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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX BANK NA Account Number : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXXXXXX NA Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I had a credit card with CapitalOne. I was paying on time, then around month XXXX or XXXX I started receiving late notifications. I contacted CapitalOne regarding the issue. I was told something about my cycle changed and if I paid before the XXXX the payments were not going towards the current statement balance. I was initially paying between the XXXX and XXXX depending on how I got paid. The account recently closed with a balance of almost {$500.00}. The balance before all the interest and late fees was a little over {$200.00}. I even had the rep to look at all the previous payments, which showed on time payments and the dates payments were made. I pay all of my credit cards around the same time every month and never had an issue with late payments. I was never notified of any changes. I've tried several times to pay what I really owed before all the late fees and interest fees accrued but was denied.
Product: Checking or savings account

I got money request to my paypal account that someone named " XXXX XXXX '' is requesting XXXX XXXX and within the note of the email by the requester there was a phone no. XXXX that if you don't recognize this call us back. When I called them a lady with XXXX accent told me I am being hacked and I need to go to " XXXX  '' website and made me download a software and then wanted me to open up my checking account ; only on the computer and not the app. When I opened it computer screen turned to " window updating '' which spooked me and I started confronting her if you are really from Paypal to which she started to get angry and cutt the line off. I have reported this to both my XXXX XXXX XXXX  and paypal as well. Fortunately no money was taken out of my account as I got spooked right on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters twice in XXXX and once in XXXX and the credit bureaus are refusing to fix the incorrect issues.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX & XXXX Balance : {$95.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}
Product: Payday loan, title loan, or personal loan

I am a single mom struggling to pay bills on a small income and is hard to stretch. I do not know how to make ends meet .It is hard to survive in a society where it is not designed for someone like me to achieve success .I need help and I cant afford to pay the loans back.
Product: Checking or savings account

wells fargo accounting seems to be set up in a deliberate way in order to charge fees to customers. on XX/XX/21 i had an ending balance of a few dollars. on XX/XX/21 i received multiple fees for NOT having money to cover charges that CLEARED on XX/XX/21 AND still had funds in my account. XXXX explanation on XX/XX/21 : those charges were pending and you didnt have the money in the account ; HOWEVER as clearly identified in my acct summary, the money WAS in the account AND the charges already went through! this happens far too often. werent they already sued for this practice?!! so they are continuing a practice they were sued for!
Product: Debt collection

Dear ERC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX andXX/XX/XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX XXXX, I mailed off to " Experian '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I sent XXXX ETH from XXXX to coinbase using the correct wallet identification given to me from coinbase. The transaction has been confirmed on XXXX many times, however, no pending transaction showed up like it should on my account and my XXXX never showed in my wallet. I waited a couple days to see if it would show up eventually to no avail. So I sent a support ticket in, waited 5 days and got no response, so I sent another ticket in. The next day, I got a generic response that did n't help my situation at all but said if I needed help further, I could email them back so I did and have n't received an email back yet. I have sent 5 more support tickets in since and have gotten no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( AM HONDA FIN XXXX Opened date : XX/XX/XXXX Balance {$5700.00} ) The late history shouldn't be showing days late ( XX/XX/XXXX ) because I believe I paid on time. Please adjust the late payments from this account.
Product: Debt collection

I continue to question the companies Verification of the Debt and the company will not supply the accounting or validation of debt. I ask the company to stop reporting the debt to the credit bureaus since XX/XX/2022, the debt is still reporting every month and affecting my ability to obtain credit.
Product: Debt collection

Shellpoint Mortgage Services/NewRez : I pay my mortgage on the first of the month. This is the second time they say the have not received the payment. I'm getting a call a day, even on the weekends about refinancing that I have never requested. When I ask about my payment they say that the mail is running two weeks behind ... ...
Product: Credit reporting or other personal consumer reports

I have been disputing this account since XX/XX/2023 and the Credit Bureau keeps sending it back as verified when in fact it is not verifiable the name and information that is on the contract do not belong to me. I was able to retrieve the contract through the CFPB and the information on the contract is not mine but the bureau and said it was verified which impossible because its not my information. I also was questioning the reporting history and payment status on my credit profile that I pointed out to the bureaus that is in violation because it say the account was sold to collections and charged off but still reporting as open and reporting late payments on my credit report.I mailed out to the bureaus a FTC report and a dispute letter exercising my rights also the contract and a copy of the communication between me and XXXX XXXX and the CFPB which in that communication was XXXX XXXX saying that the credit Bureaus are the ones that put the information on my credit report. 
I mailed them all the documents and requested for them to delete and block the company XXXX XXXX but instead they sent the information back to the company for them to verify again, and I have zero confidence that the company will be honest because they have already violated my consumer rights and verified a unverifiable account even after I provided them a copy of the contract that don't have my information listed on it and I added my FTC report along with supporting documents as well and they said my FTC report is incomplete which is false. XXXX has already deleted the fraudulent account from my profile and I am having a hard time for Equifax and XXXX to follow the law. 
15 Us code 1681c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 days of receipt.

It has been 30 days and you are in violation of this Law because I am a victim of identity theft. 
I also was affected the Equifax Data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on two different ocassions and the first time the bureau stated they did not receive it so I sent another copy on XX/XX/21. I sent letters to each bureau about unauthorized items that appeared on my credit report, I contacted the federal trade commission to file the identity report and mailed a copy of my police report in to them and I have not received a response yet. I feel like I'm being victimized all over again because the bureaus are not trying to help seems like they just want to continue to make money off the negative information. I feel like they dont care if its right or wrong Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX and Equifax data breach and seems to have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my consumer report and noticed several inaccuracies on my account. This account is hurting my ability to obtain checking account it's my understanding that chexsysems investigate this account for me to ensure accuracy. Here is the account XXXX XXXX i am asking you to verify as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts of XXXX, those accounts are paid for an amount od {$18000.00}, my credit score went down instead of foing up why? ( Equifax ) (
Product: Student loan

I was the co-signer for my son. When he became XXXX ( Navient ) did not discharge his loan so I took over the payments ( I was doing this before because of his illness ). BUT here is the main problem/issue ( s ) : the student loan has a variable rate of 11 % and I have ask many times " why my interest rate has NEVER lowered ( with a variable rate ). Since the time when my son had received the loan in 2008, ( this IS really important ) the prime interest rate had bottomed out but his interest rate never was adjusted. I just called Navient and they said " they said they handle loan modifications '' but when it came to questioning why the variable interest rates never decreased they said " there is nothing they could do. '' This is just wrong and I am being taken advantage of Can you PLEASE HELP?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX State of Michigan Child Support 15 U.S.C. 1681 section 602 A. States 1 have the right to privacy.

15 U.S..C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 or any other adverse item of information, other than records of convictions of crimes 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: Credit reporting, credit repair services, or other personal consumer reports

I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. WELLS FARGOXXXX XXXX  XXXX # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
Product: Debt collection

the nature of my complaint is simple, i have 6 items on all 3 of my credit reports from Tenet health,  Central financial control, original debt was from XXXX hospital XXXX XXXX. for reasons i can not answer, my father used my information on these visits in question ( I am A XXXX so we have the same name ) to XXXX  hospital. as a result, these debts belonging to my father, were summarily placed on my credit bureaus. i have made several disputes on these, both with the credit bureaus, and the collection agencies, each time they say the information is valid. i just today learned of your class action settlement with Tenet, I do not know if i can still file a claim, if so i would love to. otherwise, i may have to try filing small claims suit myself. is there anything else you folks can help me with in this matter? i have done everything i know to do, and i have done them several times, to no avail. thank you in advance for your time and consideration. sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX and XXXX, my business received XXXX XXXX XXXX deposited into my checking account that capital one initially sent me a letter stating was closed. The funds was subtracted the negative balance on the account and when i contacted capital one i was informed they were entitled to take the balance owed and the remaining funds were sent back to XXXX XXXX because capital one investigated and determined my business was not a business although i am registered with state. I filed a compaint here with the cfpb and was told the funds were returned. I have been contacting the sba customer service weekly waiting for them to recieve funds. I recently contacted the XXXXXXXX XXXX XXXX  in new york and was informed to contact capital one again because they STILL have not got the return checks. Which leads me to again believe what i stated last year someone in capital one is stealing from my business. This is my last attempt to make sense before litigation.
Product: Debt collection

Debt has been in dispute, has not heard back from company. Debt has been deleted off of  XXXX  of my credit reports. Want them deleted off other  XXXX . They have not provided any information or proof that I owe this debt.
Product: Credit reporting, credit repair services, 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. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX  Account Number:XXXX  Account name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 crimes which antedates the report by more than seven years.
Product: Credit card or prepaid card

Bank of America called me me in early XXXX, I believe around XX/XX/2023 to report fraudulent activity on my card. The man on the phone claimed that someone was trying to ship things to Texas, and I confirmed that I did not make those purchases. He began shutting down my credit card for me. In the next few hours, there continued to be more fraudulent charges made to my account, namely to XXXX, XXXX, XXXX, and XXXX XXXX. In the Bank of America app, I submitted a claim on XX/XX/2023 that these claims were fraudulent. A month later, Bank of America closed the claim, saying that I had in fact made those purchases, though I hadn't. I called Bank of America to re-open the claim on XX/XX/XXXX. I have since called Bank of America about the issue once on XX/XX/XXXX, where the woman on the phone told me that it seems like my chip was used at those sites, which is impossible, as my credit card was with me, and I was at work at the time.
Product: Checking or savings account

XXXX XXXX XXXX Sent money on XX/XX/2020 via paper check in the mail. I was informed it was for a XXXX XXXX job which I had applied for. I also called my bank and the bank the check was from to see if it was legit and it was.
Product: Checking or savings account

XXXX dollars was charged to my account on XX/XX/21 because of a transaction of XXXX dollars was not available in my account. This XXXX dollars was NOT available in my account and I was sent a notification of my card being declined. If my card was declined why am I always charged overdraft fees. I've tried 2 times to tell them to set up my account so that IF there is NO monet in there to not charge me. Wells Fargo has not taken care of this so this is the 3rd time. I feel like they want to charge me.
Product: Mortgage

Hello my family is hit very hard by the Covid and my husband is an auto mechanic and there is no business for several months. This made it hard to pay our mortgage to Specialized Loan Servicing and we fell behind and now they have a foreclosure sale for XX/XX/XXXX. We live here with our XXXX children and have owned the home for 15 years and do not want to lose. When XXXX 's hours were cut we called the lender to ask for help to modify our loan. They ended up offering us a forbearance and they said we could skip the payments and they would add them back in the loan balance and work with us to modify or restructure the loan. The forbearance ended in XXXX XXXX and XXXX wanted us to make the full payment, but my husband was still only getting part time hours. We asked them to work with us and applied for a loan modification. They told us a few months later that we did not qualify. No one could say exactly why, one person said that there was not enough income and someone else said the lender would not allow another modification. We don't know for sure, but we do know that our financial situation is much different than when SLS reviewed us for loan modification. My husband is working full time and got a raise because he specialize in XXXX cars. Also my adult son who lives with us is working full time and helping with the bills. We are making more money and want the chance to be reviewed for homeowner assistance options based on our current income. SLS says sorry it is too late, we will not review for any modification because you can't have one. We don't know why. In XXXX my husband had XXXX and he missed a lot of work during XXXX  but is OK now. We applied for a loan modification at that time and were approved. We make all payments until Covid comes. When they give us the forbearance they explain that it was fine to miss payments that the loan would be modified at the end to fix the late payments. But they have not done that. If they are saying we can't have a second loan modification, why did they tell us they would help us get a new loan modification after the Covid forbearance? If we can't have a second loan modification please give us the information on the owner and investor of loan with their modification guidelines and also the agreement they have to service the loans so we know this is real and true. 

We have enough money to make the mortgage payment or even a higher payment or repayment plan because our finances are much better. But we are behind {$53000.00} because of Covid and SLS is trying to get us to pay this all at once and we can't do that.