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

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 XXXX XXXX sent me a XXXX, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a XXXX Card in my name. SInce XXXX effectively canceled the debt by issuing the XXXX, they can not report a balance or past due amount on my credit report. I disputed this through Equifax, which XXXX verified the balance and past due amount, there by violating the FCRA as since the issuance of a XXXX cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. XXXX  is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is La XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 1. Account Name : USDOE/XXXX  Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have provide proof Over and over and they have refused to delete XXXX account. 

They haven dont ever a resible investigacin. 
No proof of contract signed or nothing.

Violation under the fcra section 1681i And section 609 They have received ftc reports and affidavits to.

Please me advise CFPB all 3 credit bureau they will responde they working on it bout is not true they. Will just live document there and they wont delete fraud account. And they refused to delete fraud account.

All I ask to resolve this matter to get this account deleted from my report nothing more nothing less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting e-mails from Experian wanting me to sign up for 30 days free credit monitoring due to XXXX XXXX XXXX. After 30 Days they want you to pay $ XXXX/month. 

They indicate that they will do a one time Dark WEB scan and report if there are issues involving my information. What do you think the results will be, if they scare even a small percentage of 150 million people into buying their service they will make millions because another credit rating agency XXXX XXXX. 

It seems to me they are taking advantage of a bad situation and scaring people into buying their service, this does not seem right to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX. There is 1 Inquiry dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
Product: Debt collection

View all accounts XXXX XXXX XXXX XXXX Opened XX/XX/2019 - {$150.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$150.00} Highest Balance {$150.00} Opened XX/XX/2019 ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX see an error? 

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/2019 - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$2700.00} Highest Balance {$2700.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by the consumer meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX see an error? 

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Mortgage

My wife and I purchased a home in XXXX, MD on XXXX XXXX of this year. The original lender, XXXX XXXX, XXXX XXXX Lending, subsequently sold the mortgage to Stearns Lending, LLC. To ensure that our mortgage payment was made on time, we set up an automatic bank deduction with the loan servicer, XXXX. That arrangement was corroborated by a letter from XXXX on XXXX XXXX confirming that the initial draft against our specified bank account would be drawn on XXXX XXXX. However, for unknown reasons that did not occur. We assumed that at some point the deduction would be made as per our instructions and waited for the debit to appear. When it became clear that the transaction due in XX/XX/XXXX did n't occur I contacted a Stearns agent in an effort to resolve the confusion. She informed me that we had authorized making a double payment instead of paying in XXXX separate installments, which we preferred to do. The Stearns agent accepted our request indicating it was okay void one of the payments. That would have kept the mortgage current. However on or about XXXX XXXX we received notice from Stearns that our loan was in default. When I subsequently contacted Stearns, I was told by a collection agent that no payments were made and that the original information provided by Stearns was incorrect. It turns out that all the attempted payments were inadvertently cancelled. Sensing that our credit was in jeopardy I immediately brought the mortgage up to date by making two payments. However, checking our credit score this week I noticed that it had dropped XXXX points in the last month to a " not good '' rating. Looking at the actual credit report I see that Stearns reported that we were 30 days delinquent in making our XX/XX/XXXX mortgage payment, even though we tried in good faith to do so. This unfortunate situation could easily have been avoided had I received adequate notice from Stearns that a technical default was imminent. Our credit report shows no previous mortgage delinquencies in our history and that we have always been up to date with these payments. A low credit score has consequences in terms of obtaining additional credit and possible employment. We believe Stearns ' action has tarnished our reputation and that as a remedy the company must correct the delinquency report to the appropriate credit reporting agencies. Premature delinquency reporting is an unacceptable tactic that amounts to harassment causing considerable emotional stress. Incidentally, no late fees were imposed during this entire period indicating that no delinquency actually occurred. We have also filed a complaint with a credit bureau which is investigating the matter. Thank you in advance for your consideration.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The NET CREDIT ( a/k/a NC Financial ) account on my XXXX credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but XXXX continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified XXXX of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. 

XXXX has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. 

I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( NC Financial ) fraudulent practices and numerous other formal complaints against this company. 

If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against XXXX and Net Credit aka NC Financial for a proper resolution, which will include my attorney 's fees and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax XXXX and XXXX report are showing an XXXX XXXX account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from XXXX XXXX showing this late payment has been corrected and REMOVED. 
I am attaching my Equifax and XXXX  report and letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for an purpose.
Product: Mortgage

Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a lost wallet and there have been unwanted advances in ur business. This was not me, please stop immediately.
Product: Credit card or prepaid card

on XXXX new Bank of America credit card was opened in my name and the confirmation was sent to my wife 's email address ( XXXX ) not mine. My email is XXXX. My wife dose have a Bank of America credit card in her name. They did a hard inquire of my credit and it showed up on my credit report. 
I called Bank of America to cancel the card and my credit report ( XXXX ) to have the hard inquiry removed. I don't know if anything else has been compromised. Below is the email that we received. 


From : Bank of America XXXX Date : XX/XX/2023 at XXXX AM EST To : XXXX Subject : Notice : Your Credit Card Has Been Approved Reply-To : Customer Service XXXX Bank of America Your credit card application has been approved XXXX XXXX, We're happy to XXXXet you know that you've been approved for the BankAmericard credit card. In the next 7-10 business days, you'll receive your new credit card in the mail, along with important information about your account, including your Credit Card Agreement, account benefits and details, and information on how to manage your PIN.

Please review and save this information. To activate your card, follow the instructions that come with your new card.

Important note : If you requested a balance transfer with your credit card application, please continue to pay your other lender ( s ) until you receive confirmation on your first statement that the transfer has been approved and completed to avoid late fees or delinquency. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice Equal Housing Lender Bank of America , N.A . Member FDIC 2023 Bank of America Corporation
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, XXXX has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to XXXX 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about XXXX 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that XXXX adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to XXXX, XXXX and Equifax dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.
Product: Student loan

I have received numerous phone calls f rom Discover Student Loans. T hey keep calling from the following number  XXXX . When I do answer the call no one speaks and they just hang up. I had to block this number due to the repeated calls.
Product: Mortgage

I am having trouble with getting a loan modification completed with my Morgage Company ( Nations Direct Mortgage ). I submitted a request to be taken off of forbearance back in XX/XX/2020 when I went back to work from being furloughed. I was originally told we would receive a package in the mail that we would fill out to complete the mitigation & that options would be provided to us for the repayment of the amount we owed for the two months forbearance we applied for. That package never came so I contacted them again asking for it to be emailed in which they said they would do. Still no email was sent. XXXX morgage statement was sent to us with the full amount due for the two month plus current months mortgage so we promptly called again because now it was reflecting derogatory on our credit report. The rep that assisted suggested we email XXXX To voice our concerns with them reporting late payments to the credit bureau since we had not rightfully been given the opportunity to repay the amount owed. He mentioned that our account was not late because it was their delay in getting the mitigation 's settled & not to worry he would send in a request as well on our behalf. He also stated at that time we were under review & should revive an answer with the next week because it had been 30 days. Fast forward to XXXX still no response had been given to us other than our account was under review & still waiting to be processed. We have called week after week to try to get this resolved and no one can assist. We wait on hold for hours while they " review the account '' then they say it's been passed to a manager & they will contact you in which they never do. I have called every month & can not resolve this. We are now well past 120 days of waiting to settle our mitigation. It has gotten to the point where they have stopped allowing us from making our monthly payments on the portal because they state the account is under review & that's been for two months now. We had to set up bill pay with our bank in order to send them our money. I can not spend anymore time or emails in getting this resolved. I need your assistance please. I have uploaded various attempts in us contacting them even up to today when I sent a screenshot of my call log where I waited 17 min on hold before they hung up on me while they were supposedly " researching the account ''
Product: Credit card or prepaid card

I have my card for 6 months and already have 3 late fees First they nevet sent me an statement and I was late the first payment they charged me XXXX dls Second I was clear that my payments were the XXXX of the month, they said is the XXXX now I have 2 more late fees or XXXX dls because I paid the XXXX I ask them please to enrolled me in automatic payments so I dont miss payments they said they dont have that service I ask them I was late only for one day based in miscommunication and they say is not a company concern Im broke I work 2 jobs and my late fees are already XXXX dls and my payment is XXXX Im paying more in interest than to my bill Please help me, the company is inflexible
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the following inquiries to be made : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I have repeatedly contacted capital one to have a new debit card mailed to me and It wont allow me to transfer funds that of been sitting in my account for over a month every time I call they send me to an answering machine Ive left at least 25 messages no one has called me back I cant access my Social Security XXXX and I now can not pay my landlord rent. I can not withdraw funds purchase funds view my statements and I try to pay my bill online using this app XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank Of America Credit card shows open and that I have missed payments monthly. However, it closed over 3 years ago and a payment plan was put into place for this card. I would like all the missed payments removed and corrected on the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach in which many people has personal information stolen. I was one of these people and this could be considered the released on personal information without my consent. This information being made public can cause problems in the long term, including identity theft which could damage my credit score and finances. Even is no identity theft occurs, private information being made public without the permission of the individual is unethical and violates our liberties. Please look at all the facts regarding the Equifax case and ensure that victims see justice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.