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

I had a mortgage processing for myself, and I found out by that time on XX/XX/XXXX that I have several hard inquires on my report, after carefully investigate these items, I realized that my information has been stollen and went to wrong hands. 
So here I am : It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

I '' M NOT USING ANY THISR PARTY FOR THIS COMPLAINT, I'm representing myself, by myself. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
THESE ARE NOT MINE AND BEEN PLACED ON MY REPORT BY FRAUD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My position is being clearly stated, items do not belong to me, meaning that you are reporting inaccurate information within my credit file. 

YOU are reporting the INQUIRIES that are the result of the fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, they are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
I'm including here FTC REPOERT, SSN card, Proof of Address and copy of my Driver Lisence.
Product: Money transfer, virtual currency, or money service

I was recently scammed during a real estate closing process in which the scammer XXXX the seller agent 's email then provided me with fradulent wire instructions. I sent around {$750000.00} wire in total from my bank accounts ( XXXX, XXXX XXXX, and XXXX XXXX XXXX  ) to a scammer 's account at Truist Bank. FBI has confirmed that the money is gone. However, after calling the Truist Bank 's customer service, I found out that the recipient 's name I had for the wires did not match with the scam account holder 's name at Truist. More specifically, I sent the wires to " XXXX XXXX XXXX, '' but the account holder 's name at Truist is " XXXX XXXX XXXX XXXX XXXX. '' Despite this mismatch, the banks involved still processed the wires due to their negligence. Therefore, I would like to start a claim against the banks involved in the wire transaction. 

Now I have contacted the customer service departments at all of the banks, but they said they were only able to send out a recall request without any promise or timeline. FBI and local police department have also just updated me yesterday and said the money is gone. I would like to resolve this problem before seeking additional legal assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has a charge card listed on my credit report that is fraudulent. I did open the account but when I was out of town somehow someone got access to the account and bought a bunch of things off of XXXX.
Product: Credit reporting or other personal consumer reports

First of all, i've been experiancing inaccuracies on my experian and XXXX XXXX XXXX..Experian is not following the guildlines from the fair credit reporting act ... Experian is allowing a late payment on my report due to regions bank errors and regions not followering procedures under the fair credit reporting acts... IT STIPULATE, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD OR A LINE OF CREDIT AS LATE FOR ANY PURPOSE, UNLESS THE CREDITOR, WHICH IS REGIONS BANK MAILED OUT TO CUSTOMER PROOF THAT THEY MAILED A LETTER OR STATEMENT 21 DAYS BEFORE THE PAYMENT WAS DUE, .. ( SECTION 1637 ( B ) 15 US CODE 1666B..THIS BANK AND EXPERIAN IS BLATANTLY IGNORING THESE LAWS... I'VE EMAILED DOCUMENTATION TO SHOW THAT I WAS A VICTIM OF IDENITY THEFT WHICH STARTED THIS FIASCO, XXXX XXXX SAID IN 1 OF THEIR RESPONSE, THAT I WAS NOT A VICTIM OF IDENITY THEFT NOR WERE THEY AWARE OF XXXX AND XXXX FRAUDULENTLY TOOK {$590.00} FROM MY CHECKING ACCOUNT ... THEY LIED ... .I EMAILED THE POLICE REPORT AND DOCUMENTATION TO PROVE THAT THIS IS WHAT TOOK PLACE AND THIS IS WHY MY LINE OF CREDIT WAS LATE BECAUSE THE BANK TELLER DID NOT ATTACHED MY LINE OF CREDIT TO MY NEW ACCOUNT AFTER THE FRAUD TOOK PLACE AT XXXX XXXX AGAIN ... IM PROVING THAT THS BANK OR WHOEVER IS RESPONDING TO MY CLAIMS ARE NOT REPUTABLE, MY INFORMATION THAT I SENT WILL PROVE THAT...
Product: Credit card

these accounts listed below are fraudulent accounts that I did not authorize and I'm demanding that the accouns be deleted off of my entire credit report indefinity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance {$1900.00} Terms - On record until XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

You didn't have an option for my problem but here it is. XXXX XXXX keeps calling my cell phone from XXXX and XXXX. I do not have a loan with them or know anyone that does. They asked me if I knew somebody named XXXX and I do not. I have asked them not to call and they do it anyway on my pay by the minute phone that is for emergencies.
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. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment had been on my credit report for more than 2 years, I've called and asked for it to be removed to no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

About a year ago I acquired a debt with Fortiva credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with XXXX  XXXX   and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the Fortiva website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month
Product: Mortgage

In XXXX 2016 I paid my Bank of America Credit Card my house payment which gave me a credit balance. I received a late payment letter from Bank of America Mortgage. Then I realized what I had done I called Bank of America Credit Card and they said they would forward the money to the mortgage group. I called the mortgage group to let them know what I done and they said they would put a note on my account. I then get a foreclosure notice for being one month behind because the money had not been forwarded to the mortgage department. I call the mortgage department and advise them again what had happened and again they state a note would be put in my file. I then call Bank of America Credit Card and they tell me it had been forwarded to the mortgage group. I then call the mortgage group and they tell me they did not receive it however they would check into it and get back with me. Then I receive a letter from XXXX XXXX a debt collection agency and they are taking over my loan. Then I get notification that my credit has been adversely affected by a 30 day late report from Bank of America. So called Bank of America about this and they say well it was late and they are not going to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I do not recognize on my credit report. 

XXXX : XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX : -Ally Finance Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX, I have been a customer of US Bank many years with never any late fees. 
Recently [ XXXX the XXXX I mailed my XXXX payment that was due on the XXXX. 
US bank claims the payment was late and is charging interest and late fee. 
The payment was made electronically by my bank, so this is a record they got it on time. 
Please help me resolve this I feel I am being treated unfair. 
Warmest regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
Product: Debt collection

Account in question : XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, then its not even reporting anything for XXXX or XXXX of 2021, then it started back reporting charge off again on XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again.
Product: Mortgage

I emailed asking for the statement on XX/XX/year>XXXX  to verify the amount given to me over phone, and I also need verification for the records as Administrator of my husband 's estate to prove I didn't overpay or mismanage the funds. I have received two emails saying I must call them for this information. It would seem to me if they truly want the loan paid off, they should contact me with requested information.
Product: Credit reporting or other personal consumer reports

Inaccurate credit reporting. My student loans were in deferment with Nelnet and since they took over i have incorrect information reporting that has damaged my credit report. I called and they advised me to call the credit agency. They are reporting inaccurate according to US Code 1681. I will file litigation suit against them if this isn't resolved. I am so sick of inaccurate credit reporting and you allow them. According to them, I was in forebearence. If thats the case why are you reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft WF/XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

I submitted a fraud claim to Navy Federal on XX/XX/2024 for XXXX XXXX XXXX transactions totaling to {$240.00}. They denied my dispute on XX/XX/2024. I was at a total lost on why my fraud dispute was denied, while making the fraud claim even the agent said it was something fishy going on with my account because multiple transactions were denied with the ones that went through. Also, I never send money through XXXX  with my navy federal card. There are only XXXX other XXXX XXXX transactions throughout my whole navy federal account and there are only deposits. I only use XXXX  to send money, NEVER XXXX. The agent even noticed I never use XXXX XXXX to send money. Lastly, I'm just at a lost on words, because with all those clear signs of fraud, my claim was still denied and now I'm out of rent money needed.
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Debt collection

Date : XX/XX/2022 Convergent Outsourcing , Inc . Illegal collection Activity through US Mail Repeated collections letters Debt is over 9 years old.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

During transition from XXXX mortgage servicer to another, my monthly payments were being sent to the original servicer who were in turn forwarding them along to the new servicer. In XXXX of XXXX my payment was made on time, but did not get forwarded to the new servicer until after a XXXX period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX  Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting this XXXX XXXX account inaccurately. 

TransUnion reports XX/XX/XXXX for the date of last activity while XXXX reports the date as being XX/XX/XXXX and XXXX reports the date as being XX/XX/XXXX. 

Also, TransUnion has not legally investigated this account as XX/XX/XXXX is the last reported date. 

XXXX has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

XXXX has clearly illegally re-aged this account. Also, XXXX reports additional positive payment history on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2018 I contacted XXXX and equifax about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor