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

There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( XXXX, Experian and XXXX  ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of a credit report from XXXX. IT had two actions reported as Potentially negative information - one being late payment history.. My ID Theft Protection provider gave me information concerning making a late payment on an account that has been closed. The XXXX report shows the creditor as XXXX. I filed a dispute with XXXX but the results are not due yet. 

However, when I review the Credit Report there is an indication that the creditor designated may be wrong. I have reported this problem before and it appears as though no correction ( s ) were ever made. The credit world has specific account number designations one being that of DISCOVER. Their credit card no. begins with a XXXX- DISCOVER indicated that there is a LATE PAYMENT history made to Tractor Supply in XX/XX/XXXX. Reviewing the EXPERIAN report I received in XX/XX/XXXX. I noticed that XXXX generated a separate report that cited XXXX listing the first 6-8 digits or so of the credit card number.. When this information previously appeared on a credit report, I contacted XXXX and they told me that credit card designation was for DISCOVER ( XXXX ). This report has never been updated to correct the erroneous information included in the report.
Product: Debt collection

The collection info is as follows : LVNV FUNDING LLC Original creditor : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX I am writing to address the credit card account associated with my name, which I know to be inaccurately linked to me. It is evident that this card was opened without my consent or knowledge, as no payments were ever made on the account, indicating identity theft. 

Several factors support my claim of identity theft : Firstly, the transaction history clearly demonstrates that the credit limit was immediately maxed out, suggesting fraudulent activity. Additionally, the address associated with the account does not match my residence at the time the card was allegedly opened. As a result, any items purchased using this card were not sent to me, and I can not be held responsible for these charges. 

Moreover, the phone number linked to the account is no longer mine and had been changed prior to the alleged account opening date, further indicating fraudulent activity. As a result I did not receive any notification that this account had been opened. 

I have repeatedly disputed this charge and requested verifiable proof that I was the one who opened the credit card account. Despite numerous attempts, the necessary evidence has not been provided by the creditor. 

Under federal law, creditors are required to provide substantial evidence to verify the legitimacy of a debt before reporting it on a consumer 's credit report. As such, I urge you to gather the necessary identity verification documentation to confirm the authenticity of this account. 

It stands to reason that if someone had access to my social security number and birthdate, they could have easily opened this account. Therefore, it is imperative for the creditor to implement more rigorous verification processes before approving credit accounts to prevent fraudulent activity. 

Until concrete evidence is provided to prove that I am indeed responsible for this debt, I demand that it be removed from my credit report. I have exhausted all efforts to resolve this matter directly with the creditor and am now seeking formal action.
Product: Debt collection

In XX/XX/XXXX or XX/XX/XXXX I borrowed a signature loan from a local XXXX company. This account has gone into collection. I have been paying on this account through a consumer debt company. To date I have paid {$680.00} which I have statements to prove. My credit report shows open balance of {$1400.00} on my credit reports with XXXX. Under the provisions of the Fair debt reporting act they should be held accountable or delete the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a fraudulent account on my transunion credit report, this account sss open in my name from information that was leaked on the dark web, I am a victim of identity theft and fraud, this account needs to be removed immediately, Ive already disputed this account, XXXX is changing accounts numbers and constantly trying to collect on an illegal account that does not belong to me please remove this account from my report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against XXXX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to XXXX disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

STATEMENT : Predatory Lending XXXX XXXX, XXXX, my husband and I were saved from foreclosure by XXXX XXXX XXXX XXXX in XXXX XXXX, CA, XXXX a fraudulent loan modification firm signed contract XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA - paid them borrowed family funds of {$4000.00} but found out 8 months later, they did not submit our docs and it led to XXXX/XXXX/XXXX BofA default and foreclosure notice ). We were pressed to take the BofA loan modification ( only had XXXX to sign, have notarized and return to BofA or forfeit the loan ), even though we explained to XXXX XXXX XXXX law firm that we could not sustain the mortgage payment of {$2400.00}, XXXX XXXX XXXX advised us to take the modification and try to pay for 3 months and then go to BofA and ask for a re-structuring of the loan. Then after struggling for 4 months, asked BofA for a loan re-structuring - we were sent more forms to fill out - thus after sending in Bank XXXX and finally his doctor 's letter for my veteran husband who was very ill in XXXX XXXX, and we could not pay anymore, we could not borrow anymore but BofA modification promises of re-structuring continued until XXXX XXXX, XXXX. 
My husband died XXXX/XXXX/XXXX and was buried with honors in the XXXX XXXX cemetery, XXXX, CA XXXX XXXX, XXXX. I have the Deed of Trust in my name - but not being familiar with how to handle the bank when you are widowed, I asked for help from a referral and now a dear friend who is a Para-legal over 30 years - who filled out the paperwork for my complaint to Washington DOJ ( received XXXX/XXXX/XXXX ). Why? because after he looked over our refinance XXXX by Countrywide/MERS - then taken over by Bank, said that we had a good case, also bank did not want to talk to me until I had Letters of Administration, which after getting a Probate hearing XXXX/XXXX/XXXX, the judge said that I had the Inter-Spousal Deed of Trust in my name ( the loan is in my husband 's name ), I got a probate attorney to send a letter XXXX/XXXX/XXXX to BofA stating that since I have legal title to the property - does not need to probate my husband 's estate. Bank 's response was : " put attorney on as my authorized XXXX XXXX loan representative '', ( I sent a XXXX of XXXX to bank XXXX/XXXX/XXXX ), bank responded " that since my situation has changed, they have closed the loan modification process on the modification loan. '' XXXX XXXX, I have registered with HUD office who sent a my bank package and are now reviewing the file and my assigned rep said review takes 30 days. I do not qualify for any modifications and after the pain & suffering - wonder what new ideas the bank will come up with. I would welcome your advice. I have researched lawyers and have been turned down by XXXX pro-bono attorneys, and XXXX local attorneys - why? No experience in predatory mortgage lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Product: Checking or savings account

Date : XX/XX/2024 On this date I went on my chase account and saw multiple transactions that were done without my authorization. I had previously called days before because I had a message from chase saying that there was an attempt to use my card in another state. I needed to call I talked to an agent and he told me they were cancelling my card and that card would not be able to work at all. Then a week later I see that there was transactions made even when the card was supposed to not work. I made the report and called the fraud department with Chase. The personnel let me know that my money would be given back to me and that my card was cancelled as well as my pin. I took action and locked my card too. I received the money back on my account and saw no unauthorized transactions done. Today, I went to pump gas and my new card got declined. The reason it got declined was because my account was overdrawn. The chase fraud department decided to do a reversal on XXXX claims I had done. They took the money back because they declined my claim. The total was for {$450.00} that was taken away from me. I went to Chase to talk to a representative they said there was nothing they could do about because the fraud department declined the claim since they saw nothing suspicious. This money is from non chase ATM withdrawals that were done without my authorization and by someone that I don't know. I have never given my card information to no one I am the only who uses it and knows my pin. I did not make those transactions at all. I was not able to get my money back even after calling the fraud department and going to Chase and talking to a representative. This is why I am requesting for help I am unsure what to do. This money was taken from me even after I had made a report for the second time on the fraud that was committed on the old card. I hope that there is a way to get my money back because I have tried to get it and they just denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with Equifax on XX/XX/2020 which was received by certified mail # XXXX that was received on XX/XX/2020 per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/2020 that was received XX/XX/2020 certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Equifax Equifax Credit Information Services,  XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 
I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables Account # XXXX Designed Receivables Account # XXXX XXXX  XXXX Account Never Late XXXX/XXXX  Account Never Late Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act  Additionally, I would like to have all other names, addresses, phone numbers and place of employment indicated on my credit report removed, as I believe they are cross-referenced with other individuals with similar names. 
My correct name is : XXXX XXXX My correct address is : XXXX XXXX  XXXX XXXX, XXXX XXXX, California XXXX My correct employer is XXXX XXXX I believe creditors have not entered my name correctly when requesting my credit file. Please remove all other names and addresses and employers. I do not wish to be confused with individuals going by any other form of my name ; therefore, they must be removed. 
Signature and SSN redacted for privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to Nelnet and informed the representative I had been laid off due to XXXX. I was informed to send the documents showing the layoff in which I did. The representative also stated my loans were on a deferment plan. In XX/XX/XXXX I received an alert from my bank indicating Nelnet had reported me 90 days late on my credit report for each loan. I reached out to Nelnet on several occasions to dispute this lateness. I was told by a representative from the solution department that the requested document that I sent was never received and the late payment could not be removed. Please note I sent documents via email to Nelnet lately and the representative did not receive those documents. 

I strongly believe Nelnet could have pardon this late payment after realizing I had never been late on my loans before. If the representative didnt receive the documents could someone have reached out to me prior to reporting my loans late.
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT AGAIN because the following inaccurate imprecise information still not accurate and some accounts are need to be deleted from my credit report. The items are listed below : 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 Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This account was charged off on the following date XX/XX/XXXX. The date of first delinquency illegally being changed. Should reflect the first 30 day past due notice on XX/XX/XXXX, but status was updated XXXX XXXX.Which is illegally reporting. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I have sent in documents showing I was incarcerated during this loan and didn't make this purchase. our company and Furnisher keeps verifying information and not updating and looking at the facts. 

You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX for {$22000.00}
Product: Mortgage

I have been trying to get my XXXX tax form from my mortgage servicer, Panorama Mortgage Group , LLC - XXXX XXXX. I was serviced through them from XX/XX/year>- XX/XX/year> so I should have received the tax form from them. I've reached out via phone and email multiple times and no one has provided any update in regards to the form or provided the form to me. I've stressed that I need the form to file my taxes however no action has been done. I've called several more times and submitted several email request to no avail.
Product: Debt collection

I am experiencing difficulties with collections on my report that is n't mines or has been paid through my insurances. In 2014 I began to receive bills from a lab. I informed them my insurance paid and ensured them if I had a co payment then medicaid pick it up. I remember even providing them with both insurance information. I even called my doctor 's office to see why I was receiving calls and bills from the lab company and they too were clueless. I recently received XXXX bills in the mail. {$390.00} for date incurred XXXX/XXXX/2014, {$59.00} for date XXXX/XXXX/2014 and {$530.00} for date incurred XXXX/XXXX/2014 all from the same collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service an unfair practices, which violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an 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 ( EFFA ) and regulation E. These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Mortgage company accused of dual tracking but denies this. They changed the records of payments ledger fron plan payment to payment suspension. I'm providing record of trial payments and foreclosure sale date letter as well. 

And adding documents supporting unfounded money claimed after initial secured claim and payoff quote at time of bankruptcy filing. 

Also I want a breakdown of XXXX XXXX XXXX, NON CASH FEE ADJ, CORP ADV DISP, DecCorp Adv Deferred I, PMT-MISC SUSP, and MISC ADJ. 

Explained in FULL Also I've requested a ledger of PAYMENTS ONLY received by me. Do not add charges, fees, escrow, principal or balance, just the PAYMENTS received by myself since 2003.
Product: Checking or savings account

On XX/XX/2020, I tried to withdraw funds from my checking account with my Wells Fargo atm card, from a Wells Fargo branch ATM in XXXX, MD ( near XXXX  ). When I called customer service for resolution, I was told my card was canceled because a new card would be mailed this coming week. My current card expires XX/XX/2020 -- there is no expiration DAY. After pushing back for a resolution that would yield cash in hand that same day, I was offered a cardless withdrawal through the Wells Fargo phone app -- which I already had on my phone. However, this option is only available when there is an active card linked to the account. I was unable to make a withdrawal and was conveniently disconnected while waiting to speak with a manager. This is very frustrating for me since my card was unilaterally canceled without notification to me. During a pandemic, everyone should have access to their funds. This process is clearly  broken and creating problems where there does not/should not be any.