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

First off ... the balance being reported as of today, XXXX with all three credit bureaus is incorrect. It states my balance is : Real Estate USAA/XXXX MORTGAGE Last reported : XX/XX/2018 - {$120000.00} You stated on the response to my complaint : For your records, we are confirming that your principle mortgage balance as of XX/XX/2018, was {$120000.00}. 

*This needs to also be fixed with all the credit bureaus. 

I was to receive an email first regarding the information found by XXXX XXXX after speaking to him on the phone. He advised me that he would CALL me back.

Per all three credit bureaus ... they can not change my credit score per my VA mortgage loan through XXXX. This was told to me on the phone several times with the credit bureaus. Freezing nor not reporting after a complaint is a direct violation and shows once again ... retaliation on part of XXXX since this complaint is directed to XXXX, not USAA. I have never heard of such a thing, yet only a handful of payments have been reported since opening my VA mortgage loan. 

Per letter from USAA the final payments had been paid by USAA as a means to close the forbearance loan. This after USAA representative, XXXX XXXX misguided me and in turn, USAA did find XXXX XXXX XXXX negligent. I was also told that my payments would then start reflecting on my credit per month as I have been paying per month, that also included my credit score. I only show 4 payments ... most recent payment for XX/XX/2018 being shown per all three credit bureaus. I do not see one time any increase within my credit score on a VA loan that I have continued to pay monthly.

A mortgage loan should be one of the most single loans that can help increase your credit score. I have paid my payments on time ... yet it does not reflect any points per all three credit bureaus. This would appear to anyone to look as if I am in a rental ... no reflection of helping my credit at all. 

Retaliating against a Veteran .... when filing a complaint, ANY COMPLAINT, should be known to all those who hold a loan with XXXX, as well if connected with USAA. 
BUYER BEWARE! 

I will continue my complaints until this gets resolved. You may also want to contact each credit bureau on how reporting increases within each loan for consumer credit score works as they advised me on several occasions that the only ones who can  change credit scores is the reporting creditor. On my VA mortgage loan that would be XXXX or USAA. 

It did not take, but less than 24-hours for XXXX to fill out a form and submit to have my VA mortgage loan information corrected. Retaliation by you stating you will freeze any reporting for 2 months by my complaints to the CFPB is just that ... another retaliation. 

The next complaint will clearly show you the correct way that creditors report monthly payments. As XXXX XXXX has done with my loan for years. 

Sincerely, XXXX XXXX 17 year XXXX Veteran
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX  and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit card

On XX/XX/2024 while traveling in XXXX, Florida from Michigan I went into a XXXX to buy items totaling {$12.00}. This was also the day I was leaving to go to the airport in which I took an XXXX. Out of the entire trip in XXXX that was the only transaction involving a card reader where I inserted my card to purchase. A lot of stores accepted XXXX XXXX and the only transportation I used was with XXXX which was done directly on my phone and never was paid with card or anything. The merchant in question is reported as XXXX XXXX XXXX XXXX FL for {$330.00}. The nature of the merchant according to bank of Americas description page is saying XXXX XXXX XXXX XXXX I asked for information on the merchant. I opened XXXX fraud disputes on this transaction alone. My card was not taken out of my possession, I still have the card in my possession but never did I use it for this transaction. I never took a taxi and I surely wouldnt have spent {$330.00} on a taxi ride when I remained in XXXX in the same block of the hotel the entire trip and only left when I was heading to go towards the airport with suitcases in hand using an XXXX. They are saying I inserted my chip, which again out of the entire trip the only time I inserted my card was at the CVS. This is beyond frustrating with Bank of America as they have done XXXX research into the claim and their only research is a chip was used. Even when I asked them additional information on the merchant they said the merchant doesnt have an email, phone number, address of business, nothing. How does this sound credible? I am so frustrated as I never provided my information, this is completely fraudulent and they are not assisting.
Product: Debt collection

I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXXXXXX XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

My personal information has been compromised by XXXX data breach as well as XXXX XXXX and trust. Ive also had fraudulent accounts open with XXXX one that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information. To my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX it's been 60 days and they haven't responded, this affects accordind to the law section XXXX they must remove evrything that is not verified from my credit and i am a victim of XXXX  data breach XXXX on XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. from my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : 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 And hard inquiries including 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 I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries were fraudulently placed on my credit reports from bank of america. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Payment was A little late Made the arrangements And they Still Call me 7 times a day from Different Area Codes Every day is Getting Me and My Wife Really upset About this i had Never seen Such thing like this ...
Product: Credit reporting or other personal consumer reports

I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH LVNV FUNDING LLC ; THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED. I ALSO SENT LVNV FUNDING LLC A CEASE & DESIST LETTER STATING IMMEDIATELY TO CEASE COMMUNICATIONS CONCERNING THE COLLECTION OF THE DEBT.
Product: Debt collection

XX/XX/XXXX & XXXX received voicemails from a company claiming to be XXXX XXXX  and tells me to call them back at ( XXXX ) XXXX. I do not have outstanding debt and never received any written notifications claiming overwise. I do not want to engage in case it is a spam call
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items appearing on my consumer report, as maintained by your agency pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. After a thorough review of my consumer report, I have identified several inaccuracies that require immediate attention and correction. 

Personal Information Errors : I would like to bring to your attention to the inaccurate items listed on my consumer report. 

XXXX. ERRORS WITH MY LEGAL NAME : XXXX XXXX XXXX XXXX XXXX XXXX are incorrect. My true and legal name is XXXX XXXX XXXX. This discrepancy may impact the accuracy of the information contained in my consumer report. Therefore, I kindly request that my correct name be updated and reflected accurately in your records. 

2. NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. INNACCURATE PHONE NUMBERS ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX In light of the aforementioned inaccuracies, I hereby request that your agency conduct a reasonable and thorough investigation into the disputed information. Specifically, I kindly ask for you to verify the accuracy of the disputed information and provide me with a record of the current status of these items. Alternatively, I request that you remove the items entirely from my consumer report if they are indeed found to be inaccurate. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you have a legal obligation to investigate consumer disputes within 30 days of receipt of this letter. I therefore expect a prompt response outlining the steps taken to address my concerns and to rectify the inaccuracies identified. 

Enclosed with this complaint, please find copies of supporting documents that further validate my claims and assist in your investigation. This includes copies of official identification documents, such as my driver 's license, that clearly indicate my correct name, as well as proof of current and previous addresses.
Product: Mortgage

I paid an escrow shortage for my mortgage in XX/XX/XXXX of XXXX as requested by US Bank Mortgage to keep my monthly mortgage payment low. According to my statement my new amount would be XXXX starting XX/XX/XXXX. US Bank misapplied my payment which resulted in them sending out another letter in XXXX of XXXX for additional money still stating I had an escrow shortage. I spoke to XXXX on XX/XX/XXXX and he opened an escrow task and assured me the problem was on their end and would be corrected by the end of XXXX. I received yet another statement in XXXX stating there was still a shortage and that my payment would be increasing unless I paid more money. Even if I paid the claimed shortage, the new monthly payment will still be higher than what I was told back in XXXX. I called again on XX/XX/XXXX and spoke to XXXX and she basically informed me the last escrow analysis was correct and there was nothing she could do for me...... ..I 'm being penalized for a mistake by US bank and someone needs to correct it. I'm retired and on a fixed monthly income and every dollar counts ... ......
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  credit card was charged off and sold to CKS Financial in XX/XX/XXXX. On XX/XX/XXXX I called CKS Financial to see if they offered a settlement to pay the account. At the time, the account was not reporting to the credit reporting agencies. Before I made a payment, I asked the customer service rep if it will report to the credit reporting agencies in the future and she replied no since it was not already reporting. I asked agent if she could send me a letter stating that. I was told after I make the payment, I would receive a letter via email stating it would not report to the credit bureaus upon settlement. On XX/XX/XXXX, I received a document to my email from CKS financial administrator, but it was not a statement saying it would not report to the credit bureaus, instead it looked to be a confirmation of my agreement to debit my checking account and showed my payment amount of {$450.00} and balance {$0.00}. I also received a letter via mail that showed my settlement amount and stated my account was " closed ''. 

6 months later I received a credit monitoring alert I had a " new collection '' on my XXXX credit report. CKS Financial had inserted the settled account on my credit report under the name CKS Prime Investments , LLC and listed the account type as " open account '' and listed the closed date as XX/XX/XXXX. I called CKS in XX/XX/XXXX and spoke to a manager. I disputed the Account being " open '' and the date they were reporting the account closed. The manger told me if I would pay the " difference '' between the charged off amount of {$720.00} and the amount I settled, {$450.00}, She would remove the account from my XXXX report. I declined the offer. CKS never put a dispute remark on my credit report as required by the FCRA. 

When I applied for credit recently, I was denied based on an " open collection '' on my XXXX report. CKS Prime Investments , LLC is the only collection on my credit report, and it says it was updated in XX/XX/XXXX and still says its " open '' with a close date of XX/XX/XXXX. 

This inaccurate reporting and failure to let creditors know I disputed this information has cause me financial harm by preventing me for applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit 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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion 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 : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Mortgage

In XXXX 2017, I wrote to all 3 credit bureaus asking them to update the status of my mortgage account with Wells Fargo. The house has been sold but it still reports as open and past due. It has not been updated since XXXX 2017 but there are " unpaid '' remarks for each month past that. I reached to WellsFargo I got no response.