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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

I received a copy of my credit report in  XXXX  and have been requesting verification of items on my credit report. I went through the credit bureaus to request verification for these this item on my credit report - i received NO RESPONSE from this creditor, but received their contact information from the credit bureaus. After sending the letter attached to the creditor themselves, the response that they sent me in no way verifies that this item is mine. We have always had health insurance, and i never received a bill for this item prior to requesting information after it was reported negatively on my credit report. I do n't recall ever ever being to this facility. The timing of this also does n't make sense - it has me at the same place wit hin two weeks of another. I think i would remember being to a hospital almost 2 weeks i n a row. I think that someone made a mistake and this is not mine. I also do n't see how sending a bill verifies. Is it not possible that this belongs to someone else?
Product: Debt collection

I had derogatory marks on my credit report for years from NCB Management Services. I have never had an account or done business with this company or the company the claim to be collecting debt for.

I have asked for any proof that debt is owed multiple times over a 5 year timespan but the company just sends a letter stating that the are collection the debt from an account with a prior company called XXXX No information has ever been provided that I signed or have ever done business with either of these companies & NCB refuses to remove the info from my credit report.

To make matters even worse an unauthorized party gained access to their systems and the party gained access to my information.
Product: Checking or savings account

B of A removed the autopay on my checking account that was set up to pay their credit card. They never told me it had been removed and then proceeded to charge me a LATE fee. I complained to them and to punish them, I simply don't use their credit card anymore.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a credit inquiries listed below. However, I did not authorize these inquiries. I'm writing to dispute it and request that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

it was on XX/XX/XXXX and XX/XX/XXXX that i sent my letters asking for verification of this debt.Neither time were there anything sent to me bearing my name within the 30 days time limitation.The item is still on my report after they have broken the law by not verifing it in time. 
It is causing me great hardship dealing with this matter for so long. 
The certified mail reciept number is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX from 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 an account without my written instructions.
Product: Mortgage

I filed a lawsuit against wells fargo back in XXXX XXXX cases XXXX and XXXX. XXXX XXXX was the provider. wells fargo has done everything to prevent from keeping my house. The following list is a summation of the events > XXXX ) wells fargo has consistently not applied or has misapplied my payments. They misapplied at least XXXX payments from my loan on XXXX XXXX XXXX XXXX mn XXXX and have failed to rectify it XXXX ) wells fargo behind my back paid a renter XXXX dollars to vacate my property that I had in litigation XXXX ) After winning my case in XXXX XXXX. XXXX XXXX had to contact wells fargo each month for 4 months up until XXXX XXXX for them to apply my payments this did not happen until XXXX XXXX. I made my payments each month and wells fargo kept applying my payments to principal on my loan amount. I kept making my payments up until XXXX XXXX XXXX. Wells fargo abruptly stopped taking my payments and never called me and then actually through ACH forced the money I sent them back into my account. From that point on they never contacted me and refused my payments XXXX ) I was never paid the XXXX that I paid my attorneys to sue wells fargo XXXX ) I was awarded XXXX from judge XXXX to be paid by wells fargo due to the fact that wells fargo did not follow the judges protocol in reversing the foreclosure in a timely manner. This was to be applied to payments which was never done. 
XXXX ) I have had many conversations with wells Fargo ' XXXX office. the people in these office are barely college educated kids who do not understand the banking process and pander to whatever Wells Fargo want them to say.the issues never get resolved I want my XXXX dollars applied to my account : basically applied to my past due payments that wells fargo has refused to accept. I want my XXXX that was awarded to me applied to my past due payment schedule.. 

Wells fargo has caused a lot of heartache and pain and suffering since the 5 years ago when I took them to court and won my case against them and they continue to do so.They are a monster and the banking system should cause them to fail for everything they have done to people. there are numerous lawsuits against wells fargo including the recent one where they fraudulently opened accounts unknowingly for their customers. how long must wells fargo be allowed to do whatever they want and go unchecked. They are a corrupt organization. 

I want these monies applied and I want wells fargo to take my house out of foreclosure and I also want my mortgage free and clear from wells fargo I took them to court once and I will take them to court again. 

The CFPB has an obligation to take care of this for me as well as all consumers who have been tortured and bullied by this banking institution
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account listed as a collection on my credit report. I contacted the original creditor, XXXX XXXX XXXX XXXX, as I could not reach the collections agency. The collections agency called me several times a day but each time I tried to answer, the call would disconnect. Also when I tried calling them, the number would disconnect. They removed the account from my credit report at their own accord around XX/XX/2018. Now, they have replaced it on my credit like it is a brand new account, which is a violation of my rights. They should not be allowed to re-enter the account as a new account making it appear that this account just opened, which dropped my credit score over 90 points. The company is Sentry Recovery at XXXX. This should be removed from my credit report. They also have not sent a letter to me asking for any money or payments on this account since they removed the account from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX XXXX XXXX  added a derogatory mark to my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX FCU Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

accordance with the law the fair cre dit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Dept of Education # XXXX Under 15 U.S.C 1681, section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then seven years.

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/2024 I mailed a request via USPS Certified Mail to capital one requesting the full on and off ledger accounting records of all transactions that transpired between their company and my en legius. Capital One received the letter on XX/XX/2024. I gave them 14 days to respond. I never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent disputes for my inquires and names but nothing has been fixed. I have the letters and sent them XXXX of this year.
Product: Credit reporting or other personal consumer reports

It seems that they are still reporting the same accounts that have been successfully deleted from other consumer reporting agencies ' records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I am aware that the credit reporting system is designed to ensure consistency and accuracy across all major credit bureaus. Therefore, if an account is removed from one consumer reporting agency, it is expected that the others will follow suit, especially when reporting to the same creditor or furnisher. 

I demand Experian and XXXX to promptly remove these items that have already been successfully deleted by other credit bureaus. Ensuring uniformity in reporting is essential to maintaining the integrity of credit information. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!!

It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual report
Product: Mortgage

To SLS and shellpoint Your company has made a mess of my loan and a lot of mistakes and delays. 
I am requesting the following 1. explanation of debits and credits not explained to me from XX/XX/year> to the current month that show on my statements that I was told they would be explained to me and they have not. 
2. I was told not to make any payments until I received my modification papaerwok which I received a few days ago with incorrect info.

3. I am requesting for the balance past due to be placed at the end of my loan and continue making my regular payments of the amount {$3300.00} starting XXXX but I need to know so I can go ahead and make that payment asap, it was your bank who delayed this process due to the switch between companies, I emailed the person assigned several times to get the paperwork in order for me to make my payments and I was told to wait first by SLS then by shellpoint. 
4. Negative report to credit bureau needs to be removed or additional complaints will be filed. By law I am protected while this process takes place 5. Please reply to me by XXXX so I can make the payment for XXXX. It was your bank who send me this paperwork last minute and asking for a payment from XXXX? When you told me to wait until I get my paperwork to start making my payments. And I have records of that.

6. If no response is received additional complaints will be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer

service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from 2015 which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. XXXX XXXX  and experin are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to expetian to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and experian to pay for the damages for my pain and suffering. I spoke to Experian and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX of XX/XX/XXXX and my boyfriend is helping me with my credit. When we checked my credit report we noticed 5 credit cards that I never applied, used or signed for that have been closed and charged off. All of the credit cards have the same address and 4 of them were closed on the same day. Which doesn't make any sense. When I have tried to ask questions, or complain, I keep getting the run around, the companies are not found as seperate companies. Even on this site to complain the individual names don't come up. They only come up as XXXX XXXX XXXX.

They are : 1.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$410.00} charge off 2.- XXXX XXXX/XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$450.00} charge off 3.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$460.00} charge off 4.- XXXX XXXX- open XX/XX/XXXXand closed XX/XX/XXXX {$230.00} charge off 5.- XXXX XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$130.00} charge off All at 1XXXX XXXX XXXX, XXXX  WI XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report as they were compromised due to the breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts and inquiries : Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$44.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$270.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my credit reports Experian XXXX XXXX
Product: Mortgage

Ocwen has replied to our request to fix our mortgage account. They still claim we owe them money and are going to start foreclosure. Again, we have never been late or missed a payment, but they still claim we have. How do we stop this?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance Owed : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account that's on my consumer file
Product: Money transfer, virtual currency, or money service

On XXXX Saturday XX/XX/XXXX, I initiated a wire transfer witch chase bank to take place on the next business day ( Monday XX/XX/XXXX ). On Monday XX/XX/XXXX the wire transfer status changed to completed and the money was withdrawn from my account. However the money never reached the recipient. I kept calling chase because domestic wire transfers usually shouldnt take longer then 24 hours, however they told me to that it was completed and to wait 3-5 business days maximum to see the money posted. I kept calling them and every time I was on hold for at least 45 minutes and every time I finally reached a live person they told me the same thing, the wire was successfuly completed without offering any sort of resolution. On Monday XX/XX/XXXX I called back again multiple times to initiate a wire recall, and after being on the phone for over 2 hours they just hung up. I called again on Wednesday XX/XX/XXXX, and was finally able to reach out to a representative who said they would initiate a wire recall. After spending hours on the phone waiting on hold and talking to customer service specialists who all told me the same thing. It took me almost 10 days to reach a specialist willing to try and offer assistance. However even after speaking over the phone regarding initiating the wire recall I have not received a confirmation or email anywhere that a recall was initiated, nor have I received the funds as of Friday XX/XX/XXXX. This money was sent with urgency and I expressed that to chase multiple times but know one was offering to help. Its been 2 weeks now and my recipient has yet to receive the domestic wire nor have I yet to receive a wire recall confirmation or the funds back into my account. As of now I have no idea where the money is in the process, and I will be changing banks when this issue is resolved. Customer service here is terrible and hold times on the phone are ridiculous. This is no way to conduct business.