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

During XXXX, Wells Fargo neglected to renew my Home Owners Insurance. During XXXX, I tried to obtain Homeowners Insurance and was told that Wells Fargo would need to call and renew the insurance. Wells Fargo refused. In XXXX, my lost my condo to a fire and Wells Fargo would not give me a claim # to pay for the hotel that I was forced to live in. I begged for a claim number and was denied. I had been paying my mortgage for XXXX years on the XXXX of each month. I also questioned where my money had gone to if I paid on the XXXX of XX/XX/XXXX. No answer. I have a diary of phone calls to the company. I was not able due to their neglect to pay the mortgage, HOA fees and my hotel room that I was forced to live in for a year. 

I would like Wells Fargo to remove that FS from my credit report since I was able to sell the unit and my unit was never sold at a Sheriff sale. 

I am not allowed to upload the letter sent to my from Wells Fargo mortgage dept
Product: Checking or savings account

On Wednesday XX/XX/2021 I was on XXXX XXXX and inquired about availability. The seller sent me a message on Messenger to inform me that it was available for either pick up or they would ship. I have made many purchases through XXXX and ebay and was informed that payments are handled the same way, the seller gets paid once the buyer receives the item and it is as described. I have never purchased on XXXX marketplace using online payments but have noticed may sellers offering to ship. I paid the seller known as XXXX {$250.00} using my XXXX XXXX XXXX card using the link provided to purchase a Macbook Pro and saw no warning regarding the potential for scams. I also did not worry because of the protection on purchases. Unfortunately the following day my inquiries over shipping and tracking were returned and all traces of the seller have disappeared. I contacted NFCU and was told that since this was a payment to someone on XXXX the payment was not protected and I was out {$250.00}. The transaction was still listed as pending but they refused to assist me or take a report. No where did it state it was transfer to the seller and my receipt from the transaction confirms it was for a Macbook Pro.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.
Product: Checking or savings account

On XX/XX/2018 I spoke with XXXX at XXXX regarding account ending XXXX where I paid {$63.00} to clear up any outstanding balances or fees with Suntrust Bank. I was advised that I would be removed from XXXX XXXX and XXXX XXXX XXXX so that I could either reopen my Suntrust account and/or start a new account with other banks. 
payment Confirmation # XXXX XXXX was also suppose to email me a copy of the receipt after payment but never did so.
Product: Debt collection

I have been on a journey of striving to rebuild my credit and I requested my credit report. There is where I found the debt for XXXX XXXXXXXX XXXX. I reached out to them because I have never been treated at the hospital or used ambulatory services for the hospital in question or ridden the ambulance. When I called to question the company about the debt they made it very clear that this debt was not made by me nor did I sign anything to be treated in there facilities. They said someone else could have given them my information such as, my child or family member and when I did not respond to a letter sent to an address that I havent resided in over a decade. The debt became mine. This is absolutely against the law. Please help!
Product: Credit card or prepaid card

Back in XX/XX/XXXX I contacted the credit card company and asked what options were available to me. I have had this account for 8 years and have never paid late. I explained that my husband and I are going through financial hardship. I asked if there was any way that I can lower my monthly payment per month because I wanted to keep the card and not hurt my credit score. They explained that the two options available were to settle the account with lump sum payments or apply for a payment plan which would mean closing my account and make reduced payments. I had explained once again that I wanted to keep the card open and was able to make the larger payments but with my husband not working it would become more difficult. I also questioned if they had the option to reduce the interest rate given that I was a good long time customer. They stated no, they no longer do that. I hung up and thought about it and called back a week or two later and requested to be put through to the department that handles seeing if I would qualify for a reduction in payments. After going through the information I was denied. I explained once again I would have no problem making payments as low as $ XXXX {$150.00} per month but the best they could do is refer me to a credit counseling service ( see attached letter dated XX/XX/XXXX ). I had gone online and found that I could reapply which I did and again was denied. I continued to make two more payments but then called them once again asking if there were any other options. I explained that it is ridiculous that they would not accept a lower payment per month and I was told they could split the payment. I then made the request to close the account because of their inability to work with me. In the meantime I have contacted a few other of my credit card companies and they are working with me so clearly this is just the policy of with Chase. I am extremely disappointed that this was unable to be resolved without damaging my credit further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to Transunion, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a new vehicle, and the auto loan account was with XXXX XXXXXXXX XXXX XXXXXXXX. Each month STELLANTIS has inconsistently caused billing issues for the auto loan account. In XX/XX/XXXX, STELLANTIS took three payments out of my checking account in a two-day period, totaling approximately {$3600.00}. STELLANTIS stated they were unable to refund the two extra payments that were processed without my consent. In XXXX, I made the payment on time. However, 10 days after the payment was due, STELLANTIS called and stated they never received the payment because the checking account used for the payment had insufficient funds ; again, STELLANTIS charged me more fees for this. I ensure STELLANTIS there was sufficient funds and confirmed with my bank holding the checking account. My bank ensure there should be no issues with STELLANTIS processing this payment. 
On XX/XX/XXXX I advised STELLANTIS I was requesting a 20-day payoff amount and would be refinancing the loan with another bank due to the ongoing problems and erroneous fees I was being charged due to STELLANTIS ' inability to properly process and manage the loan account. 
I continued to give STELLANTIS updates on the refinance process to the best of my ability but the phone would be disconnected or no response during calls. STELLANTIS was unable to transfer me to Supervisors, unable to provide confirmation or reference numbers. On XX/XX/XXXX I spoke to staff at STELLANTIS the payoff check was mailed with a tracking number and signature required at delivery. On XX/XX/XXXX I received a letter from STELLANTIS saying " NOTICE OF RIGHT TO CURE DEFAULT ''. On XX/XX/XXXX I called STELLANTIS and again asked if the Payoff check had been received and processed by their company ; STELLANTIS advised the check had not been received by them. After confirming with the post office via tracking number and signature by STELLANTIS, I again provided STELLANTIS with the proof that the check had been delivered and signed for. 
STELLANTIS finally located the check and cashed the check. However, upon my XX/XX/XXXX phone call with STELLANTIS is now charging me additional fees citing the check was cashed after the 20-day payoff date. I argue I am not responsible for these additional fees because the check was sent to them within the proper timeframe. I argue STELLANTIS delayed in timely processing this account ( likely due to their office being closed for the XXXX of XXXX holiday ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a XXXX XXXX  XXXX Potentially Negative Account that is being reported on my credit report is reporting an Incorrect/Incomplete Account Number of XXXX. This account was recently disputed for the first time for this specific inaccuracy. The following quoted statement from Experians investation are blunt humongous falsified Lies in plain sight. >> The data furnishers or public record vendors have verified the accuracy of the disputed information. The results summary was sent to you on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 for review<< How its it possible to have received results summary in the above dates if this account was disputed 1-2weeks recently. Those days days clearly dont add up to this specific inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.Carrington Mortgage doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the continued reporting of bankruptcy and associated accounts by EQUIFAX, despite their failure to properly verify the accuracy of this information. EQUIFAX failed to properly investigate and verify the accuracy of the bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EQUIFAX failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements.

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided. 
4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness. 

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to EQUIFAX. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax and XXXX credit score dropped XXXX to XXXX points without proper explanation. The information given on my credit scoring is conflicting information. I disputed my credit report on XX/XX/2022 and Equifax closed the dispute on XX/XX/2022. Wow they really did a thorough investigation in less than 24 hours? I have submitted several complaints about the discrimination and violations in which I have received from Equifax per my credit report. I will be also making another complaint to the FTC. Its time to seek legal actions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX  XXXX XXXX XXXX XXXX -- IDENTITY XXXX XXXX XXXX  XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of 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

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX and Experian regarding the handling of an alleged debt on my credit report. Despite my efforts to dispute the debt and seek verification, both entities continue to report the debt without providing the necessary proof of its validity. 

Details of the Complaint : XXXX XXXX XXXX : Account Number : XXXX Alleged Debt : Medical in nature Date of Dispute Letter : XXXX Violations : Failure to provide verification of the debt within the mandated 30-day period. 
Continuing collection activity without proper validation. 
Possible false representation of the debt. 

Experian : Account Number : XXXX Alleged Debt : XXXX XXXX XXXX, Account Number XXXX Date of Dispute Letter : XXXX Violations : Failure to conduct a reasonable investigation into the dispute. 
Reporting the debt as verified without providing proof of its validity. 
Failure to update information accurately.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX, XXXX, Experian, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT
Product: Debt collection

I was XXXX in XXXX of 2018. The hospital ( admittedly XXXX incorrectly filed the claim. I've contacted the insurance company who has provided me proof in a " Statement of Benefits '' that I do not owe {$37000.00}. The hospital has confirmed that this debt is not valid and that they made an accounting error. This is STILL reflecting on my credit report and the collection agency refuses to acknowledge or communicate with the hospital to remove this from my credit report. The hospital just has to correctly send the bill to the insurance company. I'm attaching the statement of benefits that my insurance company provided me proving that I only was obligated to pay {$250.00}. XXXX sent another collection to XXXX XXXX and XXXX in the amount of {$1500.00}. I paid {$770.00} to settle this debt. I only owed the {$150.00} copay for the XXXX XXXX  visit and the {$250.00} copay for the XXXX stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that I be sent verification via signed documents showing the validity of the XXXX debts listed on my report! Not only have I never received documentation Ive not received a written letter of outcome of investigation by mail as requested for the outcome of each dispute. I have requested these documents or the removal XXXX different occasions yet the documents or completion of dispute letters in writing have been provided. 

Under the fair credit act I have a right to request and receive validation and response within XXXX days it has now been XXXX months I believe my civil liberties have been violated, and Im prepared to go to the attorney general to seek a remedy.
Product: Mortgage

On XXXX XXXX, 2015 I received an email from a XXXX XXXX regarding " renting '' my home that I am currently living in. She said she wanted to know if it was still available? Left her email and phone number for me to contact. Upon contacting her I advised her that my place is not for rent and demanded to know where and who she obtained my personal email, name and phone number from. She said she joined a website called date.capitol and that my property was listed by my mortgage company. My mortgage company is Ocwen and my mortgage is currently current. Two months prior I had been late with my payments, but since then I have brought the account current. I immeditaly contacted Ocwen to find out if they had my account in a foreclosure status because the date.capitol website indicated that they dealt with foreclosed properties?? Of course, they told me that my account was current and that they would never sell my personal information. This is NOT true, how else would this company receive my personal information, email and cell phone. Ocwen has that information is selling homeowner information to fraudulaent websites and companies. I am very concerned about dealing with Ocwen and this person contacting me to inquire on renting my house? Ocwen is giving my personal information as if I 'm getting ready to foreclose and selling my information to fraudulent companies. I need help in investigating this. Again, the lady I spoke with said she joined this website for {$120.00} and was told that the information is inside info coming directly from the lender! In this case OCWEN.
Product: Credit card

Last Year I was XXXX shopping for my family on XXXX, I used XXXX different credit cards. I belive I started XX/XX/2015, I purchased a lot of products, I used my XXXX card, capital One and my XXXX XXXX card. When I got my first bill it said the date then XXXX *my product and amount of the charge.I assumed this was ebays billing method. I did n't think anything of it, I 've never shopped on line before. I had a dispute with a man named XXXX XXXX, so I contacted XXXX over it, and all of a sudden I began getting threats on my XXXX. From this man Very Nasty ... .I did n't know XXXX XXXX being sent my credit card charges from XXXX. So when I desupted, the charge against this man, XXXX locked down all my charges.And I did n't know until my tee shirt man called me and asked me to release his {$180.00} I owed him ... Than I continued to get threats from this man. Thats how I found out who paypal was. I did not have an account with them. So it became a big mess. XXXX then gave this man my real name, address, phone #, business address, and phone # there as well. He threatened to come to my home and it got really bad. I saved his emails, and emailed XXXX as well and saved them in my arcives.Need less to say my computer was hacked and they disappered. I do n't beilive this is legal, and I ca n't imagine them, giving my charges to another company, yet release my personal information..Thank you for your time
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX