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

I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have items left that needed to be removed. This is my new letter that I am a victim of mistaken credit reporting and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an inaccurate credit reporting : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

I switched my cell phone service from XXXX & XXXX to XXXX in XXXX of 2021. They did not allow me to switch the service until my bill was paid in full. A few months later I began receiving phone calls from a collection company saying that I owe XXXX XXXX XXXX  XXXX dollars. I have never received any written communication from the collection company nor XXXX & XXXX reference this matter. Only phone calls with no proof of dept owed. They have now reported this dept to the credit bureau. This dept is invalid. I need to have it remove from my credit report please XXXX XXXX The collection company who reported me Credence resource mana  XXXX XXXX XXXX  XXXX XXXX XXXX Texas Reported on XX/XX/2021, This is all the information I have. They have never provided any proof of any money I still owe. They held my phones hostage until I paid my final bill. I dont owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Simple. 
I had a past due account with XXXX XXXX that went to collections in XX/XX/XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Product: Debt collection

Theyve contacted numerous persons of relation and also close friends, in attempt to collect debt on a consumer.
Product: Student loan

NAvient is profiting off consumers in Bankruptcy. Navient locked out both myself the cosigner and my daughter the signer since my spouse and I filed ChapterXXXX in 2015. Navient refused to accept payment requests. Navient has applied capitalized interest in over 30k now that the ChapterXXXX is discharged. My daughter had made payments up until being locked out, she is currently looking for work and on unemployment. My husband is a XXXX military veteran and I'm XXXX. We are using our home equity, our only savings for our elderly years to pay this off since the amount continues to grow at a rate greater than any investment. Navient has refused to reduce the mount. Our attny advised us through out the Bankruptcy that Navient was suppose to work with us but Navient never did.
Product: Debt collection

Continued calls and voice-mails everyday for a debt that does not belong to anyone in my house. I have called them back and told them they have the wrong number many times but they continue to call.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts is being reported inaccurately.
Product: Credit card or prepaid card

This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account. 

Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card. 

Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong. 

They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years. 

I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted. 

I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '. 

Thanks for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir or Madam of CFPB I disputed the referenced accounts XXXX which is XXXX XXXXXXXX XXXX XXXX as of 2018 The credit report of XX/XX/2018 shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have all my proof of documents to hold in court to show it has been removed and Equifax violated the FCRA which is {$1000.00} per each to me from Equifax I will exchange this for a immediately. 

Thank you, Your Name XXXX XXXX
Product: Mortgage

Mr. Cooper continues to be incapable of managing an escrow account. This will be at a minimum the 5th times I have filed a complaint about their mismanagement of my escrow account since XX/XX/XXXX. 

I have been emailing them since XX/XX/XXXX about my increase in real estate tax, and they have REFUSED to correct my escrow withholding to cover this increase. They almost sent me money back which would have shorted it just before the payment was due by more than {$100.00}. 

I again, last week emailed them about the continued error in the escrow analysis, using last years tax amount for the upcoming XX/XX/XXXX payment and they REFUSE to fix it. 

This company has no business staying in business. What will it take for you to shut these crooks down?
Product: Credit reporting or other personal consumer reports

I want to dispute and request the removal of a fraudulent account that is still present on my credit report with your bureau, despite being removed by other credit bureaus. Despite my previous attempts to resolve this matter, the fraudulent account remains on my credit report with your bureau. I have compared reports from multiple bureaus, and it has come to my attention that this fraudulent account is not being reported by others. The discrepancy among the reports raises concerns about the accuracy of my credit information with your bureau. I'd like you to remove the account ASAP : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( XXXX ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and was notified by transition and other credit reporting agencies. For the past few years I have been disputing account that was opened in my name without my permission. I also have several addresses listed that I have repeatedly asked them to remove and they wont. Finally I got tired of begging g hung up on and never getting anything resolved when calling them, that I paid a attorney for a bankruptcy in the amount of XXXX dollars just to get rid of the incorrect information and not even XXXX months later my credit began to go through the same things. XXXX XXXX never placed a freeze or an alert on my credit report. And just last year XXXX told me about a data breach and they use trans union and XXXX still wont help me. Currently there is an address listed in XXXX that Ive never lived at. I really need help as I have exhausted all resources.
Product: Vehicle loan or lease

First I would like to say this company is the worst. My auto loan contract is extremely unethical, and fraudlent with excessive interest rates. At the end of my term I would have paid well over {XXXX for a {XXXX} vehicle. Moving forward, I was involved in a car accident, and my vehicle was deemed a total loss. The claim took several months for my payment. XXXX XXXX was aware of the total lost and received payment from the insurance company, along with a XXXX claim to cover the remaining balance. During the XXXX process, XXXX XXXX charged off my account and now I have a auto loan charge off on my credit report. My XXXX claim has sent in the payment, however XXXX XXXX is still showing a remaining balance of {XXXX}. I have the letters from my insurance company, with proof of payment and my XXXX claim showing the final cost covered for the car. XXXX XXXX has charged an excessive amount of interest and late fees during the XXXX claim. I am unable to purchase another vehicle due to the inconsistency reporting from XXXX XXXX, its affecting my life drastically. I should not owe anything especially if I had a XXXX claim with the insurance payment. XXXX XXXX has not even notified me when my account was charged off.
Product: Debt collection

I received a call from a debt collector and long story short I asked them to send me the detailed bill if I truly owe. I was yelled at and talked over and was told NO. I need to do the research myself and figure it out the agent was rude and overbearing. I asked them until they could send me out a bill to discontinue the calls because its becoming harassment and he said that they would keep calling until I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent accounts that are not mine and they need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I logged into the Transunion website and placed a freeze on my credit because of fraudulent activity I noticed on my one of my credit cards. I called because I was looking for housing for my daughter and I and needed to remove that freeze temporarily. I did not need a pin when I go online but, the online website is not allow you to removes freezes in gives an error message and tell you to call in. I called on XX/XX/2022, the first person I talked to had a authentic accent which made it hard for me to understand she was also vey rude and sarcastic. She claims that I didn't answer the questions properly and when I asked her to repeat the question she would not do so and placed me on hold she told me it was a hassle for her to assist me with this situation. She then placed me on hold and never came back to the phone. I called again they transferred me to a supervisor and I explained that my credit needs to be checked so I can get have a place to stay. I can verify any information they needed. He said they would need to call me back and send me a pin. Well, the other credit centers I never have a problem with just Transunion. I want to file a complaint because of their lack of understanding and knowledge they are treating people unfairly and deal with their customers harshly. I may loose my deposit and my place because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not started my investigation of my disputes sent them back in XX/XX/2019. They are in violation.
Product: Debt collection

On XX/XX/23, I reached out to Midland Credit Manangement, LLC spoke with XXXX XXXX, in the Concern dept @ XXXX asking for an update on my Identity theft account. Midland Credit Manangement had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer. I immediately went to work with all three Credit Bureaus disputing each account. Midland Credit Manangement had XXXX accounts under my name however only XXXX of these fraud accounts were closed. The third account that went to XXXX XXXX  a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC they have told me back on XX/XX/23, that they needed to recall the account from the law firm. I received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet for the third time. Currently XXXX awaiting a refund however Midland Credit Manangement said the law firm owes me & XXXX XXXX stated Midland Credit Manangement owns the account. Please help me get a refund asap of all monies paid out.
Product: Checking or savings account

WELLS FARGO MISCONDUCT : Phone, wallet ( debit card ) stolen out of my vehicle and fraudulently used by thief on XX/XX/year> in XXXX XXXX, CA. Claim of theft disputed with Wells Fargo. Funds stolen via a Wells Fargo debit card. A police report was filed ( XXXX ). Funds reimbursed 2 weeks later by the bank in a sum of {$1300.00}. However, 3 months later, today, Wells Fargo reversed the reimbursements ( {$1300.00} ) with no warning via text, email, phone call. I am XXXX XXXX XXXX and this retracting of funds is affecting my ability to pay other bills. Also, there was no reason given for the reimbursement reversal. 

DETAILS : When confronting the Wells Fargo investigation team with a Wells Fargo agent, they stated I am liable for the funds which were forced on me to pay. On this, I asked the following questions : How had the investigation team determined I was liable for the funds? Had they given me ample warning of the reversals? What methods did they use to conduct the investigation? 

How the team determined I was liable : Said they are not at liberty to provide me with that information. 

Had I been given ample warning : No. only mail was sent regarding the reversal on XX/XX/XXXX. Said they do not email, do not text, and will not call either. I did not receive this mail as of today, XX/XX/year>. 

What methods : Again, refused to elaborate. 

ADDITIONAL : -No purchase history on my account for the 5 years it has been active was ever made in XXXX XXXX , the location the thief made the payments with the stolen card. 

-Wells Fargo Investigation agent was rude and defensive to the account manager who was physically in my presence in the bank disputing the issue on my behalf. 

-Account manager stated this is a recurring pattern of fraudulent investigation misconduct with Wells Fargo . 

-XXXX, the company with other card stolen, reimbursed me the following few days with the police report as sufficient evidence. 

-A few transactions were declined on suspicion of fraudulent activity, but Wells Fargo approved it. 

-An XXXX transaction was declined as XXXX requires ID for large purchases, something a thief would obviously not use as using it would raise suspicion ( since I am not the thief ). 


-Personal belongings stolen : IPhone, pilots license, drivers license, debit and credit card ( XXXX  ). 

My actions : I am in the process of creating a court case with an attorney at hand. 

Supplemental media is provided relating to my text, in this document. 

Thank You, XXXX XXXX