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

You are in violation for reporting unauthorized collection accounts on my credit report. XXXX XXXX didnt send me anything to verify this account. Please see the attached FTC report and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

My account number with Wells Fargo is XXXX. 
I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.
Product: Credit reporting

After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle.
Product: Mortgage

Guild Mortgage Company, based out of XXXX Nevada is offering to buyer clients who apply for a mortgage with them on XX/XX/XXXX, a {$1000.00} furniture gift card. Is n't this a violation?
Product: Mortgage

we refinanced our mortgage with wells fargo, our contract agreement, wells fargo pays from escrow our taxes and property insurance. I have been receiving letters from berkhiemer stating the taxes are not paid and it will be turned over to the courthouse. With numerous attempts with wells fargo the problem is not resolved.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a false charge of ( {$750.00} ) and ( {$430.00} ) from US Department of Education listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Checking or savings account

I am unable to login to my Marcus Goldman Sachs online savings and CD account. I called the company and was on the phone XXXX customer service for apprx 30mins/ She advised me to report this to you. 
The address to the account was changed to somewhere in XXXX. 
I am still unable to access my account. 
I am concerned that they may have my SSN.
Product: Mortgage

I lost all of my income due to Covid, and have struggled to this day to regain that income. Shellpoint Mortage is the servicer, XXXX XXXX XXXX is the investor. I was asked to submit a hardship circumstance, in addition to Covid, the XXXX XXXX floods caused serious damage to my home. I also submitted a detailed business plan that would benefit the XXXX to have a west coast presence for helping historic single family homeowners from losing their homes, due to my relationship with the business and political community in XXXX XXXX. I was requesting a 90 day hold on a foreclosure date, so that I could attend to the water damage. When that was declined, I reached out to the owner/holder of the loan. The Bank said all decisions concerning my home are in the hands of the Servicer. The Servicer said all decisions on their part are the made by the Bank. Further when I sought additional information, my sale date of XX/XX/2024 was advanced to XX/XX/2024. This does not give me time for an investor to assist me, nor complete my home repairs. There is no equity in my home until I get private funding, am back to full time employment, and complete home repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this complaint with Equifax Fraud Deparment was filed was due to a completely inadequate response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

The employees in this department do whatever they want with one 's credit report. They don't treat you with respect nor do they want to actually help you. They go against the law.

I have fully investigated my rights in this matter. Under the doctrine of estoppels by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.

I have provided more than sufficient evidence to get these false accounts removed. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation.

Also the following accounts that were unauthorized : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX  4. XXXX XXXX XXXX  5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX  7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
Product: Consumer Loan

In XXXX I purchased aXX/XX/XXXX dodge ram truck, at the time we lived in XXXX XXXX. I was financially stable to make my payments, in XXXX XXXX my daughter gave XXXX to XXXX in XXXX XXXX they were 3 months early, they were in XXXX.my wife and I had to move to XXXX XXXX to help take care of our other grandsons who were XXXX and XXXX my daughter had to stay XXXX. well I took a job with a guy and he paid me fine to start and then he did n't and I had to call Chrysler and surrender my truck in XXXX XXXX
Product: Debt collection

End of XX/XX/XXXX, Lake City Credit called saying I owed {$2000.00} to " Mastercard ''. I told them I do not have a Mastercard nor had I ever had anywhere near a {$2000.00} limit on any credit card. They told me that the debt was from XXXX. I informed him if that was true, the statute of limitations is 6 years in Michigan ( where I live and have lived since XXXX ). He told me that's not how this works and that I needed to pay or they would sue. I told him he could contact my attorney and he hung up. Since then they have sent letters to my mother 's house. I do not live there or even within a few hours of her house. I do not know what the letters say.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX 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 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I demand that Experian provide me with full disclosure regarding their purported claims of method verification in their alleged Reinvestigation ; per the FCRA 611 ( a ) ( 7 ). Non-Assumpsit! See the attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX Original Creditor : ) XXXX have 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 card

This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years.
Product: Checking or savings account

I entered my XXXX XXXX XXXX checking account to add an external account in order to connect my Capital One Checking 360 account via a secure and private party XXXX  after successfully entering my username and password and code numbers via SMS. Unfortunately, Capital One blocked me from setting up my external account. I called the Capital One, and the manager XXXX said it was impossible to resolve the issue and they have a right to block me from connecting my XXXX checking account to my Capital One checking account via XXXX. Please let me know how to resolve it with Capital One.
Product: Payday loan, title loan, or personal loan

I made two payments in the month of XXXX. Minimum payment due was {$300.00}, and both payments totaled {$7000.00}. 

I paid {$6900.00} on XX/XX/20, and {$100.00} on XX/XX/20. Interest was deducted from both payments instead of applying the additional payment to principle only. 

I tried to contact one main, but there are extended wait times of 30+ minutes to speak to someone. There is no email address provided. 

I also looked at my statement to try and find an email address, and not its fine print saying that if I want to make a principle only payment, its required that I call in or visit a branch to make the payment in person. If this is true, One Main Financial is intentionally making it more difficult for people to pay off their loans, with the intent of burdening people with debt so they can make a profit.
Product: Student loan

I went to XXXX College in XXXX XXXX XXXX XXXX I attended for 2 and 1/2 year and graduated with a XXXX Degree in XXXX XXXX. Upon graduation I struggled with finding a job in the field with the economy in the state it was in ( XXXX ) and the lack of education I received from the college. I learned in the XXXX world that the education I obtained was sub-par at best and in most cases did n't meet XXXX standards for an XXXX position. The lack of education was due to the college " cycling out '' the program I was enrolled in so they pushed for all of us to graduate earlier than predicted upon enrollment. Furthermore, they used teacher who were not certified/qualified/educated enough to teach these core classes at a college level. I decided to pursuit a XXXX Degree at XXXX in XXXX and was advised that XXXX college was not regionally, nor nationally accredited. Therefore, my credits earned and paid for were irrelevant and, I would have to start from scratch. In the meantime I had to start paying back my XXXX XXXX loans which where quite hefty in cost. After breaking down the math I was paying a little less than the interest charged each month, therefore I could never move forward in paying off the loan. Due to the economic hardships I was forced to place my loans in deferment and/or forbearance in order to afford the other bills and living costs I had. In it 's current state I still pay more per month for my loans than I do my home loan, and the amount of interest compounded each month, will make it nearly impossible to pay off this debt. I have been paying off this loan since late XXXX and I currently owe over {$12000.00} more than my initial balance due to these circumstances.
Product: Vehicle loan or lease

Mercedes Benz Financial Services ( MBFS ) deducted a payment from my checking account 3 weeks after I turned in the vehicle at the end of the lease. They indicated the dealer Mercedes Benz of XXXX did not pay off the vehicle when it was turned in. I called MBFS on XX/XX/21 and they said they would refund in 2-3 days, but after XXXXhree days I received no refund. I called Mercedes Benz Financial Services today and now they are saying they won't refund my money for at least 3 weeks.
Product: Checking or savings account

On XXXX XXXX, XXXX I accessed my bank account through the XXXX mobile app ( as I often do approximately XXXX times daily ). On the date in question I noticed my account showed several pending transactions and some posted. Additionally, I had a balance of over {$200.00} in my checking and over $ XXXX in my savings account. By the time I woke up the next morning I was overdrawn and charged {$34.00} for NSF. XXXX alleges I did not have enough money in my account to cover a recurring bill ( from XXXX ). 

On several occasions throughout the day on XXXX XXXX, XXXX, I saw the XXXX payment, in particular, and it showed " posted ''. I knew it was posted because the XXXX is blue for credit and gray for posted. Additionally, it did not say " pending '' in the left hand corner near the transaction. I asked XXXX why they did n't reject any transaction XXXX XXXX ) and they " conveniently '' stated the XXXX transaction is the transaction that put me into overdraft. I know for a fact they fixed the order of the transactions to make the XXXX transaction come in " last '' when in fact it was first on the list for that date. If they left it as " posted '' instead of being dubious and making it " pending '' AFTER they posted it, it would have triggered XXXX of my debit transactions being rejected at the POS requiring me to make a transfer which would n't have cost me a dime! 

I am requesting that my {$34.00} be put back into my account since XXXX has not provided written documentation, bearing my signature, that states I opted into overdraft protection. I have enough of my own money in the bank. I do n't need XXXX 's.
Product: Mortgage

I am requesting the applicable laws that explain how my loan was transferred and the terms of the loan was changed without my knowledge. It was changed from FHA to Conventional loan.The Mortgage company AFN changed the terms without me signing any documents. I was told that Company responded XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, American Financial Network , Inc. ( " AFN '' ) sympathizes with any frustration you experienced in attempting to obtain your loan documents. Please be advised that we sent all of our loan files to you by email. If you have any trouble accessing them, please do not hesitate to contact us. The documents we provided also included the XX/XX/2023 notification letter that we sent to you and pertains to the sale/transfer of your loan. The letter indicates that XXXX XXXX XXXX currently owns your loan ( as of XX/XX/2023 ). The sale of the loan was done in compliance with applicable law. Please note that during the underwriting for your loan we discovered that your debt-to-income ratio and missing documents for your prior loan modification payments made your loan uninsurable for an FHA loan. AFN was still able to qualify you for a conventional loan. We thank you very much for obtaining the loan from AFN and for your military service. We wish you the best.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Credit card or prepaid card

Without my knowledge or consent, someone charged {$8800.00} to my XXXX XXXX XXXX XXXX Barclays credit card. When I called Barclays to file a dispute, XX/XX/XXXX immediately after discovering this, Barclays refused to open a dispute. They said they do not do this, first I have to wait 2 weeks and try to resolve my self. XX/XX/XXXX, I attempted to resolve with the business ( I do not know which employee committed the act. ). One manager initially acknowledged a mistake had been made and was going to refund my card. When I went in for credit, a different person was there and threatened me ( I have a witness ). XX/XX/XXXX I submitted a written dispute letter with a case number, to Barclays. Barclays never sent a letter acknowledging the total inn spite of repeated requests for one. XX/XX/XXXX I received a letter, but it had a different case number. In XXXX I did receive a partial credit ( {$3200.00} ) Barclays said there had been no response from the merchant. In XXXX I continued to call asking why a different case number but no one knew. A 3rd number was assigned in XXXX where the representative said she would attach the new file number to the original XX/XX/XXXX letter. I sent several written letters and have attached all evidence in section 3 with specifics and my original dispute letters, proof of on time notice ( Fax company ) and Barclays response.

Barclays assigned two more case numbers following the original assigned case number and dispute letter. In XXXX I received notice from Barclays that said I had not filed in time. During all the months I was told the " back office '' was investigating this, I called and checked in and believed Barclays was doing something. Please read my attached detailed chronological list of events. Worse now, is I have to pay interest on a fraudulent charge.
Product: Debt collection

XXXX 2015 I went into XXXX XXXX at XXXX XXXX XXXX XXXX SC XXXX currently called XXXX XXXX XXXX XXXX XXXX after receiving letter from collection agency stating I owed a Balance of {$3500.00}. I spoke with the assistant Manager at the time name XXXX and explain that this balance was not correct and she went to look for file and said that it was not in the office due to changing management companies. She was able to find some info online and saw where I only owed {$1200.00} and I paid that to them at that time. This is still being reported on my credit and with wrong amount original debt amount.
Product: Credit card

I have filled out a 1099A form with American Express. It was accepted by the IRS ON XX/XX/2023 and was postmark on XXXX XXXX.