23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We make twice a bi-weekly payment on our Wells Fargo ( WF ) mortgage, a {$1900.00} payment on each payday, so that two payments equals our monthly payment for principal, interest and escrow of {$3900.00}. We " skip '' a payment in three payday months ( typically around XXXX and XXXX as these are near XXXX and XXXX and give us extra spending money ). This has not impacted our meeting our total monthly payment and we have done this since the origination of our mortgage in XX/XX/XXXX. 
Per WF on XX/XX/XXXX, they misapplied one of our XX/XX/XXXX payments, putting it towards principal only and recording in their computer system that we were short a payment since then. Oddly, this did not raise any flags until XX/XX/XXXX, when we began being bombarded with phone calls from XXXX. I XXXX this number, found it showed up on many sites reporting scam robot callers, and did not answer. I did listen to one of the messages, claiming to be from WF about our mortgage, and then went to our online account, saw our payment was showing as past due, and called the WF number from our statement. 
After lengthy discussions with XXXX ( who told us there was nothing WF could do and we would need to make an extra payment to correct WF 's computer error ), I was transferred to the next tier. XXXX ( XXXX ) said WF would need XXXX as the mortgage investor to agree to WF correcting their mistake, and that XXXX may not agree that and my family and I may just be out of luck and forced to make an additional mortgage. That is completely unacceptable. We are now filing a complaint. 
For the period of XX/XX/XXXX - XX/XX/XXXX we have had two payments a month deducted from our credit union account ( per the attached statements ). XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have paid our mortgage. WF 's computer/clerical problem is WF 's problem. We request : Our payments be updated properly to reflect we are current and have been current on our mortgage. 
The late fee applied to our account on XX/XX/XXXX be removed. 
All harassing phone calls stop immediately. 
Confirmation from WF in writing that there no negative reports have been made to any credit repository.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which has resulted in harm to my credit report, financial status, etc. Pursuant to 15 U.S.C. 1681o of the Fair Credit Reporting Act, these organization may be held civilly liable for damages caused by negligent noncompliance with the Acts provisions.

Specifically, the following information is inaccurate : WAKEFIELD & ASSOCIATES is falsely reporting a 607 debt amount on my credit report. XXXX XXXX XXXX XXXX is still reporting a negative balance on my report. This report was paid but is still showing negative on my report. 
Account number for XXXX XXXX XXXX : XXXX Account number for XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Details for XXXX XXXX XXXX  XXXX : Incorrect balance of XXXX, status was updated XX/XX/XXXX and paid in full. 
Inaccurate Details for XXXX XXXX XXXX  : Incorrect balance of XXXX, status states the Collection account. {$600.00} past due as of XX/XX/XXXX. Date opened XX/XX/XXXX. This amount was inaccurate. 
I request that you conduct a reasonable investigation into this matter and correct or remove the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was showing XXXX account was cancelled. I did not cancel this account. When they close it, it will stay on my credit report for 10 years. I dont want it canceled!!!!!!!! Trying to clean up credit. I DONT WANT THIS ON MY CREDIT
Product: Credit card

In XXXX I had gone into the branch asked a few questions and had a dispute with a teller. A few weeks later all my accounts were closed, I felt this was an act of discrimination as i was XXXX and owning a small business. When i got the notice i went into another branch to inquire but was not able to get any additional information and was told to redeem my points and start the process of moving my money. After that meeting my credit card was immediately closed and the points that i saved over the years was taken away from me but XXXX points Wells Fargo left for me to redeem
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Still Impacting Credit Score The account is marked as " Closed at credit grantors request, " despite never having any late payments. This could mislead lenders and impact my creditworthiness unfairly, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

1. 3. 


Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Inconsistent and Inaccurate Reporting by XXXX XXXXXXXX and XXXX Complaint Details : I am submitting this complaint regarding the inconsistent and inaccurate reporting of my debt by XXXX  XXXX ( Account Number : # XXXX ) and XXXX XXXX I demand a ESCALATION ON THIS INVESTIGATION because Despite providing proof of the discrepancies, XXXX continues to validate the debt as accurate. 

Inconsistencies : Last activity date : - XXXX : XX/XX/XXXX - Equifax : XX/XX/XXXX - XXXX  : XX/XX/XXXX Late payments : - XXXX : XXXX XX/XX/XXXX day late payments- Equifax and XXXX : XXXX 30-day late payment Payment history : - XXXX : 100 % payment history - Equifax : 98 % payment history - XXXX  : 93 % payment history Harm caused : Inaccurate reporting has negatively affected my credit score and ability to obtain credit. 
I have experienced emotional distress and frustration due to the lack of resolution despite providing proof of the discrepancies. 
I demand immediate escalation of this investigation and removal of the inaccurate information from my credit report. 

Request : Investigate XXXX XXXX and XXXX for inaccurate and inconsistent reporting. 
Require XXXX XXXX to provide proof of any late payments. 
Remove the inaccurate information from my credit report. 
Take appropriate actions to ensure the accuracy and consistency of credit reporting. 

I also demand proof of last payment or activity & written documents of each step took in this investigation. 

I will also like an explanation for the inconsistent reporting, including : Reason for different last activity dates across credit bureaus. 

" I am disputing the information reported by XXXX  XXXX on my credit report due to significant inconsistencies and inaccuracies. Specifically, the last activity date and late payment information are contradictory across credit bureaus, violating FCRA sections 605 ( a ) and 605 ( b ). Despite my previous disputes, XXXX  XXXX has failed to correct this information ( FCRA 623 ( a ) ( 1 ) ) and conduct a reasonable reinvestigation ( FCRA 623 ( a ) ( 2 ) ). I demand immediate correction and removal of the inaccurate information to rectify this situation and ensure my credit report accurately reflects my financial history.
Product: Credit reporting 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 XXXXXXXX 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. 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 knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated [ INSERT THE DATE OF DISPUTES ], XXXX, Equifax, and XXXX have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening. According to 15 U.S. Code 1681i, it is clearly stated that XXXX, XXXX, and Equifax are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report. 
I've also included the dispute letters that I sent for your reference. I'd like to point out the urgency of the situation and demand that the inaccurate information on my credit report be removed. This demand is based on the violation of both 15 U.S.C. 1681e ( b ) and 15 U.S. Code 1681i. I am disappointed that the credit rating agencies in question have not reacted quickly to my complaints. It is worrying and aggravating the situation in question that such a lack of urgency has not been addressed. In addition, the information they have provided is not merely incorrect but also misleading. This error of reporting is a significant and material mistake on the part of them.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my LEASE have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/year> XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK IN PARTNERSHIP WITH VICTORIA SECRET HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

In XXXX of 2016, santader auto called my mother-in-law and my brother about the alleged debt. They told them they were looking for me for this alleged debt and told them I would be arrested if I did not pay. They have also called me hundreds of times and this is a violation of my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account ( s ) # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Contacted multiple times about website/account accessibility which resulted in late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian disputing several accounts on my credit report asking them to verify the accounts. Experian sent me the results dated XX/XX/XXXX stating that all the accounts were verified. On XX/XX/XXXX I sent a second letter asking them how they verified these accounts and to provide me with the original documentation of these accounts that they verified. I received a response from Experian stating that they have previously processed the dispute, the grantor verified it's accuracy and they will not reinvestigate. I then sent out a third letter to Experian on XX/XX/XXXX informing them that the unverified accounts remained on my credit report and under the FCRA are required to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. I asked them who verified these accounts and they have not provided me any original documentation with my signature on it. I received two responses from Experian at the same time both dated XX/XX/XXXX. The first letter stated that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity or the information was not legible. Each letter I sent was notarized and I provided a copy of my state identification along with a copy of my social security card. The second letter stated that again they have previously processed the dispute and the grantor verified it's accuracy. I am received two different letters with contradicting responses.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I opened a PayPal account with the PayPal financial company. However, PayPal permanently blocked my account, and my funds were trapped inside. PayPal 's policy is to allow the withdrawal of my funds after 180 days. It's been over 250 days, and PayPal keeps denying my right to withdraw my funds. 

All efforts with customer service proofs have been abortive. My PayPal email is [ XXXX ], and the amount held is {$660.00}. Paypal should allow me to withdraw to my credit card which is already linked to the account. They need to stop the fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report for Transunion, I noticed that a late payment for XX/XX/year> was still updated as late and unchanged. The investigation was biased and it was completed before 30 days. I am entited to a fair investigation and that has not happened. The late payment for XXXX XXXX  needs to be removed for inaccurate reporting. Transunion has violated FRCA and my right to privacy in this matter.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEING MY CREDIT REPORTS I NOTICE SOME NEGATIVE INFO THAT HAS MY CREDIT TANKED
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX XXXX  on this matter, I would like this account blocked from my credit profile.
Product: Credit card or prepaid card

XX/XX/208, American Express bluebird til {$44.00} from my account. Labeled as XXXX American Express. I called them and was told it was a computer glitch that double charged me. I was also told it happened to other prepaid users, blue bird and serve card. 

Every day I call, get told oh we know about it and it will be fixed in 24 hours, if not call us back. Every day for 5 days now. 

They are aware of their own computer system taking consumers money illegally and not refunding it. 

Escalated to countless supervisors and still no money back in my account. They were never authorized to take the amount nor hold it. Best I can hope for is to get it back, in the meantime, that money was to go to bills, food and gas which has put a dent in my day to living.

I am tired of calling and being on hold for over an hour just to be hung up on or hear the agent laughing with their co workers and no addressing the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account appears on my credit report, without any authorization, please check it, it's hurting me : CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

i have seen my credit score went down, then i went to XXXX XXXX app, there i saw my credit score went down about 10 points, then i saw an account is open under my name, and without my permission the company name capital one added account under my name, i have never ever given my social security number, anywhere to request for an account, and i called the company capital one right away, and requested the account to be close immediately, because it was there mistake, now i would like to increase my credit score which went down 10 points. thank you