the past few months Wells Fargo has been increasing my payments each month. Although I have not been charging over XXXX each and every month. 

The increase is only due to my amount of saving in the account, I have been saving money to pay for my soon admission to a XXXX home, my savings are NOT DISPOSABLE INCOME!, Wells Fargo is trying to extort money from me since as a result of my saving amount in the checking account. 

Wells Fargo could care less that, I am a XXXX XXXX XXXX XXXX citizen on social low social security XXXX income. 

these increase in fees are inhibiting my ability to meet my basic human needs of food, prescriptions etc rent etc. but Wells Fargo has absolutely no value for me as a loyal for over the past 10 years, they just want my money, they dont care that my refrigerator is bare, I cant purchase my XXXX  and XXXX medication this month.. I now have a XXXX notice, before a XXXX is available at the XXXX home.. 

Wells Fargo stipulated, The rule is for increasing monthly payments, is when you charge more then XXXX per month your fees go up, I havent been charging no where near XXXX per month, rarely charge anything in that card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, & (  XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries appearing on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with XXXX & Experian regarding fraudulent accounts being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX services showing up twice on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I discovered I never received my title on a car purchased and paid off in XXXX. In addition, I learned Exeter XXXX reported me being late multiple times. I contacted Exeter and was told the payments werent 30 days late but there were late fees that were not paid. I disputed that I had acurred these charges. If I was never late on my actual car payments and paid the car off in XXXX how can Exeter report me being XXXX, XXXX, XXXX and 120 days late XXXX, XXXX, XXXX & XXXX of XXXX? And not release my title. Ive called several times and all they have said is they will send me the history. But this does not correct the issue on my credit report.
Product: Bank account or service

A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee.
Product: Mortgage

I received an alert on XXXX/XXXX/XXXX that there were missed payments being reported to XXXX relative to SPS Mortgage loan. Please note, the account was incorrectly reported as 150 days late to XXXX as of XXXX. I submitted an online dispute through XXXX on XXXX/XXXX/XXXX as SPS took over servicing of the account effective XXXX/XXXX/XXXX ; therefore, account could not be 150 days reported late if they only serviced the account for 60 days. XXXX dispute results received today, XXXX/XXXX/XXXX and SPS did not update their reporting information to reflect the accurate number of late payments. 

Further the account was previously serviced by XXXX. XXXX XXXX already filed record of 60 and 90 days late through credit bureaus. SPS Servicing is double dipping on the late payments recorded I believe as a result of my separate complaint filed with CFPB for the intentional mishandling and delay of my loan modification. I am respectfully requesting they remove these incorrectly late payments and update to match the time they have serviced the account XXXX/XXXX/XXXX. If they had not mishandled and intentionally caused a delay in my file handling - I would not be going through this long standing impact to credit file. Please note my first loan with XXXX Mortgage was modified back in XXXX within 60 days based upon the same information submitted to XXXX and subsequently SPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to XX/XX/XXXX, Equifax, and XX/XX/XXXX about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint via phone with Equifax XX/XX/XXXX regarding 3 unverified accounts being reported " XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX XXXX ''. I checked the dispute status today and it still says pending its been 39days it was said on the dispute status page that it was estimated to be completed by the XX/XX/XXXX. I have not received anything verifying theses accounts, nor any updates about this dispute.
Product: Credit reporting

I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Equifax in this regard for the past XXXX months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My complaint is between Truist Bank ( Truist ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. I phoned XXXX to purchase an airline XXXX ticket from XXXXXXXX XXXX XXXX I needed to return home to XXXX, as my brother, ( over XXXX yrs ) was quite ill. 
2. During call I was transferred to some group called XXXX. XXXX took my bank details to pay for my flighth ticket. She emailed me a form, and said that it was all I needed to take to airport as proof of purchase. 
XXXX. Next morning, my bank, TRUIST emailed me that my acct. was on hold. XXXX  XXXX during XXXX attempted 13 times to withdraw various amounts of money. Three addiitonal payments were approved before bank caught it. I was quickly reimbursed for those 3 unauthorised withdrawals. 
TRUIST - a week ago told me my flight ticket claim was denied. 
How can it be denied, when XXXX told me that I never had a ticket because it was never paid for. XXXX XXXX kept my money.
Product: Credit reporting or other personal consumer reports

I have dispatched certified letters to XXXX, and the company issued a stall letter to my XXXX account dated XX/XX/XXXX. I have submitted several pages for correction in a certified letter concerning inaccurate information on my credit report. Additionally, I inquired about the furnishing company that reported the bankruptcy and the methods they employed to verify this information on my credit file, as well as the investigation process used to validate it on my credit report. ALSO please correct the information that provided to both credit bureaus XXXX and Equifax on all inaccurate information that reporting against my credit profile. Delete old address and phone numbers, I don't associate with them. 
respond to my letters tracking number to XXXX XXXX XXXX # : XXXX and Equifax XXXX XXXX # : XXXX dates : Cost : {$16.00} Pages : 16 Color : yes Double-sided : yes Est. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( XXXX days ) Extra service : Certified mail. 

Cost : {$13.00} to XXXX Pages : 11 Color : no Double-sided : yes Est. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( 3-10 days ) Extra service : Certified mail The negative items on my credit profile appear to be erroneous. I am disputing these claims and insist that any information suggesting I am less than perfect be removed immediately. The allegations that this information is negative, false, or incorrect are without merit. I have yet to receive any tangible evidence supporting these claims. Your report deviates from essential reporting standards, rendering the data inaccurate and incomplete. I challenge you to prove the legitimacy of these allegations against me. Document your compliance with reporting requirements and ensure there are no deviations. According to 15 U.S.C 1681e, a consumer reporting agency must adhere to reasonable procedures to guarantee the accuracy of the information regarding the individual in question. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to : A - Provide information about a consumer 's accounts or relationships with integrity. B - Ensure the information about a consumer 's accounts or relationships is accurate. C - Conduct reasonable investigations of consumer disputes. It is vital to acknowledge that any reporting errors can compromise the accuracy of the information, which has significant consequences for both federally regulated reports and Metro 2 compliance standards. The CRRG states that any deviation from these standards endangers data integrity. Therefore, I have identified several mistakes and inaccuracies in your report, necessitating an investigation into these erroneous items so they can be corrected or removed. It is your responsibility to protect my rights, and continued reporting of imperfect claims indicates negligence. It is unjust to continue this practice.
Product: Debt collection

Navient has collected {$12000.00} from me over the past year in payments toward federal and private student loans. {$11000.00} went toward interest only payments and only {$700.00} has gone toward the principal balance. I continue to accrue > $ XXXX/month in interest. There is no foreseeable end to this repayment plan because my principle balance has not gone down. In the past, when I have not been able to make payments due to being in school or being in between jobs, they have offered me deferment plans that have only allowed my loans to accrue more interest. Each time I call Navient they are unable to offer me a viable repayment option that does not result in me continuing to acquire debt with them while paying > {$1000.00} a month.
Product: Money transfer, virtual currency, or money service

PayPal closed my account with {$1000.00} for no reason on XX/XX/2021 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX gmail.com
Product: Credit reporting or other personal consumer reports

An account was established with XXXX XXXX in XXXX and was discharged to collections in the amount of {$1500.00} to XXXX XXXX on XX/XX/XXXX XXXX XXXX transferred the debt to a company called Unifin. I received a text message from Unifin on XX/XX/XXXX trying to collect the debt as well. I called Unifin and spoke with a rep by the name of XXXX and asked what was the nature of her call and she advised that XXXX XXXX sold them the collections debt of the amount stated above. I asked XXXX as well as XXXX XXXX to provide the original contract and or agreement purchased from the original creditor and neither company could provide the original contract. I also tried reaching out to XXXX to obtain the contract but was unsuccessful in retrieving it. I submitted a complaint to XXXX opting out and rescinding my authorization written and unwritten verbal authorization via electronic submission and certified mail.whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Please see attached letter to XXXX and their violation. I am writing to formally request that XXXX XXXX honor my rights as a Federally protected consumer. I am requesting that XXXX XXXX immediately and indefinitely opt me out of sharing any of my personal data with third parties as per USC 15 6802. which states '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account is considered to be an adverse item that was reported without my permission per usc 1681s-is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting " I also request that XXXX XXXX rescind any and all authorizations and consents previously given concerning the use and sharing my personal information. This is to ensure that my records accurately reflect my current preferences regarding the handling of my data. Please acknowledge receipt of this letter and confirm in writing that my requests have been processed. I expect that XXXX XXXX will take the necessary steps to ensure compliance with my request in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attacher is a copy of the complaint I sent to LakeviewXXXX XXXX my mortgage company. LakeView has been incorrectly/or not reporting my payment history with them for over 8 years now, and it is affecting me adversly. I have never missed a payment every since I have had a loan with them. Nor have I ever been in a bankruptcy with this lender. This lender carries a bankruptcy disclouser on my mortgage staments, and I have pleded with them to discontinue this behavior, but they continue to violate me in this manner. I have researched this company, and found out they have did the same thing to other mortgage holders, and have been fined. 

This behavior on part of LakeView has cause me to be denied credit for a Home equity loan. Yes, that is another whole seperate complaint coming over to you. My civil rights have been violated and I am not sure if they can understand the affects of having that happen to you. I would like to prosecute this complaint to the furthiest extent possible. please forward my complaint to other governing bodies whom regulates mortgage lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  Account charged off. {$640.00} written off. {$640.00} past due as of XXXX 2020 Continues listing a new charge off every month Shows balance owed even though should get a XXXX and XXXX  balance if it is a write off First complained that they listed one account as 22 charge offs Now they have it listed at 21 charge offs this is not fair and seems like they are somehow doing this to more people than me and creating a credit report nightmare XXXX Since first complaint Corrected balance but arbitrarily listed date to reflect this month instead of initial charge off date In my first complaint they listed 17 charge-offs now they arbitrarily created 8charge offs These three companies are listing information that can not be trusted whatsoever The XXXX  XXXX XXXX has two accounts listed on with 9 charge offs and one with two charge offs
Product: Credit reporting or other personal consumer reports

Dear Equifax and CFPB, I am writing to formally dispute multiple inaccuracies, unverified entries, and misleading information regarding my credit report as it pertains to the account listed by XXXX XXXX. The discrepancies not only misrepresent my financial history but also significantly impact my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : 1. **Unverified and Outdated Information** : The report shows an " Account Status '' of " Derogatory '' with a " Balance '' of {$120.00} and a " Payment Status '' of " Collection/Ch. '' However, the " Last Reported '' date is XX/XX/year>, while the " Date of Last Activity '' is noted as XX/XX/year>. This discrepancy raises serious concerns about the accuracy and timeliness of the information reported, violating my rights under 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

2. **Misleading Comments** : The report states that the account was " closed at consumers request and dispute resolved, '' yet it also indicates that the " consumer disagrees '' that the account is seriously past due. This conflicting information creates confusion and misrepresents my actual financial obligations. It is crucial for my credit report to reflect accurate information to avoid unjust penalties on my credit score.

3. **Impact on Credit Health** : I have made numerous attempts to resolve these issues with Equifax yet each time I reach out, I am met with responses that fail to address the inaccuracies adequately. The ongoing presence of this misleading information severely limits my access to credit, increases my financial burdens, and causes undue stress and XXXX regarding my financial future. 

4. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under 15 USC 1681e ( b ) as well as 15 USC 1681i , which allows consumers to dispute inaccuracies in their reports and requires timely resolution of those disputes. 

Given the severity of these issues, I respectfully request that XXXX conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. It is imperative that the necessary updates to my account are completed promptly, as my financial well-being depends on it. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

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

XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX, VA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Portfolio Recovery, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX/Bridgecrest always made my payments, I was not perfect but made sure the payments were made. I had the car 10 months and, paid every month tell XX/XX/XXXX the car was totaled XX/XX/XXXX it was signed over to XXXX XXXX XXXX XXXX XX/XX/XXXX, it is at a auction house I no longer own or, have had the car since XX/XX/XXXX. I still was nice and, made payments for a month and, a hafe after I signed it over to the insuance company. I also have Gap, and full drivecare gps warrantys on the car that I paid an extra XXXX for. Bridgecrest/XXXX got the insurance check for XXXX and, is still trying to bill me XXXX for a car I no longer own or have. with them getting refunded all the warrantys and, gap plus gps that I did not get to use for the five year contract this car should be paid off. This is effecting me as, they think they can double dip get me to pay for something I do not own or even have. I bought gap in case something like this happened. This is not right or fair. I am stuck without and, have XXXX XXXX XXXX bills due to a XXXX  injury, and I have to pay that out of pocket, but I had every warranty known to man on that car through XXXX, and they want to bill me XXXX.