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

These inquires have been added to my credit report without my authorization XXXX XXXX XXXX XXXX, 2022 I disputed them and they remained on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

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 I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : WFXXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Law Please see the copy of my dispute letters that were already sent to the involved Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Home Point Financial 's office in regards to options for people who had experienced hardship due to XXXX. There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted XXXX points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my XXXX XXXX dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the XXXX credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is Home Point Financial 's responsibility to provide correct information so that customers can correspondingly make correct decisions.
Product: Debt collection

XXXX XXXX XXXX accounts was paid in full. Requested for permanent deletions on XXXX, XXXX, XXXX credit report. Still showing as derogatory remarks on report. 

acct # XXXX is XXXX paid in full receipt # is XXXX acct # name XXXX XXXX acct # XXXX is XXXX paid in full receipt # is XXXX acct # name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent to file suit : violation of the FCRA Notice i XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named XXXX, XXXX, and Experian, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.
Product: Debt collection

I am filing this compliant about this account from KEY BRIDGE # XXXX. I have never done any business transactions and I do not recall any documents showing any transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. 

Account with late payment XXXX XXXX XXXX XXXX  Account number : XXXX Please update it and remove the late payment remarks
Product: Credit card or prepaid card

All Rewards Ann Taylor Master Card has assess fees AFTER I paid the balance of the card off by the due date on XX/XX/2021. I believe they assess interest a month or more post the statement which results in always having a balance on the card. When you think you have paid a card off, they further assess late fees on accrued interest on a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : XXXX and Experian. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!
Product: Credit reporting or other personal consumer reports

Upon viewing my credit report, I noticed information that was not mine. Please remove these accounts. They are hurting my ability to obtain credit.
Product: Debt collection

Received multiple voicemails from Commenity XXXX XXXX ( re : XXXX  ). Latest one was on XX/XX/2021, XXXX, calling about an account that is not in my name, but in a family member 's name. I do not live with or share any financial responsibilities with said family member.
Product: Debt collection

I am writing to complain of obnoxious debt collection tactics used by national Recovery Agency, which I request be removed off my credit report. National Recovery states I have opened an account with XXXX, which I have not done any business with. I have been a victim of ID theft and have thus placed an alert on my report. I request that National Recovery Stops harassing me, and reporting negatively to the Credit Bureau about a debt/account I do no owe nor opened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. OK X
Product: Debt collection

On XX/XX/ 2022 I received a collection notice from MIDLAND CREDIT MANAGEMENT in regards to doing business with XXXX XXXXXXXX XXXX  in the amount of {$3500.00} I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt. Please provide original contractual agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Since I was not working with and living with my mother I was not working and a XXXX XXXX XXXX under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. XXXX # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with XXXX district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent XXXX XXXX XXXX letters to rectify the error that is cause a huge problem with my credit file. XXXX and XXXX refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. Transunion and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in Florida for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. Attempting to collect that do not belong to me. If not resolved, I will sue for damages.
Product: Money transfer, virtual currency, or money service

I use company name Taptap to transfer money to XXXX since XX/XX/2023. I called to conceal the transaction because I mistakenly place the wrong figure which they told me is already late. After somedays the receipt called to informed me that the part of the money just disappeared from her account. I contacted taptap and the receipt bank immediately and I was told that the money is withheld. The only solution is for taptap to call their correspondence in XXXX to releases back the money to recipient account. Taptap have fail to meet up with these obligations, I have called them million times but to no avail. Pls I need your help to retrieve my money back. Thank you. Yours faithfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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 XXXX
Product: Credit reporting or other personal consumer reports

Someone open up this account without my knowledge and I contact this company several time and no response its illegal to report inaccurate Stuff on my report..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 BANK XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took a loan from XXXX XXXX  in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called National service bureau last year. In XXXX of this year I called National Service Bureau and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to Diversified Consultants asking they provide a written and signed contract between me, XXXX XXXX, and Diversified Consultants regarding a repayment plan. I have not received a response from this company. I sent these requests on XXXX/2019/ XXXX/2019 and XX/XX//2019.
Product: Checking or savings account

XX/XX/21 I received a text message : " Wells Fargo Bank Fraud Alert : Did you attempt a XXXX payment for the amount of {$3000.00}? Reply YES or NO or XXXX to Decline Fraud Alerts. '' I responded NO as asked. A male, identifying himself as a Wells Fargo employee, immediately called, explaining a XXXX transaction had been initiated from my checking account to a recipient with XXXX XXXX He advised we would need to attempt to contact XXXX XXXX to see if the transaction had already been completed. He sent a verification code from Wells Fargo. Placed me on hold, to contact XXXX XXXX, who also sent a XXXX XXXX XXXX Both codes were provided to the Wells Fargo employee. The male then walked me through how to open XXXX, create a profile under my name and number and stated, that he could only attempt to reverse the fraudulent monies sent, back to my profile we just created to reverse the transaction. He walked me through attempting to reverse the transaction, both transactions ( from savings and checking ) were completed under the belief I was speaking to a Wells Fargo employee walking me through how to recover my stolen money. When attempting to reverse the transaction I seen the name XXXX on the XXXX account instead of my name as we just created the profile under my phone number. He advised that must be the name of the fraudulent person and asked me for more details. After the transactions were completed, he created a dispute in the remaining amount. After the some time the call dropped. 
I called back in to Wells Fargo, and was advised all of the previous information was fraudulent activity. Initially, a claim was filed which was denied. Wells Fargo claims they do not cover any transactions made through XXXX. When contacting XXXX, they advised me to contact Wells Fargo as they only cover transactions made through their app directly, anything made through personal financial institutions should be covered through that bank directly. Wells Fargo has refused to cover the fraudulent activity, citing there was no fault on behalf of Wells Fargo. Wells Fargo claims that XXXX is a completely different organization, not covered under their XXXX liability program which ensures they cover fraud. My XXXX account is created through my Wells Fargo account, the transaction was completed through first opening my Wells Fargo app to get to the XXXX tab. This is very misleading information for the account holders who believe they have fraud coverage. According to XXXX, Wells Fargo should cover the fraud directly. 

By XX/XX/21 more fraudulent activity is now taking place on my checking account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This is aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe practices are unfair and request and investigation into my account transactions.
Product: Checking or savings account

I went to open a Checking Account with Chase on Saturday, XX/XX/XXXX. Everything proved to have been accepted and I received my temporary card in which I deposited XXXX dollars immediately. When I attempted to log in today, Wednesday, XX/XX/XXXX I come to find that my account is restricted and after following up with a call to their customer care, it has been closed. 

I did not receive any information as to why my account was closed. This is the second time Chase does this without a reason as to why they are closing. They simply state, I am sorry but we can not release this information to you?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX potentially negative icon Potentially Negative StatusClosed. {$130.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$430.00} Date OpenedXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  numerous times that XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?
Product: Credit reporting or other personal consumer reports

The address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not mine. My correct and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX