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

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised that this account that is reporting on my credit profile through XXXX as of XX/XX/2017 from an unknown collection company by the name of Choice Recovery for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in XXXX XXXX or prescriptions. XXXX is breaking the law along with Choice Recovery with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Predatory Lending and illegal repossession I purchased a car from XXXX XXXX XXXX and was financed by XXXX XXXX XXXX on XX/XX/XXXX for {$7100.00} after fees it came to {$7500.00}. The car was damaged in an out accident on XX/XX/XXXX and was towed to XXXX & XXXX wrecker. Since this was during the high of XXXX it was taking longer than usual. On XX/XX/XXXX I continued to make car payment. On XX/XX/XXXX XXXX XXXX XXXX repossessed the car 14 day after I made payment. They sent a letter stating I didn't keep my end of the deal and the care will be sold on XX/XX/XXXX. I called and they were demanding {$1300.00} or {$9000.00} to pay the car off. This was more then I borrowed. The only answer you can get from them is " It's our car we can do what we want. '' Your disconnected when ask for a manager. They changed the amount that I borrowed. Never applied any of the extra payments towards the principal. Illegally repossessed my car that was in good payment status. Sold the car to salvage preventing me from getting a insurance repair or payout. Sent me a contact via email that only prints blacked out. And put a Charge off on my Credit. This company has wronged me and don't even car. Every agency I write to in Georgia they tell them they are protecting their interest. But if Im paying the car not haven't I protected their and my interest? Preventing me from getting a insurance payout or repair is unjustifing me. 


This company has ruined my credit for no reason. Caused me a tremendous amount of stress and pain. Caused me to lose an insurance settlement for no reason. This company is doing this to thousands of people. I found out they settled a class action lawsuit in California for the same thing and now their in Georgia doing the same thing, Please help me. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Purchase from - XXXX XX/XX/XXXX for XX/XX/XXXX flights. 
Purchase price - {$1500.00}. 
Flights cancelled - XX/XX/XXXX due to virus. 
Refund promised by XXXX on - XX/XX/XXXX. 
Date of dispute - XX/XX/XXXX. 
Dispute amount - {$1500.00}. 
Dispute case ID - XXXX. 
Today 's date - XX/XX/XXXX. 

Dispute filed 9 days ago. To date, I have received no response, no follow up. I called the company and they told me it could take up to 4 months to process. 4 months. They failed to respond to internal messages. Finding a way to file the online dispute took days. They only recently implemented an online filing system. But I still had to fax my documents to them. 

I get the virus has slowed things down but Barclays, aside from their severely out of date system is taking advantage of this with ridiculous wait times and lack of response. This has been the worst experience I have ever encountered with a business.
Product: Payday loan, title loan, or personal loan

okay, so i wanted to consolidate my student loans to get one payment because i have like 6 right now. i researched online and came up with a fairly reputable earnest.com. as i was going through the process, they said they must get access to my bank information, username and password in order to process my loan. since i have searched and found it a legit company on many, many reputable websites i decided i would give it to them and then immediately change my password because this is just not normal. as i went through the process, it seemed more and more off so i decided to stop the process and not do business with them. i emailed the company and asked them to stop trying to access my bank account and to remove all my information. they have not. it has been 4 days since and they are still trying to gain access to my bank account. further, i dont believe they should be able to force me to give them my banking credentials. i figured they just wanted to confirm i had one as most financial services companies do but this is beyond that. they clearly have intentions to continue to monitor me whether i am doing business with them or not ... .and i realize that XXXX XXXX XXXX is running the cfpb right now and probably that coward will appluad their efforts to defraud me but maybe you could do something when that coward is finally removed. there is a lot wrong with earnest.com both signing up and after!
Product: Debt collection

I delivered my daughter on XX/XX/XXXX. On that day I switched my medical insurance from an individual plan to my spouse's plan as his dependent. The creditor in this case - XXXX XXXX has I believe billed my previous insurance and failed to bill the new insurance. This was then send to the debt collection agency - XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXSUITE XXXXXXXX MA XXXXREFERENCE :ACCOUNT NO – XXXXCREDITOR : XXXX XXXX ACCOUNT NO – XXXXSERVICE DATE –XX/XX/XXXXAMOUNT DUE – $ XXXXI subsequently called the XXXX XXXX department and spoke to XXXX who says that on checking the bill was paid by the prior insurance and should not have gone to collections but was not able to help me with the collection agency and proposed I call them myself and sort it out. I called XXXX XXXX who said I should call XXXX XXXX and sort it out.Meanwhile I keep getting collection notices from XXXX   XXXX  XXXX XXXX. I fear undue effect on my credit score for no fault of mine.I believe that either XXXX XXXX  failed to bill the right insurance within the right time or the bill was paid as I was made to understand and still went to collections. Kindly help.Thank you.
Product: Consumer Loan

I leased a vehicle in XXXX from XXXX XXXX in XXXX XXXX, California at the full amount of {$29000.00}. My payments were {$450.00}. XXXX a month. In XXXX I decided that I was going to purchase the vehicle because the repair/service department was saying that I was using up my mileage ( line XXXX on original contract of lease ). I met with a dealer who signed me up on a new contract to buy. The new contract dated XXXX now lists the car at a higher price {$32000.00}. This is after it 's used by me since XXXX. They do n't charge interest on a leased vehicle. It 's a rent charge but should n't the car be valued at the XXXX XXXX XXXX not a new vehicle price?
Product: Credit card

I have several credit accounts with Affirm. I sent in my payment for XXXX on XXXX. I sent payments to several of my accounts. They credited my payment for the account that is the problem to one of my other accounts. I contacted them to have them fix this and they told me they couldn't do anything about it and that it was my fault they credited it to the wrong account. Later in XXXX i attempted to make the payment to bring it current and the payment was returned to my bank stating the account was closed. I tried again in XXXX to pay for both XXXX and XXXX payment and once again they were returned stating the account is closed. how am i suppose to pay if they wont accept payment. My XXXX payment went through and the first payment to it in XXXX went through. They have reported this to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: Money transfer, virtual currency, or money service

I have a PayPal Credit account. I have used the account to make purchases that offer special financing/differed payments over 6 month time periods, I have made returns and made payments and there is no logic to how the payments and returns are applied. I have been making payments and somehow accruing interest on my purchases. 
Today I looked at my statement and it said that the minimum due to avoid interest was {$360.00}. However, the only purchase showing to expire in XXXX was for {$62.00}. 
I called twice and was cut off both times. I had tried to call at the end of last year and faced similar issues. Due to the fact that my mother had recently passed away, and some additional personal issues, I didn't call back for some time. 
I have been paying down the account and today I was shocked to see that the balance due to avoid interest was again so high. 
After being on hold for 40 minutes and being disconnected twice, I called back a third time and I asked to be transferred to a representative in the USA. 
Once I was connected to the representative, I was informed that I had an outstanding balance for a promotional purchase from XXXX that had expired and was accruing interest. This amount or line item does not show up anywhere on the statement, just the ambiguous " amount due to avoid interest ''. 
The representative told me that in order to have my payments applied to the older balances, I need to call them and tell them where to allocate the payment amounts. 
This is somewhat fraudulent and extremely misleading to the consumer. 
It is unclear when making purchases that you need to call every time you make a payment or return to have the item applied to the correct charge amount. 
I am very annoyed by these deceptive practices and I do not think that the company is being transparent and open abut these practices.
Product: Vehicle loan or lease

I want to start off by staying I pressured into buying this car from a salemans in XXXX with an interest rate of 23 %. He stated he NEEDED me to buy this car to hit his monthly sales and insisted until I finally gave in. The dealership is called XXXX XXXX in XXXX XXXX. 
I had a baby in XXXX of XXXX and have had some financial burdens with the car since then. I had to get XXXX month 's payment diverted to the back of the loan in XXXX and then again in XXXX due to being on short term XXXX for the delivery. 
I have reached out to Capital One to see about lowering the interest rate to help be able to afford the payment. However, they stated that this is not an option or anything that they do. 
I also can not refinance with a different company due to being so upside down on the vehicle. The vehicle has depreciated XXXX dollars since the purchase XXXX years ago. I just need help lowering the payment since having my baby.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates.
Product: Mortgage

In XXXX I fell behind on my mortgage payments due to divorce, unemployment and health care costs. I was offered forbearance and accepted. I obtained employment and then Covid-19 hit and I was let go. 

I went through the process of loan modification a few times but Wells Fargo always had a reason to cancel and restart. 

In XX/XX/XXXX I was approved and asked my Home Preservation Specialist to assign a notary. I made the appointment and called my specialist to make sure that if I signed these documents on the appointment date, that WF would receive them in time. He responded yes and that once in the notarys hands they would be considered submitted and overnighted to Wells Fargo. After I did not hear from my specialist for a few days, I called him and was told they were not received in time and the process was canceled. This was no fault of mine. Im not sure who was negligent in this delivery of documents but it was not me. 

In XX/XX/XXXX, we completed the process and I was put on a trial payment plan. I made the first payment and the second was due in XXXX. I had to wait to be paid on Friday to call and make the payment via phone with Wells Fargo. When I called on Saturday I got a recording saying they were closed, even though they are listed as open on Saturday. The same on Sunday. On Monday I was told they could not accept my payment because it was the first of XXXX and the process was canceled. 

I immediately started the process again. I sent them my paystubs and and gave my specialist an explanation for the difference in the amount of my wages. When I called back, I was told I was cancelled again for missing documentation and that they could no longer help me. I was placed in Foreclosure. I was then told to contact my state assistance program ( Covid relief ). I contacted the state and they stated that I had to be paid through XX/XX/XXXX and then they could most likely approve me. I then called WF back and spoke to a gentleman. I explained to him that I needed to pay through XXXX and if I had a few days to get the funds from my Retirement Account. He started that I did have time. Sent me the statements for amount owed and told me to call back to pay over the phone. When I received the funds and called WF to pay through XXXX, I was told I was placed in foreclosure and they would not accept a partial payment. They stated I had to pay over {$40000.00} to stop foreclosure. They would not work with me so that I could be approved for state assistance or give me any other options, even though there was not a sale date. 

I have spoken to multiple people in different departments and get different answers each time. 

I have contacted a HUD counselor and after reviewing this information he stated that a trial period is not required per FHA guidelines. Also, per FHA guidelines, there is a 40 year mortgage option. This option was never offered to me by Wells Fargo. 

I am a single mother with XXXX XXXX XXXX and a XXXX XXXX XXXX son. The last few years have been very hard on me. Things are looking better and I am in the position to make my payments. All I want is a chance to do so.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity . 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report shows medical bills under XXXX that have been settled as collections. I was able to get them taken off of XXXX  and XXXX without any problems. There are also account that has missed payments dating back to 2011. I have disputed all of these issues twice with same results. It is also showing My last missed payment was a month ago and it has been 11 months since my last missed payment.
Product: Credit reporting or other personal consumer reports

I have disputed this account multiple times. The account is child support I never volunteered to be a part of this program and was coerced into it. Furthermore the dates on the XXXX credit reports dont match as I have uploaded the proof via screen shots of my credit reports and fico reports. 

Also please note that this account is on my report XXXX. Once as NY XXXX and the second time as child support. XXXX saying the account is open and the other saying the account is closed but has an updated past due amount. Both of them are the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate account off my credit report. TransUnion stated that my account was properly investigated, TransUnion never did a proper INVESTIGATION according the FCRA. And also, how is it possible when the other bureaus investigated the same item and removed them. 
And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX. # XXXX, 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 an account without my written instructions. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX Bankruptcy Court in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And XXXX and Experian refuse to remove it.
Product: Debt collection

XXXX XXXX XXXX c/o XXXX XXXX XXXX # XXXX XXXX, California [ XXXX ] State of California Secretary of State Secretary of State Dr. XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Dear Secretary of State XXXX XXXX XXXX , I, a living woman, am serving you Notice of my standing as a California State National , as I know it is your duty to defend my constitutional guarantees. 

I am exempt from all Municipal duty and service by my exemption found at Title 50, Section 7 ( c ) and ( e ) of the 2012 Edition of the Federal Code. ( Enclosed ) I am not an individual corporation created under Municipal law. 

I am exempt from all Territorial obligations, as I am a Foreign Sovereign as stated on the Mandatory Foreign Sovereign Immunity Notice ( Enclosed ). I claim my exemption under the Supremacy Clause of Article VI of The Constitution of the United States of America and Amendment XI thereof, which provides that no American is subject to foreign law. I am not an individual created under 1USC 8 as a Territorial citizen. 

I have one contract and one contract only with the government officials. If they are MUNICIPAL Employees, the contract is The Constitution of the United States. If they are Territorial Employees, the contract is The Constitution of the United States of America. Article VI is the Supremacy Clause, no other law, statute, code, or regulation stands above the Constitution owed to me as an American and any contrary law is null and void. Amendment 10, the power remains with the States and the people. 
Amendment 11, Americans are not subject to any foreign law. Ever! This includes the statutes of the States of States and the codes of the Federal Subcontractors. 

Therefore, I owe no duty to any Municipal or Territorial court, instead any Municipal or Territorial court has a duty to set me free from any presumption of obligation under any foreign law, and to return to me my assets and my freedom without debt or encumbrance. '' By : XXXX XXXX XXXX @ All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXX and XXXX  XXXX XXXX  these accounts are fraudulent and do not belong to me. please remove off my credit reports
Product: Checking or savings account

On XX/XX/2023, unauthorized charges were charged to my Wells Fargo checking account. I called as soon as I noticed two charges were made of {$700.00} and {$800.00} that same day. I opened the claim with Wells Fargo and waited until XX/XX/2023 to call to see if I would be given a provisional credit while I waited for the dispute, since I had still had no response from Wells Fargo since XX/XX/2023. When I checked while on the call with a representative, I seen my claim was now closed on the Wells Fargo app. I was transferred from one representative, to the one handling my claim where she then decided to tell me that it was closed and to wait 2-5 minutes to give me an explanation why. Her explanation, upwards to 10-15 minutes later, was that it was denied because there was no failed pin attempt on one charge and because the other charge was through XXXX XXXX She said a letter was sent out XX/XX/2023 stating the denied claim, however I wasnt notified XX/XX/2023. I cant get an email stating why it was denied through Wells Fargo.