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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021
Product: Consumer Loan

I had a car loan financed with Wells Fargo Dealer Services acct number : XXXX under the name of XXXX. Vehicle loan was paid in full since XX/XX/2016, they advised I should receive XXXX within 30 days ... it has almost been 150 days!!! I have called them numerous times, all I get is : we have an Issue with your title, let me transfer you to the department that is handling your case??? Until today,, Friday XX/XX/2016, I have not received my XXXX, a letter, a call, an email, or anything on their behalf ... What 's going on??? Every time I call them, they disconnect my call!!! Please help!!!! Thank you!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX {$15000.00} To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

I am writing to express my deep disappointment and frustration regarding the inaccurate reporting of late payments on my credit report. This issue must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681a, Section 602 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ), I demand that you take corrective action without delay. Additionally, under 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written instructions.It is unacceptable that, under 15 U.S.C. 1681, Section 602 ( a ), credit reporting agencies are failing to ensure that the information in credit reports is accurate and fair, thereby violating my right to privacy. The late payments reported on the above account are false and misrepresent the true status of my account.

Furthermore, under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing my account information without my explicit written instructions. I have not authorized such reporting, making this a clear breach of my rights.

Moreover, 15 U.S.C. 1666b mandates that creditors promptly investigate and rectify billing errors, including the incorrect reporting of payments. I have contacted XXXX XXXX about these errors, and they have acknowledged the need for correction. Despite this, the erroneous late payments continue to tarnish my credit report, unjustly affecting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries that I did not made in my profile. 
, late payment that is showing on my report supposed to show how much percent in XXXX.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found the late payments listed on the dates below : XXXX and XXXX are showing I was late in XX/XX/2019 but XXXX was showing that payment to be on time. XXXX is reporting that I was late in XX/XX/2019 but the other 2 bureaus were showing that I was on time in that month. I am not sure how this happened but it is clearly a reporting error. I believe I made my payments to you when I received my statements so my thought is that my statement did not get to me. I would greatly appreciate this issue being corrected. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. XXXX is saying my information doesnt match to the ability to dispute is unavailable while XXXX is saying they cant verify my identity but have breaches in security by sharing my information and allowing ov

er 20 fraudulent inquiries to accumulate on my report. Transunion will not give me access to view or dispute fraudulent activity on my account which is creating a false image of my financial discipline. I have identified the following accounts and inquiries on my credit report that I did not authorize or have knowledge of. I am asking for the credit bureaus to review and update my consumer report immediately. I am completely disheartened that I cant trust credit bureaus or anyone to hold them accountable for unfair practicing on me as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

Unfortunately, is not my loan. Please removed immediately.
Product: Debt collection

I moved to the apartment in XXXX XXXX after 6 months living there water was flooded inside the apartment in 2 rooms i being calling the office for them to come fixed they come and do little vaccum and wipe and left and the water comeback flooded again they dont do nothing about it after end my lease theyre saying they dont renew the lease i move out and they send me a bill saying i own them XXXX for something that wasnt my fault because i was living in the water and mold for 6 months i think theyre do wrong to me
Product: Debt collection

On XX/XX/2020 I wrote a letter to First Source indicating them that account XXXX with XXXX XXXX was due to Fraud. Even though I notify them by mail they still sending me a collection notice. Attached is the collection notice and the date.
Product: Credit reporting or other personal consumer reports

Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
XXXX XXXX reporting agency is still reporting closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts..

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please. 

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
Equifax, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the account XXXX XXXX on my credit report. It has been removed from XXXX  but not transunion or XXXX  even after several disputes. This was a fraudulent account and the company agreed to remove it if I paid it off in years ago but after paying it off at the time of agreement they never did. The amounts and dates reported are incorrect from one report to another. Also this account is over 7 years old. Legally with age and incorrect information it should of already been removed. TRANSUNION  information is as follows, closed on XX/XX/XXXX, last reported XX/XX/XXXX, balance XXXX, opened XX/XX/XXXX, On XXXX it states as follows opened date XXXX XXXX XXXX ) XXXX, balance was XXXX XXXX XXXX, highest balance ( XXXX XXXX, status update XX/XX/XXXX with no day of the month. I have disputed this under fraudulent account, company not sticking to agreement, incorrect dates, incorrect balances, and the age of the account which is the reason XXXX deleted it without incident. I am sure it is also on other reports such as XXXX XXXX, and annual credit report. From what I have read it should have been deleted from all of them by law due to the reasons listed above.
Product: Mortgage

Submitted a short sale package to Shellpoint on XX/XX/XXXX. To date I have not been contacted at all despite being the Authorized third part and my multiple calls to the point of contact. This company does not communicate or keep track of documents, I have literally emailed and faxed documents XXXX of times and each time I call in customer service tells me they are still missing them. It 's like they are working files from XX/XX/XXXX and have not updated their systems and are not following regulation x.
Product: Mortgage

Date : XXXX XXXX, XXXX We request that our servicer, Ocwen Loan Servicing provide a detailed response in writing regarding the questions below. The XXXX and XXXX entered into an agreement dated XXXX XXXX XXXX, which were a Deed of Trust and a Note in the presence of XXXX. Per the Deed of Trust dated XXXX XXXX XXXX, this document was signed and notarized on XXXX XXXX XXXX. The notary was XXXX XXXX XXXX ; notary # XXXX expired on XXXX XXXX XXXX. Both these documents appear that the notary stamped the Note and Deed of Trust at the top right corner which states " we here by certify this is a copy '', it also has initials of the person that stamped the documents. 
First, did the notary from XXXX stamp these documents at the time the XXXX signed these documents? 
Second, if not, please provide the person name that did stamp these documents at the top right corner and initialed them! 
Third, please provide the date when these documents, Note and Deed of trust were stamped at the top right corner of each document which states, " We here by certify this is a copy ''! 
Forth, if not known, please contact XXXX and ask the questions that we are seeking. If this occurs, please ask for this response in writing and please provide us their response ( in writing )!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been challenging the accurate reporting of account for XXXX to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact XXXX has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX In accordance with the Fair Credit Reporting Act all information reported on ones files must be 100 % accurate. 

I have disputed with these agancies multiple times, no resolution. When asked how did they verify, but still reporting the same inaccurate information wrong open dates, no last date of activity, no proof of how they recieved this information. All of this is clear violation of the Faor Credit Reporting Laws, they are not following, This is grounds for removal and should cost monetary penalties per FCRA 1000 $ per violation, 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 this states a consumer reporting agency can not furnish information without my written instructions, this inaccurate information is also reported through a reseller XXXX XXXX My Fico laws that govern this 15 USC 1681 i ( f ) 3, all of this information including Public Records which I have disputed, these companies stated they receieved this information from United States Courts, which I contacted the courts, and there is no court in the land that mails out information or excanged information with any credit bureau, None of these companies furnished any of this information to me. 

XXXX has had a major data breech, and sent letters stating that you would recieve financial compansation for the breech also offered free reporting services, but never removed any of this information or provided documentation as per the law. XXXX and Transuinion have all had data breeches, and no resolutuon only free moniter services, again reporting inaccuarte errors cauing major financail havoc on millions. I expact all this information, public records to be removed at once from my credit files per the law. 

Transunion, reporting to creditwise ; and other secondary companies including transuion the following accounts XXXX  open XXXX no dates no activity no lates but collection XXXX XXXX XXXX XXXX dates back to XXXX, unknown history information XXXX XXXX XXXX no date of last activuty all inaccurate erroneous bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX yet all these accounts are inaccurate, outdates, XXXX XXXX XXXX XXXX XXXX XXXX no open date no pay history XXXX XXXX XXXX no balance no history no date no original balance no staus no terms acceptance now no current balance no original no creditor information XXXX finacial date open XX/XX/XXXX balance XXXX, no pay status balance date XXXX no terms XXXX XXXX balance date XX/XX/XXXX no acct number no dates of last activity XXXX is showing some of the same inaccurate inofrmation despite data breeches, incorrect dates, and no proof of any of this information, XXXX  shows some of this information, however not following the rules.
Product: Debt collection

kept calling my phone, asking me to pay the bill, and refusing to speak to attorney, attorney asked them remove this from my credit and provide her with the necessary party that provided them the information, they refused.
Product: Checking or savings account

I filed and waited nearly 6 months to get my unemployment and then when I did it was detect deposited into my pay pal account where after it was deposited I was able to use some funds to get caught up on bills and back debts due to covid 19 then pay pal froze my account for 180 days for what they say suspicious activity ive sent them all documents needed ive called them they never asked me to verify my transactions or told me what suspicious activity just froze my funds I need that money ive got family to support and with the covid everyone needs whatever help the can get I don't feel that pay pal is doing things according to the law and shutting someone off and freezing there funds in times of need for no reason isn't very justified or legal my next step after this is Congress and legal council and im gon na be taking pay pal to court woth a law suit if this doesn't resolve the issue thanks
Product: Checking or savings account

BOA charged {$35.00} overdraft fees a few times when my funds got low. It was under a stressful time during covid and all of it. I did not have the chance to call to inquire why. I thought as a longtime BOA customer that they would help in some ways, but apparently, they didn't and kept charging the fees.
Product: Mortgage

I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.
Product: Credit reporting or other personal consumer reports

Someone texted me on behalf of XXXX XXXX company that we can give you a limited amount of loan. I told her before doing anything give me the interest rate and the amount of the loan. She told me, we should do the hard check. But I told her no if you want to do the hard check, I don't need this service. All of a sudden, the did it today and sent me the amount of the loan. I asked her why you did it without permission? She told me don't worry your credit will drop a little bit. I want to complain about this subject. I have all the conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
Product: Credit reporting or other personal consumer reports

I always make sure to pay my bills on time. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Debt collection

On XX/XX/XXXX I had funds to pay my mortgage to the Amount of {$1300.00} credited to my shellpoint Account. I requested that these funds be applied to my XXXX mortgage payment. 

I was then informed that the funds to the amount of {$500.00}, had never been placed into the Shellpoint mortgage account for XXXX XXXX XXXX XXXX, MA Loan Number XXXX account. 

I was perplexed as the amount of {$500.00} had been wired in via a wire transfer on XX/XX/2022. The agent I was speaking on the phone was insisting that the monies were not there and were never wired in. On the bank statement from XXXX, and on the wire transfer receipt. It clearly shows the amount had been debited on XX/XX/2022. 

I then went on line and found that there was no record of the {$500.00} USD on the Documents and statements by Shellpoint. After signing off and going back online, the amount magically appeared. 

I then called Shellpoint and demanded that the funds be applied to my the XXXX Mortgage. The Agent on Shellpoint refused to apply the amount and stated it was not my money, when in fact it was wired into the account on my behalf, as witnessed by the Bank Manager at XXXX Bank on XXXX XXXX, XXXX XXXX on my behalf. 

As evidence that what I am saying is really true, I am submitting the PDF generated on XX/XX/2022 showing that there was no XXXX XXXX Dollars deposited on XX/XX/2022 and the subsequent about 20 minutes later on the Same day, after I spoke with their staff showing the XXXX dollars had actually been deposited on my behalf. 

There is no valid reason, as the funds were never returned, and if Shellpoint is not applying the funds and not returning funds this is Fraud. 

I would like you to intervene, and since Shellpoint, which is servicing XXXX XXXX, has already been investigated by the Department of Justice for similar behavior.
Product: Student loan

AES continues to add interest to and capitalize on my student loans so that my original loa. Of XXXX Principal is now over {$11000.00}. How is this legal?!
Product: Credit card or prepaid card

I got a HSBC credit card about 2 months ago.

I have never gotten a bill from then.

I have called HSBC at XXXX several times and only get connected to a Fraud Team Member. 
They said the put a block on the card. 
They always transfer me to a different department, but I am placed on hole never to be answered. 

I always pay my bills on time. 
This company will not send me a bill or let me register online to make payment. 
They will not even give me my total balance.
Product: Checking or savings account

So I've tried accessing my Skylight ONE account but as soon as I try to log in it tells me that my account has an issue and to contact XXXX, which I did more than XXXX times today XX/XX/year>. I have around {$260.00} dollars in that account that I'm trying to withdrawal but I can't because there's an issue with my account.
Product: Payday loan, title loan, or personal loan

I told them I was working with a debt consolidation company, and they still keep on harassing me about the loan I owe at work and at home.
Product: Checking or savings account

I saw in my XXXX credit report that someone had opened a Wells Fargo account in my name. I immediately contacted Wells Fargo directly. They informed me that someone had indeed opened an account in my name. I asked them to close the account and assumed the issues was settled. 

I then received a statement about my open account. I called Wells Fargo again and asked that they close the account. They said they were working on an investigation. 

I then received a letter telling me that they can't close the account because I have a credit block in effect ( which I put into effect because of my issue with Wells Fargo ). They also said that any checks written on the account would be paid but I would be charged fees if there was insufficient funds. 

I called Wells Fargo again and they put me on infinite hold on the phone. At this point, I believe they must have started up their commission program of incentivizing their employees to open fraudulent accounts that they were convicted of previously. 

Can you help?