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

This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$4000.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX* Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX* Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on a recent credit report, I found errors in my address, name, and employer on my EQUIFAX credit report, and to my surprise, they should all be correct because it can possibly lead to a wrong identity.
Product: Bank account or service

In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. Thank you.
Product: Credit card

I had 3 accounts with capital one and I was trying to make an early payment on XXXX of the accounts. My bill was not due yet on either but I was trying to pay the balances to zero. For whatever reason the payments were returned and the next day I when I saw this I redid the payments. And after they took the money out of my bank account they closed all three of my accounts with a document that said it was fraud. When I called them they said it was because my payments had been returned and there was nothing they could do. I understand my payment was returned but I corrected the error as soon as possible. And they closed the accounts with no warning
Product: Credit card or prepaid card

XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
It appears to be a Discover Credit Card under my social with a balance of {$6600.00}. 

Account details : Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Date Updated : XX/XX/XXXX Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX Credit Limit : Credit limit of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8500.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2019, BMO HARRIS BK N.A. add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

Wells Fargo lied to me and gave me the run around with false information pertaining to my home. They told me that foreclosure had stopped because I was in a disaster relief program. Once the disaster relief was over we would then discuss my options. This was all a lie because they proceeded with foreclosure and when I tried to contact them they gave me the run with different clerks all giving me different information that was not true. The representative at Wells Fargo who was suppose to be assisting me never got back in touch with me in a timely manner. I was not aware that they was actually proceeding forward with the sale of the home until I received a notice on my door. Even though I continually made payments up until XXXX when they refused to receive payments from me. I even ask for a modification since I knew I could afford it. Wells Fargo used deception to force me in foreclosure. According to the letter on my door it says the home will go up for sale XXXX/XXXX/2016 but yet Wells Fargo continually say that there is no sale date. Also They told me that the payments that I was paying was sent back to me which is not true. I have only received {$100.00}. I informed them if they apply all the payments that I made and that they said was payment reversal then I would not be in foreclosure. I informed them of this in XXXX when I requested a printed out copy of all payments received. On the documentation I received from them concerning my payments it says the payments was reversal meaning they sent them back to me.The process that Wells Fargo is using is not legal and they are using predatory lending practices. They house has equity in it plus mineral rights therefore it is worth more than I owe on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX Opp Loans : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : XXXX  # # # # # # 50 Hard Inquiries XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX  XXXX, WA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) 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 of 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 the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( s ) from my report, immediately : Account : XXXX  | # XXXX {$1100.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Checking or savings account

I am the bookkeeper at a small community church, XXXX XXXX XXXX XXXX in XXXX, XXXX. In XX/XX/XXXX we put {$200000.00} into a one-year CD at an interest rate of 4.59 % - this amount is a significant amount of our small assets. In XX/XX/XXXX we received a letter from Capital One stating that the CD was maturing on XX/XX/XXXX, and would automatically renew. We had XXXX calendar days to make any changes to the balance. 
I phoned Capital One at the end of XX/XX/XXXX and spoke to the XXXX Department at XXXX regarding the CD renewal and the current interest rates. I was told they had just been posted and the rate would renew at the same 4.59 % rate as we were getting before. We agreed to let it renew for another year at that rate. 
A couple of months later I went online to check the balance and was shocked to discover that the renewal rate was 0.7 %. I phone the XXXX Department regularly from XXXX to XXXX and was given various promises that were never kept. 
After receiving the attached encrypted email in XXXX I continued to call and finally in XXXX was assigned to XXXX at XXXXXXXX XXXX XXXXXXXX, who called me weekly, or immediately returned my calls. XXXX told me that the best way to rectify the deficit in the interest rate was to issue new paperwork for us to sign and all the interest from renewal in XX/XX/XXXX at the agreed 4.59 % would be credited to the account. This process was taking longer than even he anticipated. In XXXX the phone calls from him have stopped and my numerous attempts to call his phone number just gives me a message that the person you wish to speak with is unavailable. 
I have left messages over the last XXXX weeks and no calls have been returned.
Product: Credit reporting

I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. Equifax sent me a letter XXXX 2017, stating, that I can not dispute this account anymore unless I provide documentation. How can a person provide documentation to an account that is not theirs. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureus, especially Equifax is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. And I do not appreciate Equifax sending me a letter stating, they will not verify again. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT
Product: Debt collection

Shellpoint Mortgage took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing  amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom Shellpoint would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that Shellpoint began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from Shellpoint representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet Shellpoint seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt.

I have attempted on countless occasions to resolve what is a payment processing problem by Shellpoint. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their
problem. This has never been achieved and every 3 months I begin receiving calls from Shellpoint representatives attempting to collect a debt. I am going to attach the escrow statement that I received from Shellpoint when they last denied my claim to have late fees removed.

During this time Shellpoint have sent people on at least 3 occasions  to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home.

I have tried my best to be reasonable with Shellpoint mortgage and after almost 3 years I have given up.

I have attached the escrow account provided to me by Shellpoint showing the numerous occasions where I had to request return of late fees.

I would like to report Shellpoint for harassing myself and my mother for almost 3 years.
Product: Mortgage

XXXX   XXXX  from  Wells Fargo g ive me instructions on how to proceed or how to ask for an extension so I do so just the way he told me the original Conversation we can have two weeks later call me back and is asking me for more documentation more information paperwork from the court etc. Why did you not tell me that from the first time.   We have been going through hoops bounds trying to satis fy Wells Fargo wh o seem to be harassing us keeping us from paying off the reverse mortgage forcing us to become legal representatives of the deceased. I do not appreciate  XXXX   XXXX  in accurate information he should be reprimanded or fire d. Wells Fargo  's company takes advantage and harasses elderly only to keep the property for themselves.      Wells Fargo ca n't seem to update any records anytime soon, I will never recommend or use Wells Fargo un til the day I die. Home owners insurance was purchased  three  months ago and it still has not been updated and yet they take out their own homeowners insurance on the property sending me a bill  XXXX  ...    Yes Wells Fargo   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the XXXX  and XXXX data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all credit bureaus and creditors in XXXX in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is 7 years old and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on XXXX  and nothing else.
Product: Credit card or prepaid card

Credit card, Capital One, hiked interest rates beyond my possibilities because I may have missed a payment ; same with XXXX credit card that finance my home air conditioner.gap insurance reneged payment and capital one is after me for payment.
Product: Debt collection

I was recently incarcerated for getting in a car accident and hurting someone else due to reckless driving. I recently was released from prison and am trying to get my life back on track and I did a credit check to see where I am at and to my dismay I see someone has opened multiple accounts in my name and I have like 40 hard inquires over the course of couple months. I noticed an account opened on XX/XX/XXXX with XXXX XXXX XXXX, On XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Midland Funding LLC XX/XX/XXXX I contacted all of the above and all of the response was that they were attempting collect a debt that is attached to my name and ssn. I am not aware of how any of these accounts were opened and my incarceration is clear public record. It was impossible for me to have opened these accounts at these times and all I am trying to do is get my life back in order and get my kids back with their mother full time after my life has been uprooted with the biggest mistake of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate.

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you.

My attachments are attached to this complaint.
Product: Credit card or prepaid card

I have received multiple offers ( via email and online via my Citi Account ) to take advantage of Citi 's Flexpay 0 % APR promotion with XXXX in the month of XXXX but am unable to do so. I have called multiple times and spoken with many customer service representatives to get this resolved to no avail. The timeline of my contact with Citi is as follows : - Called on XX/XX/XXXX ( first day of the promotion ) and spoke with several representatives who opened a ticket to escalate the issue. They said it will be resolved in no more than 5 business days, and they also filed a complaint and said someone would reach out to " make it right '' - Called on XX/XX/XXXX since the issue was still not fixed after the 5 day period. Was told they were still working on the issue and to wait another day or two. 

- Called on XX/XX/XXXX. Spoke with a XXXX Account representative who said there is also nothing he can do and that I needed to simply wait until the technical team got to the issue and looked into it. He said there was no way to further escalate this and they " might be backed up. '' At this point it seems very likely this will not be fixed in XXXX I will miss this entire promotional offer. My wife and I just moved and needed to buy a lot of things to get our new house ready so I was counting on using this offer, and now I can not. I am appalled by how slowly this is being fixed and am extremely upset that we planned some of our financial decisions around a promotion which was falsely advertised to me. Citi has done nothing to attempt to make this right and make up for a mistake that is clearly on their end, and I will be seriously reevaluating my financial relationship with this company going forward.