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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address my dissatisfaction with the multiple unsuccessful attempts I have made to dispute fraudulent items on my credit report and to request expedited removal of these inaccuracies. The continued presence of these fraudulent items is causing me significant distress and adversely impacting my financial well-being. 

Despite making many diligent attempts to dispute these fraudulent items, they persist on my credit report, tarnishing my creditworthiness and making it difficult for me to access financial services and opportunities. 

I initially brought these fraudulent items to your attention, providing all necessary documentation and evidence to support my claims of their inaccuracy. However, to my disappointment, my dispute was denied without a thorough investigation or clear explanation. 

Subsequently, I made additional attempts to dispute these fraudulent items reiterating the evidence of their fraudulent nature. Despite my persistence, these disputes were also met with denials and delays, prolonging the negative impact on my financial standing. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit report. These inaccuracies not only damage my credit score but also undermine my financial credibility and integrity. 

Furthermore, I request that your institution enhances its dispute resolution process to ensure that legitimate disputes are thoroughly investigated and resolved in a timely manner. It is crucial for consumers like myself to have confidence in the accuracy and reliability of credit reporting systems. 

Please provide me with regular updates on the status of my dispute and the progress towards the removal of these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$770.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXXXXXX 7 ) Dept of ED/ XXXX {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX  {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX   XXXX {$21000.00}
Product: Debt collection

I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating my credit report.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Experian, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to resolve with XXXX XXXX XXXX ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - present day XXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

XXXX XXXX
Product: Credit card

On XX/XX/year> I made a payment to my Citibank account through the mobile banking app. I wanted to make a payment of {$80.00}, but on the app two options were somehow selected. The " make a custom payment '' option and the " pay the remaining balance '' option, I deselected the " pay the remaining balance option '' and continued thinking that my " make a custom payment '' option would go through. The {$80.00} payment did not occur and I instead unintentionally paid off the remaining balance of this credit card, which I did not want to do. I immediately called Citibank and let them know my mistake and was told that this would be corrected and that the overpayment would be returned to me so I could make the correct payment. What happened instead is Citibank deciding to close my account after an honest mistake that I attempted to correct. I was not contacted about this closure and only learned it after attempting to make a second payment on my credit card on XX/XX/year>. I contacted Citibank and was told that I should have received a letter, but I have not. I would not expect to receive a letter since I've signed up for paperless billing anyway. A representative directed me to the letters and statement portion on the Citibank website, this section of the website also did not contain a letter with the reasoning for my account closure. I only learned of my account closure over a phone call with a representative. I am a young adult and this random account closure will have lasting affects on my credit score. If I had known that asking for the overpayment to be returned would have resulted in my account being closed, I would have just allowed the overpayment to go through and paid off my credit card to avoid an account closure.
Product: Mortgage

I want to file a complaint. For alledge [ Loan fraud, Forgery, Identity theft, Bad faith dealings, Deceptive and Misleading information and Breach of Fudicuary duty ] against XXXX XXXX XXXX XXXX, SELECTIVE PORTFOLIO SERVICING INC and Debt collector XXXX XXXX XXXX XXXX, their Brokers, Real estate agents and loan underwriters for knowingly filed a fraud mortgage Note Document number XXXX in the office of the Assistant Registrar of the Land court in the XXXX XXXX XXXX Hawaii. 
Please refer to File number : XXXX, XXXX Attached is a Mortgage supposedly executed by XXXX. 
The Mortgage note submitted was not executed by XXXX 
The signature is a Forged signature. 
That is Identity theft. 
On XX/XX/XXXX affidavit was sent to SPS to notify them of the Forged signature on the Mortgage note among other Notarized Forged signature on the loan application. 
On XX/XX/XXXX, the exact Documents were sent to Debt collector XXXX XXXX XXXX XXXX to notified them of the Frauds committed on the Mortgage Note and fraud signatures on the loan documents Attachments submitted are documents evidence to support my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the ongoing issue of late closed and charged off accounts remaining on my record despite numerous attempts to have them removed. Despite providing ample evidence and following all necessary procedures outlined by your company for dispute resolution, there has been a consistent failure to address this issue effectively. 

I demand immediate action to rectify this situation. It is imperative that all late closed and charged off accounts be promptly removed from my record, as they do not accurately reflect my financial history. Furthermore, I expect your company to implement robust measures to prevent similar errors from occurring in the future. This ongoing ordeal has caused me undue stress, financial hardship, and frustration. I urge you to prioritize this matter and provide me with a clear timeline for the resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX  Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

On XX/XX/2020 I received a bill for my property tax on my new condo. Being my first property I was unaware that property taxes were to be paid by my lender due to it being included in escrow. I have contacted them 6 times 5 times since and have only been met with excuses. My bill was {$3200.00} Ive done all I could and am just looking to get my money back and I didnt see any other choice then to file a claim.
Product: Debt collection

They have responded with a response that they have stopped all collection but are still reporting. I have submitted police report and it 's clear they are still reporting. They are not being factual in responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.
Product: Credit card

Received letter from Wells Fargo that said in part : " Regretfully we are unable to cap fees at {$8.00}. '' It is my understanding that large banks, like Wells Fargo, do not have the option to refuse capping late fees at {$8.00} which means they are in violation of your rules. This will be the second time I've complained about this problem. In many cases, it is is the fees, which I don't find out about until weeks later, that cause the payments I submit to be insufficient which then goes against my credit rating as being unreceived.
Product: Money transfer, virtual currency, or money service

I was supposedly called by XXXX, because they were going to cut me the power off for non-payment. They asked me to send a code through XXXX, but in the end it was money. They took XXXX  dollars from my savings. 
I called the bank immediately, but it was not possible to recover the money.
Product: Credit reporting or other personal consumer reports

I recently received an alert that Macys/Citi performed a hard inquiry on my credit. I've never authorized Macy 's to pull my credit and refuse their offers for an in-store card everytime I purchase something there. I have enough cards and know their is no real value to their cards. I'm demanding verification that I am in fact the person that requested this and an update from the location it came from to verify it's validity or fraudulence.
Product: Debt collection

I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at XXXX a bank account transfer was initiated by myself to my XXXX XXXX XXXX XXXX   Account ending in XXXX. The estimated date of delivery was XX/XX/2019. As of XX/XX/2019, the amount ( {$540.00} ) was not received in my XXXX XXXX XXXX XXXX. Upon talking to XXXX  Customer Service, they advised the funds were on hold and would not explain why nor when they would be released. I am now claiming theft of {$540.00} by XXXX ( a company of PayPal ) and wish to prosecute accordingly. 

I have asked my local law enforcement to investigate and prosecute XXXX under Florida law.
Product: Checking or savings account

My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX  for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. 

Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX  on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint through the CFPB website against CONTRACT CALLERS after XXXX/XXXX/XXXX notified me that CONTRACT CALLERS had responded to my complaints against XXXX/XXXX/XXXX  through the CFPB that the debt had been validated, which I know is not possible, because the account CONTRACT CALLERS has placed on my credit report is a result of fraud. An account that I have directly disputed with the company, XXXX XXXX, beginning when I learned of the first fraudulent account that was opened in my name for an XXXX XXXX account in XX/XX/XXXX or XX/XX/XXXX, and after that account was disputed and removed from my credit reports, in XX/XX/XXXX or XX/XX/XXXX I received notification of another account that XXXX XXXX allowed to be opened in my name and they then combined the two fraudulent accounts in an attempt to collect both accounts. The account ( s ) were removed from my credit reports in the past after disputing the accounts as fraud with the prior collection agencies who were sold the fraudulent accounts XXXX XXXX. 


On XX/XX/XXXX CONTRACT CALLERS responded to my complaint against them through the CFPB that they had validated the debt with the company and the proof that they provided is nothing more than a copy of a utility statement with my name and an account number at an address that I have disputed and had removed from my credit reports because it is not an address that belongs to me. CONTRACT CALLERS is in violation of the FCRA and the FDCPA because they willingly and knowingly provided inaccurate information to XXXX/XXXX/XXXX that they had/have validated the debt when they have not nor can they because the account is fraud and they have not fulfilled their obligation under Federal and State laws to prove that a disputed debt is valid. CONTRACT CALLERS CAN NOT claim that they have received validation from the company they are collecting the account for with a billing statement. AN ACCOUNT IS NOT VALID JUST BECAUSE A COMPANY PROVIDES a billing statement with a person 's name, an account number and address. IF THAT WERE THE CASE, no one who has had an account fraudulently opened in his/her name would be able to dispute fraudulent accounts to have them removed from their credit reports.
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies on my credit report involving 15 USC 1681c-2, with inquiries that I never authorized. This is impacting my credit, and I ask for the removal of all unauthorized hard inquiries. Thank you.
Product: Debt collection

Today, Portfolio XXXX XXXX XXXX XXXX XXXX called me from a spoofed number, representing that they were XXXX XXXX. Misleading & fraudulent. Called from XXXX at XXXX on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer satety.
Product: Debt collection

For the past few months, I've been disputing this account. I have received no information from them, even though I've requested everything. they have continued to report the debt, even though they have not validated it, which is a violation of the FCRA and FDCPA. I do not know what this debt is for, and they have never sent me any validation. Please help me with this, I do not know what else to do, they are destroying my credit and my life! During a National Crisis, this is deplorable!