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

I had a late payment for {$8.00} in 2018 XXXX, I used to have auto payment directly from my bank 's checking account. However, since back then I was back in school and I was having a really hard time balancing between school and work, I did not have sufficient funds in my account and I missed one single payment for {$8.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

XXXX/XXXX XXXX, XXXX XXXX, COMENITY CAPITAL/XXXX, COMENITY/VICTORIA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is reporting 30, 60 and 90 late payments and based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Product: Mortgage

From day XXXX since I was terminated from my job of 4 years, I then telephoned Shellpoint and asked them for options where I can save my home in the mist of me loosing my job. I was able to be put on a deferment and a forbearance. I was clockwise with the calls and filling out the paperwork for me to still be in the clear until I was able to obtain full-time employment. I have paperwork still where I made arrangements with them so I could avoid loosing my home. When I tried to send in partical payments I was told that they needed to be the entire payments. Still I was very consistent to letting them know that I was deeply impacted by the Covid- XXXX and that my income was limited to none. This mortgage company then slid my mortgage into default and my house is up for foreclosure which was not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Product: Credit reporting or other personal consumer reports

I received a investigation results from TransUnion on the XX/XX/XXXX. Also another investigation results report on the XX/XX/XXXX. I got the investigation results for XX/XX/XXXX on XX/XX/XXXX in the mail. 
The investigation results received on XX/XX/XXXX is inaccurate and incomplete. Which is direct violation of 15 USC 168s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I know they are doing this intentionally. 
Now according to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer ( Me ) report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be incompetent or just didn't even investigate my dispute. It is always we didn't receive any information from the creditor. I sent the same documents from the creditor indicating the updates. I don't understand, because as you investigate my attached supporting documentations. You will come to find out. That XXXX and XXXX received all correct information. That XXXX XXXX XXXX XXXX XXXX sent directly. 

Lastly, the last investigation results report from XXXX. TransUnion has added a ( Original Charge-off ) to my credit profile. When the XXXX account was paid/closed XXXX balance. 
Also I have attached certifiable proof. That neither XXXX nor XXXX indicate a Charge-off or any Delinquencies.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. Or 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: Debt collection

This company Transworld system is collecting adept that I do not owe which is based on identity theft I have submitted them a document but still they are trying to collect the money from me which is an identity theft I have provided them with police report and FTC report but still its on my Credit Report. I need this to be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Experian is purposely and unethically preventing my credit score from raising above XXXX. This has been going on for a year ever since I made complaints about numerous issues regarding their credit reporting habits. No matter how many accounts I pay, account closures, new open accounts, or credit usage adjustments I make. Experian reports items late, not at all, does underhanded tactics right before positive account history or new accounts will appear in order to lower my score beyond a reasonable number just to bring it back up to XXXX. 

This company will not cease these behaviors. PLEASE TELL ME WHO TO REACH OUT TO. This has to stop. Its illegal. This is retaliation because I have made prior complaints and grievances regarding the FCRA. No other credit bureau is doing this. Who can help me because nothing is being done and I have no choice but to use a service that is taking advantage of me, my personal information, and my financial stability. I am open to a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 reporting or other personal consumer reports

On XX/XX/2024, I requested documentation from Wells Fargo Auto to verify the debt related to my account ( Account Number : XXXX ), as I identified discrepancies that I want addressed. The only response I received was a transaction list, which does not meet the requirements of the Fair Credit Reporting Act ( FCRA ). Specifically, Wells Fargo Auto violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that when a consumer disputes information, the credit reporting agency must conduct a reasonable investigation and provide valid documentation to verify the information. The transaction list provided does not include essential documentation, such as the original contract, proof of the debt, or evidence of any late payments.
Product: Credit card or prepaid card

Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has different notations on each of my XXXX and XXXX credit reports. 

Under 15USC 1681 ( a ) ( i ) I believe I am allowed to verify and correct any erroneous, inaccurate items on my credit profiles! 

XXXX has " collection/charge-off '' and XXXX states " 120 days late ''!!! 

I need these items deleted as they are harming my credit status and the purchase of a home!
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have had deposit accounts, a mortgage, and credit cards with Bank of America for the XXXX years. I am extremely disappointed by the negative impact I am having on my credit. 

I paid off my XX/XX/XXXX balance of {$5600.00} however it appears I was charged interest in the amount of {$34.00}. The interest fee wasnt paid as I thought I had a {$0.00} balance on this account. Once I realized that the bank was reporting me past due for bank the fees I decided I no longer wished to have this account. When I paid the interest fee I asked for my account to be canceled as the agent told me she wouldnt remove the 30 day late off of my credit report. 

Then, in XX/XX/XXXX, I was charged an annual fee of {$75.00}. By the time I realized the bank error, the bank was reporting me 150 days past due and my credit score had dropped nearly XXXX points. In XX/XX/XXXX, the fees and interest were paid in error by my bookkeeper as it makes no sense for me to pay an annual fee for an account that was supposed to be closed.
Product: Mortgage

I have had several complaints with this mortgage company. Funds were paid to the company on my behalf in the amount of {$34000.00}. I have ask for any elementary explanation of how the money was applied. The amount owed was {$27000.00}. I have ask how the funds where applied and where is the remaining amount. They have since sent me a spreadsheet with language only they would understand. I want it explained to me as if I was a XXXX XXXX XXXX  so it's clear where and how the funds were disturbed.
Product: Debt collection

I received an email from a collection agency, TrueAccord stating they were retained by LVNV, who they say bought the account from XXXX XXXX. I sent LVNV a debt " validation '' letter to assure that LVNV had the authority to collect the debt. I did not receive a response to my letter. 
They may have sent a " verification '' of the debt which does not validate they can collect the debt. They then retained XXXX XXXX XXXX to collect the debt. I received a letter from them in XX/XX/2021. I sent XXXX XXXX  XXXX a cease and desist letter. They in turn sent an inappropriate response of a debt verification they say I requested. They are in violation of the Fair Debt Collection Act, as they did not advise in their one letter they are allowed to send me 1 ) they were terminating collections, 2 ) they could invoke certain remedies 3 ) that they were invoking certain remedies. XXXX XXXX XXXX filed a debt claim against me on XX/XX/2021 which I received notice XX/XX/2021. I am considering filing a counter claim against them since they are in violation of the Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XXXX now it is XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from XXXX  and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.
Product: Mortgage

Please confirm that you and your current foreclosure retained attorneys are debt collectors in relation to their current collection activities regarding my loan. 
On XXXX XXXX, 2015 and XXXX XXXX, 2015, SETERUS, INC. 's, continued with the foreclosure proceeding by publishing notice of the foreclosure sale through their attorneys. SETERUS, INC. 's actions in publishing the notices of the foreclosure sale while a HAMP or other loss mitigation application was pending, is a direct violation of XXXX and XXXX of the Making Home Affordable Program Handbook and Regulation X, 12 C.F.R. 1024.41 ( g ). I do not believe SETERUS, INC., is taking reasonable steps to avoid an order of sale. SETERUS, INC., has the option of filing a notice of voluntary dismissal to allow the loss mitigation application to be evaluated. SETERUS, INC., was actually forbidden from doing any publications to the foreclosure sale because the publications can cause and can lead directly to a foreclosure sale on XXXX XXXX, 2015. Your foreclosure attorneys have also published the sale of the property on multiple marketing sights like XXXX to insure that the sale of my property occurs which I believe is also an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are FRAUDULENT! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.
Product: Debt collection

Pennicle recovery, inc was notified in writing that the debt they are trying to collect belongs to my exwife per court order as she is the primary ( first listed ) person in the account. Supporting documentation has been sent to Pennicle by certified mail that requests a signature in order to be delivered. I have received such documentation that supports that the documents were signed for via the United States post office. They continue to list me on the correspondences while attempting to collect the debt.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the following Scammers XXXX XXXX ( the Scammer ), DBA : XXXX ( the Scam Website ) XXXX XXXX ( the Scammer ), DBA : XXXX  ( the Scam Website ) using a telegram page XXXX XXXX and XXXX XXXX XXXX XXXX ( Telegram Page ) DBA : XXXX ( ( the Scam Website ) All of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services.
Product: Credit card or prepaid card

Synchrony Bank which finances the TJMaxx Rewards card closed my account today after XXXX months of having the card opened. I paid each month on time and actually paid it off recently. My credit score has gone up actually in the last month and a half because I have paid down a lot of my credit cards ( or paid them off ) and personal loans. The reasons the company used was that I did not have real estate in my name to secure the account ( which I didn't have when I opened the account 7 months ago ), that my balances are too high, which is not factual as of XX/XX/XXXX and if XXXX XXXX or XXXX is reporting such, they are reporting erroneous information because I have proof that I have paid down my debt. 

I contacted the company and spoke to a manager who opened an investigation and while discussing with her I informed her that this seems to be a pattern. I have other XXXX Americans who have made similar comments that Synchrony gave them credit on these store credit cards and around XXXX XXXX months later the card ( XXXX ) were suddenly closed after a big purchase like a house or car. I have also memory that I had a XXXX and Care Credit card that were in good standing in XXXX that they closed 8 months later after I paid them both off. 

This company is practicing discriminatory lending practices, issuing credit then suddenly after the cards are paid off, closing them without legitimate and factual reasons. At least if the reasons were valid when you approved me you can not use the same reasons to suddenly close my account, correct? And now it's happened twice. At least in XXXX, I owned a home that didn't suffice to secure to credit cards with a total {$1500.00}!!!!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

I contacted Consumer Real Estate Finance Co about obtaining a USDA loan to purchase a home. I was told I qualified and we started the process. I signed a contract on a house on XXXX XXXX, 2015. Since that time we have not closed, I have spent {$1800.00} for deposits, appraisals, inspections, etc and the mortgage company has not given us any closing date. We have had to extend the contract date XXXX and my latest expiration is XXXX XXXX. As of today my file still has not moved out of Underwriting and the mortgage company is not returning my phone calls or emails. They are also not returning my real estate agents calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are EQUIFAX, XXXX and XXXX continuing to reporting them.Please Help!