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

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXXXXXX XXXX Late Payment Account XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



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

I have been fighting with all three credit bureau for two years now. i have been sending letters by certified mail to dispute things on my credit report .they have not taken the time to fully investigate anything. for example if i dispute four things with XXXX they will dispute one item then remove it from my credit report then two weeks later the same information pop up but under a different debt collector name. 

XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three continue to disregard any request to fully investigate. Every letter that was sent have been notarized.Within a week these credit bureaus will come back and say they have fully verified all the information on my credit report I thought it normally take 30 days to investigate. They allow any company out there to report false information on your credit .This has caused alot of stress in my life, the fact that they allow this thing to happen as if they just get paid just to report and dont care on the lives they ruin in the process. This needs to stop.
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101  . WAKEFIELD & ASSOCIATES does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. WAKEFIELD & ASSOCIATES is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Payday loan, title loan, personal loan, or advance loan

I got a personal loan over a year ago with Wells Fargo. I no longer have the loan documents. I went to the bank to request them. They would not give me a copy. I then called Customer Service 4 times. They have not sent me the loan documents.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 12 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
I noticed these inquiries dont have permissible purpose and according to FCRA it must have permissible purpose and according 15 USC 1681 B I have also attached evidence. 

XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX - XXXX  XXXX  Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

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

bankruptcy showing on the report from 9 years ago should be off report but still is being shown
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

First Fed Credit & Col {$75.00} : XXXX  was paid thru the insurance and contacted the hopsital who billed the insurance. 

XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute regarding fraudulent XXXX/XXXX inquiry on application ( NOT ACCOUNT/ACCOUNT DID NOT EXIST ) dispute was considered complete in my favor. However inquiry still remains on report. Called to correct the information spent in total an hour on the phone where I was told an amalgamation of information from they couldnt verify my account with the information I gave them ( even though I was verified with that exact information from the previous representative ) to the inquiry is going to stay on my account for 2 years to I need to submit a police report and additional documents via mail or fax only. I have called XXXX/XXXX and confirmed that. My credit score has suffered for approx 3 months now due to this and the inquiry is still affecting my Equifax score to this date ( XX/XX/2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Mortgage

wachovia/ wells fargo bank [ mortgages ] on XX/XX/XXXX stole my home with XXXX % equity in by fraudulent forclosure, fraud and perjury comitted, ceo XXXX XXXX in cahoots with crooked ticketing judge XXXX, XXXX florida usa fraudulent final judgemant all paymants paid acount in credit, bank sent checks from my escrow acount to home owners insurance that was already paid infull they emptied acount then put me in forclosure, with over over {$6000.00} incredit all my paymant were tracable and cashed by wells fargo bank all international wires you can not bounce a international wire it is cleared funds, then the bank recieved the insurance checks when they came back in to a holding acount? the acount also had a c/o signed insurance check that i had done the work for {$2500.00}. i have just looked on XXXX county court records site XXXX florida XXXX XXXX XXXX XXXX case no XXXX XX/XX/XXXX the facts are all there crooked judge XXXX XXXX deliberatly refused to look at proof of paymant of all international wire transactions the escrow acount statemants are all there with the acount in credit also excessive Fees and monies not applied to acount clearly in the bank statemants this is fraud and perjury committed by XXXX XXXX who was told by the govermant what to do this is predatory lending on a organised crime bassis The Fradulent Forclosure Act is more important than false acounts You are making adecoy for what is about to unearth in your corrupt court system wachovia / wells fargo bank the mortgage title was in the name of XXXX and crossed out by pen this can not be a official documant and the crooked judge accepted it as proof of title i will question this CFPB you have done nothing about the fradulent forclosure theft XXXX casses
Product: Debt collection

Dear XXXX. Relations Mgr., I ask that you provide validation for account history information COAST TO COAST FINANCIAL transmitted to any consumer reporting agencies for me, XXXX XXXX XXXX for the so-called account number # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from COAST TO COAST FINANCIAL to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. I appreciate any assistance you will provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/ 2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have my motgage company FREEDOM MORTGAGE. I have behind XXXX payments. On XX/XX/XXXX I received a letter from MAKING HOME AFFORDABLE wiht Pre- aproved number and I contacted them.XXXX  XXXX they started a process with me with all my information about my MORTGAGE. Now my contact person is named XXXX XXXX from the XXXX XXXX XXXX phone XXXX XXXX XXXX and they sent to me a packgage with a plan of payments starting on XX/XX/XXXX and two more payments on XX/XX/XXXX and XX/XX/XXXX for XXXX {$1.00} each by e Checks or Money Orders Payable to : Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Ive continued to request for a manger to contact me but they seem to never be on duty. I never get calls from them. Ive asked to be able to pay online and gave my balances available with a valid due date but no one will provide me with this information. Today I told them that Id pay off my account if they credited back my late fee, as Ive been told that I have different due dates by two different representatives. Instead of taking my payment, the representative hung up on me. These people are not interested in getting this paid. They misrepresented the due date and now they wont help me pay off this account. I have no online access so Im in the dark on how much I owe and when.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX I had reported to EXPERIAN that I was unable to acquire free credit reports or able to Dispute errors on my credit report. I had to eventually had to sign up for the {$29.00} premium service and I was still unablle to pull my credit reports, the reports are stuck back on DATES of XX/XX/XXXX. 

I have recently checked my credit report on XXXX the same problem is a happening. 
I am unable to acquire free credit reports or dispute on-line ' and paid service. 

Please remove these hard inquiries, they do not have my permission or authorization, nor have any permissable purpose. 

XXXX XXXX XX/XX/XXXX Delete this inquiry. 
Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Delete inquiry Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 

XXXXXXXX XXXX XXXX XX/XX/XXXX Delete Inquiry Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 


I have attache the credit reports to show proof of the credit reports not up to date nor have accurate information on my report.
Product: Checking or savings account

Wells Fargo continues to take FRAUDULENT charges from my account. They claim I overdraft for multiple transactions and charge multiple overdraft fees for an overdraft that is only XXXX transaction. For example I will overdraft for XXXX small transaction and then Wells Fargo complies a list of XXXX transactions that it claims causes the overdraft and then charges a {$35.00} fee for each transaction when in reality it is XXXX transaction that caused the overdraft. They are constantly taking money from my account. When I called to complain and ask for help the woman told me to make more money. I informed them that they are stealing from their poorest customers. The fact that they are able to get away with this is criminal. The woman I spoke to said I had a record of overstating somewhere around XXXX something times. I want that money returned to me. Wells Fargo steals from its customers everyday and someone needs to hold them accountable.
Product: Mortgage

On XXXX I submitted an application for a refinance loan to XXXX, Mortgage Loan Officer, XXXX, at Bank of America at XXXX , XXXX , GA XXXX. I submitted all requested income verification and 2 years of IRS submissions. On XX/XX/XXXX XXXX requested a check for {$500.00} to cover the cost of an appraisal. I assumed that the loan approval was in process and the appraisal was the last step. At no point in our several conversations and face to face meetings did XXXX ever say the loan approval was in jeopardy. The appraisal was scheduled for XX/XX/XXXX and on XX/XX/XXXX my loan was declined. While I was surprised that I was not approved, I accepted the declination and simply asked XXXX for the return of my {$500.00}. She never explained to me why she had me pay for the appraisal on a loan she knew I did not qualify for. She said it was not bank policy to refund the appraisal fee even when the loan was denied. 

After several months of speaking with other seniors like myself about these questionable practices, I once again contacted XXXX on XX/XX/XXXX and asked her to send me a copy of the document I signed which stated that I waived my right to have the appraisal fee returned if the loan was denied. She responded that the appraisals are nonrefundable as they are done by a third party and paid for when the service is completed. Her response ignored my request for a copy of the document I requested and simply stated that a third party was involved, a detail that was never told to me. I repeated my request and this time asked for the document I signed that stated I was aware that the appraisal would be performed by a third party and I would not get a refund if the loan was not approved. I told her that I believed if she could not produce such document then I could assume there was collusion between her and the third party which would be illegal. She has never acknowledged my request for the documentation. Instead she listed a timeline of the process which did not include the date she pre-qualified me for the loan before asking for the appraisal fee. I stated that I was simply asking for the return of the {$500.00} appraisal fee and that it was my desire to handle the matter at the bank level before getting government protection assistance for seniors involved. 

XXXX forwarded my request to XXXX, Vice President, XXXX Sales Manager, Bank of America Home Loans. XXXX did call my home on two occasions and left a message for me to return his call. He also emailed me his phone number. I left a message for him to reach me on my cell phone number. I called him at his office a second time and to date have not heard back from him. 
These loan practices unfairly target senior citizens and the uninitiated who rely on the honesty and integrity of the loan officers they are working with especially if it is with one of the largest banking institutions in the country. Had I been informed at any point in the loan process that the {$500.00} appraisal fee was not relevant to my loan approval, I would never have paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern regarding the accuracy and integrity of your company 's data. As per the FCRA section 611, it is crucial to maintain accurate records that can be relied upon by not just customers but also potential lenders and employers. I have done some research on Metro 2 compliance standards, and I believe there may be some inaccuracies in reporting going forward if these issues are not promptly addressed. Before taking any further action, I would appreciate any feedback you can provide to resolve these issues amicably. The following items are listed in the attach to the letter.
Product: Mortgage

My mortgage is interest only mortgage, my interest rate and payment is adjusting to and higher rate. I've requested a mortgage modification with my previous servicer who was XXXX XXXX XXXX. During the processing of my modification request my servicer changed to ShellPoint mortgage. I requested a mortgage modification and submitted financial several times. I feel ShellPoint mortgage isn't processing my documents and updating my file with the requested modification documents I've provided. I would like for ShellPoint to finalize my modification request.