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

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XXXX   XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously raised concerns regarding XXXX and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX  which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX Experian. However, XXXX has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my XXXX Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with XXXX, Experian, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with XXXX it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where Experian and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Product: Credit reporting or other personal consumer reports

A company called Affirm is claiming that a loan account was opened on XX/XX/year> for {$450.00}. No such account was ever requested. Notices are being sent to email with no supporting information. Affirm claims they can not find the account, after multiple attempts. 
The fraudulent account is negatively impacting credit scores.
Product: Debt collection

3-5 apparently machine generated phone calls per day from " Comenity Bank '' , using different phone numbers. After a while they have been successfully caller blocked since I have no business relations with that bank, as a former XXXX XXXX exec, did not know they existed. Today another phone call came through, not readily identifiable and I picked it up. I was told that I owe the bank " money '' for my XXXX account. When I told them that all my payments are made exclusevely to XXXX with my XXXX XXXX credit card the woman on the phone said, well, then you owe mone on your XXXX credit card. 
I told them that I do not have, never had, will not have a XXXX credit card. Then she said I am transferring you to the Fraud department. I was put on hold and finally hung up. 
I suspect that they then would have attempted to get all kinds of personal but for them useful information from me. 
Is this one of the XXXXXXXX criminal spam/phishing/fraud attempts? Has my identidentity been breached? Stolen?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Acct # 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 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.

15U.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. 

These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Credit card

I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed XXXX is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. 
My social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Vehicle loan or lease

We refinance our car loan with Kia Motors Finance through our local credit union. Our credit union sent the funds on XX/XX/XXXX and confirmed that the funds were received by XXXX on XXXX. We called on XX/XX/XXXX, XXXX and XXXX to confirm if XXXX had received our funds and applied the payment to our account as our payment was due on XX/XX/XXXX. We were told continually to call back to check. It was only XXXX that a 'ticket ' was submitted to look for the funds. Unfortunately, there is only a 10 day grace period, and the turnaround for the ticket was supposedly 5 days. The end of the grace period is the time for the turnaround of the ticket, which could affect our credit score.
Product: Credit reporting or other personal consumer reports

I am seeing inaccurate information from my report and i want it to be removed
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.
Product: Debt collection

I was called by a company saying that I owed money for an old account that I cancelled with XXXX back in XX/XX/XXXX. I made my last payment with XXXX, and this random collection agency called me day and night, I never got the agents name. They constantly would tell me they were going to put it on my credit and make sure it never came off. I told them they had the wrong number, and they constantly would harass me from XXXX XXXX XX/XX/XXXX, until I finally blocked them. I then saw that they said I owed {$800.00}, when I sent back the electronics that belong to XXXX after I used their services and made sure the bill was paid off. Also I never signed any documentation indicating that I owed money to this collection agency or used their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to 3 Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, Equifax and XXXX. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax regarding fraud inquiries on my credit report. I have also submitted a identity theft report from the federal trade commission which they keep saying they have not received. This report was attached to the letter I sent previously. I have advised Equifax several times that these inquiries are related to fraud. Equifax is violating the FCRA by reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i 've been trying to lift temporarily a security freeze with Equifax and they wo n't do it online nor on their telephone automated service ... they just tell me to mail it to them and hangup on me. i have had a credit freeze for many years and the other XXXX bureaus are all accessable online and by phone when i need them. but not equifax. not only do they loose my personal information through a breach but then deny me access to lift my credit freeze. I use to call a number to get a human being to help me but Equifax cancelled that line. " no longer in service '' XXXX. I used it last month to get my mortgage. Today disconnected. This is not customer service. 

How can i mail them a request when I do n't know when they 'll get the letter nor confirm they got my request and have lifted it. Why ca n't Equifax equal services that the other XXXX bureaus offer to consumers that are victims of fraud? Their answer is mail it? for what date? I need it TODAY! not in a month. They are really messing with me and with every consumer they just SHUT DOWN AND HUNG UP ON by the elimination of their phoneline to help us. 

Attached is a screen shot of their helpful information ... note that they give contact info and phone numbers for the other XXXX bureaus and ZERO for themselves. They need to be taught how to treat consumers.
Product: Debt collection

I'm having a hard time with Wakefield & Associates reporting a debt that was paid by my insurance company ( see attached statement ). I've called this company, disputed this with the credit company ( XXXX ) three times and Wakefield & Associates keep saying that the debt is correct, the balance owed to Empress after my insurance payment is {$90.00} that's being reported by XXXX XXXX XXXX. I would like for the two items to be removed from my credit report and I believe Wakefield & Associates is in violation and should be fined for this violation. 

Thank You for your help with this matter.
Product: Credit card or prepaid card

XXXX This card service have been charging me XXXX cents to check my card balance by phone and XXXX every time I make a transaction but dont have the funds or a company request funds that I dont have. The call it a nonpayment fee. Even if my account isnt being overdrawn. This month alone I have 18 denial fees. For transaction like XXXX or XXXX trying to receive payment. This seems very unfair and unethical. It also seem like they are taking money from my account. My bank statement doesnt match what they tell me by phone like transactions dates. They told me that my child support payment was deposited on XX/XX/2023 but online bank statements says XX/XX/2023 and I have non payment pos charges from XXXX on XX/XX/2023. None of this makes sense.
Product: Credit reporting or other personal consumer reports

In cfpb complaint XXXX I reported making timely payments on my XXXX mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!
Product: Mortgage

Unfair options to maintain home prior to and during foreclosure. 
Wells Fargo tripled my payment and would not accept partial payment to maintain home which was foreclosed causing financial ruin to this day.
Product: Credit reporting or other personal consumer reports

I have sent multiples letter to Experian, first one in XX/XX/year> and they kept my personal information the same, the second letter was sent in XX/XX/year> and they are still showing the wrong information on my credit report. 

On name these must be deleted : XXXX XXXX XXXX XXXX On Old addresses these should be deleted ( I DO NOT recognize these addresses! ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX
Product: Money transfer, virtual currency, or money service

My friend from out of USA contacted me to collect some amount from His client in USA, who gave him a Job via internet but can not transfer money to him ( it was an advance payment ). 
The client offered him the payment via check and my friend asked me to collect the same. 
I got the check and i gave that to the bank and waited for 4 days and bank confirmed that some amount will be available in the first day itself. 
Meanwhile the Client asked me to transfer {$2700.00} to another consultant here since it is not meant for my friend. I dont wanted to do this and do not wanted his money also, then he asked me to transfer it back through XXXX money transfer so i transferred it to him via XXXX through my bank. I did it for {$1500.00} and then realized that the check was not valid and I lost the money I transferred. 

The person contacted me via XXXX ( XXXX ) XXXX ( XXXX ) and also he has name as XXXX XXXX and the XXXX id/phone number he gave me is XXXX the bank code was XXXX The fraud check has the bank name - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX please let me know if you need more information thanks.
Product: Payday loan, title loan, or personal loan

Through affirm order product from XXXX  on XX/XX/XXXX ask to cancel they didnt did get back to me so now they have my money I have no product would like this cancel and money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX $ XXXX LIMIT {$500.00} DATE XXXX DATE OF XXXX XXXX ACCOUNT XXXX I SENT LETTERS EXPLAINING THIS IS NOT MY ACCOUNT NO RESPONSE FROM COMPANY IN OVER 3 YEARS, I WANT THIS ACCOUNT REMOVED FROM MY EQUIFAX CREDIT REPORT, NO ANSWER OR HELP FROM EQUIFAX BECAUSE I WAS PART OF THE BREACH WITH EQUIFAX I WANT ACCOUNT REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management , LLC shared my nonpublic personal information to credit reporting agencies ( XXXX, XXXX, Transition ) without my permission and shared that I owe debts with them without verifying with me I owe those bogus alleged debts.
Product: Mortgage

I was in forbearance with Prime Lending for XX/XX/2020 - XX/XX/2020. I was caught up on payments until I was approved for forbearance. I received a letter from Prime Lending dated XX/XX/2020 stating my forbearance would be ending soon. I sold my home on XX/XX/2020 and received a subsequent letter dated XX/XX/2020 from Prime Lending saying my loan had been paid in full. I received a notice my credit score had changed and I see there was a report made on XX/XX/2020 from Prime Lending for a delinquent account. I reached out to Prime Lending on XX/XX/2020 and was told that I would need to reach out to the credit bureau to fix the issue or I could submit a letter to Prime Lending with a copy of my credit report showing the error.