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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I closed all of my accounts with Key Bank a total of 3 accounts on XX/XX/XXXX. I received a letter in the mail on XX/XX/XXXX saying that I has been over drawn {$110.00}. I was never contacted about this issue from Key Bank. When I called the number on the letter they said the account ( Checking ) was not closed properly and that it was my problem and there was nothing they could do for me. The XXXX XXXX branch has giving my husband ( XXXX XXXX ) a hard time for the past 3 years to go in to the branch and cash checks & deposit his XXXX checks into my account. We know protocols are for cashing checks if not on the account ( 2 forms of ID & a {$7.00} fee ) he had 4 forms of ID. They even took it a step further and called the police to have him removed from the branch. This branch location has such a turn over in personal every time you walk in there are different faces there. This is many reasons that we closed out the accounts at Key Bank. The main reason we are contacting you now is the letter that is dated XX/XX/XXXX from Key Bank says that I owe them {$110.00} over drawn this account is closed I feel that I don't owe this due to the mistake made by Key Bank Association. Please contact me if you have questions XXXX XXXX @ XXXX cell, work # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a new Credit Card with XXXX XXXX with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second  representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from Experian with 100 %  inaccurate information : Alert 1 - That XXXX XXXX reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That XXXX XXXX reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3XXXX That XXXX XXXX reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from XXXX XXXX have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.
Product: Mortgage

I am behind in mortgage payments due to lost income. I contacted my Wells Fargo, who holds my mortgage to try to work something out. I am told I can not apply for home equity loan or other plans unless I agree to do a forbearance, and pay the total sum when requested due. I am being coerced into signing this when I have no idea what the amount will be or how much time I will have to pay it. I also must agree that if I pay less than the total amount the forbearance is void and the bank will foreclose. How is it legal that I must agree to unknown amounts and terms?
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm confused as to why XXXX XXXX REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with Equifax as well as XXXX however to no avail. Equifax said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with XXXX knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XXXX and I have given XXXX as well as Equifax more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.
Product: Mortgage

XX/XX/XXXX I received a letter stating my Escrow taxes had not been paid yet. I pay them every month with my house payment. I called my tax office and they informed me that XXXX had not received the right PPIN which is there responsibility to pay my tax. I called XXXX and explained this to them, I sent emails and explained this. The amount of my taxes are XXXX and XXXX. I can not get anyone to tell me anything. They will not return my call, I have called everyday and today is XX/XX/XXXX. My next step is to contact my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Payday loan, title loan, or personal loan

The account with AQUA FINANCE with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a Dispute with Equifax and XXXX credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Department of ED Aidvantage are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by Dep. of ED Aidvantage for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and DTI, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022 XXXX from XXXX XXXX on XX/XX/2022
Product: Payday loan, title loan, or personal loan

I visited a local lawn mower store by the name of XXXX XXXX. I received a quote for a lawn mower for {$10000.00}. As of today, XX/XX/2019, a loan was submitted on my behalf, without a binding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Product: Debt collection

According to FCRA Section 605B it is illegal to report information on my credit report without my permission. 15 usc 1692 c ( c ) - If a consumer notifies a debt collection that consumer refuses to pay debt, the debt collector must cease ALL communication including reporting to the credit companies.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00}
Product: Mortgage

Wells Fargo Home Mortgage is incompetent and alters fixed mortgage payment amounts without customer approval or signature. 

My Wells Fargo Home Loan was restructured in XX/XX/XXXX to remove the escrow account so that I would be responsible for paying my property taxes directly to XXXX XXXX XXXX. 

I have paid my property taxes every year since. 

I paid my XXXX taxes. 

On XX/XX/XXXX, Wells Fargo sent me an erroneous letter stating that {$2600.00} of my taxes had not been paid. 

XX/XX/XXXX, Wells Fargo set up an escrow account & paid {$200.00} to XXXX XXXX for XXXX taxes which XXXX XXXX listed me as having a zero balance and that all taxes had been paid. Wells Fargo did this without my approval, without my signature and without advance notice. 

XX/XX/XXXX, I spoke to XXXX in the escrow department and requested the escrow account be removed. 

XX/XX/XXXX, I'm scheduling my mortgage payment and discover that Wells Fargo added {$470.00} to my monthly mortgage payment of {$1000.00} ; a 47 % increase. Wells Fargo did this without my approval, without my signature and without advance notice. 

I spoke to XXXX in escrow on XX/XX/XXXX and she stated that Wells Fargo paid my XXXX taxes and the additional {$470.00} per month was to reimburse Wells Fargo for XXXX years of tax payments. Wells Fargo wants {$5700.00} per year for taxes. Whereas XXXX XXXX wants {$2700.00}. Wells Fargo did this without my approval, without my signature and without advance notice. 

XXXX XXXX has no record of receiving the supposed {$2500.00} from Wells Fargo. 

XX/XX/XXXX XXXX in Wells Fargo customer service/ escrow told me that XXXX XXXX contacted Wells Fargo about me. This is a misrepresentation because XXXX XXXX does not contact their citizens ' mortgage lenders ; XXXX XXXX states that it's illegal for them to do this. 

To summarize, Wells Fargo has done the following : 1. Interfered in my relationship with my local tax department 2. Created an escrow account without my approval or signature 3. Sent a payment to Forsyth County to pay a nonexistent {$200.00} balance 4. Failed to remove the escrow account when I requested this on XX/XX/XXXX XXXX. Added {$470.00} per month to my mortgage payment without my approval or signature 6. Sent a non existent {$2500.00} payment 7. Made false statement about XXXX XXXX contacting Wells Fargo about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to transunion that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to trans union telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. 
transunionhas failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of 15 U.S.C. 1681b ( e ) ( 6 ) by XXXX and Experian To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information on my consumer reports and the failure of XXXX and Experian to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( e ) ( 6 ). 

Details of the Issue : 1. I submitted a dispute to all three major consumer reporting agencies ( CRAs ) XXXX, XXXX, and Experianregarding inaccurate and unverifiable information on my consumer report. 

2. Following my dispute, XXXX deleted the unverifiable information. However, XXXX and Experian failed to take the same action, leaving conflicting information on my consumer reports. 

3. Under 15 U.S.C. 1681b ( e ) ( 6 ), CRAs are required to maintain a joint notification system to ensure maximum possible accuracy and consistency in consumer reporting. The failure of XXXX and Experian to update or verify this information demonstrates a lack of reasonable procedures to ensure compliance with this obligation. 

Harm Experienced : The conflicting information on my consumer reports has caused confusion and resulted in financial harm on multiple occasions from being denied loans as well as missed employment opportunities, and denial of credit, as creditors rely on inaccurate reports when making decisions. 

Relief Requested : 1. I request that XXXX and Experian investigate the discrepancies on my consumer reports, verify the information, and update or delete any unverifiable or inaccurate data to align with XXXX actions. 

2. I ask for CFPB oversight to ensure that XXXX and Experian comply with the FCRA and maintain reasonable procedures to ensure a joint notification system as required under 15 U.S.C. 1681b ( e ) ( 6 ). 

3. I seek confirmation of corrective actions taken and assurance that XXXX and Experian will implement measures to prevent such inconsistencies in the future. 

I trust the CFPB will address this matter promptly to protect my rights as a consumer under the FCRA. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I did not give written permission to have these accounts furnished on my credit report. This is a validation of the credit law 15 USC 1681a2. I demand these hard inquires be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX acct # XXXX NO CONTRACT XXXX XXXX is using my identity and saying that I owe them this is fraud According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

reporting adverse information has affected my livelihood, causing me to be oppressed 1006.6 code of federal regulation states that a debt collector must not communicate, in connection with the collection of any debt, with any person other than consumer 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S. Code 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 U.S. Code 1681b no written instructions of the consumer to whom it relates. 

Credit bureaus not letting me know how my credit information is being used is a direct violation noT the FCRA
Product: Debt collection

My consumer rights are being violated by Spring Oak Capital they obtained my information from a 3rd party without my consent and my privacy rights are being breached. I sent a letter to Spring Oak Captial on XX/XX/XXXX asking them to cease and desist the sharing of my information with other 3rd parites. They fraudlent obtained and shared my information with credit reporting agencies. I reserve all right to the rights of my privacy, Privacy Act of 1974. Furthermore the may have violated others Acts as well.

Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act prohibits debt collectors from using deceptive, unfair, or abusive practices in the collection of debts. Obtaining personal information from a third party without the debtor 's consent may be deemed as an unfair practice under this act. 

Gramm-Leach-Bliley Act ( GLBA ) : The Gramm-Leach-Bliley Act protects the privacy of consumer financial information. Unauthorized access to and acquisition of nonpublic personal information without consent is a violation of this act.

Right to Financial Privacy Act ( RFPA ) : The Right to Financial Privacy Act protects the confidentiality of personal financial records. The unauthorized acquisition of my financial information without my consent is a breach of this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed 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/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CBE keeps sending unauthorized text messages that have now cost me money on my phone plan. I never once spoke to anyone before they started sending them without my permission. I shouldnt have to cancel something I never authorized or asked for in the beginning and its ridiculous I have charges for the messages on my mobile phone account bill. This is XXXX.
Product: Credit card or prepaid card

There was 4 charges of XXXX, XXXX, XXXX, XXXX at a XXXX on XX/XX/XXXX or XXXX When I reported it to my bank they told me I made those charges I have told them I did not make them and even went to my local XXXX and they do not even see those charges The bank can not tell me where these charges took place Since they are not finding out who did this I am trying to find out but nobody can tell me where they were done. We have called square a dozen times and do not get a response back when told we would get a call or email They are not trying to resolve this. 
I cant see how XXXX disappeared which I worked hard for.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] To Whom It May Concern, I am writing to formally dispute a collection account that has been reported incorrectly. I recently contacted the diagnostics lab regarding charges that were mistakenly attributed to my account due to identity theft. 

On [ XX/XX/year> ], I spoke with a customer service representative who confirmed that the charges had already been removed from my account, indicating that I owe nothing. However, I have since received a bill at an incorrect address, which is unacceptable given the circumstances. 

I request that you investigate this matter and remove the collection from my records. If this issue is not resolved promptly, I will be forced to take further action. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ] Make sure to fill in the specific dates and any other details before sending it out.
Product: Debt collection

Never received notice to dispute. First Point Collection Resources placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.