23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collection company never notified me of my right to dispute a debt that is incorrect and has had other collection companies removed from reporting because the debt is not mine and is from 7+ years. A copy of this complaint will be submitted to the FTC and the State Attorney General 's office to take further legal action against the Debt Collection company for the violation that has occurred.
Product: Credit reporting 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 removal 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/1988 XXXX loanDepot XXXX XXXX XXXX XXXX, TX XXXX Account : XXXX Re : Letter to Remove Inaccurate To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 
I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your prompt attention, time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the removal of the inaccurately reported accounts from my credit report on XX/XX/24. The account is Portfolio Recovery # XXXX and requested proof of debt, and was told he was not able to provide to me. This company has been harassing me with phone calls, emails and even text messages. I do not owe this debt and need harassment to stop immediately, and this collection account removed from my credit report or provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt. Provide the original signed contract or agreement between myself and the original creditor that created the debt. 4 ) The bill of sale or assignment between the original creditor and your company. 5 ) The agreement that grants you authority to collect on this alleged debt. 6 ) Proof of permi
ssible purpose for your company to report on my credit file.

7 ) A copy of your state license, including license number.
Product: Debt collection

I contacted XXXX XXXX XXXX regarding a debt they were attempting to collect. I had insurance thought XXXX which had a deductible for the amount of {$1700.00} which was met and over paid prior to the dates that XXXX submitted an amount for me to owe for a total of {$3400.00} and {$610.00}. My insurance was backdated which left me with a credit of {$2400.00}. There should have never been an amount owed with XXXX XXXX XXXX, which I submitted a claim against it. Now all a sudden I have two collections on my credit report from Wakefield and Associates with the original creditor as XXXX XXXX XXXX one for the amount of {$3400.00} and another for the amount of {$610.00}. I was never notified by them they attempted to collect a debt. I was never notified that it was even in collections or how I could dispute it or even any contact information for Wakefield and Associates. If I would have know I would have disputed this but I was never given the chance or opportunity or information. I still have no idea how to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect item on my XXXX XXXX XXXX report. The incorrect item is from XX/XX/XXXX which states that my Chase Bank account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with Chase back in XXXX when they made this claim. I never made an ATM withdrawal from my Chase account on XX/XX/XXXX for {$2000.00} XXXX nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with XXXX XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX XXXX admitted that they only contacted XXXX XXXX who erroneously confirmed it XXXX, and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by Chase on XX/XX/XXXX is false. Therefore, both Chase Bank and XXXX have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the XXXX  report lists this item and banks are denying me basic checking accounts as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived XXXX these XXXX. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Debt collection

I am disputing the collection balance reported by CarMax, as I have never had any financial agreement, loan, or outstanding balance with this company. I have not owned a vehicle in over three years, and at no point have I entered into any financing, leasing, or purchase agreement with CarMax that would result in a collection account. 

This balance appears to be either a reporting error, a case of mistaken identity, or potential fraud. I request immediate verification of this alleged debt, including all supporting documentation such as the original contract, payment history, and any records linking me to this balance. If CarMax is unable to provide valid proof that I am legally responsible for this debt, I demand that it be removed from my credit report immediately. 

I expect a prompt response to this dispute and appreciate your cooperation in resolving this matter as quickly as possible.
Product: Checking or savings account

- Deposited {$200.00} check to my Wells Fargo account via mobile app on XXXX XXXX XXXX Ref Number XXXX - Check paid by XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00} with XXXX XXXX XXXX - Received text notification from Wells Fargo on XXXX XXXX XXXX that check was returned due to insufficient funds and {$200.00} was taken out of my Wells Fargo account. A letter stating the same arrived via XXXX but the check number and account number of the returned check did not match the check number and account number of check I deposited. 
- Contacted Wells Fargo and open claim XXXX - Contacted check writer on XXXX XXXX XXXX and obtained proof from XXXX XXXX XXXX check cleared- Contacted Wells Fargo several more times via phone ( a couple of times with check writer on the line ) and provided information from XXXX XXXX ( i.e. trace number ) in an effort to resolve the issue. Noted that the account number and check number did not match the deposited check but still had no resolution - Visited XXXX XXXX on XXXX XXXX XXXX  to confirm check clearance from their institution and proof was provided - Brought the XXXX XXXX proof to Wells Fargo branch in XXXX XXXX XXXX XXXX in XXXX, VA on XXXX XXXX XXXX whereby a dispute was opened. Ref XXXX. Told that it would take up to XXXX business days to respond. 
- I called Wells Fargo after XXXX business days ( XXXX XXXX XXXX ) because I had not heard back and was told that the case was closed but I had not received their resolution.

- Received letter after my phone call from Wells Fargo dtd XXXX XXXX XXXX just restating check was returned. Therefore, there is still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about PHEAA, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I have XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have Included screenshot inside inis complaint in on dates of XXXX please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/11 I have placed 10 calls to Equifax to resolve an issue I am having obtaining my credit report. My credit is not updating and can not be access myself or lenders for review. Each call they claim they have removed a block and I should be able to access it but each time it has failed to work.
Product: Mortgage

I have paid my taxes and my servicing company Shellpoint has forced placed an escrow account to my payment. When they paid the taxes I sent the money back to them in XXXX of this year after explaining I pay my own taxes. They have misapplied the payment and have yet to rectify the situation since XXXX of last year. My payment has increased from {$1800.00} to XXXX. This is unethical and been a frustrating experience with this servicing company. I have been trying to refinance since XXXX and this has held the process up. I have been negatively impacted by Shellpoint negligence and failure to correct their mistakes timely.
Product: Mortgage

We have submitted an offer back in XXXX 2016. The loan servicer ( bayview ) said they need to do a land and interior appraisal before they can review the offer for a decision. This process has been delayed and ongoing for over 7 months. We feel the loan servicer has mid handled this file and is probably out of compliance with their review time.
Product: Credit reporting or other personal consumer reports

I reached out to Chrysler Capitol in regards to an item on my credit since XXXX. I've contacted them numerous of times and also disputed this item on my credit multiple times in regards to its inaccurate and illegal reporting. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( c ) Running of reporting period. ( 1 ) In general : The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. This unlawfully being placed on my credit has caused me to lose out on Credit Card opportunities, denied for bank accounts, my credit score tanking, I haven't been able to get a car and the list goes on. I've provided them proof from THEIR website showing my vehicle was paid for so why is it still on my credit? They charged this vehicle off and inaccurately reported my payment history to all 3 bureaus. I have disputed this with all 3 bureaus with no resolution just more run arounds. I can provide my payment history showing I received a credit that covered the vehicles balance- their system shows it. They have been making my life a living XXXX for 10 years- that is way past 7 years as stated above. Chrysler Capitol is taking advantage of its consumers and purposefully ruining credit worthiness because they get away with ignoring disputes and complaints. It is unlawful! I have attached my payment history- you will see the credits in " ( ) ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against Equifax, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are showing my XXXX  XXXX XXXX  card beginning in XXXX as being closed and it is not closed. This account has never been closed.
Product: Mortgage

I got the papers that cfpb sent me on what chase said where the did nothing wrong well got news for them yes they did. the women that I talked to about the modification said that I would have to stop paying them if I wanted the modification if they wont to do the right thing they will see that we never missed a payment. fore a lot of years and i would n't have missed any if it were not chase tailing me to stop paying them to get the mod. and if they would check then they will see that it has been recorded because every time that I talked with chase they would say that this is being recorded for training purpose if it was not done away with it they will find it. I do n't thank that I would pay all that money and then let someone have it don.t thank so. I was cheated out of it just because no one would help I will send you some papers XXXX I did not need the mod and I wish that I never heard of it then we would have XXXX fine the house would have XXXX paid for by now. but thanks to chase they cost us a lot over this my health money and I wont my house back that you stole from us and you can pay us
Product: Credit card or prepaid card

OnXX/XX/XXXX, I applied for a XXXX Capital One student card and was approved. I applied for the card to help improve my credit. I received he card around the middle on XXXX (  later to find out it was about XX/XX/XXXX. ) I used the card for several transactions during the holidays. I logged on online to the account about 2 weeks after getting the card. I had a few issues with the one navigation using my phone and then forgot about the card. 

About XXXX I got really sick and had the XXXX followed by XXXX XXXX. Today, XX/XX/XXXX I was going through my bills and making sure everything is paid and realized, Ive never gotten a bill or anything for my new credit card, not even a phone call. 

I checked my credit report and to my shock see that they reported me as late and over the limit. This dropped my credit score by almost 100 points. The point of the card was to help my credit. I had intended to pay half my balance as soon as I got my bill. 

I called Capital One, they said they do not send bills or reminders or make calls if youre late. I was very surprised and sad to hear this. I asked if they could do anything to help my credit and they said no, sorry but its your fault. I wanted to make a payment and have the late payment removed and asked about a credit increase so it didnt affect my credit negatively and again was told there is nothing they can do but give me a onetime credit for the late fee. I think this is unfair business tactics and is not right. 

I had the card about 5 days when the first bill was issued. I honestly thought the bill would come in XXXX with a grace period to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaza home mortgage is reporting us as having two late payments for XXXX/XXXX  of this year and that is incorrect I have my bank statements to prove it. They no longer own my mortgage. I paid them in a cashiers check one of those months, they claimed they lost it. A couple of weeks later after I paid them again online they cashed the missing check. This company is unprofessional and are ruining peoples lives. The amount is displayed as XXXX.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my consumer report from Experian. In doing so, I noticed a blatant disregard of my personal right to privacy. There are multiple inquiries, accounts, phone numbers and addresses listed. This is evident unauthorized use of my XXXX XXXX XXXXXXXX XXXX. I did not give Experian authorization or consent to report or publish any of my private XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

I am in the process of closing on an XXXX loan for my XXXX XXXX to payoff a XXXX XXXX XXXX XXXX loan. In the process of closing, the XXXX company discovered a XXXX XXXX lien placed by Fifth Third bank, my XXXX XXXX lender, on behalf of XXXX for XXXX. On XX/XX/XXXX, Payoff requested by XXXX company to XXXX. Notified XXXX company on XX/XX/XXXX that XXXX had no record of the account or lien. XX/XX/XXXX, I was notified by the XXXX XXXX company that they could not complete the loan until XXXX lien was paid off and they would need the payoff information to continue. Reached out to Fifth Third for this information and was transferred around to XXXX individuals, but no one was able to find this information. I submitted a complaint to the XXXX XXXX XXXX immediately after that call. XX/XX/XXXX, Received a call from office of the president at Fifth Third Bank and advised they are working on providing the information. I allowed XXXX days to pass with no update provided and then reached out on XX/XX/XXXX to the XXXX XXXX XXXX. Advised again still working on providing the information. Exchanged XXXX calls between XX/XX/XXXX and XX/XX/XXXX only to be referred back to XXXX even after I indicated they did not have this information and it had to come from Fifth Third Bank. XX/XX/XXXX submitted my own request to XXXX for information. XX/XX/XXXX XXXX on behalf of XXXX reaffirmed they did not have this information and I would need to contact Fifth Third Bank.