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

I am writing to express my deep frustration and dissatisfaction with the repeated failure to correct the late open accounts and remove the public record from my credit report. 

I have provided extensive documentation and evidence supporting the correction of the late open accounts and the removal of the public record, yet they continue to mar my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dispute of Incorrect Personal Information on Credit Reports Dear CFPB Representative, I am writing to formally request your assistance in correcting inaccurate personal information on my credit reports provided by XXXX, Experian, and XXXX. I have reviewed my credit reports and found several errors that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below is a detailed list of the inaccuracies that I have identified : XXXX XXXX XXXX List of Errors : 1. **Incorrect Names : ** - Reported : " XXXX XXXX XXXX XXXX - Correct : My name should only appear as " XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' I AM NOT KNOWN AS ANYTHING ELSE BUT THESE NAMES PLEASE REMOVE Also known as ( XXXX, XXXX XXXX, XXXX ) 1. **Incorrect Employment Information : ** - Reported : " XXXX XXXX XXXX, '' " XXXX '' - Correct : I am currently employed only at " XXXX XXXX XXXX XXXX '' Any other employment information is incorrect. 
2. **Incorrect Addresses : ** - Reported : " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX '' - Correct : My correct address is " XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX There should be no other addresses listed on my credit reports. 

XXXX XXXX XXXX  Applicable Laws : - **15 U.S.C. 1681c ( a ) ( 5 ) : ** No consumer reporting agency may report any incorrect or outdated information on a consumer 's credit report, including incorrect personal information such as names, addresses, and employment details. 
- **15 U.S.C. 1681i ( a ) : ** This section mandates that credit reporting agencies must promptly investigate any disputes regarding inaccurate information and correct or delete any data that is found to be incorrect. 
- **15 U.S.C. 6802 : ** This law states that financial institutions must protect the privacy of personal information and can not share this information with third parties without the consumer 's explicit consent. 

I request that you initiate an immediate investigation into these inaccuracies and ensure that the correct information is reflected on my credit reports across all three bureaus. I am providing this information in compliance with the FCRA and ask for your assistance in ensuring my rights are protected. 

Please provide written confirmation of the corrections made to my credit reports once the investigation is complete. I expect these errors to be resolved promptly, as they have a significant impact on my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary corrections. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX  and Experian and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/2017 {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my Chase card on time. 

However, I noticed that my statement had XXXX ) the wrong home address, as I had moved 100 miles away XXXX ) the wrong balance XXXX ) and the wrong authorized payment I have repeatedly called XXXX about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called racial slurs, and told that I'm a XXXX and a XXXX  by a receptionist at XXXX  ( I'm a straight cisgender man, but that didn't seem to protect me from discrimination ). I've also been told to go back to my country, even though I was born and raised in America. I've had XXXX employees make fun of my name, and told " my dead grandma is irrelevant to XXXX 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within XXXX about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since XXXX fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called XXXX Bank yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from XXXX, '' and when I asked for her office 's mailing address, she hung up on me. 

XXXX has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and XXXX orientation, and has refused to do report accurate information to the credit agencies. XXXX bank needs to be held responsible I have included the XXXX statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in Champaign in XXXX. And finally, I included the announcement of my grandmother 's funeral. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX,2018, XX/XX/ 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Product: Mortgage

This home was sold in XXXX of XXXX.. in XXXX of XXXX while in the process of purchasing a new home we saw that Ocwen was reporting late payments on the account which was incorrect..While they where researching the account someone at Ocwen entered some wrong information into my credit report stating that the account was still open and delinquent!!! Well our new loan was denied and we almost didnt get the loan for the new house ... Well we finally got Ocwen to enter the correct info regarding the loan being closed and sold, but they never removed the delinquent payments on the credit report.. I have submitted several disputes for them to correct this info, but they have not corrected this info yet.. Once again there were never any late or delinquent payments on this account!
Product: Student loan

I received a billing statement for my student loan on XX/XX/XXXX, backdated to XX/XX/XXXX. My borrower account on MOHELA.com indicates that my next payment is due XX/XX/XXXX, which is less than 2 weeks after I received my billing statement. This is the second time I have received a late and backdated billing statement. Also, according to XXXX, my payment due date is XX/XX/XXXX. If this is the case, then my XX/XX/XXXX billing statement would not be untimely. But it's unclear by which date Mohela expects me to pay. 

I mentioned the late/backdated statement to a Mohela representative on the phone, and she informed me that they are in the process of transferring to a new system that should fix the issue of late/backdated statements. It's my understanding that Mohela has been in this process for months. As a borrower, it is frustrating to receive billing statements so close to the apparent due date of my bill, because it doesn't give me enough notice and time to prepare to pay my bill. 

Finally, I set up auto-pay in XXXX so that I would never miss a payment. Mohela auto-debited my account on XXXX XXXX despite my accounting being in administrative forbearance. In addition, despite owing {$0.00} to the administrative forbearance as of XX/XX/XXXX, I received a notification ( before I received the corresponding billing statement ) that my autopay would be debited for the regular monthly payment amount. This is frustrating ; why doesn't autopay reflect the actual amount due? I canceled auto-pay and will submit monthly payments manually until I am confident that I am being billed the correct amount at the correct time.
Product: Student loan

As of this writing I owe {$140000.00} in student loan, which has been handled by several companies who have been historically predatory with the interest rates and their predatory practices of so-called debt relief resolutions that target low-income and vulnerable borrowers, as myself has left me with surprise fees, damaged credit, lost loan records and repayment benefits resulting from loan servicer transfers. These predatory loan servicers are responsible for incorrectly processing my payments and how the payments are allocated to my loan, and overseeing billing and loan payoffs. The payments were processed incorrectly, which has lead to my inability to participate in forgiveness programs and the elaborate increase in interest. The fraudulent and deceptive services aimed at helping students " manage '' their student loan debt has personally increased my student loan debt to 5x of the original amount. The first company that handled my student loan was XXXX, account numbers # XXXX and # XXXX, in XXXX ( {$12000.00}, {$32000.00} and {$76000.00} ) which mishandled my payments and advised me to refinance my loan, the second company was XXXX # XXXX in XXXX ( {$22000.00} ), XXXX  # XXXX in XXXX ( {$100000.00} ) and now Fed Loan # XXXX ( {$140000.00} ).
Product: Mortgage

This shall be the fifth complaint about Freedom Mortgage and frankly I am very tired of their XXXX poor customer service and fake ID 's, not responding to letters sent via US Postage and not following Federal Law now. My first complaint was processed on XX/XX/XXXX and I mentioned about my pump house going out and I had spoken to a few account reps but would get a call back and nothing was documented on my account. Let it also be said this is yet another time Freedom has managed or purchased my loan. So I got a friend to witness all the calls and submitted at least on 20 different occasions my paperwork for loan modification that Freedom denies receiving although I have provided fax transcripts and signatures of people who signed for those documents. Then the people who respnd to these things it is my belief are not actual people or real names since the Post Office is unable to locate these phantom people. Finally they accuse me of not communicating ; which is one thing I have done quite a bit. I just refuse to speak to any robo call and those who say their names are not telling the truth. So fast forward to XX/XX/XXXX ; I received a letter stating I owed XXXX, XXXX USD and that includes the current month. So I sent a check for {$2000.00} to cover XX/XX/XXXX and XX/XX/XXXX payments and so I would be current with mortgage payments minus the late payments. Freedom did not apply the payment as required by Federal Law, and in fact since XX/XX/XXXX 2016 they have not been applying my payments as the law requires. I sent a letter to Freedom and they have said they will look into the matter and also asked to have my account audited for payment accuracy and have yet to hear from them with a exception of they will get back to me. I will add this is the very first letter that I have sent to them out of several complaints that they have actually responded too. As I understand the written law the bank must apply the payment in complete as long as it covers the principle, Interest and escrow and the late charges are to be dealt with separate. So rather than now owing them over 3k like the letters they have sent I should be current minus owing late fees which according to Federal law the last 2 months of late fees and home inspection fees are fraudulent and not legal. So hopefully now before that XXXX XXXX in the White House makes this Organization go away hopefully we can get this corrected. EDIT if you look at the previous replies from Freedom neither were followed through by the company. They say a " Payment Plan '' was offered but in American to have aupdated contract or a contract both parties must agree to the conditions of the contract. This party had zero knowledge nor would I have been able to pay such a high plan. It is explained in detail in the complaint prior to this one. Also please note that Freedom never closed out or responded to the prior complaint which is their way of doing business ; and I do not see it getting any better. I never asked these thieves to buy my loan and this is the exact same thing the FTC fined them for a few years ago.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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've dispute items on my credit with experian on several occasions to advised them that XXXX should be removed as well as XXXX. XXXX keeps selling my information to different collection agency when the loan was settled and paid. The debt is over 8 years old and they keep reporting it as new. As, far as XXXX they have not yet to porivde any proof that i owe that amount of money when i wasn't in the apartment at the time they charge me all those charges and the collection is about 7 yrs old. Experian is really not for the people or investigating the necessary details.
Product: Bank account or service

I was a victim of internet fraud. Instead of depositing a reimbursement for a legitimate outstanding debt the crooks funneled the complete value of the credit card associated with my checking account into my checking account, in XXXX installments, beginning with {$1400.00} that they showed to me as what they had deposited into my account. They screamed as they " realized '' they had overpaid me by {$1000.00}. I agreed to reimburse them the {$1000.00} by XXXX XXXX. Naturally there was a problem with the transfer and I had to do it twice more. They kept showing me the money was still in my checking. Only when all this was done did I check my account and found out what had happened. I immediately phoned Wells Fargo to let them know. 

After filing a claim with lengthy proceedings they bumped me up to a higherup who asked more thorough questions and had me verify that I had not initiated any of the XXXX transfers from the credit card. He sent me an affidavit of online fraud which I filled out and sent in. 

Wells Fargo weaseled out of both claims refusing to acknowledge that this actually was fraud.
Product: Debt collection

I have received multiple phone calls for a debt collection pertaining to someone not related to me in any way, shape, or form. These calls come to my work phone number and I have called repeatedly informing them I am not the debtor in question
Product: Checking or savings account

I've had ongoing issues with Wells Fargo and mismanagement of my Checking and Retirement Savings. This complaint is focused on only one part of my XXXX XXXX XXXX. On XXXX XXXX, I was made aware that my account Email had been hacked and passwords changed. I immediately called Wells Fargo and explained to them what had happened. I disabled and deactivated my Wells Fargo checking, my retirement savings, and my newly received Wells Fargo charge card with XXXX balance. I explained to Wells Fargo, several times, that due to the fact that my account Email had been hacked, that NO communication with Wells Fargo either to or from my account Email, as this would simply be communicating with the Identity thief or thieves. I was given a secret code # by Wells Fargo. When I was ready to reopen accounts, I would call back with my secret code numbers, new Email, and ID verification. 
-- XX/XX/XXXX : I called back to make sure that everything was in place, as requested, and it was verified. 
-- XXXX XXXX : I called back with secret code, new Email, and ID Verification to reopen my accounts, as I had been dealing with identity theft issues. Wells Fargo stated that my accounts were already opened. I said " No Way ''. And I proceeded to check my account balances. My accounts had been drained. And there was also {$1300.00} fraudulent charges on my newly received Wells Fargk charge card which had XXXX balance. 

I was then referred to Wells Fargo Claims dept. In my 62 years of life, I have never experienced a department as useless as Wells Fargo Claims. I was continually teasted as the identity thief. Copies of my ID 's, countless Emails, Phone Calls, and letters, got no results!! Wells Fargo basically refused to help me to get into my accounts, nor would they give me any info on my accounts. But they seemed to have let the identity thief have free access to my accounts.

I was then referred to the Executive Board. At some point, the monies lost during the fraudulent transactions had possibly been replaced, I assume, but then again Wells Fargo would tell me nothing, nor give me any access to my accounts. I went through two Specialists with the Executive Board, and several extensions past their communicated deadlines. 
XXXX XXXX and XXXX were the two Executive Office Case Specialists involved in my case. On XX/XX/XXXX, Wells Fargo finally answered a couple of questions on my account. Again, at some point it looks as if the monies were possibly replenished., but I was told nothing. The monies were possibly replaced in an account in my name which I had no access to, and was under the control of the identity thieves. Apparently, the identity thieves began removing these monies also.
Product: Credit reporting or other personal consumer reports

I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 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 PLEASE HELP GET THEM REMOVED.
Product: Checking or savings account

I have filed XXXX dispute below. They were unauthorized charges but the bank ( XXXXChime ) denied both. I didn't received any paperwork from them. Just on the app saying that the claim were denied. 

XXXX  XXXX on XX/XX/XXXX, {$2700.00} XXXX  XXXX on XX/XX/XXXX, {$2300.00}
Product: Credit card

I had XXXX accounts with Capital one credit card company.I contacted them and requested full payoff balances and on XXXX XXXX 2015 I payed off both accounts in full.I then recieved a XXXX dollar credit from capital one.stating I had over payed on the account.And now I recieve a bill for XXXX when I contacted them they stated they had been a slight mis calculation.Also during the entire time I had the accounts most of the payments made were not credited to the account.Therefor I was paying XXXX the amount owed all of which I have documented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my fourth endeavor i would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.