23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME CORRECT THESE ITEMS AND HAVE A PROPER INVESTIGATION ON THESE ACCOUNTS.

late payment inaccurate
XXXX  XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX  XXXX  XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
late payment inaccurate

XXXX XXXX XXXX XXXX
Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX
Account Number: XXXX XXXX USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated
and promptly removed from my report. It is my understanding that you are required to verify these items with
Product: Credit reporting, credit repair services, or other personal consumer reports

One year ago, I fulfilled my financial obligation to Goldman Sachs Bank by satisfying the balance on my remaining credit, which exceeded one thousand dollars, and closing my account. The bank representative assured me that my credit card was fully paid off and that my account was closed. Despite this, I was surprised to find that my credit report displayed a derogatory mark for the account which had been closed for some time, indicating a fee that was not meant to have been applied to a closed account. This has had significant and far-reaching consequences, hindering my ability to secure a new apartment and obtain employment, and even restricting my access to financial services such as car loans. Goldman Sachs Bank has severely impacted my life.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In late XXXX I had a hardship due to the hurricane that year. I called Wells Fargo and was given a work out plan. Instead of them putting the missed payments at the back end of the loan which other companies did they lengthen the process offering a modification which would have further extended my loan to a 40 year loan with a 6.75 % interest rate. When I declined the modification they explained over the phone that if I made payment and was behind just 2 payments it would avoid foreclosure. I expressed to the representative that I would make the payments which I did. I made two payments within two week of speaking to the representative. A few days later my payment was credited back to my account and I realized that something was wrong. When I called Wells Fargo I found out that I was in foreclosure. The representative had given me incorrect information and submitted foreclosure proceedings, in my opinion because I did not accept the modification which would have ultimately made the bank more money. Over the course of XX/XX/XXXX - XX/XX/XXXX I spoke with numerous representatives, most of them gave me conflicting information. An investigation was done and the Bank admits that I was given incorrect information but was not willing to accept responsibility or take my home out of foreclosure. I was harassed by people with my information and attorneys who wanted to either purchase my home or help me avoid foreclosure. Ultimately I was able to borrow money and pay almost XXXX which originally started off as few payments of almost XXXX. I would like a full investigation into Wells Fargo 's practices. They have been known in the past of shady practices and they obviously have not changed, they continue to take advantage of customers at their most vulnerable time. Please investigate the mortgage practices of Wells Fargo. I am expecting that this matter will be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX Names and variations not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers- Not mine- never used- FCRA Violation ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX inquiries - XXXX  XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Employer ( s ) * XXXX XXXX XXXX * RETIRED XXXX XXXX XXXX RETIRED XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian Consumer Dispute Center po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to CFPB Lawsuit Against Experian Re : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Experian File Number : XXXX Dear Sir or Madam, I am writing to formally dispute the continued inaccuracies and errors that appear on my credit report, specifically those related to the [ list types of errors, collections, late payments, etc. ]. These issues persist despite my prior disputes with Experian, and I am now compelled to take action in light of the Consumer Financial Protection Bureau ( CFPB ) 's lawsuit against Experian regarding inadequate dispute handling and failure to correct inaccurate information. As outlined in the CFPB 's enforcement action, Experian has been accused of failing to comply with consumer protection laws and mishandling consumer disputes, which I believe directly impacts my case. 

Items in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inaccurate late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As a consumer, I have the legal right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, to have accurate and complete information reported on my credit file. The FCRA also mandates that when a consumer disputes any information on their credit report, the credit reporting agency ( Experian in this case ) must investigate the dispute and make any necessary corrections within 30 days.

However, in light of the CFPBs recent lawsuit against Experian, I am particularly concerned that the errors on my report have not been corrected despite multiple attempts to dispute them. This situation is in direct violation of the FCRA, which requires credit reporting agencies to ensure maximum possible accuracy and rectify discrepancies in a timely and efficient manner. The CFPB lawsuit highlighted that Experian was failing to properly investigate disputes and remove inaccurate information, resulting in consumers, like myself, suffering from prolonged credit report errors that affect creditworthiness and financial opportunities.

Request for Action : In accordance with the FCRA and in light of the CFPB lawsuit, I request that Experian immediately : Properly investigate and correct the disputed entries on my credit report, which remain inaccurate despite my previous disputes.

Provide me with written verification that the necessary corrections have been made and provide me with an updated copy of my credit report reflecting these changes.

Take immediate action to ensure compliance with the FCRA, particularly regarding the investigation of disputes and the removal of inaccurate information as detailed in the CFPB lawsuit.
Product: Credit reporting or other personal consumer reports

Discover provides me with information on my credit report that is incorrect, inaccurate information! 
Discover account # XXXX Date open : XX/XX/year> Secured card : {$300.00} Highest amount {$440.00} Called with a good faith call to have it removed, with no success! 
This fraudulent account has been hurting my credit health for years. 
This is not my account, I have never had any such knowledge of this account! 
15 USC1681b Note : unfortunately at the time of the card being opened I was in fact XXXX  for past blunders!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX  who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to reopen my Case, Complaint number is XXXX!!!
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I received an alert from my XXXX credit monitoring that there had been a hard inquiry to my credit file made by Oportun but I have never used or even heard of a loan business called Oportun. I spoke with XXXX about the inquiry and they put a fraud alert on my credit report. I then spoke with Oportun and they found the personal loan application and they said that the personal loan application was cancelled due to client being unable to provide proof of ID. Oportun said their fraud department would be in contact with me and they were sending me a package of documents that they need me to look over and some to fill out. They said it would take up to 10 days to get those documents. That is where I am at right now.
Product: Credit reporting or other personal consumer reports

My XXXX  credit report states that MOHELA is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with MOHELA and XXXX. MOHELA stated in an email to me that it submitted a request to XXXX to remove the comment on XXXX XXXX XXXX and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with XXXX directly to no avail. 

I previously filed a complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau on XXXX XXXX XXXX  concerning this issue. The complaint number was XXXX. I also previously filed a complaint against MOHELA with the XXXX XXXX XXXX MOHELA responded to my complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. That response indicated that a request was submitted to XXXX on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against MOHELA and XXXX with the Consumer Financial Protection Bureau because the comment was removed from my XXXX credit report ( for a time ). However, I accessed my XXXX credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX I would like this comment removed from my XXXX credit report.
Product: Debt collection

I received a letter the first time from ULG United Legal Group on behalf XXXX XXXX XXXX for XX/XX/2022 in the amount of {$300.00}. Im not sure where this amount of fee is coming from or even the fee itself. I am disputing this. 

On Friday XX/XX/XXXX am I went on XXXXXXXX XXXX to search for a XXXX  to put up XXXX lights on my house. I reached out to three different groups three different companies called me back with a price. The female employee from XXXX services booked me for Saturday. She asked if I were calling around I said I was to see the prices. She was very pushy. No disclosure agreements fees anything signed off on the application was ever done. No XXXX hour penalty fee was informed or XXXX agreed-upon again, this was less than XXXX hours even if it was that and if there was a fee for a cancellation, I would never have a greed to hire them Before the end we of the day ( before XXXX ) my husband started his workers can put up the lights for free stated the installation for more than XXXX dollars to put up the lights is ridiculous. I called XXXX XXXX. They did not answer. I called and left them a message. In the morning, I called three other times and left a couple other messages. In the morning they had the man arrived at the same time the female employee called me XXXX, she was in the shower. She did not get the message till now and he was already on his way. I informed her I do not need their services. The female employee stated she was going to charge me for the services anyway. I stated to her I would not pay for services that were not done. I did reach out to her yesterday and all morning long. I stated no cancellation fees were agreed on. No disclaimers were made. I did not sign anything. It is not my fault she is incapable of doing her job by answering the phone to notify the job was canceled for her employee. I am not the fall guy for her mess up. 

The owner of Handyman services company should have some sort of accountability for his or her actions and work on better on their communication. 
Handyman services should make their customers aware of fees, stipulations before services are agreed-upon and scheduled. Documentation or a legal recorded verbal agreement Must be signed or completed by the customer.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I reached out to Afterpay via the hardship department about my loans totaling of about XXXX XXXX I was not past due at this time, payments were scheduled throughout the next six weeks originally before enrolling in the hardship program. 

I was told my payments were all paused while Afterpay processed the plan. 

Early morning of XX/XX/XXXX I received an email saying that the plan was approved, that my first payment would be XX/XX/XXXX and that no payments were due until then giving me breathing space A few hours later I began getting back to back charges totaling over XXXX XXXX from Afterpay, forcing me to freeze my debit card to make it stop. over the next few hours they would attempt over XXXX times to take the full XXXX ( XXXX as XXXX had been successful moments before causing me to overdraft ) The payments were never due, they were spread out until XXXX originally before the hardship enrollment. 

Upon enrolling in the hardship, there was an unexpected error ( afterpays words ) which caused this because it was entered incorrectly on their end. It had marked every single loan past due and changed every installment date to XX/XX/XXXX. 

Afterpay adjusted the hardship to its proper terms several hours later after several emails ( they do not have a phone number ) but are refusing to return the money that was wrongfully taken. They admit that it was a mistake on their end but will not return the money to me. I have emails proving this was a mistake that they admit. 

Afterpay refuses to return wrongfully taken funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the immediate removal of these items from my credit file.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiry to Be Blocked and Deleted 1. XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding a significant issue with my TransUnion credit report. I have identified a fraudulent account listed under " XXXX XXXX XXXXXXXX XXXX '' with account number XXXX, showing a balance of {$150.00}. To address this, I filed a dispute through USPS First Class Certified Mail ( Tracking Number : XXXX ), which was received by TransUnion on XX/XX/2023, as confirmed by the tracking information. 

However, it has been over 100 days since the delivery of my dispute letter, and I have yet to receive any communication regarding the initiation of an investigation or its outcome. This lack of response and action by TransUnion is, I believe, a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this fraudulent account on my credit report is damaging to my financial reputation and creditworthiness. Therefore, I urgently request your help in ensuring that TransUnion addresses my dispute seriously and conducts a proper investigation. It is imperative that this fraudulent account is removed from my credit report in compliance with the FCRA. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please inform me of any steps you are taking or require from me to expedite this process. 

Thank you for your support in upholding my rights as a consumer.
Product: Credit card

I had 4 fraud purchases on my XXXX Credit Card on XXXX from XXXX, totaling {$370.00}. XXXX said they would remove these charges from my account. I was notified on XXXX that XXXX would put them back on my credit card account and required videotape from XXXX of the purchase transaction. 

I filed a police report with the XXXXXXXX XXXX  XXXX on XXXX, Case No. XXXX handled by XXXX XXXX # XXXX. 

On XX/XX/24 I received communication from the XXXXXXXX XXXX XXXXXXXX by postcard saying " We have reviewed the information provided and determined further investigation is not likely to result in successful prosecution. Your case will remain on file, but the investigation is suspended. '' So I have no videotape of the fraudulent transaction to give my bank, and the police have done all they're going to do, and I'm still being charged for four fraudulent purchases.
Product: Debt collection

File incorrect information on credit report and refused to correct it. You making monthly payments and it 's saying you not by put your balance as monthly payment. We pay every month and it 's keeping you behind and report it. Midlands credit management refuses to correct the bad report and told me they would n't change it.