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

I am disputing incorrect information on my XXXX and XXXX  credit report. The reports show a charge off on my mortgage account as of XX/XX/XXXX. The previous mortgage company XXXX XXXX XXXX  XXXX was bought by Pacific Premier Bank around XX/XX/XXXX. At that time, I was not made aware of the sale and believed that my loan had simply been transferred to another lender. I have continued to make my payments beginning XX/XX/XXXX to XXXX XXXX up to the present time. For eight months XXXX XXXX XXXX to XX/XX/XXXX XXXX my credit reports shows " OK '' then on XX/XX/XXXX begins to show " Charge Off '' up to the present time. I have never received any letters or documents that state my account is in default or in a negative status. I am still in possession and the owner of the property that is the collateral for the mortgage. I submitted a dispute through both of the credit bureaus listed. The lender has responded that the account is correct as it is reported. The lender has also reported that the account is closed. It is not closed. I have contacted Pacific Premier Bank directly to try to resolve this. They have told me the account information is correct. The only explanation I get is that they bought the previous mortgage holder and inherited their accounts. I was told I would just have to wait another six years for this problem to be removed from my credit. The person I spoke to, XXXX XXXX, would not transfer me to a supervisor or manager. 
I do not believe my credit should have this negative status for something I have no control over. it should be clear that there is an error somewhere in the lender 's system, however no one is willing to do the work to find it or fix it. I respectfully ask that this matter be looked into further and the correction be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX  has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.
Product: Checking or savings account

Bank of america has declined my claims. I had my debit card lost/stolen out of the country and i disputed these non authorized transactions. Supervisor told me they could not help me because they couldnt reach the merchant out of the country. The bank credit my account and now they are removing the funds from my account which caused my account to be negative a XXXX dollars plus overdraft fees on more than 13 transactions, it is absolutely absurd. They are not willing to help me on this case. I have XXXX balance on my account and they are taking money from my account and leaving it negative more than a thousand dollars.
Product: Checking or savings account

For the love of XXXX can a regulator please get involved with Capital One not depositing paychecks. I was told it would be fixed by yesterday afternoon XX/XX/2025. Now its Friday and NO PAYCHECK!!! PLEASE HELP
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXX XXXXXXXX Dear CFPB Representatives, I am writing to file a formal complaint against EXPERIAN for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXXXXXX XXXX XXXX XXXXXXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 
2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 
3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 
4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 
5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. 

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EXPERIAN failure to comply with the law. 

Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXXXXXX XXXX XXXX XXXXXXXX. 
2. Require [ name of the credit bureau or information provider ] to immediately and permanently delete the account from my credit report. 
3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 
4. Take corrective actions against EXPERIAN to prevent such occurrences in the future. 

I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. 
Previous correspondence related to the dispute of this account. 
Evidence that the account was previously deleted. 

I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. 
Sincerely : XXXX XXXX.
Product: Mortgage

This is regarding a new loan which closed on XX/XX/XXXX. 
The mortgage company, Shellpoint, has incorrectly set up the amounts in their system and continue to tell us we are past due, even though we have made every payment in full and early. 
The first payment of {$7600.00} was due on XX/XX/XXXX ( paid and cleared our account on XX/XX/XXXX ). Payments as per the legal closing documents are {$7500.00} interest plus {$120.00} escrow. Shellpoint has documents online showing the payment is to be that amount. 
Shellpoint set up the mortgage payment incorrectly in their system, although they told me on XX/XX/XXXX that it would be corrected within 2 weeks it is still not correct. 
I contacted them numerous times via phone and email and have spent HOURS trying to get them to correct their system. 
We have paid our payments EARLY each month : XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account XX/XX/XXXX for the XX/XX/XXXX payment XXXX cleared our account on XX/XX/XXXX for the XX/XX/XXXX payment We received a letter in the mail this week dated XX/XX/XXXX stating that we were past due on the XX/XX/XXXX payment by {$1000.00}. We received a letter via email dated XX/XX/XXXX stating that we owed an additional {$660.00} for theXX/XX/XXXX payment ( which was paid in full ). 

I have contacted them on the phone : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I received a parking ticket from XXXX XXXX XXXX XXXX in XXXX North Carolina. I called because I lost my ticket and wanted to pay the amount I owed on the ticket. When I call and gave them my information the ticket was resolved and 3 days later I got another charge for the same amount. So in total, I have been charged {$160.00} dollars for a ticket that was only {$80.00}. This needs to be fixed immediately
Product: Mortgage

Been submitting modification paperwork since XXXX, was taken out XXXX and resent, then get another letter from wellfargo sayig need more paperwork and nothing was sent! LIARS AND VIOLATION OF FDCPA now faxing again XXXX and XXXX. SELF EMPLOYED XXXX XXXX  AND WANT 6 MONTHS XXXX XXXX XXXX ONLY NEED 3 MONTHS FOR ALL NOT 2 SEPERATATE! So tired of ther lies and say nothing was sent XXXX sent paperwork in XXXX and said wasnt received! GOING TO COMPLAIN EVERY TIME UNTIL SOMEONE AT WELLSFARGO HAS A XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I AM A VICTIM OF IDENTITY THEFT! I have submitted my personal information as well as the Identity Theft report # XXXX from the FTC to your bureau. I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items IMMEDIATELY REMOVED and for good cause. These inaccuracies are highly injurious to my credit rating. The following are inconsistent and incorrect and have been deleted by XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX. XXXX XXXX XXXX XXXX This is the information that is inaccurate on each account listed above. Open Date Closed Date Date of Last Activity High Balance * Please delete all non-account holding inquiries that are over 30 days old. * Please add a Promotional Suppression to my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. Please provide The names and business addresses of each individual with whom you verified the information above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address, or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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.
Product: Checking or savings account

Response to previous complaint id XXXX. 
The ACH credit of {$19000.00} which bank referring on my account.someone used my bank checking account and routing number details to claim Massachusetts unemployment benefit payments without my authorization. I already give complain to Massachusetts unemployment. email address " XXXX, XXXX and XXXX ''. {$16000.00} wire transfer which happen on my account on XX/XX/2020 to XXXX XXXX XXXX  someone told me to do following Buyer details Buyer number XXXX, company name XXXX XXXX XXXX XXXX, person name : XXXX XXXX. 
I already give complain to XXXX XXXX to revert back the money. Email address " XXXX and XXXX '', investigation is going on from there side. 
There was total XXXX on my account, if citi bank reverted direct deposit of {$5300.00} to employer ( XXXX XXXX ) and left over money of XXXX which belongs to me and {$97.00} belongs to mass unemployment. someone used my account details and me to do this activity. I already give police complain to XXXX XXXX police department. 
I contacted my employer ( XXXX XXXX ) last month about citi bank reverted money ( {$5300.00} ). response i got that they never received the amount from citi bank. i will double check with my employer again. 
Note : I'm victim here, someone used me to do all this. I'm not gon na give up on this money. Its my money. 

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

on XX/XX/2021 I Request in writing by a Certified mail domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation from Jefferson Capital System to provide me with competent evidence that I have any legal obligation to pay you Jefferson Capital System they sent back a bill I sent another letter on XX/XX/2021 requested Declaration of some type of proof. if your office fails to respond to this validation request and don't send all pages of how you Jefferson Capital System validation the debt, show me the Original Contract that I signed any thing other then a paper bill, payment history, interest rate, payoff disclosure, amount paid since the debt was purchased within 30 days from The date of your receipt Jefferson Capital System sent a letter confirm that they closed their file and terminated collection action but they did not deleted nor remove it how I read it as they will sell the debt knowing its not a validation debt According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification of the original signed consumer contract any and all account you post on a credit report otherwise, anyone could fraudulent a account
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX with my ex XXXX XXXXI was the co signer. We broke up and XXXX refused to give me the car back .He feel behind on the loan payments. I called gm financial to explain what happened and how I wanted to get my name off the loan or request that XXXX surrender the vehicle to me so that I could keep the vehicle and stay current they told me there is nothing can be done. .XXXX  did a voluntary repo with out my consent and I was not notified. I had to request the repo detail and thats when I was sent them .Gm financial refused to help me and now this has negatively impacted my Credit and I had to pay taxes thru the irs on a vehicle I didnt even have the option of keeping
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was dropped by XXXX points in XXXX for no reason at all. There was no change in anything I had been doing at all, absolutely no changes at all in my credit history other than an unexplained drop of XXXX points by experian with no explanation or notification.
Product: Debt collection

Voicemail threatening me and to sue me. Recorded. Drive bys past my legal residence. Repeated Vandalism to my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires that are not mine and XXXX is refusing to delete. The inquire is Capital one bank use on XX/XX/2021 2021
Product: Debt collection

I DID NOT OPEN ANY ACCOUNT WITH COMENITY BANK! THIS HAS BEEN EFFECTING MY CREDIT SCORE SINCE XX/XX/2019. I NEED THIS CLEANED UP! 

Alleged amount due : {$490.00} Payment Status-Collection/Chargeoff Account Status-Derogatory Amount Past Due-Not Reported Account Details Original Lender : 01 COMENITY BANK Account Type-Not Reported Responsibility-Individual Age Of Account-2 Years, 0 Months Credit Limit-Not Reported Highest Balance/ {$550.00} Payment Details : Amount Past Due-Not Reported Date of Last Payment-Not Reported Monthly Payment-Not Provided Payment Frequency-Not Reported
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I wrote all XXXX credit bureaus a certified letter requesting that Exeter Finance validate the detaila on my credit files. I requested validation of the debit showing that this was in fact my debit and the payments youre showing but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file XXXX in the amount of {$0.00}, but shows as a repossession. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from Exeter Finance LLC regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? Furthermore, I recently checked my credit report and I'm showing error the payment history. One report is updating that im actively It's making monthly payments, one shows the last payment made was XX/XX/XXXX but shows the car was reposessed in XXXX of XXXX. I have not made any of these payments. Please provide the transaction numbers, dates, amounts and method of payment that you are reporting to my credit file. I have attached a copy of the credit files as well. If this can not be provided im requesting I am removed from your system and the file be removed from all XXXX creidit bureaus. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago. This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court. Previous response : XXXX XXXX, 2016 Re : XXXX XXXX XXXX CFPB Case : XXXX XXXX Ref # : XXXX OC Account # ending : XXXX XXXX XXXX : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number XXXX and have reviewed your complaint and discussed this with our servicing attorney as well as XXXX XXXX XXXX. Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the XXXX XXXX account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. XXXX XXXX , XXXX is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting XXXX XXXX to obtain the information used to open the credit card, XXXX XXXX , XXXX has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted XXXX XXXX XXXX XXXX to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that XXXX XXXX remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing XXXX XXXX , XXXX a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by XXXX XXXX XXXX The inquiry was initiated without my authorization, and it has negatively impacted my XXXXredit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX My Social XXXX XXXX XXXX My Address at the Time of Inquiry : XXXXXXXX XXXX XXXXXXXX XXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX XXXXXXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized account from my credit report due to a recent data breach that compromised my personal information. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account blocked and deleted from my credit report. 
Unauthorized Account 1. XXXX XXXX  - Account # XXXX - Opened : XX/XX/year> - Balance : {$0.00}
Product: Debt collection

Someone opened an XXXX & XXXX cell phone as count using my identity. They somehow ran up a {$3500.00} bill and it is now appearing on my credit report. I disputed the account through the credit bureau and it was removed initially. It showed up again on XX/XX/XXXX. I filed another dispute that was denied. I called the collector to dispute the account, who then advised me to call XXXX XXXX XXXX. I called XXXX XXXX XXXX, was transferred around their call centers until I was finally on hold and a message indicated I couldnt be helped over the phone, but I could visit a website they offered to dispute the account. The website had a link to XXXX, the credit Bureau I initially disputed the account with.