23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of today 's date : XXXX XXXX, XXXX, Wells Fargo Mortgage has failed to provide a XXXX XXXX XXXX for XXXX. I am currently trying to get a discharge on my Ch. XXXX bankruptcy ( which I had to file to protect my equity and retirement home from Wells Fargo foreclosure proceedings ) and filing my taxes is the last leg. I am current on my post-petition payments ( made by me personally ) and WF says I have paid XXXX interest for XXXX on the automated call-in ; the online XXXX is not available, as it is showing the XXXX amount. 
Conversely, there is a total of {$25000.00} mortgage interest listed on my XXXX/XXXX/XXXX online statement. I called this morning to have the correction made, and they put in a " work-order '' and said the corrected form would be mailed to me in a few weeks, by XXXX XXXX, XXXX. [ When do you file YOUR taxes? ] This is causing added anxiety and stress and may affect my financial well-being. I just am recovering from a five-year repayment plan due to Wells Fargo 's inefficient accounting system, which also ruined my good standing in my community, and my excellent credit XXXX XXXX XXXX, equally important. 
My research shows that this is not unique to me, as WF has already been successfully sued for their mishandling of Ch. XXXX accounts, including punitive awards of XXXX XXXX. It does not appear that they have changed anything, and many others may be suffering from their devious and deliberately confusing accounting system. I am a XXXX in the state of Hawaii. I feel it is my obligation to reveal what I know and help others avoid undue loan problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have debts on my credit report from chase,   XXXX   XXXX  , home furnishings,  XXXX  and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 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. 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. Please explain how you verified there was a late payment in XX/XX/XXXX when there never was. 
XXXX  XXXX Account Number : XXXX If unable to explain how you verified this late payment then please update to paid as agreed never late. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX Account Number : XXXX Please delete immediately. 

XXXX. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting a balance. 
XXXX XXXX XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX  Account Number : XXXX Please delete immediately. 

XXXX. Under 15 USC 1681c1. Identity theft prevention fraud alerts and XXXX alerts XXXX XXXX Account Number : XXXX Please delete immediately.
Product: Mortgage

I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. 
This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter
Product: Mortgage

After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion is not conducting an investigation and has disregarded my request. I checked my credit report and still the bankruptcy that I have been complaining still reflecting on my credit report. The XXXX XXXX bankruptcy is erroneous. The Transunion failed to provide proof of the investigation which I have been requesting for several times.
Product: Debt collection

They called me and left me a message saying they needed to deliver some papers regarding a civil lawsuit against me. I returned the called. They had my name, address, birth date and social. They gave me the addresses of where my ex-sister-in-law lived ( we had the same name at the time ) and told me she must have used my identity to set up the account. They said she had paid on it for 6 years before defaulting and said I owe {$4000.00}. They told me I would need to wait for the papers to arrive and then dispute it. Here it is, one month later, I've called them 3 times to find out where these papers are and they keep telling me they're with the courier. The guy I spoke with today was extremely rude, told me my credit score was going to take a hit, legal threats etc and hung up on me. To be clear, I never owned this account and never lived at the addresses they had on file ( other than my current address ). I ran my credit report and nothing showed up. I feel like something shady is going on. 
Why do these people have my information and why are they threatening me with a lawsuit? I can't get any answers from them.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXXXXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report.

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Student loan

For the past several months Sallie Mae has consistently applied late fees and given no resolve to my payments being reversed for no reason. I have contacted both my bank and Sallie Mae about this issue, but they continue to badger and harass me after these payments are being made then reversed. The banking information I have on file with Sallie Mae to make payments is correct as at least once the payment I've made posted. That payment was {$160.00} made on XX/XX/2018. After this there is a random reversal of {$53.00} made to that {$160.00} I paid which was done on XX/XX/2018. After noticing this I immediately made another payment of {$53.00} that same day. The same exact thing happened on XX/XX/2018 in the amount of {$53.00}, so I made a payment of {$53.00} again to cover this reversal. Late fees have been consistently added every time this happens, and they tell me sorry, but there is nothing they can do. I made a payment on XX/XX/2018 {$160.00} that was reversed on XX/XX/2018 as well, and again, the banking information is correct as they have had one or two payments that were debited from my bank account. XX/XX/2018 {$270.00} was scheduled to post for the ever growing amount that was past due ( even though I MADE those payments! ), and it still has yet to show debited from my bank account even when it says it has been paid on Sallie Mae 's dashboard for my transactions history. This is wrong, and I want this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights. 
ACCOUNT NAME : NAVY FEDERAL CREDIT UNION ACCOUNT NUMBER:XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER:XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBER:XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NUMBER: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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

XX/XX/XXXX correspondence sent requesting payment. XX/XX/XXXX requested settlement offer with Credit Control LLC representing XXXX XXXX. XX/XX/XXXX offer provided in email to pay reduced amount to be paid by Credit Control LLC. XX/XX/XXXX Credit Control confirmed address to mail payment options. No due dates provided for payment. XX/XX/XXXX received email stating no longer able to collect on account and advised to contact XXXX. Contacted who I thought was XXXX but turned out to be XXXX  and given a higher settlement amount to pay than what Credit Control offered. After verifying info with XXXX XXXX my account was conveniently returned to XXXX same day. Per XXXX  account was returned XX/XX/XXXX. 
Only trying to pay what was agreed upon amount with Credit Control which is {$500.00} less than amount offered by XXXX. Offer of {$920.00} for pay to delete provided by Credit Control XX/XX/XXXX from XXXX.
Product: Bank account or service

I have a checking account with Bank of America. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.
Product: Credit reporting or other personal consumer reports

I would like to address issues concerning the continuous reporting of incorrect addresses on my credit report. They can not verify, because there is nothing I have ever signed stating Ive lived at the addresses I am telling them are wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am filing this report to urgently address and demand the removal of several inaccuracies on my credit report. These inaccuracies are unjustly affecting my creditworthiness and must be corrected immediately. The accounts in question are : Inaccurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Applicable Fair Credit Reporting Act ( FCRA ) Laws : 1. Section 605 - Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Obsolete Information : The FCRA mandates that consumer reporting agencies exclude outdated negative information, ensuring that only accurate and current data is reflected.

2. Section 611 - Procedure in Case of Disputed Accuracy ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information : The FCRA requires credit reporting agencies to investigate any disputed information within 30 days. Inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly.

Notification to Furnishers of Information : The credit reporting agency must notify the furnisher of the disputed information within five business days.

Provision of Results : Upon completion of the investigation, the agency must provide a detailed response, including the results of the investigation and an updated copy of the credit report if changes occur.

3. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Duty to Provide Accurate Information : Furnishers must provide accurate data and correct any erroneous information they discover. 
Duty to Investigate Disputes : Furnishers are obligated to investigate disputes received from credit reporting agencies, reviewing all pertinent information and reporting back to the agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a tribal loan from XXXX XXXX XXXX, I received {$600.00} to my bank account, bi weekly they want {$180.00} till I paid off the loan equaling to XXXX, XXXX is XXXX  % I was in need of funds - I was willing to pay XXXX biweekly - but instead they offered me discounts like XXXX % off, which is not helping, they're contacting my employer requesting to take it out my paycheck. I been receiving emails saying they tried to reach out but I got no calls, voicemail regarding them.
Product: Credit reporting or other personal consumer reports

I paid off multiple small loans with Affirm on XX/XX/year>. Another reporting cycle has passed and they have not updated the balances totalling {$1200.00}. Because they failed to report the correct information, I filed a dispute thorugh XXXX. They rejected the dispute and falsely stated the balance information was currect, which is dishonest practice and has damaging effects on me and my credit. The issue is that they XXXX ) did not report the correct information when the next report date came around but XXXX ) they intentionally lied on the disput responce regarding the balance, wich is false reporting and consumers should be protected from that.
Product: Debt collection

RENTED AN APARTMENT IN XXXX OHIO WEST OF XXXX.EVERYTHING WAS FINE FOR ABOUT FOUR OR FIVE MONTHS.THEN A WOMEN WHO LIVED FIVE OR SIX UNITS DOWN FROM ME PASSED AWAY.WHEN THEY FOUND HER, THE APARTMENT WAS ROACH INFECTED.INSTEAD OF TAKING CARE OF THE PROBLEM, THE APARTMENT COMPLEX DID NOTHING.THEY LET THE ROACHES  SPREAD.EVERYONE IN THAT ROW OF UNITS HAD ROACHES INCLUDING ME.I INFORMED THE APARTMENT MANAGER ABOUT THE PROBLEM, HE DID NOTHING.I DID NOT WANT TO MOVE SO TRIED TO GET RID OF THEM MYSELF, SET OFF A COUPLE SMOKE BOMBS.THIS DID NOT WORK, SO I HAD TO MOVE, IT WAS JUST AWFUL COULD NOT LIVE THERE ANYMORE. 
NOW THEY ARE SAYING I DAMAGED THE THE APARTMENT, FROM THE SMOKE BOMBS I  GUESS.I DID NO DAMAGE TO THAT APARTMENT, I WAS A GOOD TENANT, I JUST WANTED THEM TO GET RID OF THE ROACHES.IF THEY WOULD HAVE DONE THAT I WOULD STILL BE LIVING THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX to a company called Docufi Solutions.I was told they could help me get out debt by paying XXXX XXXX a month.Once it was paid I received a email saying Congrats your debt was paid off from my student loan. I then called financial aid because I noticed the debt was still there and hasnt been paid. 
Payments made from XX/XX/XXXX to XX/XX/XXXX .Total payments made XXXX .Total amount paid XXXX called student federal aid and they stated they have not received anything from this company. 
Confirmed XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I created an account with XXXX to send money to my brother and mother located in XXXX. I completed everything as requested, attached my debit card and processed the transfer. It's been in pending until i received an email saying my account was closed and they do not have a reason to tell me at this time. This is the first time i have ever used their services. I do not know what could warrant this closure. I haven't been involved in any fraudulent entaglement at all under any circumstances. I called customer service numerous times and they said they can't provide a reason as to why this happened. Absolutely ridiculous.
Product: Credit card or prepaid card

Navy Federal is reporting in violation of USC 15 USC 6802.

Navy Federal Credit Union received a certified document on XX/XX/2023, XXXX that notified them that they violated my federal rights governed by the FCRA. They are reporting inaccurate information to a nonaffiliated third party, as defined in 15 USC 6802 ( b ) ( 1 ). Navy Federal is considered the 'financial institution ' described in that same law. I have checked my XX/XX/2023, XXXX Consumer Report XXXX XXXXXXXX, and Navy Federal has not ceased to communicate inaccurate information, which by law they must cease all communication when they are notified. Navy Federal was noticed five days ago.

It also must be noted that the information being rep
orted is an alleged charge-off, from my comprehension of the FCRA and the IRS publication 4681 ( Canceled Debts ) charge-offs of {$600.00} or more would be considered income to the consumer and thus should be reported on our tax return. Also, the Lender, which is Navy Federal is required to send me a 1099-C form for this alleged charge-off.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : - Company Name : TransUnion - Company Address : XXXX XXXX XXXX, XXXX, PA XXXX - Phone Number : ( XXXX ) XXXX ( TransUnion customer service ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the XXXX XXXX  NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/XXXX. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX ( a ) ( XXXX ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.