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

It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX  days have passed since I submitted my complaint.
Product: Checking or savings account

On XX/XX/year> I received a call from Wells Fargo asking me to bring documentations proving my identity. I received a XXXX notice through mail on XX/XX/year> and set up an appointment to see a banker on XX/XX/year>. The banker I spoke to, XXXX XXXX ( NMLS ID : XXXX ), assisted me that day and I handed her my Driver 's License and SSN card to make copies. She did not make copies for either of them, I even asked XXXX  if she needed to make copies and she said there was no need. After she was done, she said everything was done and that I was free to go. 

On XX/XX/year>, I realized I could not deposit checks to my account nor could I make payments through my checking account. And so, I booked an appointment to see a banker on XX/XX/year>. I was helped by XXXX XXXX, and he told me the previous banker did not submit any of my documentations to WF. So he did all the necessary procedures like scanning my ID cards and called the back office for me. They told him my account would be ready to do payments and deposit checks in the next XXXX hours. 

Today, I woke up this morning and found out that my accounts were all CLOSED. I called the number on the letter I got from WF and they claimed that they could not help me reopen my account and does not know if the documentations were being processed. NO ONE COULD HELP ME. Also, if the first banker, XXXX XXXX, did her job, I wouldn't have my account closed! 

This complaint letter is mostly for XXXX XXXX with her lack of ability to help resolve my issue which caused a domino effect in all my payments and other transactions affiliated with my bank account. 
Second, this complaint is for the customer service line of WF ( XXXX ) for their lack of knowledge and willingness to help me resolve this issue. No one could help me find out why my account was closed and if the process of verifying my ID was in process. 
My call to this number was on XX/XX/year> at XXXX. I spoke with a banker named XXXX and his upper management XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Debt collection

1st ever contact with them they sent letter saying I owed them money from a debt that was closed, wants me to pay almost double what the original credit amount was. an Amount that I had been Paying on for 6 years. it doesnt add up. letter dated by them XX/XX/XXXX this letter stated I had until XX/XX/XXXX to dispute 1st dispute sent by me XXXX  by registered mail. I sent A validation letter as the amount of the debt is not correct. They did not send what I asked for to prove debt, instead asked me to send them prof. Told them in that letter not to contact until I have confirmed proof, they sent a letter on XX/XX/XXXX XXXX stating that they had concluded that their info was correct. They started trying to contact me on XX/XX/XXXX by calling my business phone each timeXXXX, XXXX. They sent a notice of balance due letter on XX/XX/XXXX. I sent a 2nd letter asking for validation of debt, on XX/XX/XXXX. received another call to my business phone on XX/XX/XXXX. They did not respond to my second dispute letter. Did not hear from them again until they emailed me on XX/XX/XXXX. and have been calling my business phone every day since. This acct is still in dispute. and their claims have not been proven. 
As per fdcpa Section 1692e ( 8 ) they are in violation. 
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Product: Debt collection

My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. 
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. 
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. 
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.
Product: Money transfer, virtual currency, or money service

I found a women on XXXX  who claimed to have puppies. I paid a {$350.00} deposit on one in order to secure it on XX/XX/XXXX. On Monday XX/XX/XXXX, She reached out saying that her husbands father-in-law passed away and she would have to have the dog shipped to me. However, I needed to pay the remainder before she could ship. This is when I got red flags. I asked for the refund I was promised in conversation prior and never received a response. We reached out to Zelle and they asked us to report it, which I did, but we would have to contact the bank to dispute the charges. I then called XXXX XXXX and they said because Zelle is " same as cash '' if the transaction had processed then they wouldn't be able to refund me the money. We believe we know who the person is based on a basic email search and connected social media accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX  XXXX and there are some inquiries also that are not mine XXXX XXXX  XXXX, XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is impoperly reporting my credit wrong.Some of the old accounts should be deleted and its still on there after several years. 

XXXX is reporting my credit wrong.Once I paid some debt it should of went up.I think this is a sham. 
XXXX has my information wrong.Wrong person information.I believe someone stole my information.None of it is correct.
Product: Credit card or prepaid card

I had made several attempts over the past 5 years to get a lower monthly payment with Barclays. I went in to the hardship program twice. The initial time I only had to make payments of {$100.00} and the second time it went to {$150.00} which at the time I informed them I could not afford. Once the card went back to regular payment plans they request over {$400.00} a month in monthly payments just to maintain the balance. I do not truly owe the entire amount shown on the account as a majority of it lies in fees, penalties, and interest. They would only allow me to go in to hardship once I was behind on payments, which I was penalized for, and kept increasing the hardship payments. It was a battle and struggle to just maintain the debt on this account. I would like to reach a settlement with this company with reasonable monthly payments that I can afford. There is no way I can afford a {$400.00} a month card payment to keep the same balance while also paying a car payment and student loans and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

After enduring a lengthy and frustrating process, I demand that the Credit Reporting Agencies delete all fraudulent accounts and related information from my Credit File. It's astonishing how many times I have had to remind the Credit Bureaus that I was a victim of identity theft, and that the accounts in question are a direct result of that crime. I have repeatedly asked the Credit Bureaus to correct my Credit File by removing the disputed accounts, and have requested copies of proof of verification if they claim these accounts are mine. Despite my efforts, the Credit Bureaus have continuously failed to provide me with the documents I require. In addition to sending dispute letters and providing complete documents of proof of identity and Identity Theft Report from the FTC, I am submitting this CFPB Complaint to follow up on my previous complaint, and demand that the Credit Reporting Agencies take swift action and remove the disputed accounts from my Credit File before I am forced to take legal actions. Once again, I demand the following accounts be completely removed from my Credit 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  If the Credit Bureaus insist that the disputed accounts were verified, they must provide me with copies of the documents I have requested. I expect prompt and thorough action to be taken, as this has been an ongoing issue that has caused significant stress and inconvenience. I trust that the Credit Reporting Agencies will do what is necessary to correct my Credit File as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXXXXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX for home on XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with 2 mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company the seller name was XXXX XXXX XXXX and she sold us the house for XXXX but we signed a mortgage for XXXX with wellsfargo who put us in2 mortgage for this home the mortgage rates where terrible and we were manipulated and taken advantage of through this treble mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX XXXX, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX. Given that I am XXXX XXXX XXXX XXXX XXXX XXXX, and the social security administration estimates my lifespan at XXXX XXXX, this means I will need to pay for this service for an expected XXXX years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. 

Additionally, I already filed a complaint to this effect and was treated quite poorly by Equifax. I received a boilerplate response with no actual dealing with my problem. If this comment is not fixed to my satisfaction in this round, my next step will be to file a small claims suit against Equifax for the lifetime damages they have caused me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the bureaus did not investigate these accounts. Its reporting wrong information
Product: Debt collection

Hi Southwest Credit System ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

The company is Citibank. I inquired on XX/XX/XXXX about my new card being issued as my old card expired. I placed a call to have a new card issued in the event the replacement was lost in the mail. I spoke with XXXX, a supervisor at CitiBank. She informed me that a letter dated XX/XX/XXXX was sent to me as to the closure - a letter I never received. When asked as to why it was closed, she stated that she could not tell me the reason why. My account has been in good standing since I opened it and I have not defaulted on payments. Also, the bank kept asking me to verify my address in order for them to tell me which address they sent the letter to which seems suspicious to me.
Product: Vehicle loan or lease

Purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XX/XX/XXXX with my score was XXXX Flagship Credit Acceptance LLC got me paying {$570.00} WITH NO CHANCE OF REFINANCE or lowering my XXXXXXXX XXXX XXXX interest. After I had a XXXX XXXX XXXX from XXXX XXXX XXXX ( no money down ) for $ XXXX month that was never approved for XXXX  months because I'm XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to access my XXXX file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on XXXX XXXX end. I just want to be able to check my report like I do with the other services.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$180000.00} has been charged off and closed since XX/XX/2018, and there has not been any activity on this account since then. Please help to have this removed from my credit reports as it is stopping me from purchasing a home for my family. 

Cavalry Portfolio Services - {$8500.00} has also been charged off and close for close to 5 years now, and there has not been any activity on this account since then. Please help to have to removed from my credit reports as it is stopping from purchasing a home for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
( XXXX XX/XX/XXXX ) ( XXXX, XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than XXXX without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.
Product: Checking or savings account

CHASE BANK REFUSAL TO OPEN PERSONAL OR BUSINESS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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
Product: Debt collection

Hello, Ive been going through a rough time and got way behind on my credit cards and a company Rubin & Rothman , LLC XXXX XXXX  XXXX XXXX NY. XXXX is sending collection letters and garnishment letters to my employer. I understand if they send to my payroll dept, but they are sending certified letters from the Sheriffs dept, directly to my office so that my employees see it because it is not addressed to me. This is embarrassing and I dont believe it should be allowed.