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

On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with Experian and XXXX  whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. Experian shows this tracking number XXXX being delivered on XX/XX/2020 and XXXX  shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.
Product: Debt collection

For 2 days Ive been contacted repeatedly. Its causing my XXXX to spiral out of control and dont want to XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I have been dealing with this issue for over the past 2 years now. First with XXXX XXXX XXXX XXXX my acct number for my mortg XXXX is XXXX. XXXX XXXX. They claimed I had unpaid payments of well over {$13000.00} and that WELLS FARGO retracked those payments from my XXXX XXXX Acct due to my bank XXXX XXXX, said " either XXXX, or or wrong account number, OR mis applied pymnt. well these accusations are not true. I have contacted not only XXXX XXXX XXXX many times as you will see in your investigations, but also to XXXX that provided me with the docs to show the monies coming out of my acct and never being returned or pd to XXXX. they supplied me with all the tracing numbers and all. I then sent all this to the escalation team at Wells Fargo. They REFUSE TO GIVE ME ANY HELP OR INFORMATION, Stating ..That I am not on the Account or on any account with XXXX I am leaving another email to XXXX XXXX at XXXX re : what XXXX had told me. I need this Resolved as I am trying to sell my home and buy another.. I am seeking a settlement out of court of approx. $ un settled, for the Partial Claim I had to sign to keep my home but for all the hour 's I missed from work and hours and years spent to get this resolved. I just got off the phone with the Supervisor from ells Fargo Escalation Dept ( XXXX XXXX and he still would not help me stating it is XXXX or XXXX  fault. THIS HAS NOT BEEN RESOLVED THEY SAY ..IT HAS AND IT HAS NOT THEY HAVE ALL MY DOCS TRACING NUMBERS BANK STMNTS.. THE GAL ON THE CASE IS XXXX AND HER BOSS XXXX... THEY HAVE NOT EVEN GOTTEN BACK TO LOAN CARE EITHER!!! Please help me with this. Thank you, XXXX XXXX
Product: Debt collection

Newman, Hesse & Associates garnished my wages in XX/XX/XXXX while working at XXXX XXXX for {$2000.00}. Upon completion of payments I was sent a Release Of Garnishment, evidenced in the upload.

Today XX/XX/XXXX I received a letter of garnishment for the exact same case number that was paid in XX/XX/XXXX as evidenced via the upload.
Product: Checking or savings account

My account was overdrawn {$330.00} on XX/XX/2024. I had opt-out of overdraft protection to prevent this from happening. There was also a dispute I filed regarding the transaction which was denied because the claim 's department claim they never received information that was requested for them from me which I did send by email.
Product: Credit card or prepaid card

Good evening, I have reached out to Avant regarding the outstanding balance and proof of payments. They continue to ignore, even after reaching out to you for assistance. Avant will not closed the card and I have paid the balance. I am incurring interest for a card that I have paid off and it is ruining my credit. Can you please assist me again?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX ( Auto ) 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 am a natural person, a living human being. I have rights under 15 USC 1681. Equifax is governed by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy, and I didn't give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX/DEPT OF ED XXXX XXXX Account Number XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years. 

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: Debt collection

The company has repeatedly called trying to collect on a debt I do not have any recollection of, with, for or otherwise am responsible for. No debts of any kind exist on any credit report, from any of the credit bureaus, under my name.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EMPOWER Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Student loan

Monterey financial loan issue on XX/XX/2021 XXXX XXXX XXXX XXXX contacted me. I was told that I was approved for a loan without knowing how much the loan was for. 
I tried to contact agent and loan company to stop any miscommunication pertaining to a loan that I didn't sign for. 
I do not want a school loan ... especially from any school that engages in deceptive, high pressured, manipulative tactics to recruit students in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


XXXX XXXX XXXX BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) BALANCE : {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX
Product: Debt collection

I opened a Best Buy credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of XXXX XXXX XXXX is trying to extort {$3500.00} as of today and it is no longer a credit card account but account
Product: Credit reporting

Last name reported by XXXX and Transunion is wrong ( missing a letter ) Address reported by Transunion is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit file, I notated that Experian was reporting a bankruptcy on my credit report. I quickly notated down all the account information and requested verification of how they acquired such information as factual. They verified in a letter stating they received such information from a Public Record Vendor. I requested in writing who such vendor was. They first responded through the courts. In response i wrote the Bankruptcy court they claimed to have for the information from. The court responded that they do not communicate with the company ( was sent on letter, please see attached ). I then sent that to Experian and they now claimed they received the information through a third party vendor called XXXX. I then reached out to XXXX and they investigated it and found it not factual and removed it from their record and also sent a letter to Experian multiple times saying it is removed and to remove it ( please see attached ). I also took it upon myself to contact PACER, another third party vendor and they also verified they do not provide any information to Experian. Im filing this complaint and requesting assistance with deletion due to the fact that as soon as Ive been able to show that the agency they are claiming to use, can not verify, they quickly change their story and refuse to provide hard copy proof of their reports. Ive attached some information and files for review. I appreciate your assistance in this important information. Information blacked out is all my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Friday XXXX XXXX XXXX  I receive an email stating that my direct deposit is being reversed because my SoFi account is frozen. This same day I call the number provided and ask why theres a freeze in my account. The only response I was given is that the internal department is investigating the account and all transactions that have occurred in the account & to check back tomorrow. 

Saturday XX/XX/year> I call the same number to inquire about the the frozen account. I receive the same response that the internal team is reviewing the account. I then ask to speak to someone on the internal team and they stated that Im unable to do so. I then ask for a timeframe on the freeze in the account and they werent able to give an estimate. They stated that theyd have a manager contact me later today. No one has contacted me.
Product: Credit reporting or other personal consumer reports

XXXX has not been compliant with the legalities of credit reporting. I am a victim of identity theft. I have submitted documents verifying this fact for years however XXXX continues disregarding the code of law to block all fraudulent items with proof.
Product: Credit reporting or other personal consumer reports

I recently applied for credit and i was denied credit from XXXX. i Understand its a violation of the FCRA to deny someone credit and not discriminate based on personal information submitted. Pursuant 15 usc 1691c, c-2. a financial institute may not have access to an applicant information and may not discriminate based on that information.The company submitted that information to experian and they furnished that info on my credit report.
Product: Credit reporting or other personal consumer reports

his company is reporting 90 days late payment but it states that I was late one time. This account is inaccurate and not verified. The information that's reporting an error is damaging my future and play a part in me getting denied for credit. 

XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$5200.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$11000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX In accordance with The Fair Credit reporting Act this creditor and all three agencies has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose. Late payments should not be reported. 15 USC 1681a ( 2 ) ( i ) - late payment is a transaction and/or an experience, and it MUST BE EXCLUDED. ( I ) Accommodation The term accommodation : The Term " accommodation '' includes an agreement to defer or more payments, modify a loan or contract, or any assistance or relief granted to a consumer who is or was affected by the XXXX  XXXX XXXX ( XXXX ) during the covered period. It is illegal to report a late payment especially when I was never late, I had a card on file for auto pay. I never made a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old hospital bill on my credit report for {$660.00}. It was sold to a debt collector within a few months of the day I went to the hospital because I have never made any payments whatsoever. I have called the hospital & confirmed the date was XX/XX/XXXX. However the debt collector sold it to another debt collector called XXXX XXXX. This collector has purposely & illegally given inaccurate dates saying that the account is only a couple months old & that it was opened in XX/XX/XXXX so that it will be on my report for another 7 years from that date! I have filed an online dispute with experian & waited weeks & the results show nothing has changed after their investigation has been completed. Its still showing that I just opened the account! I have tried to call experian multiple times for 3 days with all the numbers I can possibly find. Theres no option for you to speak to someone on any line whatsoever. The automated system asks for your social & only gives you 2 options every time : buy a report or find out about some sort of fraud. Theres no option for disputes or anything else! I want this problem corrected as it does affect my credit badly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these suspicious items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX the listed items are UNKNOWN to me. you are required to remove/block any accounts or information not later than 4 business days Ive already included this in my previous complaint & I am including it again.,
Product: Checking or savings account

On XX/XX/2021 I received a text saying someone was trying to use my bank card and if it not me reply no. I replied No. moment later I received a call from a Wells Fargo # with name identified the same. He said his name ( dont remember ) and said he was from the fraud department, He asked about this transaction as well as an online line transfer and wire. I said no and was trying to correct the problem for me. I gave him my social and well as bank info. After an hour and 40 min the phone call was lost. I called the bank to try to continue the process and was told they had no record of talking to me. I gained access to my account and saw XXXX was GONE! I filed a claim and receive new bank Accounts. The money was on online transfer from other accounts then wired. I was informed my account was trying to be accessed 5 times was sent 17 different codes and they were going to attempt to get the money back. 
A week later I called to check on the claim and was told I was denied because of the way it happened. I was told there was NOTHING that could be done and after 5 or 10 min of disbelief She finally gave me the bank and transfer # s which are out of state. I filed a police report and went to my local branch and was told to refile the claim and the claim has been sent to the executives. I was very upset and crying in the office. I just hope that the higher up will look foe more to know that I did not with intent wire these funds and the bank was misrepresented. I would just like to be made whole again in my account. I have all the screenshots of that day with the duration of the call and number.
Product: Mortgage

We obtained an equity line from Regions Bank in XXXX, 2016. We were n't given the loan documents prior to signing them and still have not been provided with executed copies. We were told on more than XXXX occasion by the loan officer prior to signing the loan documents that we would not have to pay a {$1500.00} prepayment penalty if we closed the equity line within two years, if the reason for closing the equity line was due to the sale of our home. We recently sold our home. When we ordered the payoff, Regions included the {$1500.00} prepayment penalty in the payoff. We then spoke to the loan officer who confirmed that he told us we would not be responsible for the prepayment penalty if we were closing the equity line due to the sale of our home. He said we should n't be responsible for the fee and would work to get it waived. When we did n't hear back from him, we spoke to the area Vice President. Despite confirming the representations made to us, the area Vice President said Regions refused to waive the fee.