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

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : $ {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

I disputed my personal information on XXXX to Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious information is spoiling my credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX, Experian Credit Reporting Agency, XXXX Flooring - XXXX, XXXX XXXX  did pull, viewed my credit report without my consent or knowledge. MY CREDIT REPORT HAS BEEN FROZEN SINCE XXXX XX/XX/XXXX. 

Under Deceptive Trade Practice initiated by XXXX Flooring - XXXX, Experian allowed XXXX Bank to view my LOCKED credit report WITHOUT permission. I have never signed a contract with any organization less alone XXXX XXXX to initiate a hard pull on a LOCKED credit report. Thats illegal and IMPOSSIBLE or so I thought.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, and to notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Your continued mishandling of my credit report is an unacceptable violation of my rights as a consumer, and I am prepared to take legal action if this issue is not resolved immediately. 

The disputed information on my credit report is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inaccurate reporting has severely damaged my credit score and caused financial harm. I have previously submitted multiple disputes regarding this matter, and despite your legal obligation under the FCRA to investigate and correct erroneous information within 30 days, I have seen no meaningful resolution. The failure to address my dispute promptly and accurately is a blatant violation of the FCRA.

I am explicitly requesting the following : Immediate removal or correction of the disputed entry. 
A written confirmation detailing the outcome of your investigation and updated copies of my credit report reflecting the corrections. 
A formal explanation of the steps taken to resolve this matter and prevent future inaccuracies from being reported. 
Please be advised that under the FCRA, you are legally obligated to ensure the accuracy of the information you report and to conduct a reasonable investigation when a consumer disputes an item on their report. Your failure to meet these requirements has left me no choice but to consider further action. 

I am formally notifying you that if this issue is not resolved to my satisfaction within 10 calendar days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for violation of consumer rights, as well as the Federal Trade Commission ( FTC ). 
Seek damages through a lawsuit under the FCRA for willful noncompliance with credit reporting obligations. 
I have already consulted with my legal counsel, and I am fully prepared to pursue this matter in court, seeking damages for the harm caused by your reckless disregard for consumer protection laws. 

I expect your immediate attention to this matter and a written response within the next 10 days. Failure to resolve this dispute will leave me no option but to escalate this matter and pursue legal remedies to the fullest extent possible. 

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

I have received letters from 2 different credit collection agencies ( the most recent from Phoenix Financial Services for XXXX XXXX XXXX XXXX, XXXX, for a charge of {$710.00} from XX/XX/XXXX from XXXX of XXXX XXXX XXXX . At the time I had Medicaid and I have spoken to medicaid several times and each time they tell me the responsibility for this charge is NOT mine and they should send the bill to them for payment. They said they never received the original bill and no one can produce that original bill for me. 

It is still showing as my responsibility on my credit report. The collection company is Phoenix Financial Services, LLC - XXXX XXXX XXXX - XXXX, IN XXXX. - PH # XXXX, I am attaching proof from Medicaid that I had Medicaid on XX/XX/XXXX. I spoke with Phoenix on XX/XX/XXXX and they said they were sending this bill to Medicaid. As of today it is still showing up on my credit report. This charge is not my responsibility and I need it off my credit report so I can apply for an apartment in XXXX. I appreciate your help!
Product: Mortgage

The Property foreclosed ( XXXX XXXX XXXX XXXX XXXX, Al. XXXX ). Loan payments and renovations made to the property was not reimbursed. Seeking to payment and information on how the loan payments were applied by Wells Fargo. 

There was an agreement between the owner/seller and the buyer/renovator. A Quit Claim Deed discrepancy was challenged by the seller who requested the property be returned to him. {$850.00} was paid on the WELLS FARGO loan for 3 years by the buyer/renovator. 

Funds were not returned to the buyer/renovator. 

At some point it was shared that the first owner had missed payments that he did not disclose to the buyer. 

Ultimately, the house was foreclosed. No money was returned to the buyer. The buyer has paperwork indicating payments made to WELLS FARGO and the Quit Claim deed. 

There is no proof that the loan payments made by the buyer/renovator to WELLS FARGO were applied to the loan. 


Please contact us for names and additional proof of information in this complaint. 

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

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or bank pulled my credit report from TransUnion and TU reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but TU and both XXXX is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last XXXX years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Under the FCRA Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and updated immediately.
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 Balance : {$0.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need assistance with rectifying this incorrect balance removed and ultimately I've never done business with this company. Please mediate the situation in attempt to rectify it and get the incorrect data removed from my report
Product: Student loan

My loans were incorrectly serviced and has ruined my life, my credit report, and my childrens lives. I began receiving loans in XX/XX/XXXX. Now i have a ridiculous loan amount of {$74000.00}!! Account numbers are even wrong. Balances are wrong. Navient has even had debt collectors call and mail me about the same account! 11 years? Then start a new account just to kill my credit? Every loan has a rate over 3.4 %
Product: Credit card or prepaid card

I had 2 purchases on my Amex XXXX card with XXXX XXXX, and then I also received 2 credits from the XXXX tax agency in regards to these 2 purchases. 

The initial charges were on XX/XX/XXXX for XXXX  XXXX and XX/XX/XXXX for XXXX  XXXX. My XXXX XXXX XXXX indicate AMEX converts these charges at the actual currency exchange rate. When I look on XXXX to see the FX rates I am given worse rates. The XX/XX/XXXX transaction AMEX charged me US {$3800.00} and on XX/XX/XXXX XXXX {$7000.00}. When I go on the XXXX site it should be closer to US {$3800.00} and US {$7000.00}. I tried to dispute it but no one talks to me and they simply close the case with no explanation. 

Then on XX/XX/XXXX I received 2 credits for the above transactions for XXXX  XXXX and XXXX  XXXX. The merchant is listed as a different name because it is a XXXX  credit. The FX rate I was given on this day for the credit was XXXX USD to XXXX. On this day XXXX XXXX was equal to XXXX USD so I was undercredited significantly. Even worse, the XXXX TO USD has not been at XXXX in over 20 years so its even crazier. 

Amex XXXX indicates you get the actual rate on the transaction. When I look at ALL my fx transactions, it seems American Express is playing with the bid/ask rates and skimming versus in reality giving the real rate. 

I have 2 asks : 1 ) I am credited back ~ {$160.00} on the above 4 transactions 2 ) American Express explain to me why they are skimming? If you look at all transactions, they are always at the worst rate for that day.
Product: Debt collection

I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT EQUIFAX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. XXXX XXXX NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
EQUIFAX IS IGNORING MY REQUEST, XXXX STATED THEY ARE NOT REPORTING BUT EQUIFAX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and 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 reported in those account to be removed.

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 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, of this year I sent in a letters to Experian, XXXX and XXXX about incorrect items on my credit report. Due to these incorrect items on my credit report. I have been unable to obtain credit or get a new job. This incorrect information reporting has harm my life and credit. It has been 30 days without a response from the bureaus. According to the law their suppose to reply within 30 days which they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to my status as a victim of a recent data breach and identity theft. This incident has led to unauthorized accounts and inquiries, which have adversely affected my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request the blocking of fraudulent information related to identity theft. Additionally, the re-insertion of any previously deleted fraudulent accounts constitutes a violation of the FCRA. 
To substantiate my claim, I have attached the following documentation, which has been accepted by other credit bureaus for the removal of these fraudulent accounts and inquiries : Notarized Identity Affidavit Notarized, FTC Identity Theft Criminal Complaint # XXXX, Proof of Address, SS Card and Proof of Removal from other credit bureaus. Furthermore, I am a victim of the Equifax Data Breach ( proof attached ), which contributed to the misuse of my personal information.
Product: Checking or savings account

In XX/XX/XXXX, my husband XXXX XXXX XXXX and myself decided to revise our XXXX XXXX XXXX. XXXX deposited {$25000.00}, and began the revitalization process. Unfortunately, XXXX became ill and quickly his health deteriorated. On XX/XX/XXXX, XXXX passed away. However, XXXX never had the opportunity to get my name added to the account. I contacted PNC on several occasions informing them of the death and that the company would be ceasing preparations and would remain inactive, therefore I would like to close the account. I presented the original Articles of Incorporation for the company, which was established in XX/XX/XXXX. I presented XXXX death certificate, estate filing records, account information and all bank information. I was able to get all information except deposit information from XX/XX/XXXX, when he received a major deposit from VA XXXX. I needed this formation is to verify any monies not accounted for! I spoke with the manager at XXXX XXXX, Md PNC and the office of the District Manager of the XXXX area, each promised a return call, however, I should not call them back! I never heard from either office!
Product: Debt collection

XXXX XXXX XXXX XXXX ( 15 minutes ago ) to me XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX. 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. XXXX XXXX XXXX Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a check, it said available next business day. Due to the amount and time drama waive had my account open. Now I checked and called and they said it wont be there until the XXXX I asked why the check was on hold because its coming from my other account and they said they cant tell me. This doesnt make sense. Theyre terrible. They also duplicated all of my charges 5 months ago and refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Closed/ Charged off account that has awful payment history that was deemed as fraud. XXXX XXXX XXXX XXXX  XXXX XXXX have been made aware of this as has the 3rd party company that bought the debt. This card was opened fraudulently and I have no knowledge of this account. The account is finally showing closed, but it still hurts my payment history and shows as a negative account on my history. I am re asking for this to be investigated properly and fully removed from my report.
Product: Mortgage

I had filed for a Chapter XXXX Bankruptcy in XXXX. I completed my Case and it was Discharged in XX/XX/XXXX. At that time my Mortgage was still with XXXX XXXX. But something happened with my XXXX XXXX account and they started reporting to all the Credit Bureaus that my Mortgage was now one month late. Ever since then I am still being reported as one month late. XXXX then sold my Mortgage to Specialized Loan Servicing ( SLS ) at the end of XXXX. SLS has been sending me Late letters and calling my Home Phone number ever since. My Bankruptcy Attorney and myself have been asking XXXX XXXX and SLS to provide the exact Month and Year they claim I failed to make that one Mortgage payment so this can finally be resolved. I am tired of the harassment of letters and phone calls. And the Credit Bureaus showing me behind in my Mortgage!!
Product: Debt collection

I owe {$83.00} and they want {$830.00}. Ive got my sons items on my report including his previous addresses and I dispute everything except child support as false information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXX XXXX  XXXX inquiry date XX/XX/ XXXX XXXX
Product: Mortgage

Hi, last month I filed a complaint against Carrington mortgage services L.L.C. ( C.M.S.LLC XXXX, Phone # XXXX Fax : XXXX to complaint because they paid ahead of time the home Insurance before give me 30 days for me to choose another Insurance or to keep the current one, so I called C.M.S. LLC to informed them to cancel the Insurance they paid in advance because I found a different home Insurance, so now after they didn't follow the Federal law to allowed me 30 days before them to paid the home Insurance, they asking me and want me to pay for their mistake, if they paid that Insurance ahead of time without informed me and give me the 30 days, they should paid their mistake, not me. 
2.- On XX/XX/2021 I received a notice saying that my home address is located on " Flood risk '', and without informed me and no explanation they increase the mortgage payment, and is NOT true, on XX/XX/2021, I contacted FEMA at XXXX to confirm if my address is located on " Food risk '', they told me NO, that my home is located at NO flood risk at XXXX. XXXX they told me that my address is not on flood risk area.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information,
you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.