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

The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from XXXX to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove it.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I received a missed payment on a loan I paid XX/XX/23. I reached out and received several conflicting answers now they are saying even though I paid on the due date they applied that payment towards my XXXX payment and my XXXX payment is still owed. I want the loan to reflect the payment I made for the month I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the original Consumer Contract with my Signature on it or remove these accounts immediately. 

1. XXXX XXXX XXXX  Account number XXXX This is the response EXPERIAN has give me : Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I HAVE NOT ASK EXPERIAN to verify the information on my credit report. I am requesting the original Consumer Contract with my Signature on. 

When I tried to tell EXPERIAN waht I want this is what there website said : XXXX XXXX XXXX Other reason Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

I am demanding that this account be removed from my credit report if EXPERIAN can not provide me with the original Consumer Contract with my Signature on.
Product: Mortgage

In XXXX of 2022 I applied for XXXX Mortgage assistance through the XXXX XXXX XXXX XXXX and my application was subsequently approved. 

Today I found out that my mortgage servicer- Citizens Bank XXXX XXXX Citizens One XXXX XXXX ) did not apply to be a vendor for the XXXX  program thus ultimately denying me the assistance that was granted. 

I would like to know : XXXX ) Why my mortgage company did not participate in the program and XXXX. ) What remedies are available for me to get my approved mortgage assistance. 

I understand that the application period for vendors to apply to the program is still open and am wondering how pressure can be exerted upon them to participate. 

thank you for you help in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious first as this is a ongoing issue with Equifax. You prove why things is not supposed to be on your credit report and Equifax removes it then place it back on your credit report a year or so later when they think you have forgotten about it. This has happened THREE times already regarding having XXXX XXXX XXXX on my credit report. I have 2 old unverified collections that has once again popped up on my credit file under Collections. If you refer back to Complaint ID # XXXX dated XX/XX/XXXX and Complaint ID # XXXX dated XX/XX/XXXX. All collections from this debt collector who I have no dealings with has been REMOVED. EQUIFAX ALSO STATED IN THERE RESPONSE IT WAS REMOVED AND NO LONGER ON MY CREDIT REPORT. As I requested my credit file via mail and it was sent XX/XX/XXXX. I see the same collections back on my file. Like who do I sue at this point?????? Are we gon na keep blaming it on this constant breach there having ruining people 's lives????? I also disputed 13 inquiries which are still showing that I did not authorize. This is a headache and extremely stressful. I did file the breach claim as well.
Product: Credit card

I opened an account with Company. I used the card maybe once.
About a 2 weeks later they asked for verification. 
I told them im a XXXX XXXX what kind of verification. 
They started asking for other individuals in my home income. I said if info isnt provided they will close the account. 
I said you can close the account. 
Never missed never late and paid it off. 
They told me it will not be on my credit report.

Now it it up there for ten years and i need it off as it was not supposed to be up there.
Product: Credit reporting

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services is reporting an Account on my XXXX Report without my Consent. XXXX and the Reporting company known as Consumer Portfolio services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( XXXX ) of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Product: Checking or savings account

an unauthorized purchase was made by XXXX XXXX car on XX/XX/2019. I am aware that some has been using my identity for the past 5 years I have tried my best to protect my identity as much as possible. Whenever i am not using my Wells Fargo bank card I always turn the card off, I have reported the issue to the Federal Trade Commission and they have placed a fraud alert on my credit report. Now my account is overdrawn because of yet another unauthorized purchase. I contacted wells Fargo but i was told i would have to wait 10 Days.
Product: Payday loan, title loan, personal loan, or advance loan

Auditor from tower loan called inquiring about a check cashed in my name at XXXX XXXXXXXX that I didnt cash
Product: Debt collection

I received a letter from Nationwide Credit and Collection regarding a debt owed to XXXX  XXXX XXXX XXXX. I am employed by this company and did not receive notification of owed debt until I received the collection letter from Nationwide. A call to my employer, XXXX XXXX XXXX XXXX, and complaint regarding the debt collection tactics was made. My employer offered to waive the debt if my supervisor would send a letter to our billing department. Who has time for that? I paid the {$50.00} and asked that, in the future, they please invoice me prior to sending me to collections. Payment confirmation # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with Barclays Bank and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with Barclays Bank. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted XXXX, XXXX and XXXX about this but nothing is being done. 

I have spoken to the fraud department at Barclays Bank and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA
Product: Mortgage

I have a illegal mortgage assignment, my notes was cancelled at the XXXX XXXX XXXX XXXX Bankruptcy Estate. The people who are on this assignment have committed fraud. XXXX XXXX was in bankruptcy and still is. I have XXXX illegal foreclosure judgments on me from bank of america. After a unlawful and illegal Judgment to Bank of America, they claimed to transfer the mortgage I do n't have to XXXX XXXX in XXXX 2013. I have filed a ID Theft claim and Affidavit with the FTC and my evidence along with my police report for mortgage Id Theft/fraud.
Product: Mortgage

I make partial payments to my mortgage company. Freedom mortgage 's automatic system does n't allow you to make partial payments. You have to make a full payment. Also, when that payment is made on the automatic system, you have to pay a {$10.00} fee. When attempting to pay with a representative, you can make a partial payment, but there 's a {$15.00} fee for them to process it. You also can not make a partial payment online either. When paying online or on the phone, you can not provide a credit/debit card #, you have to provide a routing/account #. I was furloughed and not able to make payments. I applied for their mitigation loss program. I allowed the 30 day period to review my documents. They denied it because i had n't had XXXX mos of payments. I 've had the loan since XX/XX/XXXX, but refinanced XX/XX/XXXX. I have never applied for the mitigation loss package, but apparently needed a payment reduction. They never called or submitted a letter or notification of the results of the mitigation. I called to receive that information. When I spoke with a rep about the denial, she provided other options that would all cause the payment to be accrued once I returned to work and would need to pay a double payment each month or close to a double payment, within a XXXX month period to become current and or apply for a loan modification again once, I reach my XXXX month period to do a loan modification. I would like to also mention, the refinance only allowed a {$30.00} reduction in payment. Freedom mortgage does n't offer any sort of beneficial help to the consumer and especially in a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXXI account : XXXX ( XXXX XXXX XXXX XXXX ) ( PLEASE UPDATE/REPORT THE CORRECT BALANCE! ) Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern ( TRANSUNION ) : PLEASE UPDATE MY CREDIT CARD REPORT DATE FOR THIS MONTH OF XXXX. THE OLD BALANCE OF XXXX IS STILL BEING REPORTED FOR MONTH OF XXXX. TODAY AS I'M WRITING THIS LETTER ITS IS XX/XX/XXXX. PLEASE UPDATE & CORRECT THE BALANCE to {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT BALANCE & DATE! The Current banlance being reported as of XX/XX/XXXX is not correct balance. That balance is not {$270.00}. In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update and report the correct balance for month of XXXX to {$49.00}. ( XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ACCOUNT ) to current. As I am writing this today, today 's date is XX/XX/XXXX. XXXX XXXX XXXX XXXX account : XXXX has reported a balance of {$49.00}. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Transunion have failed to update my CORRECT BALANCE. I have spoke with XXXX XXXX XXXX XXXX  and they said they have been reporting since XXXX all the way to the month of XXXX WITH A BALANCE OF {$49.00}, but when I check my credit report, its the wrong balance. The other credit bureaus are reporting the correct balance, so please do your job correctly and report the correct balance closing date balance. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX  account : XXXX I will sue you in court for Defamation of character. I HAVE DOCUMENT FROM XXXX XXXX XXXX XXXX  ATTACHED THAT CLEARY SAYS THE CLOSING STATEMENT BALANCE AMOUNT OF {$49.00}. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO THE CURRENT BALANCE OF {$49.00}. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Radius Global recently reported a medical bill on my credit report. Prior to reporting this bill on my credit report, they did not send me a 30 day notice to dispute. I am certain my insurance paid this bill, yet I was never given the opportunity to address this issue before Radius Global reported this item.
Product: Credit reporting or other personal consumer reports

Proof that this is an account that has belonged to me. When I reached out to the Debt company I was told this was a business account. I am not a business owner. I have sent Several Letters and notices to the credit bureaus including my ID, Prove of mailing, a copy of my identity theft report and a copy of my FCRA 605 form, I have had an identity theft alert on my account since XXXX. Per the account open dated being reported on my credit these account was opened in XXXX. Which means the alert did not serve its purpose. Also the credit bureau keeps adding an address to my account that I have never lived at. After research I looked up the address and that is an XXXX store. How can I possible live or be associated with a store.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. PayPal Credit has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end loan as late for any purpose. 

The dates XXXX, and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 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!
Product: Credit reporting

All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX I also have an account on my Equifax report that shows as XXXX XXXX as an authorize user and they will not remove it also. The creditor XXXX XXXX told me that they will remove it completely and after disputing to have this remove with Equifax they still will not move this account. XXXX and XXXX removed this account. The XXXX XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct the first XXXX and Equifax will not correct the second XXXX. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX I opened USAA credit card that ended as CANCELLATION OF DEBT see attatched XXXX XX/XX/XXXX. This secure data was used to open accounts I did not authorize. XXXX USAA CREDIT CARD POLICIES HAVE CHANGED SINCE XXXX WITH NO NOTICE SENT TO MY HOME ADDRESS. ) Disabled Members are NOT PROVIDED POLICY CHANGES. My home address is only contact on my profile of 37 years. USAA HOLDS ME LIABLE FOR THIS DEBT ALSO DESTROYING MY CREDIT SINCE XXXX. This is the only account I opened with usaa.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a request for the following inquiries and account : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX  to be removed due to not being authorized and violation Under FCRA 15 U.S.C S 1681 S 604. Permissible purpose of consumer reports 15 USC S 1681b. ( 2 ) Disclosure to Consumer. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible.

The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX