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

This is a follow up a complaint regarding persistent inaccuracies on my credit report and the numerous unsuccessful attempts I have made to rectify these issues. Despite providing evidence that these accounts were not opened late, they continue to be reported as such. These accounts, which were closed in good standing, are erroneously reported as late.These accounts have been incorrectly marked as charged off, affecting my creditworthiness. Despite this, the inaccuracies remain unresolved. I have also tried to dispute these items directly with the creditors involved, but the issues persist. I kindly request that you could help me investigate this matter thoroughly and facilitate a resolution with the credit reporting agencies and creditors involved. I have attached all relevant documentation, including previous correspondence and supporting evidence, for your review. Thease are the following accounts : XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXX Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Product: Money transfer, virtual currency, or money service

It should be made known. First and foremost, I'm part of a lawsuit against chime which is my checking account. Their data was compromised from what I understand. And because of that, I have tons of fraudulent charges and they refuse to refund them. I have evidence from the FBI, the police and all kinds of stuff but, Will not help me. I've provided documents showing that. These companies have fraudulently charged me along with multiple other documents I have the police involved. Please help me and let 's get this settled be fair. Y'all are my bank. Y'all are supposed to protect me.
Product: Debt collection

I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of New Century Financial Services. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called New Century I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX XXXX XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX XXXX XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.
Product: Credit reporting or other personal consumer reports

Dear Equifax 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 Number : XXXX Please remove it from my credit report. 

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

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I received a statement in the mail of a checking account from Wells Fargo Bank N.A. I did not open this account and will never do business with Wells Fargo. When I called to inquire, they said the account was already closed and would not give me any more information. Then in a bit of heated exchange on the part of the representative XXXX, she claimed this was identity theft. In IDT department takes 45 days for any follow-up. I am skeptical about identity theft because I have a monitoring service and have received no notifications from this. I have in the past received notifications about events that are much smaller than opening up a bank account from the service. 

Furthermore, Wells Fargo 's policy regarding opening up accounts online and their verification system are not good enough. In this world of digital theft, to purely banking business online with no other forms of verification ( mail notice, credit check, etc. ) is as bad as when their predatory bankers were opening up accounts on their own for sales goals. 

In addition, their transparency with issues like this is awful. The bank gives no information for the consumer to draw any conclusion to protect themselves in the future.
Product: Credit reporting or other personal consumer reports

Hello & Greetings! 
My information was sold and bought illegally because I was a victim of the Equifax data breach. 
I want these items Deleted from credit reports effective immediately. 
I am attaching proof that Equifax has admitted that I was infact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Markoff Law LLC added my sister 's {$12000.00} debt to my credit report which resulted in a plummeting credit score. After calling to inquire and to ask for something in writing to confirm it was n't my debt, XXXX, the representative, responded that it was for sure my debt and they have been garnishing my pay check since last year. I had to remind her several times what my name was and what my sister 's name is. She took my information and promised to contact me after doing a further investigation, but that contact was never made.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made an inquiry to an on line company about refinancing my home. I talked to the agent on the phone to get basic information. With out my consent or knowledge a Hard credit inquiry was run which has adversely affected my credit score. This is in error and will stay on my report for 2 yrs. The company used to do the credit report was : Credit Plus, XXXX, MD XXXX XXXX Any help in this matter would be appreciated. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice. 

Sincerely, XXXX XXXX
Product: Mortgage

This company continues to apply my monthly mortgage payment of PITI to just principal. They said if I make 2 payments in a month this wo n't happen, so I 've spaced them out accordingly and it continues to happen. This means I need to babysit it every month and it effects my escrow and my ARM adjustment. Have tried to rectify with the company to no avail. I make my payments online and indicate how the payment should be broken down but they say their system ca n't accomodate. If that is the case, they need to fix their system or not allow online payments or something???? HELP
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXXt 2022 my password was stolen from PayPal credit. I contacted PayPal and filed a resolution immediately. In one hour they investigated it and said that i had always made money transfer to people over a XXXX . Never have i and my account verifies that. They will not help any further. Then with in 3 minutes my credit union was entered and hacked for three transaction for more than {$2400.00}. I had give no one my password or PayPal or my account numbers for my credit union. Synchrony Bank in Florida is the bank which provided the money to transfer funds and now wants me to reimburse them because the PayPal account had no funds in it. Now i might have lost almost {$5000.00} if they take me to court.
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. 

XXXX XXXX Account # XXXX ; XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX ACCOUNT # XXXX, 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 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: Money transfer, virtual currency, or money service

I recently received a XXXX loan and had it deposited into my PayPal account. XXXX PayPal decides as soon as my XXXX draw deposits into my PayPal account PayPal locks my account and is withholding my funds for XXXX  days. This loan has a time limit to be spent unless u will have to repay the loan which I expected to be XXXX percent forgiven. PayPal will give me no explanation as to why my account was closed and why hold my funds. If anyone would take the time and actually look into my account they would see there are no more transaction people would want refunds beings thats why they are holding the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical collection that my insurance stated was never submitted for a claim to be paid. XXXX kindly deleted. Equifax is playing games.
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. 

Accounts : Convergent account XXXX BANK DELAWARE XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX  XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s-2 ( a ) ( 1 ) states 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 or other personal consumer reports

I have tried to resolve this with Experian and they are no help at all. I sent letters since XXXX all proof of delivery certified mail witn USPS.
Product: Mortgage

We had to file a chapter XXXX in XXXX due to unemployment. After filing the chapter XXXX, both my husband and I found steady employment. Since the filing, our mortgage was sold from XXXX to Rushmore Loan Management Services. We received the notification from XXXX about the sale, but never anything from Rushmore. I sent in the first payment to Rushmore, from the information received by XXXX. I never received anything from Rushmore after that payment was made. I ceased payments, and sent a letter requesting to know if they still service my mortgage. No response from Rushmore. XX/XX/XXXX we receive a notification of foreclosure from them. I contacted my attorney for the chapter XXXX, who in turn contacted Rushmore 's attorney. A stipulation was agreed upon and filed XX/XX/XXXX. Since the stipulation, we have been making the monthly payments. On XX/XX/XXXX, we received a notification of default. Rushmore was claiming that no payment had been made since the stipulation. I sent copies of my cancelled checks to my attorney, who forwarded them on to their attorney. Today, XX/XX/XXXX I received notification from my attorney that Rushmore is still claiming that we are in default, after seeing the cancelled checks. They are now looking for an ungodly figure to be paid by Friday, XX/XX/XXXX. XXXX, or they will file the notice of default. They have been strong-arming even though they are in the wrong, just to get more money. I feel this is a very fraudulent act on their part and need to be put out of business. We are not the only ones who have been affected by Rushmore this way. I have attached a copy of the stipulation, XXXX XXXX XXXX   complaints and reviews, the notice of default, and emails from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED THAT A XXXXXXXX XXXX  WAS ADDED BACK ON MY REPORT AFTER BEING REMOVE FOR FRAUDULENT PURPOSES. 





In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I bought this motorcycle new in XXXX  from my local XXXX dealer. The loan was financed by a bank identified on the title as HSBC. I paid the loan off in 6 months. I sold this bike on XXXX and transferred the title to the buyer. The buyer notified me 2 weeks later stating he was unable to license the motorcycle due to not having a signed and notarized lien release from the bank listed on the title. I looked for the lien release but was unable to locate. I looked up the bank listed on the title and contacted them stating my situation and after numerous calls and emails they basically tell me they can not help me because they have no record of my loan because they have purged their records so there is no way can can give me a signed and notarized lien release. Instead they give me a " no interest '' letter which is not signed or notarized by HSBC. I give this to the buyer and he takes it back to motor vehicle dept in Missouri and they tell him this letter will not work because its not signed or notarized. I again notify HSBC by email and again they tell me they can not help because they have no record of my loan.
Product: Credit reporting or other personal consumer reports

Complaint is against XXXX Bank : Customer Service, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Tel : XXXX Loan is paid in full. Received letter from XXXX Bank stating paid in full. Telephone recording states the loan is paid in full. Received released title for vehicle from XXXX Bank. However, XXXX Bank has reported 3 times that the account is delinquent with a remaining balance of {$160.00}. XXXX continues to send statements showing a remaining balance of {$160.00}. These statements are inaccurate. The account is paid in full and XXXX has provided the documentation of such. 

Discovered the delinquent account reporting XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX, he found an internal discrepancy, but found that the loan was paid in full with a XXXX balance. He opened a ticket # XXXX to resolve the discrepancy and correct the delinquent reporting. He stated it would take up to 30 days to resolve. Discovered XX/XX/year> " Delinquent account '' reporting for same loan again on XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX. He also found internal discrepancy, and also found account to be paid in full and that a XXXX XXXX had been entered into the system to " XXXX out '' the account within 60 days, which was approved on XX/XX/year>. All delinquent reporting was to stop and be reversed with all XXXX credit agencies. Received a letter dated XX/XX/year> from XXXX stating that the issue had been resolved and the account had been adjusted to address the payment concern. Discovered XX/XX/year> delinquent account reporting yet again, on XX/XX/year>. 

This has caused my credit score to plummet XXXX points since XXXX. I am a business owner and finance equipment, loan refinancing and new project loans on a regular basis. This has had a negative impact on my personal and professional ability to conduct business. This is without a doubt both fraudulent and malicious credit reporting by XXXX Bank