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

I am writing to express my continued frustration and disappointment regarding the delayed removal of fraudulent items from my credit file, despite our previous attempts to rectify this issue. 

The presence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. Despite the assurances provided during our previous communications, I have yet to see any tangible progress in resolving this matter. 

I urge you to prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.
Product: Debt collection

This company continues to report fraudulent information that does not belong to me on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of XXXX XXXX ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

My ssn was stolen a few years back and I have had random accounts like I.C. Systems pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer, making a complaint to due to reporting false claims on the credit report. This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. someone used my personal information to open accounts in my name without my permission. According to US Section 605B consumer reporting agency shall block reporting of any information of a consumer file that the consumer identifies as identity theft. The following accounts are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} I have reached out to these debt collectors and requested information and provided the with identification and request that the following fraudulently obtained accounts be deleted from my credit file.
Product: Money transfer, virtual currency, or money service

A transaction was started wi th Western Union o n  X/XX/2017   .   I paid the extra money so that it could be ready in minutes. A total of {$100.00} was taken out of my bank account. The money never arrived, they contacted me that the transaction was " under review ''. I called the next day to tell them that I needed my money back because I needed the money transfer " in minutes '' as they promised and I had to find another way to transfer the money to my family. They refused stating that I needed to send an ID. I do not feel comfortable sending my government ID via email, and told them that I just want the money placed back into my account where they took it and I did n't understand why my money was on hold if there transaction was no longer required. They refused to give my money back. I feel like they are holding my money as ransom and are trying to obligate me to send a copy of my government ID for a transaction that I no longer need since they are not able to send my money " in minutes '' as they promised. I understand that they must do certain things for security of the customers but I do n't understand why money is being held at ransom if I no longer want to do the transaction and I do not want to send a copy of my ID. I simply wanted the money placed back from they took it. I attempted to call customer service and they manager was very rude.
Product: Mortgage

Good Morning. 
My name is XXXX XXXX. I am writing this letter on behalf of my wife, XXXX XXXX and me. 
PROBLEM : We are filing a complaint against Southwest Funding due to unethical lending practices. Southwest Funding in XXXX, TN provided us with a Pre-Approval Letter for the Buyer of our home and assured us the Buyer could close in less than 30 days. It took over three months to close due to Borrower having credit issues that were not disclosed to us. In addition, we had to sign XXXX extensions for this Borrower and lost the contract on the home my wife and I were purchasing. I am attaching a formal letter of complaint because I have been living in a hotel for over six weeks due to the Swiss Cheese Letter of Approval provided by Southwest Funding. Manger of Southwest Funding is XXXX XXXX 

My cell is XXXX and my email address is XXXXXXXXXXXX ( Please do not post my cell phone or em address on a public forum.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. An account was opened with SYNC Bank/TJ Maxx with his information without his consent X/XX/2017 and a balance of {$1200.00} was established shortly after the account was opened. A formal dispute of this account was mailed, certified return receipt to SYNCB/TJ Maxx X/XX/2017 and was received and signed for. SYNCB never replied to our client concerning the status of the dispute ans as of today a credit report from XXXX shows the fraudulent account with the balance associated is still being reported. A second dispute of this account was sent to SYNCB/TJ Maxx. This is a clear violation of the FCRA and XXXX XXXX 's federal consumer rights.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

During the XXXX pandemic. I was going through a financial hardship. I requested a relief assistant to defer my monthly payments. It was agreed not charge any interet or late fees. Wells Fargo fails to abide by the rules. After three months, I was able to continue making payments regularly. From XX/XX/XXXX up to XX/XX/XXXX I never missed payments. Wells fargo sent my account to collections agency. They said I can't get access to my loan until I bring account to current status. My bank statements shows payments proof and to wells fargo received on time. However, wellsfargo charges me over {$3800.00} for 6 months missed payments. Their information about my account is wrong. I need my refund back from them. They forward my account to collections and to XXXX XXXX as delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1989 SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u.

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Illinois XXXXMY ONLY DATE OF BIRTH IS : Date of Birth : XX/XX/1989 I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within XXXX  days of receiving this dispute letter.

Furthermore, please provide me with written confirmation of the actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute. 

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ).

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am writing in regard to a recent line of credit I established through the XXXX XXXX credit card offered by Barclays at the beginning of XXXX of this year. I applied for this card while booking a fare on the XXXX website and clicking on a banner in the sidebar of their webpage. This took me to a Barclays site where I was able to apply for, and receive, an approval for the card and an initial line of credit. As part of this offer, XXXX rewards points, and a statement credit of {$250.00} were offered after spending {$1000.00} on purchases and paying the {$99.00} annual fee within the first 90 days of having the card. However, a couple weeks later I was reading online about the same XXXX XXXX card, but this one offered XXXX rewards points instead of XXXX. I followed the link to a different section of XXXX website and found the same card and benefits, just with a higher reward offer. 

I next reached out to Barclays about the discrepancy and asked them if they could retroactively apply the offer with the higher point return, but the representative said he was unable to do so and that I should reach out to XXXX. Similarly on XXXX end, they seemed to just talk in circles without acknowledging the inconsistency of what they are presenting. What concerns me about this is the lack of responsibility XXXX is taking in maintaining two vastly different reward incentives on their own website for the exact same card. If you happen upon it through this web page, then lucky you, you get the XXXX points. If you only see the banner while booking a flight, then its only XXXX points in your case. 

I could see if I was on an outside site like XXXX or XXXX, that it might explain the difference in the offers. But to have two different offers on the same site, for the same card, feels like being in a store with the same merchandise and pricing it differently based on the way customers enter the business. After navigating to the XXXX website today, these two offers are still being presented in two different locations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few months ago and realized that there was an account on my credit report that I know was opened fraudulently. According to XXXX, Experian, and XXXX, the XXXX cell phone account was opened XX/XX/XXXX. I also noticed that there was an address on my credit report listed in a different state. I've tried disputing this account multiple times but the credit bureau keeps updating it as accurate based from the information being received from XXXX. This is causing further damage to my credit report. XXXX has not done anything to reach out to me personally to investigate this matter instead they keep damaging my credit.As I look at the account on my credit report, it should have been apparent to XXXX that this was opened fraudulently. The amount showing is {$200.00} owed. For proof that I did not open this account, I am willing to provide a copy of my Georgia driver 's license which reflects the address of the home that I bought in XXXX. I've had the same address since XX/XX/XXXX ( check public records to verify the date of my home purchase ). I have no reason to get a wireless account with XXXX when my wife and I have been with XXXX XXXX  since XXXX with no intention of changing ( I can provide bills dating back to XXXX if needed ). I'm willing to provide whatever proof is necessary to resolve this. I just expect this account to be removed form all 3 bureaus immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form XXXX 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints.

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXX dollars per violation per federal law.

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information.

I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO.

I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX & XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.
Product: Vehicle loan or lease

I PURCHASED A CAR AT AROUND {$16000.00} AND I HAVE BEEN PAYING ON IT FOR 2 YEARS 10 MONTHS AND WHEN I ASKED THEM FOR THE PAYOFF THEY SAY IT IS ROUND {$16000.00}. I ASKED FOR PROOF SEVERAL TIMES AND I GOT NOTHING. I WENT THROUGH XXXX XXXX XXXX GA AND WAS NOT TOLD ABOUT THE AMOUNT OF INTEREST THEY WERE PUTTING ON ME. I MAKE MY PAYMENTS THROUGH EXETER FINANCE. THEY KEEP STATING THAT I ONLY BEEN PAYING ON THE INTEREST FOR ALMOST 3 YEARS. SO I AM PAYING FOR 2 CARS REALLY WITH THE AMOUNT THEY ADDED ON TO MY LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my job in XXXX of XXXX, due to having to care for a sick parent full time. On XX/XX/XXXX, I requested payment assistance/mortgage assistance due to a temporary loss of income. The rep that I spoke with suggested that I apply for mortgage assistance ( call around XX/XX/XXXX ), when I called back a week later to confirm the program another rep advised that I needed to apply for unemployment forbearance. While speaking with the rep I advised of my situation and that I no longer had income. After this conversation I applied for the assistance and sent in all required documentation. Over the course of XXXX I spoke with at least 11 different reps who all advised me of different information regarding the program. I was lied to, misinformed and given false untrue information. After being so frustrated and confused I requested a supervisor on XXXX XXXX, who assured me that my credit would be protected as they were giving me credit suppression due to my situation. ) The supervisor also advised that I did not qualify for the unemployment payment program because I had no income. I feel like I was lied too because the reps knew I didnt have income and still told me to apply ). I called back over the course of the next 3 days XX/XX/XXXX, and XX/XX/XXXX I was given false info. I was advised that the supervisor lied to me!!!! That there was no credit suppression and if did not make a payment my credit would have a negative remark for a late payment! This is ridiculous, the amount of times that I was lied to and was given false info is sickening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX  XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$380.00}
Product: Debt collection

I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XXXX2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Debt collection

This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages.