23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX-20 Wells Fargo agent XXXX entered me in Cares Act Forbearance Program for months XXXX XXXX XX/XX/2020. XXXX confirmed forbearance months are tacked on to the end of the life of original loan. Confirmed no notation or Ding in credit score. 
Days later I received letter confirming enrollment of forbearance program. 
XXXX-20 spoke with Wells Fargo agent XXXX then to agent XXXX about extending forbearance on months XXXX XXXX and XXXX. XXXX gave me confirmation but also explain forbearance automatically moves forward unless borrower calls to say stop. 
XXXX-20 Wells Fargo agent XXXX from Collections called threatening me with foreclosure, saying I was delinquent on mortgage payments for months XXXX XXXX XX/XX/2020. Agent XXXX said she had no notation of forbearance program XXXX XXXX and XXXX and no details of XXXX XXXX and XXXX extension. She harass me and scared me about foreclosure, delinquency, and bad credit, so fearfully I paid immediately to her on the phone {$4300.00} reflecting XXXX XXXX and XX/XX/ 2020. I am a senior citizen and have never been late on a bill ever. My credit was great and worked all my life for that. I felt abused by this Shakedown and fearful of my life being ruined I paid immediately creating hardship for myself during covid-19 and not being able to work. 

I was legally enrolled XXXX XXXX XX/XX/ 2020 with confirmation letter from Wells Fargo I did not do anything wrong and to be sent to collections was unlawful and mistreatment of the elderly. 

XXXX-20 spoke with Wells Fargo agent XXXX XXXX voicing my unlawful treatment. She said she would file investigation report. 

XXXX-20 called Wells Fargo Executive offices spoke to agent XXXX XXXX told her about my worry and fear of foreclosure and bad credit. Stated I spoke on to agent XXXX XXXX said she would execute investigation report. XXXX said she had no notation of any investigation report. XXXX said my account reflected I was in the forbearance program and she does not know why collections called me. 

XXXX-20 talk to Wells Fargo agent XXXX XXXX to confirm my account reflects XXXX XXXX and XXXX payments that I was unjustly forced to pay and to Lodge complaint of collections harassment. 

XXXX-20 Lodged complaint with XXXX XXXX XXXX in Iowa against Wells Fargo confirmation letter will be included with this complaint. 

XXXX20 Wells Fargo representative XXXX XXXX contacted me saying she had taken over case and received a complaint from XXXX XXXX XXXX. XXXX said sorry I was mistreated, I was not negligent on payments, and yes I was indeed part of XXXX XXXX and XXXX forbearance program. A simple I'm sorry does not compensate for the distress and hardship financially, they put me in by having to pay in a lump sum. 

Wells Fargo Hustling Shakedown on borrowers legally participating in Cares Act Forbearance Program is unacceptable for a borrower of any age, but particularly cruel for the elderly.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back and going. I am not sure of this is a mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently My email PayPal is XXXX XXXX
Product: Debt collection

XXXX XXXX at Nelson, Cruz and Associates ( XXXX ext XXXX ) first called a neighbor of elderly father to contact him since they did not have the phone number. Once on the phone XXXX threatened him and said if he did not settle that day she would take his house. She was trying to locate his son.
Product: Vehicle loan or lease

I am a XXXX XXXXXXXX XXXX  member. I have auto loan with bank of america. they already asked me to submit my XXXX order and already approved and applied XXXX  benefit to my account. But when I apply the auto loan, the interest is still higher than 6 %. I told them to fix it but they said they could not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy.

15 USC 181 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting

inquiry 's from the last 2 years are fraudulent. police report on file buthas been misplace but have older police report? equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Department Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information reported on my credit file, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The information in question is as follows : XXXX XXXX XXXX Account # XXXX Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. 
Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

XXXX. XXXX XXXX XXXX Account # XXXX This collection account is related to an account with the original creditor, [ original creditor 's name ], which has already been removed from my credit report. 
Since the original account no longer exists on my credit file, the related collection account should also be removed. 
Under the Fair Credit Reporting Act ( FCRA ), information on a credit report must be accurate, complete, and verifiable. As the original creditor 's account has been removed, I request that you investigate this collection account and remove it from my credit report. 

This information is inaccurate, unverifiable, and has caused significant harm to my creditworthiness. According to Section 611 of the FCRA, credit reporting agencies are obligated to ensure that all information in a consumers report is accurate and verifiable. Experian has failed to meet this standard, as these accounts were added without proper verification or legal grounds. 

Additionally, Experians continued reporting of this incorrect information constitutes a willful violation of my rights under the FCRA and exposes the company to liability under Section 616 ( civil liability for willful noncompliance ). If this issue is not resolved promptly, I am prepared to pursue legal action under Section 617 ( civil liability for negligent noncompliance ).

As part of this dispute, I am requesting : 1. An immediate investigation into the accuracy and validity of the disputed items 2. A formal deletion of the inaccurate information from my credit report.

3. A written confirmation of the results of your investigation within 30 days, as required by law.

Failure to resolve this matter satisfactorily may result in a lawsuit seeking damages for the harm caused to my credit profile, financial opportunities, and emotional distress. I urge Experian to act in good faith and resolve this matter immediately to avoid unnecessary legal escalation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never recalled being late on any of these accounts. I am 100 % sure that I was never late on any accounts. However, XXXX, Transunion, and XXXX is reporting lates on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and these creditors are reporting inaccurate information and neither of these credit agencies is verifying the accuracy of this incorrect information. 

Also, there is 17 inquiries that is not mine or wasn't authorized by me and I need these inquiries removed from my credit file for this fact. The following inquiries was not authorized by me XXXX XXXX XXXX XXXX XXXX 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: Debt collection

During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.
Product: Vehicle loan or lease

On my credit report from XXXX XXXX said the car was paid off XXXX Then they sold it to a different collector named XXXX XXXX XXXX they said the account says charge off written off XXXX
Product: Credit card

I've completed the minimum spending requirements of my Chase XXXX XXXX card in XX/XX/year>. Until today, however, I still haven't received the 5 free night reward which was promised when I opened the card. I've contacted Chase at least three times and everytime they said they were going to investigate and I was instructed to talk to XXXX. I spoke to XXXX and XXXX confirmed there was no mismatch on their end so I was instructed to talk to Chase instead. As a result, I've been unable to use my free night awards and therefore has missed two ski trips this year.
Product: Credit card or prepaid card

Please see attachments for previous complaint that was closed. I don't believe there was no activity on the card in XXXX. I do believe as you can read my response to the company 's response that in the system that the clerk/cashier XXXX asked me if I wanted to get a RETAIL card only b/c she saw I already had an active AE credit card under my cell XXXX and under a fraudulent email : XXXX. The person who called me from the XXXX XXXX  said she saw my AE VISA so she offered me the Retail Card. That is NOT true. I did not take the care out until later. She was looking at her computer screen and my receipt shows I was approved for a credit card ending in XXXX, not XXXX as she stated in her response. This is fraud and I don't appreciate wasting my time with lies!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY LOANCARE MORTGAGE ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING XXXX  XXXX PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Product: Debt collection

I do not have a signed contract nor any contract with Amerifinancial Solutions. I have never done business with this company. I am not liable for collection from this debt from Amerifinancial Solutions. I am not responsible for this debt with Amerifinancial Solutions. I demand request be in the form of a verified statement by a person with  original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this  matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit by several companies due to Equifax repeatedly placing XXXX XXXX XXXX Bank acct XXXX ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX XXXX They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX XXXX XXXX acknowledge the fraud. XXXX & XXXX have even requested the information be updated in the Equifax system XXXX Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.
Product: Credit card

There were XXXX unauthorized charges on our expired american Express credit card ending in XXXX ( which expired on XX/XX/XXXX ) and the vendor is American Express Gift Card Department and the vendor accepted and approved the expired credit card for total of XXXX charges -on XX/XX/XXXX and XXXX there were XXXX unauthorized gift card charged to our new credit card which American Express credit card Department was transfer the expired credit card charges to our current credit card ending in XXXX and the amount was {$3000.00} ( XX/XX/XXXX ) and {$3400.00} ( XX/XX/XXXX ). American Express gift card and credit card both department was blaming us for the unauthorized charges.which we already took the trouble to change the credit card number to a new number. Nevertheless the old expired card still active and transferred the charges to our new current card without authorization from us. We were forced to pay the charges we did not authorized. Also the card were delivered to an address other than the billing address which is the proof that we did not got the gift cards.
Product: Credit reporting or other personal consumer reports

XXXX incorrectly reported several late payments on my student loan account during the periods my loan was in forbearance. I contacted XXXX and was told to contact the consumer reporting agencies directly. I disputed the incorrect late payments with Transunion and XXXX. I sent them my account history that was received from XXXX which shows the dates of forbearance. However, the dispute results from both companies continues to show multiple inaccurate late payments. They have not resolved my dispute and continue to report incorrect information despite having correct information. They are willfully harming my credit score and ability to obtain credit and fair interest rates.
Product: Debt collection

Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... 



XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ) has put a hard inquiry on my credit 2 times with no consent. XXXX XXXX and XXXX XXXX XXXX Facts 2 is an unknown hard inquiry. XXXX XXXX XXXXXXXX XXXX XXXX XXXX is another unknown hard inquiry. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I now just have to wait to become victims of identify thefts along with XXXX XXXX other Americans for the rest of our lives thanks to Equifax and its XXXX security breach that has been just announced by them as having occurred from XXXX through XXXX of this year. 

In accordance with the recommendations of experts, we have obtained the services of a credit monitoring service and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to " freeze '' our credit reporting with them. The breach is obviously a separate matter entirely but to have to pay a fee to each of these agencies to freeze or unfreeze credit with them on a service consumers can not opt in or out of seems unavoidable and abusive in light of recent events ( a clear UDAAP violation for those of use working in regulated financial institutions XXXX. 

The CFPB needs to also refocus itself to protecting consumers from UNREGULATED participants in our financial services industries such as credit reporting agencies and others that in additional to selling products also maintain private personal information. First and foremost with regards to " protecting '' consumers the CFPB should look to ensure that these unregulated participants are subject to the same level of scrutiny and audits that XXXX and established regulators like the FDIC and XXXX do in some many areas including cybersecurity with regards to banks.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account XXXX : XXXX  # XXXX, Account XXXX : XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Credit reporting or other personal consumer reports

I have disputed these items and have received no information that I requested so that I may have a accurate and fair credit report .The item is XXXX XXXX XXXX the account number is XXXX. This account is XXXX years old.. This account was closed before they ever put it on my report also this is not under the FCRA.

Under 15 Usc 1681 states a accurate credit report should be what I'm in entitled to.
Product: Debt collection

I have been contacted by Diversified Consultants on several occasions in reference to a XXXX bill that they say was not paid. I closed the account and did not owe that amount at the time I closed the account. A Diversified Consultants ' representative has called for months threatening legal action as well as affecting my credit. They have also tried to settle for less but would not remove the negative account that they have reported to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Those were the last dates they reported to the credit bureaus but they reported them several times prior to that as well. I filed a dispute with XXXX XXXX on XX/XX/XXXX and I saw an increase with my credit scores but the negative collections report still appears on my credit history. On XX/XX/XXXX I received a call from a representative from XXXX XXXX XXXX ( XXXX ) who offered a reduced payment of {$210.00} but also said they would still report it to the credit bureaus. I have been dealing with this issue for about a year and I have not been able to get any relief. Any assistance would be greatly appreciated. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX  IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.