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

I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX2018 Account Closed on XX/XX/2018 Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
Product: Money transfer, virtual currency, or money service

My problem is with Coinbase. They have not given me any information on where my 8,000+ in Bitcoin has gone. I went through their process of self ( no ) help. I got my account back open after having them shut it for fear of a possible scam. There is only a little over XXXX there now. When I look up the section on orders I see activity thats is not mine. Some amounts of transactions are over XXXX. I now think they messed it up when I tried to make a transfer when my bank funds were still on hold. I think they mixed up accounts or something. 
I am sure I dont have to explain how poor this company is in solving these kind of issues.
Product: Debt collection

Today on Monday XXXX XXXX I received a motion to enforce judgment against me for garnishing my wages. This is my first time even being notified of a debt. It states the debt was initially XXXX cents but now has a balance due of XXXX. They are threatening to garnish my wages, assets, profits and other non exempt property. I am homeless I technically couch hop and I do not have a job. I have been fired from the place they want to garnish my wages from. 
It states that XXXX XXXX XXXX is the Plaintiff, I've never received any calls or notices from the in regard to the debt that I am aware of. I am also not aware of what this debt could be at all. I'm very worried about them winning in court now.
Product: Credit reporting or other personal consumer reports

AMEX/CBNA, account # XXXX ; Charge Off amount {$910.00} in XXXX and closed XX/XX/year>. In XXXX account # XXXX says Over 120 days past due and doesn't shows closed. Also, in XXXX has different mailing address than XXXX address, also. XXXX does not show the phone number. Nothing in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX, Account # 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
Product: Credit card or prepaid card

On XXXX Experian credit charged my XXXX XXXX card XXXX XXXX I didn't even know I had a account there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report an account on equifax that was removed from XXXX and XXXX. This account is old and over 7 years from first delinquency. Why is this account still on equifax and has not been on XXXX  for over 2 years. It was removed from XXXX in XXXX. I have sent 609 letters to equifax requesting all information including the original contract with my signature. I have 2 accounts with XXXX  the old charge off is the one that needs to be removed.
Product: Debt collection

XXXX  aka American Student Assistance. They have a wage garnishment &amp; have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXXXX -  XXXX  EST   XXXX   XXXX   - 16  calls   XXXX   XXXX  -  46  calls   XXXX   XXXX   XXXX   -  9 calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX son who had a Cap One XXXX XXXX based off my account was scammed. He tried to deposit the same fraudulent check three times -rejected each time. 
I was told he was barred from opening an account at Cap One XXXX! for a kid mistake. Spent hours trying to get a reason. Never got a real response. Wrote to President. No response. Fraud case number XXXX please help
Product: Mortgage

My Name is XXXX XXXX XXXX and I am XXXX years old I have an Apartment in XXXX Florida which I have a mortgage with Nationstar Mortgage Loan Number XXXX. Original Mortgage was with XXXX XXXX XXXX and it was transferred to Nationstar Mortgage. Since it was transferred to Nationstar we receive call all day for late payments since one year. We have called the bank many times to see what the cause of these calls are but they are not sure why our number is in automated system for collection. We spoke to customer service and they told us XXXX 2014 payment is missing which we provided proof of payment still the calls keep coming in at odd hours and disturb over quite time. Its continues harassment for payment which we already paid. I would like CFPB to Investigate this case and help to resolve it as we have been trying for a year with no result. Its understandable if we were not paying the mortgage but we are current on the mortgage and still we get harassed by the bank. Attached is the proof of payment for 12 months more can be provided if requested. But we seriously need help to resolve this as its effecting my health.Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact XXXX My Nephew # XXXX
Product: Mortgage

We applied for the Wells Fargo FHA XXXX in 2014. Our situation changed during the trial period and we were sure to submit all documentation to adjust our modification. Before we accepted and entered into the agreement for the terms of the trial period, I received a package explaining the terms. However, the documentation was not clear on the credit reporting after the trial period. So I called our Wells Fargo home preservation specialist to find out what happens to the credit reporting after the trial period. She explained that during the trial our credit would reflect late payments but once we successfully complete the trial period our credit will be updated to show that we were not late on any payments and that we were under a trial period. After successful completion of the trial our credit was never updated and I have disputed this with the credit bureaus as well has written a letter to Wells Fargo. Someone from the Wells Fargo Executive Resolution Customer Care and XXXX XXXX did contact me but informed me of the opposite. That our credit would be reported on-time moving forward not retroactively. I explained to him that this is not what was communicated to me initially and they I would not have agreed to those terms because I have a career that is effected by my credit. I was unable to resolve this issue with Wells Fargo. Furthermore, they failed to provide clear information on consumer reporting and this has negatively impacted my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information being reported on my credit report by XXXX, XXXX and Transunion. I have disputed this information multiple times with the credit reporting agencies, but despite my efforts, the issue has not been resolved. Additionally, I have contacted the company directly requesting verification of the debt, but they have failed to provide the requested documentation or correct the information. 

Here are the details : Disputed Information : The inaccurate information involves an account with XXXX XXXX ; an incorrect balance, wrong account status, incorrect dates of activity. 
Actions Taken : I disputed the information with the three credit reporting agencies on XXXX, XXXX and XXXX, but the agencies have not resolved the issue. I also contacted XXXX XXXX directly to request verification of the debt, including account statements, proof of debt and the original contract, but I have not received all documentation or a satisfactory response. 
Request for Documentation : I specifically asked XXXX, XXXX and Transunion for proof of the debt and supporting documentation, but they have failed to provide any such information. Despite this, the inaccurate information remains on my credit report. 
I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue, as the credit reporting agencies and the company reporting the debt have failed to properly investigate or substantiate the inaccurate information. I believe this is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, XXXX, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX )XXXX XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account numbers ( XXXX, XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute recent inquiries made by XXXX XXXX XXXX on my account with capital one. Despite my efforts, these inquiries have not been removed from your platform, causing me significant concern and inconvenience. 

On [ date ], I became aware of unauthorized inquiries from XXXX XXXX XXXX  on my account. Upon investigating, I discovered that these inquiries were not initiated by me nor were they authorized by capital one. I promptly contacted capital onecustomer service department to address this issue, but unfortunately, the inquiries remain on my account. 

I believe these inquiries are inaccurate and unjustified, as I have not engaged in any activity that would warrant such inquiries. Moreover, the presence of these inquiries on my account could potentially harm my credit score and financial reputation. 

Therefore, I am formally requesting that XXXX Bank take immediate action to remove the unauthorized XXXX XXXX XXXX inquiries from my account. I have enclosed copies of relevant documentation, including proof of identity and account ownership, to support my claim. 

Additionally, I would appreciate regular updates on the status of my dispute and a resolution within a reasonable timeframe. 

Please acknowledge receipt of this letter and provide information on the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 



Remember to include any relevant account details or reference numbers when sending the letter. Additionally, sending the letter via certified mail with a return receipt requested can help ensure it is received and acted upon promptly.
Product: Mortgage

I have a mortgage with AmeriSave on my primary residence in XXXX and make payments into an escrow account held by AmeriSave to pay my taxes. 
On or about XX/XX/XXXX, I received a letter from the Town of XXXX stating that AmeriSave had not paid my XX/XX/XXXX taxes due XX/XX/XXXX. I immediately contacted AmeriSave customer service who directed me to send an email to their Research Department with all relevant information, which I did on Friday XX/XX/XXXX. 
I did not receive a response from AmeriSave until XX/XX/XXXX, when XXXX XXXX notified me that she had initiated research into this issue. I responded to XXXX XXXX highlighting that the Towns letter indicated that payment was due by XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that AmeriSave was working diligently on the issue and that she would continue to provide updates as the matter reaches resolution. 
It has been a month since XXXX XXXX last correspondence, I have contacted both XXXX XXXX as well as AmeriSave Customer Service. Customer Service stated they would again escalate the issue and a supervisor would contact me within 48 hours. I have not received any further communication from anyone at XXXX. 
In speaking with the Town, they have advised me if AmeriSave does not pay the past due taxes by XX/XX/XXXX then Massachusetts law requires the Town to place a notice in the paper followed by recording a tax lien with the Registry of Deeds. This will cause me both legal and reputational harm
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a matter involving XXXX XXXX regarding an outstanding debt that they are attempting to collect from me. I have previously requested documentation pertaining to the purchasing agreement associated with this debt, specifically a copy of the original agreement, but have not received any response or the requested documentation. 

I contacted XXXX XXXX via phone to request a copy of the purchasing agreement letter, as I believe it is my right to verify the legitimacy of the debt being claimed. Despite my efforts, I have not received any correspondence or documentation from them. I have also contacted the credit bureau to verify this account is mine This lack of response not only raises concerns about the validity of the debt but also appears to be a violation of my rights under the Fair Debt Collection Practices Act. I kindly ask the CFPB to investigate this matter and assist in resolving it. 


Thank you for your attention to this matter. I look forward to your prompt response
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 XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account 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.

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

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$1300.00} ; XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate 30-day late payment report.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

When I moved in a renter to my home I asked that all correspondence go to my new address except the mortgage payment. They were sending the notice that Wells Fargo was paying the taxes unbeknownst to me. The renter was to be paying the taxes, and was lying about paying it. 
Also that it was always late, and there were multiple late fees which went against my credit. The bank was dealing with the renter, not me. 
When I went to sell it I didnt realize on the 2nd mortgage there were additional monies owed, and the realtor said it was up to me to know. I ended up having to pay {$12000.00} to the buyer because I was never notified that Wells Fargo was paying the taxes.
Product: Credit card

XX/XX/year> my wallet was stolen and my card was used without my authorization for the amount of {$2200.00} my wallet was found in an alley way and someone returned it to me I disputed the charge made on my account and Citibank said I was responsible for the charges I told them I never made the charges that my wallet was stolen they opened a fraudulent charges complaint and issued a new card then they decided I was responsible for the charges I never made they allowed an unauthorized person to make an {$2200.00} purchase with my card
Product: Checking or savings account

I was to receive remediation checks from Wells Fargo and they were sent to an old address I no longer reside at. I know they were sent because I saw many opened letters from them with the amount that was to be on the check calling them remediation checks but there was no check. My little brother that lives at the property carelessly went through my mail but never cashed any of the checks. I tried asking customer service if they can be resent but they said they cant help me because I dont have the old account number. That they cant look it up. I just want my checks re sent to current address. I have no idea what else I could do. I looked up unclaimed property through the ca.gov site and they didnt report it to them. I could give my information and the address the checks were sent to in a secured message .Please call or email me back with the next steps needed to claim my money please. - thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
Product: Vehicle loan or lease

Late XX/XX/2022, I called Wells Fargo about my Car payment being late. I explained I had XXXX XXXX and would like to workout a plan to get my Car loan current. We came to a conclusion that worked. After my loan came current, the lates wasnt removed as I asked before I went through with agreement. Im covered under the cares act for this accommodation to be met. Ive done everything like switch due date, deferred payment and no releif.
Product: Credit card

A company called The XXXX XXXX has scammed {$3100.00} for time share booking of mine, the said that if i pay {$390.00} x XXXX weeks they will rent it for me and pay me {$1200.00} per week but i have never received nothing. I disputed this through Capital one and they only said that i have to call the merchant, i already did XXXX of times and they never answer.