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

Dear Experian, There are two phone numbers listed on my credit report that do not belong to me. Please remove the following phone numbers from my credit file : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA is in violation of multiple laws set forth by XXXX in regards to the following account XXXX XXXX. 15 U.S. Code 1681a ( XXXX ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( BANK OF AMERICA ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( XXXX ) ( A ) states that A person ( BANK OF AMERICA XXXX XXXX not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. BANK OF AMERICA can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from BANK OF AMERICA for XXXX cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my XXXX BANK OF AMERICA XXXX XXXX writing off debt with the IRS without XXXX out XXXX as required by the IRS for debts greater XXXX { { {$600.00} } }. This is unsatisfactory! BANK OF AMERICA has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In BANK OF AMERICA XXXX and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of BANK OF AMERICA nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX there was an unauthorized charge on my wells fargo credit card for {$77.00}. This was for a charge in XXXX XXXX. This card was in my home in XXXX Fl. I disputed the charge in early XXXX. They closed the dispute on XX/XX/XXXX without requesting any information or providing a reason. I called and submitted proof the charge was on another card. Again, no response. I called again and they said the screen shot of the charge was insufficient proof. They requested a copy of the statement with my name, address. I sent the statement copy. Again, no response from Wells Fargo.
Product: Mortgage

I have tried to work with this company Fay Servicing my account manager XXXX XXXX she is the worst.

I havent received the money back that I sent in to pay off my mortgage From my insurance check there was {$8000.00}. supposed to be returned to me. Ive been calling leaving messages also emails.I want proof that its paid off.

shes rude to me when I call, she cuts me off doesnt let me complete my Questions when I speak to her. The worst customer service. Ive complained about her it seems as they dont care they refuse to allow someone else to be my acct manager. no follow-up from supervisors they could care less how they treat their customers. I sent in my insurance check instead of fixing my house with funds from hurricane Harvey my house was totally submerged underwater and they just could care less. I paid it just so I wouldnt have to deal with them and I have no proof that its been paid off not even a letter confirming anything theres no number to call. Where I had to send my check and they refused to give me a number its been a couple of months now. I wish that someone would do something about that company all they want is your money. I need the money so that I can repair my home the weather is so cold and I have no walls yet nothing, no updates.

they harass you with letters my account was supposed to be in the modification process yet they reported me to the credit bureaus.

I had a loan modification just a couple of months ago to lower my mortgage because I was having a hard time paying it due to some personal problems, yet they have no empathy I cant get any itemized Receipt proving were my money has gone I believe they are a rip off.
Product: Credit reporting or other personal consumer reports

This is my XXXX complaint regarding the same exact issue, which the company does not ( or refuses to ) address. 

I was told by the Experian agent that there is another name associated with my social security number in THEIR system. And that this information doesn't and won't show on my actual credit report, but that it is in THEIR system. The agent said I would have to send a copy of my social security card and ID to them in order to correct this. Since I have no way of confirming this information is correct it seems highly unsafe to send copies of my documents to Experian to correct their mistakes. Experian has had their own data breach -- why would I help them possibly create another? Since it is in THEIR system only, it is THEIR responsibility to correct this. 

I am requesting confirmation IN WRITING that the information as stated to me by Experian 's agent is correct or not. If correct, I am asking for confirmation IN WRITING that the incorrect name on my account has been removed from THEIR system. Since I have no control over the mistakes Experian creates in THEIR system, this is the only solution. 

In addition, had I not called Experian to create a freeze on my account, I would not even know about this. Doesn't Experian have any guardrails in place to prevent this? Don't they think it necessary to be proactive and contact a consumer when ( or if ) this happens? 

Experian is refusing to acknowledge IN WRITING whether or not what I was told by their agent is true. Experian is refusing to confirm IN WRITING that any incorrect names associated with my account have been removed. They continue to send me a copy of my credit report instead of responding to the issue. Since their agent stated the " mystery '' name does not appear on my report and only in THEIR system, they are not addressing the issue. They are refusing to acknowledge their mistake. They are refusing to acknowledge they have corrected the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account-NOT MINE XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXXL XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX XXXX  XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX : I am writing to dispute several unauthorized inquiries that appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 
The following inquiries were made without my knowledge or consent : XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX I did not authorize these companies to access my credit report, nor did I initiate any transactions that would warrant a credit inquiry from them. These unauthorized inquiries could negatively impact my credit score and must be removed immediately.

According to the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed items within 30 days of receiving this letter. If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete or modify the item ( s ) as appropriate.

Please provide me with the results of your investigation and a copy of the updated credit report within the 30-day timeframe mandated by the FCRA. If you fail to comply with the FCRA 's requirements, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have purchased XXXX XXXX, garage floor coating thru Wells Fargo Bank. There is a warning inside box instructing not to use where direct sunlight will be an exposure. I am unable to give a date guaranteed to beXX/XX/XXXX of this year nor guaranteed to be a certain amount. There are about 20 purchases since XX/XX/XXXX 2016 by visa. The shelf price indicated XXXX dollars, was misled by it and purchased not knowing it. The sunlight is in the closed garage when the door is open. Now when reading instructions, I do not want to use the coating ... I called first the ftc hot line for cfpb reference. Can you help my credit dispute. Will someone show XXXX XXXX is to be removed from public access, or show why it is actually a safe product. It is at my house in the original box. Recycle trash says no hazardous materials.
Product: Credit reporting or other personal consumer reports

Hello, I looked at my report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Here follows the account that is inaccurate : XXXX. ) XXXX XXXX - Account Number : XXXX. 
This account are not complete and are inaccurate.

Also, according to 15 USC 1681s-2 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.

If you check my attachments everything is not complete and accurate.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results 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. 


Also, according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Unfortunately they did not do that and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax starting in XXXX, a XXXX XXXX, and the dark web, etc therefore, I will need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days. These data breaches has been coming from left to right affecting my credit tremendously. I already tried to reach out to Equifax and XXXX myself and they have not done anything to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with Experian and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.
Product: Debt collection

Still reporting a debt after the time frame allowed by the fair credit act will not remove account affecting my credit
Product: Mortgage

I am writing this letter to file a complaint with being forced to refinance my VA loan through you due to an IRRL Seasoning Violation by Caliber Home Loans. I was contacted by the following individual today XX/XX/20 via phone. Please keep in mind, I had not received anything in writing prior to this call that spelled out the issue and he did not seem overjoyed to have to explain Caliber Home Loans XXXX up, and when I asked for this to be sent to me in writing. 

XXXX XXXX XXXX XXXX XXXX ) Loan Consultant Caliber Home Loans, Inc. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX As I questioned him on the call about this, you could tell by his tone he thought I should be happy with this and did not like the questioning. However, I was not pleased with this at all. Not only did he tell me I would have to have a hard hit put on my credit report ( The loan before for the IRRL did not require this ), that I would also have to extend my loan back to 15 years again ( adding 8 months back to my loan ). And above this, I will need to send in all the documentation and paperwork for taking out a new loan all over again, along with having to meet with someone to sign everything in 45-60 days ( who wants to do this with the Coronavirus ). So, you can see my frustration. He made me feel like I was being taken today for someone to get a commission of a new loan. I really hope this is not been the case. 

Needless to say, this has left a bad test in my mouth for Caliber Home Loans. After the call, I got out online and read about this topic, so I could be well versed on. I know that all fees for this are to be absorbed by the lender and a cure at no cost to the borrower ( he told me on the call today he would have to check with management to see if Caliber was willing to absorb the cost ). I also have not found anywhere that states a hard inquire has to be done at the borrowers expense and this should be removed from my credit reporting. 

For the life of me, I do not know how I was able to refinance the IRRL loan with as many hands in the pot and no one catching this. Especially with the requirements for the seasoning period of either 210 days from the date of the first payment or after the sixth monthly payment ( whichevers longer ).
Product: Vehicle loan or lease

there is a high balance showing inaccurate on my credit report for a loan with SANTANDER CONSUMER USA. this company never validated that i have a loan. this account is fraudulent and they never sent me a contract with my signature attached to the the loan they say i have with them. this is messing up my credit and i need to have this removed from all 3 credit reports. its also showing inaccurate / different balances on my credit report. i have called several times to have this corrected and no action has been applied. 

see attachment below date : XXXX last 4 of my ssn : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I cancelled my account with XXXX in XXXX or XXXX of XXXX. They sent me a final bill of {$100.00} and I paid that final bill. They randomly added a {$30.00} charge to my account on XX/XX/XXXX and did not notify me that I had this charge on my account. I was no longer checking the account as I paid the final bill and expected no further charges. On XX/XX/XXXX I received a credit reporting alert that a collections account had been put on my credit report. I contacted the collections agency and they advised that it was a charge with XXXX XXXX. I logged into my account with XXXX and that is when I say that I had a {$30.00} charge on my account. I went ahead and paid the balance to resolve the issue and contacted XXXX via chat and was advised since I paid the balance that they would remove the reporting on my credit report and to just contact the collections agency to let them know so that they can start the process. I contacted TransWorld System Inc who was handling the collection account and let them know everything that XXXX had told me. They advised that I needed to wait for everything to clear and they also started an investigation because I was not sent a letter from TransWorld System Inc about the collections attempt. I called TransWorld on XX/XX/XXXX and they refused to speak with me because they said XXXX had pulled the account back and that I was no longer in collections with them. They said that I had to contact XXXX to resolve the matter. I called XXXX and they sent me to the collections department, who said that I needed to call the collections agency. I advised that they would no longer speak with me and that they said I had to resolve the error with XXXX. We went back and forth and I finally requested to speak with a supervisor. The supervisor told me the same thing that the collections agency had to fix the reporting. I again told her that they will no longer speak with me and then she said, Oh the billing department is who needs to resolve this error. She gets me to the billing department who says I need to speak to the collections department. The collections department says I need to speak to to the billing department. I get transfer like five or six time and finally get someone in the collections department to give me so information. He agrees that the charge was added on XX/XX/XXXX and that I have 90 days to pay it before getting sent to collections. My account was transferred to TransWorld on XX/XX/XXXX. XXXX didnt notify me of the bill and ONLY GAVE ME TWO DAYS to pay it. I have placed numerous calls with XXXX and numerous agents have admitted it is an error BUT NO ONE IS FIXING IT! I need the credit reporting deleted as this is unethical billing practices and is hurting me the consumer.
Product: Debt collection

XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and XXXX, Experian and XXXX and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed immediately!
Product: Mortgage

My mortgage loan servicing company has placed an escrow on my account for XXXX XXXX insurance. They have been supplied the XXXX XXXX certificate multiple times. They did not receive it ; They were sent via email as well, they didn't acknowledge. The property is fully insured. This appears to be a fraud to extort from me as I am fast approaching paying off the property. The Mortgage loan servicing company is not even responding to emails. Here is the time line Mortgage Loan Company name - Shellpoint Mortgage Servicing Account/Loan # XXXX - Shell point Mortgage sends a letter asking for Proof of insurance around XX/XX/2023 ; A letter was sent to them with the certificate of insurance in a week, - Shell Point Mortgage Send a second letter asking the same in early XX/XX/2023 ; This was responded to as well with the certificate of insurance within a week ; - Additional emails sent with the proof. 


Instead of acknowledging the receipt, Shell Point Mortgage placed an escrow.