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

XX/XX/2023 RE : Requested wave from Late payment 30days from XXXX XXXX account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that XXXX Payment was paid. I continued to receive a message that I couldn't pay for it in XXXX XXXX, but I thought it was a wrong message. Later, I found out that Debit Card had a XXXX XXXXXXXX payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down over 100 points. 
I want to make a good credit and I will ask you to exclude the credit company.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am lodging a complaint with the CFPB to challenge the presence of fraudulent entries on my credit report. In line with the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any erroneous, deficient, or unverifiable details from my credit file. Upon scrutinizing my credit report, I came across multiple fraudulent items that were not authorized by me, and hence should not be included in my credit file. I hereby request for the removal of the following items from my Credit File as soon as possible, in compliance with section 605b of the Fair Credit Reporting Act : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XX/XX/2021. I have reported the fraudulent activity to the appropriate authorities and provided all necessary supporting documents. I urge you to investigate this matter and expedite the removal of these fraudulent items from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and Equifax are incorrectly reporting a State Tax Lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen back in 2021 I filed police report and I had my wallet bag and laptop in the car with my personal information inside also there was a security breach with equal equafax
Product: Debt collection

Portfolio Recovery has been phoning at all hours of the day and night.

In the past 16 day, they have phoned me week they have phoned me 7 times on these dates and times ( all times/dates are local to me ALL calls were in violation of government regulations : XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX  XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX  ) XXXX They never leave a message and when you answer, they hang up immediately. On XX/XX/XXXX, I advised the agent did she realise that it was XXXX? Her response was " no it 's not, it 's XXXX. '' They refuse to listen but instead want to violate federal regulations.
Product: Debt collection

THIS COMPANY HAS TARNISHED MY NAME FOR WAY TO LONG AND TODAY IT HAS TO STOP, THIS SCAM OF A COMPANY PINNED ME WITH A UNAUTHORIZED ACCOUNT THAT I HAVE NO KNOWLEDGE OF! IVE SENT IN MY POLICE REPORT, AS WELL AS MY AFFIDAVIT AND JUSTICE, HAS STILL NOT BEEN SERVED! PLACING THIS FRAUDULENT ACCOUNT ON A INNOCENT HARD WORKING INDIVIDUALS CREDIT PROFILE FOR NO REASON IS MIND BLOWING, SICK AND INHUMANE! IM A VICTIM OF IDENTITY THEFT AND THAT'S ALREADY TEARING ME TO SHREDS AS IT IS! I CANT FURTHER MY LIFE AND MY FUTURE BECAUSE OF NATIONAL CREDIT ADJUSTERS! I DEMAND THIS FRAUDULENT ACCOUNT TO BE REMOVED! THESE COMPANIES PREY ON THE INNOCENT, WEAK, POOR AND NORMAL HARDWORKING INDIVIDUALS! AND IT NEEDS TO STOP, I HAVE FILED ANOTHER POLICE REPORT AGAINST YOU BULLIES AND JUSTICE WILL DEFINITELY BE SERVED TO YOU ALL! NOT ONLY ARE YOU TARNISHING MY NAME AND REPUTATION BUT I CANT GET A HOUSE OR A PLACE TO STAY BECAUSE, OF THIS FRAUDULENT UNAUTHORIZED ACCOUNT, THIS NEEDS TO BE REMOVED IMMEDIATELY OR I WILL SUE NATIONAL CREDIT ADJUSTERS AND BRING YOUR COMPANY DOWN IN SHAMBLES FOR THIS HORRIBLE FRAUDULENT SCHEME!
Product: Credit card or prepaid card

I received an email alert from XXXX ( which monitors my credit reports ) that a new credit inquiry was shown on my XXXX report on XX/XX/2022. The inquiry was made by Bank of America. I called Bank of America and was told that someone applied for and was approved for an XXXX XXXX credit card. Bank of America said the application was approved but was not yet issued. I did not apply for that card or any other credit card. Bank of America is investigating.
Product: Mortgage

Wells Fargo foreclosed on my property. Did they foreclose because this lien was not properly released?
Product: Mortgage

My Mortgage was with XXXX and was sold to Shellpoint Mortgage XX/XX/2020. I have not been able to make a payment online nor have I been able to reach anyone by phone. When you call they transfer you several times to several different numbers and you never get an answer. No statements have been mailed to me to make a payment through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX regarding an old auto loan that I paid off back in XXXX. While reviewing my credit score, I noticed XXXX XXXX XXXX noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with Experian ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from XXXX XXXX XXXX as well as a letter disputing the information reported. Experian not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. Experian said the only thing I could do was keep filing disputes. 

I contacted XXXX XXXX XXXX regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against Experian for failing to investigate this properly especially with them allowing XXXX XXXX XXXX to change the charge off date by 5 years. I would like to file a complaint against XXXX XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT LAID OFF DUE TO XXXX  AND XXXX XXXX XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I call to Trans Union Represents to ask to remove inquiry which I never Authorized to these Company .I start seeing after there system crash I ask them to remove it please but he could n't help me to remove it .Please help me to remove this error in my credit file. He give me this file Number XXXX.Thank you
Product: Credit reporting or other personal consumer reports

Credit Colection Services AddressXXXX XXXX XXXX XXXX XXXX, XXXX, is violating my rights and the law. 
File NumberXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX 15 USC 1681i If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. 

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days.

Please remove the following accounts : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX  ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed .

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Regional Finance
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/1997 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX : Account Number XXXX, and another account with XXXX XXXX XXXX : Account Number XXXX, which have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Product: Credit reporting

MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute fraudulent accounts appearing on my credit report, and I am requesting their immediate removal in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

I recently reviewed my credit report and identified the following accounts as fraudulent These accounts were opened or incurred without my authorization or knowledge. I have taken the following steps to address this issue : Completed an Identity Theft Report via the Federal Trade Commission Under Section 605B of the FCRA, consumers who submit a valid Identity Theft Report and supporting documentation are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit report. I have included the following documents to verify my identity and support this dispute : 1. A copy of my government-issued ID 3. A copy of the police report and/or Identity Theft Report.

I kindly request that you : Remove or block the fraudulent accounts listed above from my credit report. 
Notify me in writing once the accounts have been removed or blocked. 

Please note that this request is time-sensitive, and I expect compliance within the statutory time frame outlined in the FCRA. If you require additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Attachments : Copy of Identity Theft Report Government-Issued ID Proof
Product: Debt collection

i have tired calling and sending all my collection debts about the college i went to had closed due to fraud and i was in that mess. i sent pdf flies of eveything about the closure of XXXX college and also sent them about me and my credit report and see how i can not afford it and how XXXX lied to me about me being about to have a lifetime job source through them and everything else that happen in the fraud case against them. they call me monthly asking if i can paid my full debt to them and i cant i have stated to them that i been also going through it with u.s. department of education cause they took my taxs i have private and fed loans behind a degree that is not credited for ..i cant even use it to get a job ... i cant use it to even go to another college and higher my education if i wanted to ... how unfair is that.
Product: Mortgage

Our real estate tax payments are included in our monthly mortgage payments to Select Portfolio Servicing ( " SPS '' ). Over the past approximately five ( 5 ) years, we have received tax delinquent notices from our town, stating that our real estate taxes have not been paid, or have been paid late by SPS. In fear of facing a tax foreclosure, we made all payments requested on the tax delinquent notices.

Over the course of several years, we have received 6 tax notices dated XX/XX/XXXX ( {$390.00} ), XX/XX/XXXX ( {$530.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$460.00} ), XX/XX/XXXX ( {$460.00} ) and XX/XX/XXXX ( {$160.00} ). We made all payments ( tax and interest ). We have copies of all notices. 

We attempted to resolve this with SPS on numerous occasions, via mailing a letter, sending in faxes and making telephone calls. We have yet to receive reimbursement. 

On XX/XX/XXXX, we sent a letter to SPS requesting reimbursement for tax notices dated XX/XX/XXXX and XX/XX/XXXX. We attached the tax notices. SPS denied our request stating that the taxes were current. 

On XX/XX/XXXX, we mailed a letter to SPS, requesting reimbursement for tax notices dated XX/XX/XXXX ( second request for this one ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We attached copies of the tax notices and cancelled checks proving payment. SPS never responded to our request for reimbursement. 

This has been an ongoing battle. 

On XX/XX/XXXX, we spoke with our town who stated that SPS has paid late in the past and some of the monies due were for interest on late payments. 

On XX/XX/XXXX, we also spoke with SPS, and they acknowledged that they had made late tax payments in the past. 

All we want is to be reimbursed for taxes and interest we had to pay because SPS failed to send our payments in or failed to send them in a timely manner.
Product: Credit card

Subject : Complaint Regarding FCRA and FDCPA Violations by Synchrony Bank I am writing to file a formal complaint against SYNCHRONY Bank for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, Synchrony Bank has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my credit score. 

Details of Violations : 1. Re-aging of Accounts : Synchrony Bank has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  each month 12 instances 2. Damage to Credit Score : Due to the repeated re-aging of these accounts, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$56000.00}. 

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with Synchrony Bank, the accounts continue to be updated monthly, further exacerbating the damage to my credit score. 

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 


Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/year>
Product: Credit reporting

XXXX XXXX has issued a late/missing payment remark on my credit report. The account in question is not mine ; it is my late step father 's. They claim since I was authorized user ( which is news to me-I have my own XXXX XXXX account ), they have the right to put this on my credit report. I think this is extremely unfair! I never signed my name to this account ; plus even XXXX XXXX states an authorized user ( if I was one ) is not liable to pay the account. So why is it alright for them to report my Dad 's account with a derogatory remark on my credit report? I think it is terrible to use my Dad 's passing as an excuse to do this. I would like their remarks removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX I got a letter from my insurance co stating that LexisNexis ran a report and gave me a score. On the letter I tried 2 times to order the report and both times after knowing I entered the correct information there recording says sorry we can not finish this at this time and disconnects me. The time on the phone with them is about 10-15 minutes so its very annoying. after sending them an email about what happened, they sent me a message that they would get back to me in 24 hours. that was XXXX and now its XXXX and I haven't heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit from Capital One ( https : //www.capitalone.com/credit-cards/  ) on XX/XX/2021 and was rejected. The rejection letter explained that my XXXX credit score is missing. I contacted XXXX ( XXXX ) and representatives told me that my credit score was available. However, XXXX agents told me they were not able to determine why Capital One could not extract my score. Anyway, Capital One told me to contact XXXX XXXX and XXXX XXXX told me to contact Capital One.