23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I moved from XXXX  to XXXX. I needed an entire house hold of furniture. I obtained several credit card loans from store credit cards. Guitar center, XXXX XXXX and Ashley furniture. I have paid all my minimum payments on time have not been late. Im in need of furniture for my son and I realized they cancelled all my credit cards with no notice. I have two mistakes that are being fixed and they said due to high balances when the balances are less than when I first got all accounts. Also I was lied to from Ashley furniture about paying off the balance by a certain date. They added all the interest and did not give me the opportunity to pay it off. No letter was sent. Also I cancelled 2 damaged chairs from city furniture and they did not credit back the card. There fore making my balance {$450.00} higher. I cant get anyone to assist I went into the store and contacted the customer service XX/XX/2020 and ended getting hung up on while she tried to transfer me. I want my accounts open why should I pay them if they did not keep their part of the bargain. I have a XXXX XXXX they did not close my account! This company I feel is discriminating against me. Im going to look into other rights I have to take measures against them. Especially during a pandemic how dear they treat customers this way.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or correction of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, DPT EDXXXX, US DEPT ED.
Product: Vehicle loan or lease

-Car was purchased on XX/XX/XXXX. All purchasing was completed ONLINE through XXXX app - Loan payment was made in XXXX online to bring account up to date - Wells Fargo denies claims that I enrolled in autopay saying account was not up to date - XX/XX/XXXX I open a letter telling of repossession and stating that the full principal balance is due -I contact wells fargo immediately and they claim they have called multiple times regarding loan ... they admit to calling THE WRONG NUMBER -My loan has 3 forms of contact on it with email proof of the 3 forms of contact, they refused to call the other number or email me -I spoke with XXXX who first claimed they dont call the 2nd number because " they dont like to bother people at work '' ... they he later stated that I never gave consent to call that number despite it being listed on the legal document. 
-Over the past 8 months Wells fargo has emailed me regarding credit card offers but not my auto loan, not even a receipt for an online payment... 
- On XXXX  XXXX, XXXX told me he would contact me with reasoning for Wells fargo not contacting the forms of contact that were given - On XXXX XXXX Wells fargo claimed they were sending me a letter regarding the final verdict on my loan. Today is XX/XX/XXXX, I have email proof that my notifcations/statements are to be emailed and mailed, yet I have received nothing Wells Fargo demanded a payment of over XXXX on XX/XX/XXXX without notifying me of how to pay or where to pay despite not sending me a final verdict on my loan. 
-Wells fargo has committed unfair business practices with refusing to contact me depsite having my contacts on a legal contract, refused to give me a verdict on my account and demanding a payment beforehand -Their website claims they provide a CURE letter to reinstate the loan and catch up on payment which i have offered and told them I can, yet they have refused this - Wells fargo reports they reported delinquency to credit bureaus for mid XXXX, yet wont allow for " CURE letter '' to occur despite contact to them 2 weeks later
Product: Credit reporting or other personal consumer reports

The other day I viewed my credit to find that there were a number of problematic and inaccurate information and inquiries. These inaccuracies are absolutely devastating and have sent me into an anxious spiral. I need my credit back in good standing in order to get business funding and keep my business abov ground and these errors are making that impossible. I need this corrected right away.
Product: Debt collection

Im checking on the validation from LVNV Funding on two accounts..
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 the aforementioned 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 the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My credit report tanked a few months ago with a negative report from Jefferson Capital Systems. They are attempting to collect a debt from 2022 from XXXX. This is a false claim. I have tried to dispute this via XXXX, XXXX, and XXXX however they are not resolving this for me. There is no proof that this debt is mine, nobody has provided me anything. I DID NOT open an account with XXXX in 2022 nor did I accrue these charges. Please help me remove this charge off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover did a hard inquiry on my report when i applied to preapproved offer which was preapproved hardest preapproval i ever had
Product: Credit reporting, credit repair services, or other personal consumer reports

I did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to XXXX. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my Experian credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection. 
Only if you look at small print it may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. 

I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company for removal of my record from their files. Explain it affected my credit rating. Their response was they still own my mortgage. Don't understand why. It was first loan mortgage and sold : Status Transferred, closed/Never late. 

Type Mortgage Terms 25 Years On record until XXXX XXXXXXXX Last date they reported my status : Date of status XX/XX/XXXX -- First reported XX/XX/XXXX Transferred to another lender which is my current mortgage company that reports my status to credit reporting agencies.
Product: Mortgage

I would like to file a complaint against Fay Servicing out of XXXX, TX. 
My loan transferred to them on XXXX XXXX, 2015 from XXXX XXXX Bank. XXXX XXXX transferred my loan with a lot of unanswered questions. 
I would like to know why my mortgage amount went from XXXX to XXXX, making it impossible to pay? Is that even legal? 
Also I met with some of President Obama 's Representatives from his XXXX Program at XXXX XXXX and XXXX in XXXX. They said that my mortgage was XXXX of the worst written ones they have ever seen. They said I bought my house for XXXX and have paid a quarter of a XXXX dollars for it so far and to make matters even worse, there is a balloon payment, a final payment for the entire amount of the note. How can my last payment be my entire amount of my mortgage? How could I even ever pay that? I 've paid XXXX for 15 years and owe more now than I 've even paid. How is that legal? They said it was purposely written so that I would never own my home. 
They also showed me where XXXX refinanced my loan twice and the XXXX settlements show my student loans being paid TWICE, totalling XXXX that are still on my credit report and never got paid. Where did all that money go? 
Why is it that no one is accountable for this? 
I ca n't get an answer from XXXX and in trying to, they escalated foreclosure against me. 
I have statements upon statements with astronomical fees applied for who knows what, since I have never been able to get an answer from XXXX. 
Fay Servicing says I owe XXXX. I 've already paid XXXX for a house I bought 20 years ago for XXXX. 
I ca n't get any answers from Fay Servicing and in fact they have escalated foreclosure against me. 
I am a single mother, I can not afford to hire an attorney to straighten this out and am very fearful that they are going to steam roll right over me and take my house since they have already started the process. 
I also reached out to the XXXX for help. 
Thank You, XXXX XXXX XXXX
Product: Debt collection

This account has showed up on my credit reports, I do not owe this amount to any XXXX XXXX XXXX 
I contacted the XXXX and the social they have on file for this account is NOT my social security number. 
This account was first delinquent in XXXX, I arrived in XXXX a few months ago. How could I have attended this school? Please delete this from my records. I am attaching my work permit so you can see I have been in the country since XX/XX/XXXX. 
I want this deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was informed by Innovis an security freeze will be activated which I requested due to inaccurate information my credit report. Innovis sent my credit report as my request on XX/XX/XXXX. I saw that Innovis was reporting the inaccurate information such as DOB XX/XX/XXXX which is not mines. Also they are reporting two other accounts XXXX  card service and XXXX XXXX XXXX. On XX/XX/XXXX I disputed with an letter stating the inaccurate and incorrect information and request proof with my signature. I received an letter from Innovis stating XXXX was deleted but XXXX XXXX wasnt, when XXXX XXXX had inaccurate information too. I was told the XXXX XXXX account came back verified with changes of my credit limit from {$1700.00} to {$1400.00} when this account has been closed for almost 5 years. Also my address and phone number are not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX Dateopened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX Balance {$24000.00}.
Product: Student loan

My bank sent a payment to Navient for the amount of {$350.00} on XX/XX/XXXX The payment posted to my Navient account on XX/XX/XXXX The remainder of the amount due was paid on XX/XX/XXXX to the amount of {$490.00} $ XXXX+ $ XXXX= {$840.00} That number represents my total monthly payment. Navient has again failed to properly process my payments and is now threatening me with late fees, deliquency and default. They were paid in full. They are incompetent and incapable of properly handling payment and accurately recording payments.
Product: Debt collection

XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} XXXX with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified XXXX Mail Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Certified XXXX Mail Receipt # XXXX :
Product: Credit reporting or other personal consumer reports

My identity has been compromised and there have been accounts opened fraudulently in my name.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX was part of the Equifax Data breach which impacted my personal information.
Product: Checking or savings account

I attempted to dispute a XXXX-related EFT through the online banking platform and could not select the EFT to dispute. I read through the FAQs and the FAQs did not address the topic. I provided feedback through a dialogue box. My only option was to call and to speak to someone. The automated voice prompt system could not understand me and when I did finally make all selections using the dial pad, the customer service center was closed. The last time that I attempted to reach someone through the customer service center, they were not available at XXXX XXXX XXXX XXXX XXXX XXXX. The secured message center is only accessible to read correspondence from BofA and is not received to accept correspondence. I needed somewhere to send a quick message to that would result in someone contacting me. 

I intended to dispute the following transaction : Posting dateXXXX XXXX, XXXX Description XXXX XXXX : PAYMENT ID : XXXX INDN : XXXX XXXX XXXXXXXX XXXX ID : XXXX WEB TypeOther Payment StatusCleared Amount- {$75.00} DescriptionXXXX XXXX : PAYMENT ID : XXXX INDN : XXXX XXXX XXXXXXXX XXXX ID : XXXX WEB Merchant name XXXX Transaction category Cash, Checks & Misc : Other Expenses Print transaction details
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  30 DayLate/Missed Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have 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 an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies and Errors in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies and errors I have discovered in my credit reports from XXXX, XXXX, and TransUnion. As a consumer, I understand that the law requires accurate reporting, and I kindly request that you take immediate action to correct these inaccuracies. 

Below, I have outlined the discrepancies I found in my credit reports : Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is evident that there are inconsistencies in the way my name is listed across the credit reports. The correct and accurate information is XXXX XXXX XXXX XXXX  I kindly request that you rectify this error by removing any variations and ensuring that my name is consistently reported as XXXX XXXX XXXX XXXX across all credit bureaus. 

Additionally, I have noticed that my date of birth is reported differently on the XXXX credit report. The correct date of birth is XXXX XXXX XXXX I kindly request that you update the XXXX credit report to reflect the accurate date of birth. 

Furthermore, I would appreciate it if you could conduct a thorough review of my credit reports to identify any other discrepancies or errors that may exist. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I trust that you will handle this matter promptly and efficiently. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute. Therefore, I kindly request that you complete your investigation and provide me with written confirmation of the corrections made to my credit reports. 

Please find enclosed copies of my identification documents, including my driver 's license and Social Security card, for your reference and verification purposes. 

I appreciate your attention to this matter and look forward to receiving written confirmation of the corrections made to my credit reports. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX XXXX XXXX XXXX XXXX. 

Thank you for your prompt assistance and cooperation. 

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

I have an accounts with a bank that has a late payment showing that was never late. I've been set up on automatic payment and no way could've missed any payment. The company has not removed the one late payment, I like the card and have been a great client for them but It is keeping me from getting a home loan. Pease help me to get this removed as it is not there due to my mistake.