23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The following accounts are reporting inaccurate on my credit report XXXX and XXXX. The original source of verification may be unreliable, so I request that Representative ( s ) and or Agent ( s ) of Equifax go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies. See ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX at XXXX ). I hereby demand a Reinvestigations of the disputed information pursuant, but not limited to the FCRA 611 ( 15 U.S.C. 1681i ). A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information.Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. I would additionally like for physical verification of a consumer contract.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

I have received and reviewed a copy of my credit report and I noticed that there are some fraud accounts and unauthorized inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request.
Product: Credit reporting or other personal consumer reports

Please remove/delete the following address from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please UPDATE my address to the following address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following phone # from my credit report : XXXX Please update my phone number to the following XXXX
Product: Debt collection

On XX/XX/XXXX I settled an an account with TRANSWORLD for {$710.00} in the amount of {$350.00} to delete a collection from original creditor XXXX XXXX 
On XX/XX/XXXX I received a new alert for a collection from TRANSWORLD in the amount of {$3200.00} original creditor XXXX 
Neither of these accounts are mine. 
In accordance with the XXXX consumer access this company TRANSWORLD INC does not even have an Illinois License to collect a debt. They have called me numerous of times. Even outside of normal business hours. And have even reported this collection without verifying debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received my notice of disputeXX/XX/XXXX. The dispute was not open until XX/XX/XXXX. By law, they were suppose to open a dispute and notify the creditor within 5 business days of getting my dispute. The dispute was resolved XX/XX/XXXX and I was never notified.  Today is XX/XX/XXXX and I still have not received any notification of the results. My consumer rights have been violated and I will sue if this mater is not resolved immediately. This entire process has caused me tremendous undue emotional and financial distress. An account that is not mine reporting on my credit report and Equifax is giving me the hardest time to remove it. No other credit bureau is reporting this erroneous account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. XXXX XXXX XXXX  has a fraudulent auto loan reporting to my consumer report. They provided me with the original loan contract which has invalid information, the address is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature and did a terrible job.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX  XXXX  XXXX XX/XX/XXXX i never authorized this and XXXX is trying to remove this since they did one on XXXX XXXX XXXXXXXX XX/XX/XXXX and the next one is a error i tried explaining that to transunion and they wont help me the following 8 inquiries was never made by me and i told transunion that its fraudulent and they dot want to help me 1 ) XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

This is XXXX XXXX and i never had an address at this XXXX XXXX XXXX my mother lived there and used my information illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is reporting on my credit report for  XXXX   XXXX   (  a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted  XXXX  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of  Arizona.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section XXXX, states I have the right to privacy, 15 USC 1681 section XXXX section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Product: Checking or savings account

On XX/XX/2023 I made a complaint to Wells Fargo regarding unauthorized transactions made from my account in the amount of {$3400.00} though XXXX. They opened a claim and provided a temporary credit to my account. They are now reversing the refund amount and stating I allowed the unauthorized transactions.
Product: Credit card or prepaid card

I received a letter from Capital One Visa stating my card would be restricted because they did not have an occupation listed. I believed this to be fraudulent, or at least inconsequential, and ignored it. My account was restricted around XX/XX/2020. I spoke to 3 supervisors and none could help me. I am retired, so have no occupation, but no one at Capital One could help me. It is one month and the account is still restricted and may be closed. I do not believe that because I am retired I should have my account closed, which also could negatively affect my excellent credit. I have never missed a payment or had a late payment, have spent tens of thousands of dollars, and no one was willing to correct this supposedly missing information so my account would be available to me. I haven't been able to find the federal law that occasioned this restriction. I think Visa 's " customer service '' was non-existent and unreasonable.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXX  data breach.
Product: Credit reporting or other personal consumer reports

I disputed an unauthorized inquiries on XX/XX/year> by phone and the CRA Transunion failed to investigate/remove unverifiable information, violating FCRA XXXX XXXX. XXXX. They failed to provide proof of authorization ( signed documentation ) and ignored my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Product: Mortgage

My husband and I tried to obtain a loan to consolidate our debt AND also tried to obtain a mortgage loan. However, we were denied for consolidation loan from our credit union accordingly, due to too much debt-to-income ratio. We were also unable to obtain a mortgage loan any higher than {$170000.00} from the XXXX XXXX and no more than {$160000.00} from a XXXX XXXX XXXX loan at an extreme high interest rate because again, too much debt-to-income ratio. We later learned that Wells Fargo Bank made an erroneous credit report to the consumer credit reporting agencies. We had a regular XXXX account with Wells Fargo but they later upgraded our account to a " XXXX XXXX '' and transferred the balance over to the new Signature card and closed out the old regular XXXX account. However, Wells Fargo failed to correctly reflect this change. Instead, they reported both the regular account with the old unpaid balance and the same unpaid balance on the XXXX account to the credit reporting agency. Thus it seems we have XXXX Visa account with equal unpaid balances. This negatively impacted us by lowering our credit rating and higher debt than the actual. When I contacted the Wells Fargo Bank to correct this error, they wrote back stating they saw no erroneous reporting. We contacted Wells Fargo Bank again and spoke with another agent named XXXX XXXX of XXXX of Wells Fargo who correctly identified the error and agreed to update our credit and reflect the closure of the original regular XXXX account. However, my husband and I have already suffered a damage because of their error. We feel the credit reporting agency has failed due diligence as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 card or prepaid card

I see multiple 60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

My minimum payment is {$210.00} which is spread across groups XXXX and XXXX. I have an auto payment set up of {$300.00} which is to be applied to all groups minimums with the extra ( {$84.00} ) being applied to Group H. On top of this auto payment, I pay an additional {$1000.00} every month around the XXXX of every month. This extra payment is to be applied entirely to Group XXXX, which is my highest interest bearing group. This has been set up in my account in XXXX of XXXX. Since this time my auto payments have been misallocated to the incorrect groups causing my account to reflect an amount past due and accruing interest on the incorrect balance. This same issue has accrued twice now with the first time happening in XXXX of XXXX and now the same issue is occurring XXXX XXXX. The fist occurrence was " resolved ' by contacting Nelnet, my service provider, and they adjusted my account to appropriately apply payments. This second issue is currently being " resolved '' by Nelnet as well but since this is the second time I 'm having the same issue within 15 months, I feel it is appropriate to file a formal complaint.
Product: Debt collection

I have a derogatory remark due to an uncashed refund check from XXXX.i ca n't believe that could ever effect my credit. Obsurd
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of an adverse collection on my Transunion credit report as I sought unrelated credit. The item purported to show {$2400.00} due to XXXX XXXX XXXX. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or XXXX XXXX XXXX for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from Transunion that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Mortgage

This company sends me documents with NO LOAN number attached while I've been making payments on MY LOAN and have not missed a payment. 

Why does the company give an acct number of XXXX and I have no idea what that acct is attached to. My principle payments that I pay monthly are being returned. You have a complaint on that and all the documents this fraudulent XXXX continues to say they are fixing the problem and on this end, they are foreclosing on a home that I've owned for decades. 
Also when I try to file a complaint with the local XXXX XXXX, that agency has cut off my ability to file a complaint and has locked me out. In other words, they are supporting the industry of taking people 's homes away. 

attached is the newest statement from SHELLPOINT but where is my loan documents with XXXX that's who my loan is and was with.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written consent
Product: Checking or savings account

I received a promotional offer in the mail from US Bank. The offer was for {$450.00} if you direct deposit {$8000.00} within 90 days. I completed the signup process and asked the customer service agent if there's any foreseeable issues with me receiving this promotion- they did not advise anything at that time. 
I spent my time, money and energy to complete this promotion. Upon completion of the requirements and 90 days I did not receive the funds indicated in the promotion. When attempting to resolve with US Bank they indictated they would not uphold their end of the promotional agreement due to the reason I am already a customer. 

This at minimum false advertising - the onus is on the bank to know who is and isn't a customer and whether they do or do not qualify. Sending customers promotions they don't qualify for is falsely representing their business. I work in sales- if I promote a product to a customer and then once they have completed the requirements I back out due to a factor I did not disclose to them at the beginning, it would result in me losing my job. This should have been disclosed when I asked their customer service team " Am I wasting my time? ". Again, the fact they are sending promotions to customers who don't qualify because of the fact they are customers is dishonest at best, but based on how much time I've now invested into this, it has become a predatory action in my opinion. 
Soliciting me to deposit more of my paycheck with them, knowing full and well they were not going to honor the offer they sent, and being negligent to properly notify me of the fact I did not qualify are predatory banking practices. I would like to file a formal complaint in hopes to help someone else avoid this in the future.
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized accounts on my credit report that resulted from the fraudulent use of my personal information. I have never had any association with these accounts, nor have I benefited from them in any way. Recognizing the seriousness of this matter, I immediately filed a report with the Federal Trade Commission, following the proper steps to address the fraud. However, despite my efforts, these fraudulent items still remain on my credit report. This ongoing issue is extremely frustrating, as I continue to face the consequences of someone else misusing my identity.
Product: Credit reporting or other personal consumer reports

I currently have a Fruad account on my credit report and unauthorized inquiries appearing on my credit report.
Product: Debt collection

Enhanced Recovery Comp at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collections notices in the amount of {$630.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Product: Debt or credit management

XXXX of XXXX  I had 2 disputes I made and nothing did not happen and it keep messing up my credit, which they knew it was frod and keep coming back and 1 stayed..no action was taken cause.its still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these Accounts and I believe they are fraudulent.