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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting

the information on my credit score is all over 7-10 years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't XXXX take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part. I am reffering to the following accounts that have been reporting erroneoud information on my Credit File : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check on XX/XX/year>. They marked it as fraud. The check is from my employer. They let my family and I with no money. Currently have did nothing about this situation. I'm going to have dings on my credit from this.
Product: Money transfer, virtual currency, or money service

Could not approve external funds to be transferred to a Brokerage account
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  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.

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 card or prepaid card

Hello - I had a XXXX XXXX XXXX XXXX Credit Card, That was on a auto pay plan. The account was transferred to with out my knowledge to American Express however the auto pay was not. I became aware of this today and I brought the account current. They are charging me late fees and a higher interest rate because of the late payment, I think this is unfair.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent accounts and inquiries listed below be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft stemming from a data breach, these accounts and inquiries were fraudulently opened or made in my name without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX disputed an attempt to find out whom and what is item on credit report on XXXX No information received regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my XXXX  loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late. 

Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a PAANL ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws. Please send the results of this dispute and the updated credit report to the address listed above.
Product: Mortgage

To whom it may concern, i am seeking your help because it is over 2 years trying to get my loan modify with Wells Fargo and they never approved me for any type of resolution. Now that i decided to sell my home under a XXXX Short Sale. Wells Fargo keeps refusing to help me in order for me to avoid foreclosure. 
Please help since i dont know what to do. 

XXXX XXXX
Product: Student loan

I have a private loan through Navient, formerly XXXX XXXX. The original loan amount was less then XXXX in 2005. I enrolled in XXXX XXXX of XXXX but had to switch schools after XXXX semester. The program director left the office early so I was charged for XXXX full terms and the credits did not transfer. I am unable to refinance my loan and by then end of the term will have paid Navient over {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from commonwelath stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX, we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union and XXXX are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accessed my online Experian account, this morning ( XX/XX/2018 ) from a telephone call disputes, I had communicated to Experian 's telephone representatives on XX/XX/2018, in regards to incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Illinois XXXX documented onto my Experian credit file, in preference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the city of XXXX, in the XXXX of Illinois and in the zip code area of XXXX. I have received email notification that my disputes are any for review in my Experian account however, once I had clicked onto the hyperlink button, I always received a message as stated, " We're experiencing technical difficulties and can not access your report at this time ; please try again later '' these messages had occurred for few weeks now. I am unable to review Experian disputes results. I have sent Experian the appropriate identification copies as verification proof regarding their incorrect apartment number, XXXX documented onto my Experian credit file, instead of my correct apartment number, XXXX. See attached PDF files.
Product: Debt collection

I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX sinceXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, Equifax, XXXX, and XXXX. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a 30-day period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act. The List of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts below have violated my rights. 

XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # 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 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 crime 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 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

HI THIS IS XXXX XXXX XXXX Ferst of all my phone from XXXX XXXX XXXX XXXX all was hacked XXXX party line never coud not make an appcathoin right for work miss calls mesagis. next one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX - XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

My recent experience was just repugnant, unacceptable in paying off my balance. In XXXX, I paid off the remaining balance on my XXXX XXXX XXXX XXXX account ( XXXX ). In XXXX, I received a bill from XXXX  XXXX XXXX for XXXX dollar. I called and was told that there were interest rates carried over from two months ago, leaving a charge of XXXX dollar. Never in my 50 years dealing with banks and credit cards has a charge been issued after the balance was paid in full. 
On top of that, the way I was treated and hung up on by two different customer service agents was very disturbing. I do not know what your script is as a Comenity Bank card, Bread Financial, it was very distasteful, making me feel, I was abused for close to two hours and getting nowhere on the understanding of XXXX dollar interest rate ( fees charged ) was still on my bill after the pay-off. So, I investigated it. 
Yes, Comenity Bank charged me XXXX dollar for the missing interest, for which THEY did not calculate. Not only that, but they also did not even address it correctly. 
On my XXXX XXXX XXXX XXXX bill, XXXX dollar is added to the " Fees charged '' not the interest charged, with no explanation. 
( Fees charged XXXX XXXX charged XXXX ) The reason for this is Comenity Bank can charge you interest on that dollar if you do not pay it under Fees charged. 
If it were under the correct title, ( interest charged ) that dollar would just sit there forever because the financial institution can not charge you interest on interest ..... So, Comenity Bank not only charged me a dollar, but they can illegally keep charging me interest and late fees on top of that expensive dollar. 
This one-dollar issue needs the CFPB, as well as a XXXX XXXX XXXX XXXX I am sure millions of others, have the same issue!!
Product: Mortgage

XX/XX/2023 : applied for loan. 
Throughout XX/XX/2023 : XXXX XXXX said I would get tons of emails, texts and phonecards from mortgage companies because I'm applying for a loan and my information is public while a credit check is being done? Voicemails, texts and emails flooded my devices. Wrecked one of my phones with a virus. 
XX/XX/2023 : signed docs with notary, she stated loan looked " funny. '' Then there is a class action lawsuit for a cyber breach against Mr cooper. I had to freeze accounts!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

RE : XXXX Failed to validate alleged debt. Did not follow-up. 

XXXX tracking number : XXXX
Product: Credit reporting or other personal consumer reports

i was married to XXXX XXXX, she had an account with USAA a checking, a savings, and a credit card. she gave me a card in my name auth user only and was NEVER refelcting on my bureau. XXXX and i divorced XXXX and she has not paid her bill. now the delinquent account is showing on my credit report. I called them, they sent me a credit dispute form. I completed it and said the same, they replied with it is valid. They did not send a signed application manual or digital. THIS IS NOT MY CREDIT CARD