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

In my bk chapter XXXX all old accounts were included in my bankruptcy and my credit report is still showing XXXX accounts in the negative which are hurting my score one which was paid in full XXXX XXXX courts and the other included in the bk XXXX in which Is a collection agency XXXX XXXX XXXX it is hurting my score significantly and does not allow it to go up although I have an exceptional payment history I have disputed these accounts but they still hold my score and I am trying to purchase a house
Product: Money transfer, virtual currency, or money service

I attempted to withdraw my virtual wallet. The transaction has been showing as pending for over a week.
Product: Credit reporting or other personal consumer reports

This is my third 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 Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XX/XX/XXXXXXXX XXXX Equifax XXXX  Account Name : XXXX Account Name : XXXX  MISSING Account Number : XXXX Account Number : XXXX MISSING Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have the same information from a bureau. Please send me proof my information otherwise remove this account from my credit report. Furthermore, as per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Debt collection

My auto loan is with Wells Fargo Dealer Services since XX/XX/XXXX. The loan is almost paid in full. Please note, I have not worked much in XX/XX/XXXX due to a job related injury that I was not compensated for. However, I have always kept Wells Fargo informed if I had to pay late. I have noticed that after paying the interest, they never lowered the principal. I have asked through the years for reports showing my payments. I have paid late at times, but never defaulted beyond a 30 day period. I have paid every month and lately I have paid more than once a month since I went back to work recently. My balance was {$1000.00} in XX/XX/XXXX. I have 2 letters threatening me of action for default. One dated XX/XX/XXXX and the other dated XX/XX/XXXX. I also was sent an invoice dated XX/XX/XXXX, showing a <higher> final balance of {$1400.00}. {$420.00} over the {$1000.00} balance they previously said I owed. I have received a XX/XX/XXXX dated invoice showing I now owe {$1400.00}. I made 2 payments, one in the  amount of {$350.00} and the other {$350.00}. I also noticed they have charged me {$360.00} in late fees on their invoice. Through the years they consistently charged me hundreds of dollars in late fees which I feel is illegal. I have phone records showing where they have called me XXXX and 4 times a day for through the years. They continue to send my deceased mother invoices and letters as well even after I gave them her death certificate when she passed n XX/XX/XXXX. How is this all legal ... .especially when I never went past 30 days late? Now they are still trying to bilk more fees and avoid my paying the loan off by raising the amount due because of their illegal fees. I want this investigated, I have reported them to the credit bureau because they have ruined my credit rating, and I intend on pursuing this through an attorney. Their abuse of customers needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. All the companies have responded except XXXX XXXX XXXX. This account needs to be deleted from my credit report asap. It has been more than enough time for them to let me know what is going on and this is causing me great stress dealing with this and the storm that has me and my family without a place to live.
Product: Payday loan, title loan, or personal loan

I have paid my loan on time every month and made the full payment as described in my contract for over a year now. Periodically, Rise Credit says they review accounts for possible refinancing without a credit check or any impact to your credit. I assume it's very similar to a credit card increase.Their criteria for being eligible states per their website ; " make at least the minimum payment due every month and on time '' and they will notify you once you're eligible. It has taken me over a year for me to become eligible to refinance and on XX/XX/2019, I finally got a notification that I can refinance. Once I logged into my account, I was met with a pop up notification saying that I can now refinance and that my new loan amount is now {$3500.00} which will add {$1300.00} to my loan which would be deposited into my checking account. I read through all their notices and consents which I agreed to. I got to the last page where it had me sign, date and submit only for the website to bring me to a page that says I'm denied. So I was approved initially when I was offered refinancing and now denied 5 minutes later after I signed my documents? Why would I be denied when there is supposedly no credit check? I got an email from Rise saying that XXXX   consumer reporting, a part of XXXX, helped them come to this decision. I called Rise to ask about this and they said I need to call XXXX. The Rise rep also said if something was inaccurate with XXXX, that I would have to wait again for Rise to flag my account as eligible again to refinance which could take another year. This is extremely false advertising and just a bad business practice by Rise plain and simple.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I had trouble installing software for my new XXXX XXXX XXXX printer. According to the instructions book I went to XXXX to download XXXX XXXX app and software. But I failed to do so. At this time a pop-up window showed up as XXXX tech and asked if I needed help. I said yes. Then the pop-up window said someone from XXXX will XXXX me to help. Then someone called XXXX called me from XXXX ( XXXX NJ ) .He said he must log into my computer in order to fix the problem. After he logged in my computer, he said there are a total of 46 hackers on my computer. Then he said the hackers are trying to withdraw money from your bank account. You should check to see if there are any unknown withdrawals. So, I logged into my account while he was looking at my computer. But I told him that I did not see any unknown withdrawals at that moment. He said not yet but in processing. Unforturnately after his visiting my computer, I noticed XXXX international transfers from my account to an account called " XXXX XXXX '', {$1100.00} and {$340.00}. It was XXXX XXXX on XX/XX/XXXX. I called Bank of America immediately. But the office was closed. I waited next day on XX/XX/XXXX at XXXX XXXX, I went to the branch of Bank of America and asked them to stop the transactions. But the representative said Bank of America does not have a way to stop this type of scams. They just let the transaction go through and charged me two international wire transfer fees {$10.00} and {$34.00}. My total loss is around {$1500.00}.
Product: Debt collection

I was contacted by Portfolio recovery associates llc from XXXXXXXX XXXX about 2 separate collections accounts resulting from charge offs. They reported these to the credit bureau and has shown up on my credit report. Also trying to collect payments from me. I looked this company up on nmls consumer website to verify their license to collect in wv ( where I reside for over XXXX. ) They are not licensed to collect here at all. I know a lot of people here in wv that have been harassed and taken to court by these people. Very bad business practices and they never admit they have no right to collect here in wv.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : Bankruptcy 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 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 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 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  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Mortgage

I paid early, extra monies monthly and lump sums and NewRez, ShellPoint would not credit monies properly even reversing payment transactions and reapplying the monies ant later dates. This caused me to pay more in interest and hardship as in trying to pay off my loan early I keep running into these issues not knowing the correct amount I owe They constantly give me a credit for monies and then somehow increase my mortgage balance in the next line and then give me a smaller credit I reached out to them a couple times and got a run around was even told they were going to start a insurance policy because i was not covered which was not true. 

There is bad book keeping going on and it is so frustrating trying to get ahead when incorrect accounting on their part is holding me back I need help
Product: Credit reporting or other personal consumer reports

Here is the updated dispute letter with the requested changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/2025 XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Notice of Legal Action Under FCRA and CFPA Dear XXXX, I am writing to formally dispute multiple inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5481 ]. This letter serves as a legal demand for correction and a notice of intent to pursue legal action if compliance is not achieved. 

The following accounts and inquiries are inaccurate or unauthorized : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX ( Account ending in XXXX ) 8. All soft inquiries Violations Cited : Failure to Conduct a Reasonable Reinvestigation ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] ) : Your failure to conduct a proper reinvestigation of disputed accounts violates the FCRA.

Failure to Notify and Forward All Relevant Information ( [ 15 U.S.C. 1681i ( a ) ( 2 ) ] ) : XXXX is obligated to notify furnishers of disputes and provide all documentation submitted by the consumer. 
Failure to Assure Maximum Possible Accuracy ( [ 15 U.S.C. 1681e ( b ) ] ) : Inaccurate information remains on my credit file, impacting my financial reputation.

Unlawful Reinsertion of Deleted Information ( [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( C ) ] ) : Reinsertions have been made without proper certification or notification.

Remedies Demanded : 1. Immediate removal of all inaccurate accounts and inquiries listed above. 
2. Compensation of {$1000.00} per violation for damages caused by XXXX noncompliance, as allowed under [ 15 U.S.C. 1681n and 1681o ].

3. Full written notice of the results of the reinvestigation and updated credit reports reflecting the corrections made.

Failure to comply with this demand within 30 days of receipt will result in the initiation of a lawsuit to enforce my rights under the FCRA and CFPA. This letter also constitutes my pre-suit notification. 

Please direct all correspondence regarding this matter to the address provided above. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I used WISE to send a XXXX transfer to a bank in XXXX for the amount of {$17000.00}. I paid an extra {$41.00} in fees, which is expected, what was NOT expected was the loss of {$2100.00} that was taken off by the intermediary bank- XXXX XXXX XXXX. There is a small disclaimer, noting that additional fees might be taken, but it is not asterisked or clear and incredibly misleading as you'll see from the attached documents. WISE stated that they had nothing to do with it but they should not be using banks that can fleece consumers like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

I sent the following message to MOHELA on XX/XX/XXXX ( personal data redacted ) : To whom it may concern : These are standing payment instructions for my account # XXXX. Any and all payments made to this account are to be applied to the current bill. If the current bill 's minimum payment and all accrued interest has been met, payments are to be applied to the principal balance of the loan with the highest principal. I NEVER want a single payment or Auto Debit payment to be used to 'advance the due date ' on my loans or put them into 'pay ahead / paid ahead ' status. To repeat, all overpayments to this account shall be applied to the principal of the loan with the highest balance. If any of my payments are not applied per these standing instructions I will be contacting the Consumer Financial Protection Bureau and I will pursue all necessary legal actions against MOHELA. Thank you, I received an automated response stating that they had received my message. However when I check my account I see that they have indeed placed my loans in a " paid ahead '' status, with the next due date being set to XX/XX/XXXX. This, of course, in no way benefits me as a consumer or debtor, which is why I gave them such explicit instructions. As they are ignoring my instructions I can not trust that they are calculating my interest correctly or not otherwise committing any kind of fraud. I would appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to open a dispute and subsequently investigate an erroneous debt collection for which I was denied credit including a mortgage. Equifax 's website is insanely difficult to use : there's no place to request a FREE credit report within 60d of being denied credit based on reporting agencies. When I tried to order one as the free annual one, Equifax claims that it can not verify my identity. Then Equifax emails that my order is ready for review, provides an ID # and a username and a DEAD link that does not go to a site so that I can enter the provided ID # and username. I hold a XXXX  in  XXXX, a XXXX  and XXXX  in XXXX but I can't navigate Equifax 's website! 

When I tried to dispute the debt again, Equifax then asks a series of questions -- NONE OF WHICH APPLY to me so when I accurately answered as such, Equifax once again said my answers do not match its records so use XXXX to request my report. 
The problem is when you click on XXXX it takes you right back to its website where it wants you to PAY for the credit report. 

All the other reporting agencies, XXXX  and XXXX have investigated ( apparently ) and removed the debt collection from my report -- the ONLY derogatory item on my credit report. With Equifax, I can't even order my credit report or submit a dispute. Not even by phone -- the phone tree dead ends so you can't talk to anyone. It just disconnects. 

Equifax 's failure to investigate dispute and non-compliance w/ state and fed law by providing a free report if denied credit w/in the past 60d has directly resulted in my being denied credit card accounts and a mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

these are fraudulent inquiries and i want them removed I have had a fraud alert on my account since XXXX would like for these inquires to be removed creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting

I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX L 2. XXXX- XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXXXXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For EXPERIAN 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

For XXXX 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account Number : XXXX Please investigate and delete from my credit report.