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

Due to my understanding someone reported false information an false address an date of birth on my XXXX credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all 3 credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my XXXX settlement i never received
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts, Experian still fails to Block as requested items identified in an FTC Fraud Report and Police report. Despite FCRA rules, Experian leaves items on my report more than the four days prescribed and simply verifies the debt with the creditor and notifies me repeatedly 30 days later that they have verified the debt despite a police report and the items remain. 

I feel Experian has violated FCRA 605B ( a ) and abused the authority in ( c )
Product: Debt collection

I have a collection account on my XXXX credit report that is inaccurate. It states I owe {$120.00} for a service I still have, that is open and active and I am making monthly payments. This is entirely unethical in so many ways. To have a collection account on an open active account that I have. I have called the originator and was told my account has never been put into collections. 

I would like this to be removed and deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC submitted a response to the credit bureaus and they changed the account closed date to  XXXX . This originally had the close date of  XXXX   XXXX  This needs to be changed back to the correct date.  XXXX  has the account closed with the wrong date.
Product: Credit card

On XX/XX/24, I received letter in my mailbox from BestBuy/Citi 's fraud verification department asking me to call in to verify if I was the person who opened the credit card account. I called in and told them very clearly that I DID NOT open any account with them and it must be fraudulent. They said they will close it immediately. 
On XX/XX/24, I received a letter dated XX/XX/24 that they will investigate on this fraudulent account. On the same day, I received a statement letter asking me to pay the amount of {$1000.00} that was used on XX/XX/24. 
On XX/XX/24, I received a letter dated XX/XX/24 stating that they have finished investigating and hold me responsible for the statement because they said they can not verify that the account was fraudulently opened using my personal information. 
On XX/XX/24, I called to to complaint this issue to ask them to reinvestigate, no response. 
On XX/XX/24, I called BestBuy/Citi again because the account is showing up as a delinquent account on my credit report. I have successfully disputed with the credit bureau. But BestBuy/Citi is not taking any actions and want to hold me responsible for them not doing their job correctly. 
On XX/XX/24, I called again and had them reopened my case. 
On XX/XX/24 today, I received a letter dated XX/XX/24 saying that they can not verify that the account was fraudulently opened using my personal information. I also received a new statement from BestBuy, having the total of {$1200.00} due to all the " late fees ''. 

Other than BestBuy/Citi bank , my identity was used fraudulently for XXXX and XXXX XXXX as well , but they were all able to solve the issue except for BestBuy/Citi. I did not even know about these accounts until I start receiving letters in my mailbox. 

As of now, BestBuy/Citi keeps on sending me letters and statements that I should not be responsible for, I want this issue to get resolved.
Product: Credit reporting or other personal consumer reports

I am writing to request information regarding the investigation conducted by Experian pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how Experian conducted its investigation into this disputed account 's accuracy. I submitted a dispute to Experian regarding the accuracy of the information related to the account mentioned above. I kindly request the following information : A detailed explanation of the investigation process undertaken by Experian, including the steps followed and the parties involved in the investigation. Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. The results of the investigation, including any changes made to my credit report as a result of the dispute. The date on which the investigation was completed. Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.
Product: Debt collection

XXXX XXXX XXXX. Told the person named XXXX on the phone to stop calling me at work and to call me at my personal number. 
XX/XX/23 - XXXX. He called again after telling him to stop calling me at work. I asked him to stop calling me and he confirmed he would continue to call me. 

Calls from XXXX
Product: Credit card or prepaid card

I filed a complaint with the CFPB on XXXX concerning my Fortiva XXXX Card which is financing a furniture purchase I made from XXXX XXXX XXXX XXXX XXXX on XXXX. I stated in my original complaint that my minimum payment of {$120.00} that was due each month was too much and I could not afford it. Plus this minimum payment was not what I was told I would pay a month on my furniture purchase.The Sales Representative in XXXX XXXX  XXXX XXXX XXXX did not give me an exact amount of what I would pay a month. The XXXX Representative just told me around {$65.00} to {$75.00} a month would be my minimum payment. I explained in my prior complaint to your institution that the Sales Representative lied to me and used deceptive sales practices on me when I made my furniture purchase from XXXX XXXX XXXXXXXX XXXX XXXX on XXXX. The Sales Representative even lied and stated that my XXXX XXXX XXXX Credit Card was closed and made me open this retail store credit card I now have with Fortiva. I explained in my prior complaint that I was willing to pay {$55.00} to {$65.00} a month as a minimum payment based off what my I paid a month on my XXXX XXXX XXXX XXXX XXXX XXXX that I still have with XXXX XXXX  XXXX XXXX XXXX which is all paid up. I received a response back from Fortiva through the CFPB on XXXX on the behalf of XXXX XXXX from Fortiva XXXX Credt that my new miminum payment a month would be {$63.00} based off what I explained was done to me by the Sales Representative from XXXX XXXX XXXXXXXX XXXX XXXX. Now I am seeing that Fortiva is stating that my miminum payment is {$110.00} a month when I was told by XXXX that my new minimum payment would be {$63.00} a month in his response to my CFPB complaint. I can not pay {$110.00} a month as a minimum payment as I am struggling to pay my bills a month as well starting from the XXXX pandemic up to now.I paid {$64.00} on XXXX to cover the minimum monthly payment of {$63.00} that was stated by XXXX XXXX that I would have to pay a month. However Fortiva is still stating I owe {$48.00} for this month as a minimum payment when I check my account online. I do not owe {$48.00} to Fortiva.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a XXXX XXXX Chase Freedom Credit Card and got approved. Upon receiving my credit card application approval, on another day, I was told that my account was closed ; supposedly because I have a poor credit history which isn't true and I feel I have been discriminated. I have had a credit card history for over 13 years with not a single late payment and always paid my debt. The other problem I have is they have lowered my credit because now on my credit report it shows that I have opened a credit card and it was closed from the credit grantee of which will surely affect me in doing business with other banks. This type of bad business practice should be stopped. They need to do the work before approving then deciding to have the account recorded to close while card is on its way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} AFFIRM XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting an error, Not my account. Please remove
Product: Payday loan

I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.
Product: Credit card or prepaid card

I have made several good faith attempts to pay this debt in full my issue is the following : Chime Bank has not provided a way to make payments on this debt. I have chatted with customer service representatives in the bank app. I've also made calls demanding a way to pay off my debt. No reasonable solution has been given for me to payoff this debt. I have no access to this account and Chime Bank refuses to offer a way to make a payment method to resolve debt. Please see attached correspondence with Chime representives.
Product: Credit reporting

I have a collection posted in my credit report Trans Union from XXXX account # XXXX for the amount of {$650.00}, I contact them and ask for copy of original documents, I dont have knowledge that this account belongs to me. I ask several times to TransUnion and XXXX Company to investigate this account but I only receive for answer that this account belongs to me.. How I know is mine, the company never provide a proof, any receipt or document sign for me. I Request of Production but they failed to send me those documents.
Product: Money transfer, virtual currency, or money service

My cash app account was closed as of today Wednesday, XX/XX/2022 I noticed my cash app account was closed when I tried to send my son {$15.00} for gas to get home I immediately contacted cash app support via chat and ask why is my account closed? The cash app bought stated due to adult activity. My uncle that is currently living in California sent me money for me and my mom to go on a spa date on my vacation. My uncle has a language barrier and understood what and why I Who wants it the money for because in our country we dont have day spas. With that being said that would be the transaction that cash app falsely accused me of and came to the conclusion of adult activities. although theres no consistent activities associated with that specific transaction that would determine adult activities.I asked the cash bot What specific transaction or activities was indicated In my account being adult manner nothing was said further or no evidence was Shown indicating why this action was made on my account. No investigation was even started until I reached out to the support team.it was super inconvenient to both me and my son seeing that this is more of the reason why we use cash app.
Product: Student loan

Loan service provider should be aware that court order dated XX/XX/XXXX has been uploaded for your review on this day of XX/XX/XXXX. Borrower will demonstrate to court that signature on consolidated loan application dated XX/XX/XXXX is invalid and can not be considered an electronic signature.
Product: Mortgage

I have been looking for a mortgage to purchase a home. Quicken Loans is relentless and forceful in the way they try to contact and make you get a loan through them. I have received > XXXX calls in the past few weeks and have had to block all the numbers they call from, and also told them to take me off their list. When i did answer, they gave no time to explain what i wanted or that i had already selected a loan from another lender. They pushed to to a loan officer and they still did not give me any time to just say " no '', that i did n't want a mortgage. After talking to someone i had no intention to for over an hour, they said they would do anything to beat my current rate. They gave me XXXX of a percentage point less of a rate, but with XXXX mortgage/discount points. When they proposed the deal, they had only told me that it would be a lower closing costs and lower interest rate, they never told me the discount points used to get the deal. I told them to email me the offer and i would look it over. When i said this, the loan officer said he wanted me to close it that day, without looking over the deal. This method is forceful, dubious, and should be illegal. They are trying to force anyone with any decency into a loan that is not the best option for the borrower, just for themselves. After looking at the deals and talking to other advisers, I found that the deal they had offered which they claimed was " better '' was basically screwing me over to get the loan. 

Long story short : Quicken Loans is a forceful, deceitful, company not looking out for the customers best interest when making life changing decisions.
Product: Debt collection

I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with   XXXX   XXXX   sheriff 's office. I had n't heard anymore until  X/X/ 17   when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.
Product: Mortgage

Wells Fargo is not a servicer on any loan related to us or our property and refuses to provide any information on why they are authorized to use our personal identifying information, credit information and financial information. We have no agreement with Wells Fargo. Wells Fargo has no agreement with any other party regarding any obligation or our real property. 
See our full complaint in the attached PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Mortgage

Noticed XX/XX/XXXX statement showed a balance of {$7000.00} ( 10.75 % ) and a monthly payment of {$480.00}. We called XX/XX/XXXX to ask for the payment to be corrected as the amount is not correct and reflects what we paid when we had a balance of over {$80000.00}. We were told it was delayed because the mortgage was transferred and we would get an itemized bill. Called back on XX/XX/XXXX and spoke to another representative who agreed the payment was wrong and escalated it. Called XX/XX/XXXX to follow up. Called XX/XX/XXXX because we told there would be a resolution and was told they re escalated it. Called XX/XX/XXXX to follow up again because there was no change reflecting on the portal and was told XXXX it should be resolved. Checked today with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of XXXX XXXX ( XXXX XXXX which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from XXXX XXXX. I proceed to call XXXX XXXX and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to XXXX XXXX on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.
Product: Credit reporting or other personal consumer reports

I was never late on the following accounts nor was I given 21 days notice Per 15 USC 1666b-a These accounts are inaccurately reporting late payments. 


XXXX XXXX XXXX  LATE PAYMENTS XXXX XXXX 30 days XXXX XXXX 60 days XXXX XXXX 30 Days XXXX XXXX 60 days XXXX XXXX 30 Days XXXX XXXX XXXX LATE PAYMENT XXXX XXXX 30 days XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX 90 Days XXXX XXXX 120 Days XXXX XXXX 30 Day XXXX XXXX  60 Days XXXX XXXX 30 Days XXXX XXXX 30 Days XXXX XXXX - XXXX LATE PAYMENT XXXX XXXX 30 Days XXXX XXXX XXXX XXXX  LATE PAYMENT XXXX XXXX 30 days XXXXXXXX XXXX XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX 30 Days XXXX XXXX 30 Days XXXX XXXX 30 days XXXX XXXX  30 Days XXXX XXXX  XXXX LATE PAYMENT XXXX XXXX 30 Days
Product: Payday loan, title loan, or personal loan

A plus loan is reporting inaccuratly, still shows charge off with a Balance when I have completely paid the loan off in XX/XX/3021 and was advised would take 30 days to update and will also be deleted from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion didn't remove inaccurate accounts caused by identity theft even though I provided them with FTC ID theft report and all sufficient documentation, in particular : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 WELLS FARGO DEALER XXXX XXXX. XXXX, 2020
Product: Debt collection

I have no knowledge of this account with National Recovery Agency nor do I have a contract with National Recovery Agency. They are violating my consumer rights by furnishing false information on my credit report. National Recovery Agency are in direct violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>