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

I am writing to formally dispute the inaccurate late payments associated with my XXXX XXXX XXXX XXXX credit card account XXXX for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which appear inaccurately on my consumer report. This information incorrect and is negatively impacting my credit report and, consequently, my means of living. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my consumer report. Under 15 U.S.C. 1666b, I demand the immediate removal of these inaccuracies. 
I would like to point out that I have not received any of the required documents as cited in 15 U.S.C. 1637b. The absence of this information further supports my claim that the reported late payments are erroneous. 
If these inaccuracies are not corrected and removed from my credit report in a timely manner, I will be compelled to pursue all damages allowable for willful non-compliance under 15 U.S.C. 1681n. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed. Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report. 
Please investigate this matter promptly and provide me with written confirmation of your findings and any actions taken. 
Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

Equifax has failed to investigate and distribute {$120.00} as per the 2017 data breach/settlement to end consumer
Product: Checking or savings account

Ive had multiple issues with Wells Fargo. My card was duplicated and used in XXXX XXXX, {$1100.00} was withdrawn at Gas Stations ATMs. I was in XXXX XXXX volunteering at a worldwide religious non profit. Never was in XXXX. Secondly, gift cards were stolen, XXXX found it as fraud, Wells Fargo would do nothing. That total was {$400.00}. The total amount is XXXX Ive spoken and emailed every department within Wells Fargo and have dates, times, what I was told, who I spoke with and copies of emails. Also, Wells Fargo told me they would give me {$100.00} customer loyalty credit, they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In no way shape or form am I trying to be ignorant or disrespectful. 
When I got my loan, I got it cuz I was behind on rent. I used almost all of it to catch up. I provided you with my income and I provided you with bank statements. I also gave authorization to take the money off my card every month. 
When I tell you all my information and you see with my bank information what my deposits are and what not I would just automatically assume you would work around my due date because I think as the person loaning me the money that is your job. But that's definitely not how this has went for me. 
I've NEVER had such a horrible experience with a loan company before. I GET XXXX. My deposit posts 4 days before the XXXX. Even though I signed a document for you to take the money off, I still have to manually do it every month and yes, I don't always remember to do it because that's what I thought the automatic payment was for in the first place. 
As I made my payment XXXX on the XXXX I seen a late fee which is XXXX. I dont have that extra money for something your failing to do on your end so I do it manually. But the late fee today was from back in XXXX for making XXXX different payments which makes absolutely no sense to me. But your also considering almost all my payments as late because it's not paid on the XXXX or the XXXX whichever day it is due. You was already made aware of my financial information which included my income and deposits. 
If I get paid on the day after my payment is already due, how am I gon na pay it on time? And I think it's mind blowing now I wasn't even XXXX day... I repeat XXXX DAY past the due date and I was being told it was late. 
If my XXXX posts after my loan is due then how can i pay it? And how can i be penalized for something out of my control when you was already made aware of my financial situation.
Product: Credit reporting or other personal consumer reports

I called and spoke with a representative of the company to pay the debt in full, and I specifically asked for the collection to be removed once payment was received. Per the representative it would be removed from all three credit bureaus within 21 days. As of today 's date, the collection is still showing on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Kindly do the same thing as what the other credit bureaus have done. Update the account : XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a line of credit from this company. I had a draw, and easy payments, that I managed well for 2-3 years. I got offers to get a credit card with this company. I have 2 separate accounts, the second was XX/XX/XXXX. I can not find transactions to match these totals ( {$3400.00} ), for the older, and the newer ( {$3300.00} )., I called the company and asked for a freeze, ( payments for both were at {$400.00}! ). 
They froze and stopped acct., but interest has been accruing for many months!!. 
I can not find legitimate transactions for this exorbitant amount. 
I called and talked to XXXX XXXX, " begging '', as a single mom, asking for a review., asking for a stop of charges ( he reports literally were tough, nothing we can do and we are not reviewing your account! ), even corrected my speech a few times! ), How did I get to ... approx., {$6800.00}. plus!!! ( where are transactions??? )., and if legitimate I must negotiate a settlement, if my credit is destroyed right now, housing is at risk ( I rent! and may not have my lease resigned ). I am a healthcare worker, struggling. 
I am a single mother and have XXXX XXXX, this situation is keeping me up at night and endangering my health! I am formally requesting an entire review of my account with a negotiated settlement amount. ( I have paid fairly for years! ), if the amount is negotiated I will do my best to pay in full and be rid of this awful bait-and-switch company. INTEREST accruing daily! 
Thank you, XXXX XXXX XXXX
Product: Mortgage

We began the process for a construction loan with XXXX back in XXXX. From then until present we have received misinformation about crucial components of the process, such as proposed closing dates, amount required to close, and even difficulty at present with regard to the first draw. We were initially told that the closing would take place on XX/XX/XXXX during my brief return from visiting family in XXXX. The closing did n't actually take place until the XXXX. Our mortgage broker, XXXX XXXX told us we should prepare the house for the XX/XX/XXXX closing and the commencement of construction, and so we cleared our house and placed all of our belongings in storage. Make no mistake ; I am fully aware of the unforeseen complications that can occur with regard to processing a government loan. However, we have email records that clearly indicate several lapses in the processing of paperwork, as well as faulty information regarding the timeline and credentials necessary for the transaction. Certain forms ( that did n't require any updating ) were requested and filled out as many as four times, as our mortgage broker told us he had lost them. 
Additionally, several weeks after finally receiving notification that we were " cleared to close, '' my wife called our mortgage broker to check on the status of our loan, as we had received no update. Our broker, XXXX XXXX, of XXXX, became defensive and rude on the phone, and told her that he was " done with us '' and said, " Your loan was only approved because of me. I am passing this to my boss, and I can assure you that now your loan wo n't be approved. '' I 'd like to think that the approval of line would be based on the applicants ' meeting the qualifications of financial solvency required, and not be contingent upon the personal whims of an individual. 
When XXXX boss, XXXX XXXX, took over our loan, he was just as vague and non-compliant about our closing procedures. We received absolutely no consultation or update about our closing documents or the closing itself. We were told that we had to " figure out '' who our title company was, and schedule the closing ourselves. When we met with the closing agent, she informed us that XXXX had been alerted about the date and details of our closing, and that they had assured the title company that they would make the clients aware. This never happened. 
After all of this, our closing finished, and the initial disbursement was transacted on XX/XX/XXXX. The check for the first draw has still not been cut, and we have placed several phone calls to address this problem. XXXX XXXX, another individual from XXXX, spoke with us after we placed a phone call this morning and assured us that he would call us with an update on the check. He never did. I am thoroughly disillusioned with the complete lack of professionalism on the part of this company. XXXX essentially collected XXXX dollars for themselves in exchange for providing zero service and subjecting my family to immense inconvenience and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Debt collection

I opened up an account with this company in XXXX  with my name address and social security number. I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them XXXX times and I never heard anything back from them why I never got a bill or anything from the company since XXXX. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan with flagship credit acceptance. I got the loan refinance through a different lender of XX/XX/2021. The lender sent a payment check to flagship credit acceptance to pay the account with them in full on XX/XX/2021. Flagship Credit decided to post my account as 30 days late on XX/XX/2021. This cost my credit report to lose several points and they reported false information. Instead the account should show paid in full and no late payments. I'm highly upset because I'm currently trying to fix my credit score rating and they are damaging it more.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX 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. These fraudulent, inaccurate, and false information consists accounts along with the account numbers, 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 These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and finance department and my credit was obtain by lenders ( XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. ) that was not authorized. The Finance Manager sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only this account continues to report multiple inaccuracies and incomplete information on my credit report, but I've personally called this creditor and they don't have any of my personal information on their end and advised me to call and dispute this to you directly. You are the only one reporting such an account and continue report as such. I've filed and submitted a police report in this regard.
Product: Debt collection

In XX/XX/2020 i was victim of theft from my debt card for XXXX i called my bank next day to reported and cancel my debit card. Now i have a letter from Bank of America saying they will take back from my account that money because : '' Unfortunately, we're unable to approve your recent claim. I need help with that because i think is not rite i have to pay back that money when i am victim.
Product: Debt collection

Good evening, My name is XXXX XXXX. 
This year I was a victim of Identity Theft. 
It has put a huge strain on my life and has even led me to being evicted. 
I am trying desperately to remove all the fraudulent activities on my credit report. 
There is an account in my credit report from your company. 
I did not open this account and I have not used any goods connected to this account. 
This account is a direct result of IDENTITY THEFT. 
I ask you to please remove this account from my credit report and do a thorough investigation. 
I have been dealing with this for months and I just want this to be over. 
I have attached a PDF with all documents proving my identity. 
Please help. 
Thank you!
Product: Debt collection

I initially found out that I had a debt that went to collections after it had already ended up on my credit report. I immediately looked up the phone number to Conserve and contacted them when I saw it listed on there. I also paid this debt immediately. My husband and I asked them why I had not received any communication about this debt and their response was that they werent ever able to get ahold of me and they arent allowed to leave a voicemail ( company policy based on a law about being leaving information about debt on a voicemail ). It would have been appropriate to AT LEAST leave a voicemail to request a call back. I would have also appreciated a notice in the mail, but I never received anything in the mail. I was given an address over the phone that was several years outdated. It is unfair to me that I was NEVER made aware of this debt and wasnt allowed the opportunity to pay it immediately when notified of it. I work for a XXXX  XXXX, so I do not answer phone calls from unknown numbers. However, I will call them back if they leave a voicemail and I know that theyre legit. This is unfair practice and I want Conserve to be investigated.
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Checking or savings account

I have an business account for my medical office XXXX XXXX XXXX XXXX XXXX. in Chase bank. I wrote a check {$120.00} ( XXXX XXXX XXXX dollar XXXX/XXXX ) on XX/XX/2023 to XXXX XXXX  XXXX. Some one stole the check from post office and washed out the check, changed amount to $ XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and paid to XXXX XXXX XXXX XXXX 
Chase paid {$7600.00} to XXXX  XXXX XXXX client ( XXXX XXXX XXXX ). I made a complaint to chase bank, but not getting my money back. 
Chase informed me they are waiting for XXXX  XXXX XXXX to response in this matter.
Product: Mortgage

This is our second complain against Wells Fargo ( 1st complain # XXXX ). We Recently received a resolution letter from Wells Fargo saying that they are unable to approve us for a modification as per investors guidelines. I called cfpb spoke to XXXX and he stated that a response was received and that I was approved for a modification ; when in fact is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in school/ deferment from XXXX and XXXX XXXX falsely reported I was not making payments. In XXXX XXXX XXXX sent a letter that stated this and that they sent information to four different credit reporting agencies. I called the number provided to the XXXX XXXX XXXX XXXX XXXX XXXX which really only went to the Education Loan department. 

It seemed to me that they resolved the reporting issues but I am still financially damaged since it was corrected recently I have loans associated to my house/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and car loan/ XXXX XXXX XXXX XXXX. All of which I have been paying too much for since they reported derogatory information for almost seven years. 

I attempted to get my school loan which is variable adjusted down as well as my house loan but XXXX XXXX declined my effort to mitigate the ongoing extra costs to my loans. XXXX XXXX XXXX XXXX said I would need to re-apply for a car loan, but rates have gone up so much I had a better rate already even though my credit score must have improved some. They did verify that one of the reasons I was turned down for a loan recent air conditioner loan was that derogatory reporting. It was over 100F and we had no ability for 4 weeks to get an AC unit for the house. 

During the period of time I was primarily unemployed from XXXX XXXX XXXX I was turned down for jobs and had to cash in everything we owed to survive, land, cars jewelry etc. In my profession you can not have companies bill under your license if you are delinquent in school loans payments. The OIG would require repayment for any payments submitted under my license. I believe that XXXX XXXX is responsible for many tens of thousands of dollars in my period of under employment associated to turn downs and sold property not to mention continuing loss from extra fees. 

I tried to get a credit report from Transunion to see what was reported and corrected about three weeks ago and have yet to see a credit report. XXXX XXXX XXXX XXXX suggested I go to XXXX XXXX. I do n't know why I should have to do that when I called to the numbers provided by XXXX XXXX to the four credit companies. Not sure why I have not received a report from Transunion. On the call to them they wanted me to pay for getting my credit score. I feel slighted by that since XXXX XXXX created this mess. 

I asked for numbers to the XXXX XXXX XXXX and the local bank in XXXX, Nebraska could n't find it. It tells me there is no ability to get accountability and mitigation for the damage they have done to me financially and it is a disingenuous offer for resolution. 

I have also tried to refinance my student loan I have with XXXX XXXX with XXXX and was flatly turned down. I believe because of their false reporting. Since we have many medical bills it is difficult to afford legal representation. I thought I would try this XXXX for help resolving my ignored mitigation efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my report I dont recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong addresses on my credit report.