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

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent inforamation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX )
Product: Debt collection

Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is invalid, and I demand that they be removed from my report immediately. I remind you that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a quick and thorough investigation into this issue. I demand that you take immediate action to remove this account from my credit report and inform me of the steps taken to prevent this from happening again. XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXmilstone XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are inquiries on my credit report that didnt consent too. I would like them removed.
Product: Debt collection

This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.
Product: Credit reporting

My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled in XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX in XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.
Product: Checking or savings account

Around XX/XX/XXXX I noticed I wasnt able to log into my Chime account. It said the account was locked so I went ahead and emailed the provided address to get a hold of Chime to unlock my account. they sent me a QR code that led me to a verification page, but it wasnt working, they then told me I had to call, but since I was out of the country I had to wait until I was home. once I returned back home, I called them ( XX/XX/XXXX ) and they told me that my account was permanently closed. They told me this information without asking anything except my first and last name. I told them I had {$100.00} in my account to which they told me they cant tell me any information about my account but it was closed due to a violation of their policy. They were unable to tell me what policy and they were unable to refund me any money in the account. I have no idea what violation I made since I only had the account for a couple days and had made my first deposit. This seems illegal to close my account when no violation was made and to not refund any money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by an individual using XXXX through Wells Fargo. After fake emails/texts that were manipulated, we transferred {$300.00} to the scammer in order to complete the transactions ( which we were supposed to received {$300.00} ). Once I realized it was a scam and the money had been sent, I immediately tried to call XXXX to cancel the transaction but they said I had to go through Wells Fargo. So I immediately called XXXX and explained the situation, of which they opened a claim. Please know, as I was talking to the Wells Fargo agent, I still had the scammer on a text conversation. I tried to get XXXX and Wells Fargo to immediately trace/stop the transaction as well as block the receiving account, email address and phone number. Had someone looked into the email and phone number at that moment, this scammer could have been caught/flagged/punished. Instead NO ONE COULD DO ANYTHING and according to Wells Fargo, this is an " authorized transaction '' so they all wipe their hands free of the fraudulent activity. 

HOWEVER, Per the CFPB this transaction, even if negligent, IS NOT AUTHORIZED AND SUBJECT TO REIMBURSEMENT BY WELLS FARGO! Here is the exact language taken from CFPB specifically addressing my issue : " If you've been scammed with XXXX, you should contact your bank and report the loss of funds as soon as possible. Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions. In XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. If you've been scammed with XXXX and your bank refuses to return your funds, you can file a complaint with the CFPB, which forwards consumers ' complaints to financial institutions to respond. '' PLEASE GET MY MONEY BACK FROM WELLS FARGO WHO IS DENYING THIS CLAIM BY CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute letter to XXXX, Equifax, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I wanted reported accounts from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX removed
Product: Mortgage

From XXXX to XX/XX/XXXX, my wife and I worked with the XXXX XXXX XXXX to close on a house, which I currently resided in. From XXXX to XX/XX/XXXX, my wife and I worked closely with our XXXX XXXX XXXX agent, who worked at the XXXX XXXX XXXX. During this time, I sent multiple paystubs, applications, and documents ( to include my VA XXXX Letter ) to our XXXX XXXX XXXX agent. Unfortunately, we found out through our XXXX XXXX  XXXX agent that she was fired sometime between XX/XX/XXXX and XX/XX/XXXX. 
Because of this, the owner of the XXXX XXXX XXXX ( NMLS #  XXXX ) took over to assist us in closing on our future home throughout the month of XXXX, XXXX. Since the owner of the XXXX XXXX XXXX took over, we had to resubmit ALL of our documents to the owner of the XXXX XXXX XXXX via email and seemed like he was confused on the appraisal of the house. In order to ensure that the house appraisal was correct, my wife had to recruit the assistance of our realtor to provide the accurate home appraisal. I had multiple conversations with the owner of the XXXX XXXX XXXX to clarify my VA Rating being XXXX %, not XXXX %. The closing of our home was postponed and rescheduled two different times. Finally, my wife and I closed on our home on XX/XX/XXXX. 
In XXXX of XXXX, I received a letter from my current mortgage company, XXXX XXXX  ( XXXX. XXXX XXXX, XXXX, TX XXXX ), that I have an Escrow Shortage of approximately {$7700.00}. Sadly, XXXX XXXX only provided me 1 week notice that my mortgage payment increased from {$1300.00} to {$2000.00}. After multiple attempts, XXXX XXXX  was only able to provide a 3 year payment plan that decreased the {$2000.00} payment to now a payment of {$1900.00}. I also called the XXXX Tax Appraisal Office to figure out what happened. After discussing my issues with my agent, she explained that apparently when my house was being closed on, the original lender ( XXXX XXXX XXXX ) was using the wrong appraisal information. The agent also mentioned that my VA XXXX was wrongly inputted as XXXX %. I explained to her that I was rated at XXXX %. In the county of XXXX, veterans rated at XXXX % have no property taxes. Veterans who are rated between XXXX %, get a discount on property taxes. Because of this discrepancy, I now have an escrow tax shortage of {$6000.00} and an insurance shortage of {$1700.00}. All of this could of been paid off if my original lender ( XXXX XXXX  XXXX ) used the correct home appraisal information and used the correct VA XXXX Rating. Throughout this process, my family and I have incurred late fees and extra mortgage costs due to the XXXX XXXX XXXX mistakes.
Product: Credit reporting or other personal consumer reports

My husband and I have separate XXXX Accounts. I was an authorized user on his account for only one purpose, to pay his bill. When I noticed it was affecting MY credit report, my husband called XXXX to take me off as an authorized user. This happened a couple months ago. Then when I saw they still haven't taken me off as an authorized user, I decided to write you. I've never purchased anything on his XXXX account nor am I co-signor. This account is only HIS. Please find that what I'm saying is true and remove it from my credit report. 

Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have tried several times in the past 90 days to apply online at Payoff.com for an installment loan. Their system has experienced glitches not allowing me to fairly apply for a loan. Most recently the system has declined me stating that I was denied based upon a credit report from XX/XX/2018, which my credit has significantly improved since XX/XX/2018. I've attempted to reach out to Payoff to correct this and have received no responses most recently in XX/XX/2018. This glitch does not allow customers to properly apply as they legally are allowed to. The company has failed to address the issues and put measures in place to insure their process is fair and complaint.
Product: Mortgage

This has been ongoing since the Shellpoint Mortgage has taken over the servicing of our loan. The story is long but consistent. The short is we have a bi-monthly payment set-up with this company. We have always had our loan serviced this way as it works best for our budget. We have never missed a payment. According to Shellpoint,  their system requires an every other Monday payment schedule. I have called Shellpoint at least 20+ times regarding late fees and have been met with confusion but in the end the issue had been resolved for at least a few months until the letters start again about every 3 months. More phone calls made, the same response. This has gone on for 3.5 years. Finally, about a 1.5 ago, I spoke with someone who offered an auto payment plan that could put us on their schedule. I was always under the impression that the mortgage servicer could not change the payment schedule originally set up by the mortgage lender. but after years of frustration I finally caved. After 3 sign-ups with their plan and now a 4th, they still have not set up the plan and we are now getting threatening letters telling us about foreclosure and thousands of dollars of late fees and reports to credit agencies. I'm fed up and have no where else to turn.
Product: Vehicle loan or lease

XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX. 
Those dates are reporting on my account as being late but they werent and when I spoke with the company they assured me they would be updated in XXXX or XX/XX/XXXX, they were not, I spoke with someone else in XXXX and they said they cant be updated after theyve been put in. Im disputing that they were paid late and would like my account to reflect that. The account has since been paid off, but I still want the information to reflect the on time payment history.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

Westlake Financial has fraudulently taken $ 5,000+ plus from me. 

I requested a wet signature binding myself and Westlake Financial in a contract 15 U.S.Code 1692j 15 U.S.Code 1640 ( a ) DOUBLE THE FINANCE CHARGE for each violation 15 U.S. Code 1635 ( b ) not liable for any finance or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, any property to the obligor, the obligor may retain possession of it,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Debt collection

I received 23 phone calls from this debt collection agency, within the last 3 months. They call me while I am at work, it is a very frequent occurrence and it is very harassing and intimidating. I'm afraid to answer the phone when I receive phone calls because I don't know if they're calling from another number or not. I'm unable to answer the calls while I'm at work, and it's creating an air of panic. Every time I receive a phone call. It impacts my ability to do my job because I'm receiving these phone calls. I am unable to answer these calls because I'm working and the company will not stop calling me. It is abusive, unfair, and intimidating.
Product: Checking or savings account

Dear TD Bank Customer Service, I am writing to formally express my dissatisfaction with the handling of my recent dispute. On XX/XX/XXXX, I reported that I dropped my card and that several charges were unauthorized. The following day, I was informed that my dispute had been closed without a proper resolution. 

When I called again today, I was told that my claim was still open, yet there was no update on the status. I find it unacceptable that my concerns are being ignored, and I am frustrated by the refusal to properly address these charges. 

This situation has caused significant inconvenience in my life. I have been forced to call out of work and am struggling to manage my day-to-day needs. 

I urge you to reopen my dispute and take immediate action to resolve this issue. I appreciate your prompt attention to this matter.