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

XXXX XXXX is reporting false information that is inaccurate and erroneous to the 3 credit bureaus that is not in compliance with the FCRA. I have never signed or opened an account with them. I have sent multiple letters ( see attached documents ) to XXXX XXXX and the 3 credit bureaus ; however, the investigations and re-investigations continue to come back as verified. XXXX XXXX is not a creditor ; however, they are reporting as if they are to cause maximum harm to a consumer 's credit score by providing informational changes on a monthly basis that pertains to an account status changing from installment debt buyer factoring company - other. In addition, the account shows as other on some reports and collections on another report, and they might change to show open or closed as well for the status of the account. In addition, they are reporting past dues and payment histories as if they are a creditor. Furthermore, under FDCPA 803 ( 4 ) - a party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. XXXX XXXX is not my creditor. I have never opened an account with this collection agency. Please find the information in the attached documents pertaining to my information and their findings.
Product: Credit reporting or other personal consumer reports

After numerous attempts through the years I've requested that Experian, XXXX and XXXX remove these fraudulent names and addresses from my credit report and they refuse to remove, I've been a victim of fraudulent activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Product: Bank account or service

I heard the news that wells fargo banks charges fees on unauthorized opened accounts. Around year 2007, I refinanced my home mortgage and when I was about to signed the papers with the notary person in my home I found out that my refinanced bank for my home mortgage was with wells Fargo bank and I was charged a {$300.00} fee if I do n't signed up for the direct deposit to pay for my future home monthly mortgage amount. I thought at the time that was unethical practice to charge a fee just to avoid direct deposit. However, I paid the {$300.00} fee to avoid the direct deposit and to avoid holding up my refinancing home mortgage. I was not informed of the fee when I was going through the refinance of my home mortgage until the closing of signing the paper. Is this a common and legal practice to charge a fee to avoid direct deposit for future payments of a loan? Hope you can help.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account 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. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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. 

Equifax, XXXX, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Product: Debt collection

Receive multiple calls a day, not every day, but on the days they do call there are two or three calls. They won't say who they are until I verify specific personal information ( DOB, SSN, address, etc. ) which I will not do. They will not stop calling, I have asked them to not call, send mail. I have told them they do not have the right number, they still call. I block the number, they call from a different one. It really has to stop- I work and these calls are disruptive.
Product: Mortgage

Wells Fargo has never tried to correct my mortgage situation, I got statements that are incorrect. 
The statements shows incorrect monthly payments they show I paid lower payments but my payments are much higher {$790.00} a month. 
I'm not behaving on my mortgage, I also had problems trying to refinance my mortgage but I keep getting turned down. 
I have Equity that I need to use for home improvement and a vehicle, I haven't had a vehicle for over 5 years. 
Wells Fargo can not be trusted what so ever.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX fail to follow the law relating to claims of identity theft. They're causing harm and injury. Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX ( XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX ( OPENED XX/XX/XXXX XX/XX/XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX XXXX ( OPENED XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with Eqifax about a account on my credit report and Equifax investigated and stated that the account belonged to me. Equifax stated that I should contact the finance company with the listed phone number if I disagreed with their findings, which I did. The phone number is not a working number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank incorrectly reported a 30 day late payment on my credit card. I went to a regions branch and the bank manager opened an investigation. I then received a letter from regions that the information was reported in error and they would update the information with XXXX, XXXX and XXXX. They never did.
Product: Credit reporting or other personal consumer reports

Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, XXXX XXXX had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section XXXX681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and XXXX XXXX by continuing to report old and unverified information.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is lowering my credit score based on FALSE INFORMATION. They are reporting a score of XXXX, which is 67 points lower than my XXXX score of XXXX based on the same information in my file. 

I am disputing the following negative factors that Transunion is basing my score on : 1. They are lowering my score based on inaccurate claims that I am " adding and removing remarks '' to my mortgage account XXXX/XXXX XXXXXXXX. I have NEVER made nor removed any remarks on this account. ( See Attachments A, B, C ) 2. They are lowering my score by claiming that the car loan I opened in XX/XX/2019 " Is negative since I've only had it a short time ''. This has nothing to do with creditworthiness. They do NOT acknowledge that I have paid off 53 % of this loan already, which is a POSITIVE FACTOR to do with creditworthiness. 

3. Transunion is lowering my score by claiming that a {$500.00} balance on my credit card which has a credit limit of {$9300.00} is " using a large portion of my credit ''!! I am only using 5 % of my credit limit. This is a POSITIVE, not negative factor! 

4. Transunion is lowering my score by claiming I have ONE hard inquiry for the auto loan which should equal no more than 5-7 points off my score 5. Transunion is lowering my score by suddenly claiming my Credit History is only 4 YEARS, when it is 29 years old. 

NONE OF THESE SO-CALLED NEGATIVE FACTORS JUSTIFY A 67 POINT DECREASE FROM MY OTHER CREDIT SCORES! The ONLY legitimate negative is one hard inquiry, which does not justify a 67 point drop. 

Attachments : A - XX/XX/XXXX point drop based on " remarks made '' which were never done B - XX/XX/XXXX point increase based on " remarks removed '' which were never done C - XX/XX/XXXX point drop based on " remarks made '' which were never done D - FICO scores for XX/XX/2019 from XXXX ( XXXX ) & XXXX ( XXXX ) E - Transunion FICO score for XX/XX/2019 showing XXXX and showing 4-year credit history which should be 28 years Information retrieved from a credit monitoring site shows I have No Negative Factors in my credit reports. It also shows that Transunion 's records show my credit history to be over 18 years. Transunion is fabricating negative factors that do not exist and denying me the high score I deserve based on my near perfect credit factors. 


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

In XXXX of this year I mailed a letter to Equifax requesting them to conduct an investigation concerning an entry on my Equifax credit file. The account in dispute was XXXX XXXX XXXX Account # XXXX. The nature of my dispute was that this XXXX account did not belong to me. 

Today, XX/XX/2019 XXXX I called Equifax to ask about my dispute, after a 35 minute phone call, I was told that the investigation did not take place. I asked the Equifax named " XXXX '' why wasnt my dispute processed. He told me he did not know why. I then asked him why didnt I receive any notice or notification of my dispute. He again said he didnt know why. I asked him what was done on my dispute and said my personal information was verified. I said of course, because I am the one who furnished verification of identity and proof of residency etc I also want to complain that Equifax has repeated engaged in systematic retaliatory tactics. I can not order my credit score or purchase products associated with my Equifax credit file for the last several years. Equifax has punished me by exercising my rights afforded to me under federal law. I want to go record using this forum. 

I am demanding Equifax to delete associated XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XX/XX/XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XX/XX/XXXX 30 day late via XXXX 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XX/XX/XXXX and XX/XX/XXXX ). XXXX, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XX/XX/XXXX ; I had XXXX credit product, a XXXX card ( " loan '' ) displayed on my XXXX credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XX/XX/XXXX, and just recently ( XX/XX/XXXX ), Pentagon Federal Credit Union ( " XXXX XXXX' ) bought XXXX XXXX XXXX ; However, XXXX STILL shows the XXXX account as XXXX XXXX ( XXXX never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 'My accounts ' page included my savings account and I would pay my XXXX by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided that documentation ( " transaction record '' ) to XXXX showing this activity for XX/XX/XXXX AND XX/XX/XXXX, through XX/XX/XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX FCU has supplied XXXX with incomplete, erroneous, and contradictory information, yet XXXX continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XX/XX/XXXX thru XX/XX/XXXX. The account was closed XX/XX/XXXX, yet XXXX is reporting that it was closed in XX/XX/XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two rounds of dispute letters were sent to Equifax on XXXX, XXXX, 2022 and XXXX XXXX in regards to XXXX XXXX reporting a collection account which has not been validated with signature as requested. This collection account remains on my credit report despite not being fully validated.
Product: Mortgage

i having been pre paying my flood insurance for many years and the lender is forcing me to escrow this account that has been paid in full. i contacted them going back to XX/XX/2020 and keep getting the run around but they continue to add/force additional escrow to already paid insurance. the amount as of this date is {$540.00} and each month additonal money is added to the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax Complaint- Dear cfpb, first of all I dont understand why you allow a beast like Equifax to have any say in my life. Im getting credit denial because of Equifax report and they are refusing to send me my credit report they are saying they sent it and they never sent it nor have they sent proof that they sent me the credit report. Im not having this problem at all with the other two beasts or XXXX XXXX.
Product: Debt collection

ARS ACCOUNT RESOLUTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTIONor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1969 CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

A company called MRS Associates called me without identifying themselves as a debt collector. I have no idea who they are and what alleged debt they are trying to collect. I don't owe them any alleged debt and their communication tactics are in violation of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

In order to facilitate the receipt of customer funds, I registered an account on the SQUARE platform. On XX/XX/year>, I received a sum of {$1900.00} into my SQUARE account and found that I was unable to withdraw funds. Then I received an email informing me that the funds had been withheld for 90 days. However, waiting for the post-90s generation, the balance in SQUARE still can not be withdrawn. So far, I have been waiting for almost 150 days and the situation has not improved. The funds in my account still can not be withdrawn.
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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: Mortgage

I filed chapter XXXX in XX/XX/XXXX. I have XXXX loans with cco morgage and they are XXXX, XXXX, XXXX cco morgage since I filed they have not reported my payments to this date XX/XX/XXXX to the credit reporting agency 's so my credit scores are all very low. Now I want to sell my house and pay off cco morgage but because my scores are so low I ca n't find financing. Could you make them report even though I 'm in chapter XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX