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

THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I am not sure whats happening at the thre major credit buroues. There are still inaccaurete information o my credit report! I have asked XXXX, XXXX, and Transunion to investigate and remove the inaccaurete information! This is fraud and defamation!!! They arnt investigating. They have removed a few things but they havent fully investigated! I am demanding these inaccaurte information be removed! Federal law requires XXXX, transunion, and XXXX thirty ( 30 ) days to investigate ALL or remove ALL inaccurate information! Yet they have failed to. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have records of past correspondence I have maintained a careful record of my communications, please see certified mail receipts and letters mailed to XXXX, XXXX, and Transunion starting XX/XX/XXXX! I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), they may be liable for willful non-compliance.
Product: Checking or savings account

Company froze over {$5800.00} in my account based on a {$43.00} chargeback, paid to me for a digitally downloaded product. 60 days later, without explanation or any evidence, they unfroze the account, with a NEW balance of {$1300.00}. After DAILY messages with both the institution and the contact I was given, I have STILL not received an explanation or any paperwork, or any other service. Additionally, as a result of the 60 day unexplained freeze, I was unable to pay rent, credit card bills, utilities, and other essential payments needed to maintain my survival. As a consequence, my credit score went from 700+ to XXXX ( checked YESTERDAY @ XXXX ). Bank of America destroyed my credit, prevented me from paying bills, and nearly got me evicted and sued by my Condo Association. Then, refused to explain WHY they froze my account, then robbed me of XXXXUSD - WITHOUT EXPLANATION. 

I have preserved the account in state as evidence, and haven't accessed it since the event.
Product: Mortgage

Wells Fargo refused to modify our mortgage loan for us. This forced us into default and loosing our home. We had a law firm that was helping us to try and modify our mortgage. The response from the law firm was that Wells Fargo had a pre-qualifying unit in place that we had to go through to even get to the loan modification department of Wells Fargo. Many requests were submitted by the law firm for a loan modification, and they were all denied. We we were victims of what occurred with many other home owners between the years of XXXX. In Hernandez v Wells Fargo Bank NA Home Loan Modification Settlement Case No. XXXX. Wells Fargo paid on a settlement for refusing homeowners loan modification which cause default and many to lose their homes. This was the case with us yet somehow we were not notified of this case and did not learn about it until after it was closed. Wells Fargo sold our home. This cause severe emotional distress to me and my family as we lost our home of almost 20 years when we were evicted from our home. We have been renting a house since XX/XX/2022. We hope to receive help in this matter and restore what we have lost.
Product: Vehicle loan or lease

Purchased XXXX of XXXX. Paid through XX/XX/XXXX. The loan matured and the only option given was to pay all or surrender. I voluntarily Surrendered the vehicle.It is now showing on me and my wife 's credit report as a charge off with a balance of {$10000.00} when the original loan amount was {$16000.00} after paying on this vehicle for 7 years. The company is Exeter Finance.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  Account Number : XXXX Date of Late Payment : XXXX XXXX, XXXX  Nature of Complaint : On XX/XX/year>, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : XXXX. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late. 
XXXX. This account is so far up to date in payment, the entire debt was paid. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently tried to refinance our home through XXXX XXXX XXXX. Our loan agent pulled a credit report through XXXX XXXX XXXX and the numbers on the report had to be wrong. The report showed a credit score for XXXX for my husband which could not be accurate since XXXX currently shows all XXXX and no reporting history for my husband. A complaint was filed with the CFPB under XXXX. When my credit report was pulled the report also showed numbers from all three agencies even though my XXXX   credit report currently shows all XXXX  for me and no reporting history. A complaint was filed with the CFPB under XXXX. Obviously, there are issues that need to be addressed.
Product: Vehicle loan or lease

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact XXXX, XXXX & TRANSUNION do not have my written permission to report these accounts on my consumer reports.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subject to subsection XXXX XXXX XXXX  and except as provided in subsection XXXX XXXX XXXX  If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding TransUnion 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from TransUnion for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per Transunion File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and Transunion was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am disputing this debt because I do not owe it. The creditor XXXX has apparently sold a debt that does not belong to me to a company, known as, " Credence Resource Management '' in the amount of {$330.00}. This company has not contacted me or was able to verify this debt belongs to me. I was notified of a collection on my XXXX report and disputed the amount immediately upon notification on XX/XX/2022. XXXX was able to verify that the debt does not belong to me and Credence Resource Management has the wrong SSN. XXXX confirmed the dispute and removal however, Credence Resource Management has once again reported a collection on my account as of XX/XX/2022. I called XXXX and made them aware who suggested to file a complaint in order to proceed as this collection is greatly affecting my credit history and credit score. I have had no issues with any credit in the past and have always been diligent on my payments. This debt is invalid, does not belong to me and is considered fraud on Credence Resource Management for trying to collect a debt belonging to the wrong person. This is an issue of identify theft.
Product: Credit reporting or other personal consumer reports

SYNCB/Care Credit is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...
Product: Debt collection

Never heard of this debt collector. Never was aware there was a debt in my name out for collections. No voicemail or phone call from a legitimate phone number. Someone called a couple of months ago but it sounded like a scam call. Requested written bill with a breakdown of charges owed. Never seen anything in the mail and no follow up call from a local number. NOT AWARE UNTIL I CHECKED MY CREDIT REPORT! PLEASE HELP STOP THIS FROM HAPPENING TO OTHER PEOPLE. Thank you for any help.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Checking or savings account

XXXX of my sub-contractors, trying to cash his check in the bank and the bank refused to cash the check unless he opens an account, he can't open an account with the bank. my sub called me, and I went to meet him the bank and the teller was already upset with him. because he did not want to open an account because he CAN'T, I asked for cash for the check, however the banker was behind us, and I felt like a target I asked him why and reply to aggressively " because I can '' I told him that that was XXXX  and That I don't want to get XXXX by no paying, and I asked him do you want to get XXXX? I don't? I spoke. I asked him to show me the policy when it says no check will be cash unless they had an account he was aggressive. at the end we had a dissent conversation, so I left, however. XXXX weeks later after making a XXXX deposit I was informed that my account was close without any farther information. I asked for my funds they said I could get them out next day. 
made some payment and the account was active however it close. I stopped by my local bank and the banker showed me his screen saying that I was red flagged and NO business with me were allowed because I said something unapproved, no farther communication after that. I manage to get cashers check and left some funds to cover check I had out but this is affecting my business and my credit in a big magnitude
Product: Debt collection

This is my rebuttal on the response sent by Credit Collection Services on XX/XX/2021 for Report # XXXX. I was amicable in the first complaint, now I am going to be extremely blunt as it is clear that you either did not take the time to read any of the letters I mailed to you previously, or you don't have comprehension skills.

Let me be very clear so that I will repeat in clear terms what I said in my last complaint.

1. I told you that I am not negotiating with you as I tried this with you just to end this headache with you illegally reporting a debt I do not owe you on my credit reports. Not only did you not reply to my offer, but you sent me a bill acting as if I owe you anything.

2. You never sent me proof that I owe you anything. A bill from XXXX is not evidence that I owe you anything. I requested several times that you provide a written and signed contract showing that I agreed to pay you, Credit Collection Services on any debt. 3. I requested your license showing that you have a right to collect in my state.
4. Lastly, you never wrote me letting me know that you were reporting this debt ( which I do not owe YOU ) on my credit reports.

5. I do not recall signing a contract with any company authorizing them to sell any of my personal information to a third party. Where is that signed consent?

So in a nutshell, hopefully you or someone is actually reading this, as well as the attachments I included and doing the right thing by deleting this reporting from my credit reports. In addition, according to FDCPA and FCRA, by law, you are mandated to DELETE a debt that is being disputed until you can provide evidence that a person owes the debt that is being reported to destroy a person 's credit worthiness. If you do not delete this account within the next 30 days, the next person you will be communicating with is my lawyer. You will have to present yourself in court in my state, providing the information I requested from you several times, which you have not submitted after all of my disputes. Know that I will pursue you for {$1000.00} per violation, including the distress you are causing me with this matter and tainting my credit reports. This will be my final attempt to resolve this with you through the CFPB before I escalate this matter.
Product: Checking or savings account

Dear Chase Bank, To whom it may concern, Fax XXXX XXXXXXXX Referance XXXX XXXXXXXX On XX/XX/22 someone made a purchase from XXXX for a coffee maker in the amount of {$130.00}. On My account, my name is XXXX XXXX. We called the bank to verify that this was fraud. We called XXXX and XXXX told us : XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX made this purchase. My wife never made this purchase at XXXX. We Live in XXXX Ny. 
We have filed a Police report with our Local Police Dept. 
We would like our Money of {$130.00} back in our account. This was fraud. Someone is not telling the truth in this matter so we will just go away. This is our hard earned money and we did not spend it. You Chase are our bank are supposed to help us in these matters. Please do a better investigation on this XXXX XXXX, so we can get our money back. Please get us proof that the product was delivered to our home in XXXX. From XXXX XXXXXXXX, XXXX, XXXX, etc, please get this information solid proof from XXXX. Someone has this shipping paperwork. Chase has not given us proof. 

Thank You, Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX
Product: Mortgage

Received phone call from someone claiming to have received my information from the XXXX XXXX XXXX and wanted to offer me a better loan rate. I didnt play into that but how did he get all my info. Phone number was XXXX
Product: Mortgage

At the beginning of the year our loan with Wells Fargo Mortgage was sold to XXXX XXXX XXXX XXXXXXXX We purchased the home in XXXX, for XXXX. We became unemployed in XXXX of XXXX an fell behind on our mortgage. We got help from SC Help and brought everything current. When we were informed the mortgage had been sold and we received the information from the new servicer, we noticed a balance of XXXX. We inquired as why we had XXXX addition and were told that there was a deferred principal amount when the loan was purchased. We argued with Wells, in the past, about a mysterious interest amount we were seeing on our statements. We've been paying for 12 years and we owe more than when we started. Anything that was outstanding during the time of our need, SC Help brought into current status. Our balance should be aroundXXXX. 
Sincerely, Mr. XXXX P/s I tried to locate SC Help but was not able to contact them since they are no longer operating.
Product: Mortgage

I called and asked if I could a deferred payment due to a medical procedure I had that kept me out of work for over a month. The associate gave me the wrong information telling me about a in-house program the company offered where it's not a deferred payment but the payment is spread over a XXXX  month period and is not considered late nor will it be reported late on my credit report or effect my credit in any way. I had specifically told her this can not go on my credit report or I will not go through with the program and I would just have to get the money another way. She again told me that it was an in-house program and it stays in-house. They have agreed over the phone that they gave the wrong information but are refusing to remove the XXXX lates payments. The late payments are XX/XX/2022, XX/XX/2022 and XX/XX/2022. This account should not be reporting any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.