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

Hello my name is XXXX XXXX, I have been trying to build my credit but due to identity theft I have these accounts on my report, that are causing a big affect for me to get approved for things so today, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
If any questions or concerns you can contact me at XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX  inconsistent and inaccurate reporting of my account across multiple credit bureaus. Specifically : 1. On some credit bureaus, the account is reported as Paid as Agreed, Never Late, while on others, it is reported as a Collection.

2. There are discrepancies in the reported amount owed, account status, and other key details, such as missing information or differing dates.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. The inaccurate reporting negatively affects my creditworthiness and causes confusion. 



I request that XXXX and the credit reporting agencies correct these discrepancies to ensure uniform and accurate reporting across all bureaus. Attached, I have provided : 1. Copies of credit reports showing the discrepancies.

2. Any available documentation supporting my case.

I request the CFPBs assistance in resolving this matter and ensuring compliance with the FCRA. Please confirm receipt and provide updates as the investigation proceeds.

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the following items ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. XXXX XXXX XXXX  is an Unauthorized account I have never signed a contract or have any knowledge of this account. XXXX XXXX XXXX must provide the purchase agreement barring wet ink signatures of both parties involved, mine and XXXX XXXX XXXX. If this document isnt published this account should be deleted under the FCRA Act.
Product: Credit card

I borrowed money with Wells Fargo to pay for an XXXX XXXX  ( they offer financing through Wells Fargo ). Under the terms, If I dont make a monthly payment by the due date then I lose the promotional interest rate and the interest is accelerated. 
They dont take autopay over the phone ( even though every other credit card does ). 
I refuse to mail it because I dont trust them ( lets face it they are Wells Fargo ).

I went into a branch and set autopay up with the branch President. He verified that it was set up. 
I then got a letter in the mail saying autopay was set up. 
Two days before the due date they mailed me a letter saying they are unable to set up payments knowing I wouldnt receive the letter until after the payment was due. 

They are making it difficult to make my monthly payments so they can accelerate interest!
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I mailed a payment to Capital One in the amount of {$110.00}. within a matter of days on XX/XX/XXXX, I mailed a final payment to Capital One in the amount of XXXX, this amount represented to final balance due to Capital One. 

In checking with their automated system, it indicated on XX/XX/XXXX, I had no balance. I received a statement which indicated that they are XXXX for interest for XX/XX/XXXX. 

I called Capital Once and asked for a credit of the amount that they are charging for interest that didn't occur, the Supervisor indicated that she could careless she would not reverse the charge. 

My position, who can they charge me for interest that when I paid the full balance off. I am requesting that the {$29.00} should be refunded to this writer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Several items disputed across all three credit bureaus that were not deleted and also werent given any proof of ownership.
Product: Credit reporting or other personal consumer reports

I disputed errors that were made to my Chexsystems report. There were several unauthorized inquiries on my credit report. I requested that they be removed, some were left on my report, some were removed but then put back on, without reason or explanation. The dates of the inquiries were also changed to more recent dates, which would allow them to be on my credit report for a longer than necessary period.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " openor closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX place made me a Loan in XX/XX/XXXX the payments were set up to be deducted automatically with my permission by XXXX. The money was always available but in XXXX the company reported we were delinquent and continue to report 60 to 90 delinquencies we questioned this with the company and in XXXX we learned XXXX was not licensed to do business in Alabama from your Attorney Generals Office. 
This incorrect and negative reporting continues to impact my credit reports During the initial complaint Alabamas Attorney General was not able to contact XXXX all correspondence were returned undeliverable. 
If XXXX was taking out the payments how could they be delinquent.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card. 
Transaction Date : XX/XX/2022 Transaction Amount : {$68.00} I have submitted to make payment on XX/XX/2022 and I thought it was successful. I did not receive any email communication if the transaction was not successful. 

XXXX Month : Interest with late fees. 
XXXX Month : Interest with late fees. 

I have not received the emails to my Inbox, XXXX email notifications go to my scam email box. Interestingly. their advertisement emails are being received in Inbox though. 

In between, I have not received any mail communication. On XXXX month, I received the last mail where I called the XXXX XXXX. They waived month interest and late fees and we agreed to pay {$96.00} and close the account. 

When I paid {$96.00} for a transaction of {$68.00}, it is fraud that they have impacted my credit report. There is a XXXX point drop in my credit report reported by Trans Union. 

Thank you.
Product: Credit reporting or other personal consumer reports

My credit history has been marked with several missed payments ( every month ending with a XXXX since XX/XX/year> ). 

My bank records and the lenders payment records show no missed payments. The lender refuses to fix the error, even when presented with documentation.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues with my credit report that are impacting my financial well-being. I have noticed inaccurate account listings, unauthorized inquiries, incorrect credit report details, inconsistent billing, and even accounts that do not belong to me. These problems are affecting my financial security, and I need assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

( LEXIS NEXIS ) THIS IS MY 3RD ATTEMPT CONTACTING YOU.YOUR REPORTING INFORMATION THAT IS HARMING MY PERSONAL LIFE WHICH IS INVADING MY PRIVACY.YOU AND YOUR CORPORATION NEVER SENT ME A LETTER TO LET ME KNOW NOR HAVE I ( XXXX XXXX ) GAVE YOU CONSENT TO SHARE MY INFORMATION WHICH IS A VIOLATION 15 U.S. Code 6802.ALSO IT IS A VIOLATION OF 15 U.S. Code 1681 YOUR COMPANY DIDNT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 USC 1681b a consumer reporting agency may furnish a consumer report under the following circumstances and no other To a person which it has reason to believe or In accordance with the written instructions of the consumer to whom it relates. You have 30days from when you received this letter to respond back if you do not respond I will be force to take actions for the said violations.
Product: Credit reporting or other personal consumer reports

I hereby state that I did not receive my periodic statement for my XXXX account XXXX from XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date.

I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different credit amounts {$3600.00} and {$1800.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I Disputed a Chapter XXXX and Chapter XXXX with TransUnion XXXX and XXXX that was reporting the furnisher was XXXX Bankruptcy XXXX .The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to credit bureaus. XXXX deleted both Bankruptcies from my credit report. XXXX and TransUnion sent back letters stating they were both accurate and verified. I called and sent a letter to XXXX Bankruptcy XXXX they sent me a letter stated they do not furnish information to any third party, including the credit bureaus. I sent another dispute attaching the letter from the court and they sent a letter stating verified and accurate and they're not reinvestigating.
Product: Credit reporting or other personal consumer reports

A fraudulent account opened in my name by XXXX XXXX XXXX. See details below from XXXX. I had account closed by credit grantor back in XXXX but my credit has been adversely affected and my score has not improved. Would like to file complaint as part of ongoing fraud dispute reports directly with credit bureaus which I am filing. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Charge  Card Responsibility Individual Date opened XX/XX/2023 Status Closed. {$210.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$800.00} Balance updated XX/XX/2023
Product: Mortgage

Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$2100.00} ( for a regular payment due of {$2000.00} + an additional principal payment of {$150.00} ), well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$2100.00} payment is noted as " {$2000.00} payment posted '', a {$51.00} late fee was charged, and the additional principal of {$150.00} was not noted. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$2100.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transworld Systems Inc. regarding an unresolved dispute over an alleged debt originally from XXXX XXXX XXXX The details of the account in question are as follows : Original Creditor : XXXX XXXX Original Account Number : XXXX Current Alleged Balance : {$280.00} Nature of Complaint : Despite my attempts to resolve this matter directly with Transworld Systems Inc. , my requests have been ignored. I sent a formal dispute letter to Transworld Systems Inc., requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response or proof of debt from them.

Instead, Transworld Systems Inc. continues to report this unverified debt to major credit reporting agencies, which negatively impacts my credit score and financial reputation. Their failure to provide the requested information and the continuous negative reporting is causing undue stress and hardship. 

Steps Taken : Dispute Letter : On XX/XX/year>, I sent a detailed dispute letter to Transworld Systems Inc., requesting validation of the alleged debt. The letter was sent via certified mail to ensure receipt and included comprehensive details about the debt and my demands for verification.

No Response : Despite the certified mail receipt, Transworld Systems Inc. has not responded to my dispute letter nor provided any proof of the alleged debt.

Negative Reporting : Transworld Systems Inc. continues to report the alleged debt negatively on my credit reports, further exacerbating the situation.

Attached Documentation : I have included a copy of the dispute letter I sent to Transworld Systems Inc. for your reference and review.

Resolution Sought : I kindly request the CFPB to intervene and assist in resolving this matter. Specifically, I ask for the following : An investigation into Transworld Systems Inc. 's practices regarding this alleged debt. 
A directive for Transworld Systems Inc. to provide the requested validation of the alleged debt.

Removal of any negative reporting related to this alleged debt from my credit reports until the debt is validated.

Assurance that Transworld Systems Inc. complies with the FDCPA and other relevant consumer protection laws. 
Thank you for your attention to this urgent matter. I hope for a prompt resolution to avoid further damage to my credit and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 CFPB reports against Equifax Credit bureau and they responded and closed 1. Part of their response is as follows " XXXX : XXXX. XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. The problem with is this was done through identity theft. 15 USC 1681 B states these agencies can only report " In accordance with the written instructions of the consumer to whom it relates '' I GAVE NO SUCH INSTRUCTION. I DID NOT SHARE MY INFORMATION WITH XXXX XXXX XXXX. THEY OBTAINED THIS INFORMATION THROUGH IDENTITY THEFT. ANY COMPANIES VIOLATED THE PRIVACY ACT OF 1974 BY SHARING MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER WITH SAID COMPANIES. 15 USC 1681c2 - Block of information resulting from identity theft states they must remove it in 4 days. PLEASE MAKE SURE TO REVIEW ALL LAWS. THE NEXT ACTION WILL BE IN THE COURT ROOM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my report from Credit plus and I didnt give them permission to run my credit. Furthermore I dont even know this company
Product: Credit card

Navy Federal Credit Union keeps taking my child support deposit every month and gives me no option to lower my payment or postpone payment until I get back on my feet and become employed again after recovering from an illness.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of accounts on my credit report 5 separate times on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I demanded every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that it has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

If they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the accounts under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

I demand the accounts be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ), or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine I have not signed or applied for this it does not belong to me : XXXX XXXX XXXX XXXX - Acct XXXX Amt {$0.00} Opened XX/XX/2009 2009
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX I created a PayPal invoice # XXXX in the amount of {$100.00}. The invoice was paid for and I had money in my PayPal account. I did not receive any notices that the money " if not claimed within 30 days '' would be refunded automatically back to the purchaser. I tried to claim the money on XX/XX/XXXX, before the 30 days. I had to link my bank accout to transfer the money over. PayPal said they would be depositing two small amounts in my account and I was to verify these amounts. The amounts would show up in 1 to 3 days. This shortened my 30 days up by 1-3 days. So I couldn't verify at that moment. When the amounts showed up in my bank account on the XXXX, I verified the small amounts on the XX/XX/XXXX. Now we are after the 30 days. Then, PayPal asked for me to send a picture of my driver 's license or utility verifying my identify on the XXXX. I did this immediately, but now we are XXXX days past the 30 days. I was now a " Verified User '' and could claim my invoice. By this time, PayPal had already refunded the money with the XXXX of XXXX being the XXXX day. PayPal 's verification process did not allow me to have the full 30 days to make the claim by having to wait XXXX to 3 days for bank account approval then driver 's licence/utiity bill statement. Their policy of the " user verification process '' is not explained to users. delayed my ability to claim my money in 30 days and now I am out the money. The only recourse I have is asking the person who paid the invoice to pay it again. 

PayPal 's user agreement has been attached and it states : " If the seller you are buying from sells goods or services and that seller does not already have a PayPal accout, they can claim your payment by opening a PaPal account. If they don't open a PayPal accout within 30 dyas, your purchase will be refunded ''. 

I had an account opened long before the 30 days. This says nothing about being a " Verified User '' PayPal 's user agreement has been attached and it states : " When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction ( but no longer than 30 days ). '' What does " completes the transaction '' mean? I completed it when I recieved it. That's how transactions work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}