23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. 
Now the mortgage servicer sent me a foreclosure Notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Credit acceptance corp 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 an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a Credit line account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> I applied for a discovery credit card. I transferred money from another account to that card because there was no interest rate for six months. When I went to go make the payment in XXXX, I downloaded the app and in the app when I went to submit my payment I had put in my account information XXXX number off from my existing account. In the app I have alerts turned on, but I was never properly notified that my payment did not go through because the account number was wrong. I did not find out about a missed payments until this went on my credit for XXXX missed payments of a 90 day late. Ive contacted discovery several times to try to take care of this situation. I I have not had any luck with the company. I do not feel that it is fair that they did not report in proper timely manner. Their policy is to report after XXXX miss payments. They did not report my missed payments until the third missed payment. I was never correctly notified and when I went to the app, it just told me to make my minimum payment. It never gave me the information that I had missed a payment or was late. I have full documentations of the statements when I tried to pay, and when my payment went through, I also have full bank account statement showing that I had full account funds in my bank to cover the cost at those times.
Product: Prepaid card

I filed a dispute on XX/XX/2024XX/XX/year> on XX/XX/2024 for the amount of. I asked for the updates regarding the dispute.i was told the dispute was closed on XX/XX/scrub>XX/XX/2024 due to not enough information. An someone tried contacting me threw message or email an I never replied. I advise them no one tried to contact me due to me doing all communication with this company. So I I know no one tried reaching out. So whomever the representative were stated there reopen the claim XX/XX/2024. The time have passed no update were made. So on the 10th business day I were looking forward to my account being credited since no update were made. I contact them on XX/XX/2024 due to that being the 10th business day. To see why my account hasn't been credited or why I haven't received any dispute update. I then received a email stating under regulation E my claim wouldnt be supported. I then email them back stating my claims falls under regulation E guide line. After me emailing them the statement which includes the guide line. They responded were since the transaction were authorized I wasn't eligible for the dispute. I explained to them it was authorized I was charged a different amount then what the original total were. They then advise me they will reopen the dispute an start another claim which would be the 4 th claim. I told them I gave all this information when I opened the claim. I was told the information was missed placed. I then opened another claim on XX/XX/2024 for the amount of XXXX an I'm currently going through the same process
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge off account on my credit report, which is unlawfully on my credit report. 

From Wells Fargo, Account # XXXX A debt has been written off as a cancellation of debt. I have reached out to the creditor. The debt is not longer collectable. 
I have received a 1099c Cancellation of debt From Wells Fargo. I have also file it with the IRS, which it includes as income now, it is no longer a debt. I am not longer liable for this account, nor the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be corrected. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections from my personal file. Hence, I am asking for your help to correct the account : XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Debt collection

My cell rings, and the caller hangs up before I can answer the call. This has happened a lot of times. Following are hang up calls from the same number. I called the number back, and they hung up on me. 
List of hang up calls to me. 
XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/2019 through XX/XX/2019 reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of XXXX payments are incorrect, and Date reported are incorrect, XXXX are incorrect on Experian, XXXX, XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated openXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for an Apple Card and was immediately denied an extensions of my credit. This is XXXX violations of ECOA/ Regulation B, by denying me and further discouraging me from applying for an extension of my credit. 

ALSO : CFR 12 1002.2 ( N ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. 

How can one be expected to act in the manner of another if credit is not granted? It would not be fair to determine my creditworthiness based on an empirical model that does not allow people with lower credit scores the chance to obtain credit as say, people with an XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is many of several. I just did this a few weeks ago only for all XXXX credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXX XXXX XXXX XXXXXXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXX XXXX XXXXXXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, XXXX AND TRANSUNION HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES XXXX AND TRANSUNION HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has inaccurate addresses and accounts.
Product: Mortgage

I have multipole accounts with Shellpoint 4 of which reported a later payment for the month of XXXX the same month Shellpoint decided to change their mailing address. I was never updated with the new mailing address as i rarely look at the statements that are sent to me i have a team who manage all my accounts and they are the ones to make sure all the payments are made i never missed a payments in my life and i never-missed since the incident. This is a case of simple miss-communication which happens to everyone. As a result of not being notified of the address change the check that was mailed for that month was sent to the old address and returned to us only for us to make a payments right away to find out that we where more then 30 days late which cased them to report a late payment on 4 separate accounts. This has affected my credit score dearly and prevented me from getting any new financing which is causing me severe damages to my business and personal health. I submitted a written request to the Company Involved only yo be told that the mistake was on on their end so they wont be correcting the payment history
Product: Debt collection

Date XXXX A number called and said we were 30 days past due on our business account credit card. We had paid the card off and even got online to check and it said nothing due account all caught up. So we said we were gon na hang up and call the bank ourselves and verify. She then gave us a number for us to call us bank but apon doing a XXXX search the number took you to a page that no longer exists. We called the bank and they verified we owed no debt and said it was a scam. We called the number back and it said thank you for calling card member services. The numbers are XXXX & XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem 1 :  I have made several attempts to have  XXXX   # 1 rem ove incorrect information from my credit file , # 2 f orce  XXXX  to appropriately report on my file, and  # 3  validate debts, and finally  # 4  come into  XXXX   XXXX  Compliance with ALL accounts on my credit file.  XXXX  always resolves any investigation that I request with "  Debt Verified  '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading  one  such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their (   XXXX   XXXX   ' ) office. How then, could  XXXX  have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated  (  in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path  XXXX  has taken on every single dispute that I have submitted to them. I have attached the first  4 p ages of the report   XXXX   sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance :   XXXX     XXXX  acct #  XXXX    XXXX   Acct #  XXXX    XXXX   XXXX   Acct #  XXXX   XXXX   XXXX   XXXX  Acct  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX   XXXX  Acct #  XXXX  I have attempted to attach the copy of the letter the collection agency sent me (   XXXX   XXXX   ) stating the account  is  closed in their office (  XXXX  sent it back a s `` v erified '' and refused to remove from my credit file ).   Even the account numbers listed are partial and incomplete account numbers.    Problem 2 :  Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file disputes with  XXXX . On  XXXX  I called in to see why was it that my score dropped from  XXXX  ( dated  X/XX/17    ) to  XXXX  ( dated  X/X/17    ) and was told by the following agents that it was because I had filed disputes :  XXXX   ( agent  id #  XXXX  ),   XXXX   ( agent id #  XXXX  ), and supervisor  XXXX  ( agent id #  XXXX  ). To my knowledge filing a dispute does n't adversely affect your score. Why is   XXXX    punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and  XXXX   XXXX ? There were not any new activity that would cause  my credit score to  drop  XXXX  pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes?   Also, I have uploaded the latest letter that I have sent  XXXX   ( da ted  XXXX  ) trying to get them to come into  XXXX   XXXX  Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about  XXXX   XXXX  Compliance to the.
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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a 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 USC 1681sw-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

To Whom It May Concern : Horrible experience with Wells Fargo ( complaint number 2019 XXXX XXXX Account number : XXXX ) Federal banking regulations provide broad protections to consumers even when they accidentally surrender bank account information and PIN numbers. That is the law. 

On XX/XX/XXXX of 2019, I was the victim of a robbery, the person who stole my wallet with my debit card has been identified as XXXX XXXX, a homeless man of XXXX XXXX XXXX that possesses criminal records. My Atm number was my date of birth, this man went inside a Wells Fargo branch and took {$2000.00} from my bank account. 
I sent the police report, the police identified the individual, I did call Wells Fargo customer service and I gave them all the information multiple times, these past 2 weeks have been XXXX for me, I suffer for XXXX and XXXX XXXX. I felt betrayed by Wells Fargo 's, I will no rest until bringing justice. 
I feel that some Wells Fargo 's fraud dept customer services are cheating their customers, they are discriminating their XXXX customers, Wells Fargo is Violating the law, their own customer service fraud dept is committing fraud! : Why I think this : They denied my claim without showing me any proof of any investigation. If they really did a proper investigation and not an investigation based on prejudices, they would have seen, the bank security cameras and they would know that never I did such transaction! .I called Wells Fargo 's fraud dept, the same day when the incident occurred, I sent them police reports, I followed all the proper steps and yet, they still violated my consumer rights. 
I politely contacted all their higher supervisors but and until now, and I haven't received any answer, I ' am losing my patience, I am feeling afraid of Wells Fargo, I think some of their employs are corrupted, XXXX people. 
Wells Fargo is violating my rights and I will take legal action if you don't respond correctly to my claim, I didn't do this transaction I was victim of a crime and I demand my money back and I will no accept any longer any more humiliation from your " only English talking " fraud department customer services, your own investigators are cheating your client, they are blaming me to avoid paying for the money that was stolen from me, I will don't accept you that you insinuate that am the thief, or that am making fake reports, all that situation, your actions, has caused me great health damages, I explained multiple time to those arrogant customer services from the ATM fraud department, that they forced me to speak with an interpreted as if Spanish speaking employs from Wells Fargo, were no good enough to handle the fraud cases, they cut me off all the times when I was talking, they were rude and I felt treated like a second class customer. 

Sincerely XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX FL email : XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I recently reviewed the updated copy of my credit report and noticed errors and discrepancies in the information furnished by your agency. 

In light of this, I am planning to apply for a new credit line. However, I am concerned that the presence of this inaccurate information may lead to a denial of my application. Therefore, I am reaching out to request the prompt removal of these invalid items from my credit file. 

*Please see letters for the negative items.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/2021. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like Credit Acceptance are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( XXXX ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Experian report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness. 

I've attached XXXX proofs of address, my social security card, my ID, a letter disputing the incorrect information, and a snippet of my XXXX credit report pertaining to the XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to this company several of times in regards to this inaccurate information that they are reporting to my credit. I have no acknowledgement of this debt owed, I 've asked several of times to send pod ( proof of debt ) and they 've failed to do so. My next option is to contact an attorney and file a lawsuit for the inaccurate information that they are reporting. They are in violation of FDCPA by not providing proof that this debt actually belongs to me, in which that it does n't. This is hurting my credit tremendously and is bringing an emotional strain on me being that I am in the process of buying a new home. I am emotionally and physically stressed over this. I am giving them 30 days to get this matter situated otherwise I will pursue legally.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

My husband had emergency XXXX XX/XX/2018 at XXXX XXXX Hopsital in XXXX, GA. He went into another XXXX 10 days later because a XXXX was removed within 3 hours instead of waiting 7 days. Because of this removal, he had a XXXX XXXX XXXX and was sent back to the hospital to XXXX, involoving unnecessary charges. I contacted the Patient Advocate line for the hospital to dispute paying the second XXXX bill because that was the negligence of the physician for removing the XXXX too soon. I received a letter from the Office of Medical Affairs on XX/XX/2018 from XXXX XXXX saying he would look into this matter and the account will be frozen until the problem is resolved. 

We were making monthly payments on the account. On XX/XX/XXXX, we made a {$150.00} payment towards our balance of {$1800.00} via the online portal for the hospital. We made an additional payment XX/XX/XXXX, for {$50.00}. 

XX/XX/XXXX, we get a phone call stating that the balance has been moved to a collections agency. We received no warning, written nor verbal that the balance was being moved. We were also making monthly payments on the online portal for the account. Why was it sent into collections when we were cooperating? 

I want to bring attention to this matter as it was wrongfully handled and we desire justice from XXXX XXXX.
Product: Prepaid card

I was over fraft with bank of america for XXXX $ and they closed my account and also put me through the XXXX which will not allow me to open a regular bank account
Product: Mortgage

The mortgage on my home was paid off in XXXX of 2018. 5th 3rd bank has left the mortgage open and has illegally left a lein on my property. I am unable to obtain a loan against my property with another bank until this lein is removed. I have contacted 5th 3rd bank XX/XX/XXXX. XX/XX/XXXX XXXX and XXXX and nothing has changed. I have had the XXXX county recorders office send over proof of lein on XXXX and XXXX. According to ohio law the mortgage co. Has 90 days after loan is paid off to remove lein on property. My loan was paid off 31 months ago. I want lein removed from house.