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

XXXX, XXXX, & Equifax are reporting inquiries I did not authorize and they should not have given these companies access to my data without my written consent. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I ask for proof that I gave written or oral consent that im responsible for these accounts.. 
these accounts are in violation of the fcra 15 u.s.code 1681b 15 u.s.code 1681 s-2 15 u.s.code 1681 c-2 15 u.s.code 1609 p
Product: Credit reporting or other personal consumer 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 I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item, as it is incorrect and does reflect my true credit history
Product: Mortgage

There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Debt collection

Collections company by the name of MEDICAL COMMERCIAL A is reporting incorrect information to XXXX, XXXX and XXXX  I do not have any account nor contract with this said collection agency MEDICAL COMMERCIAL A, nor do I have any account with the original creditor XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/year>. I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has XXXX revolving accounts on my current credit file. It was changed sometime during last year. When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore. These accounts are missing from the Equifax credit report : Missing Accounts Bank Name - XXXX Account Number - XXXX Account Opened- XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times asking Midland funding to remove the dispute, I have sent several letters asking them to remove the dispute and they refuse. It gets taken off for 24 hours then they put it right back on.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom It May Concern : I obtain a copy of my credit file and found some errors. Please remove this from my credit file : 1.  Company Name : XXXX XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Please validate by baring my signature
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USXXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX DATED XX/XX/year>, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX  in the country of XXXX who presently has permanent residence in New Jersey. I used my Barclays XXXX XXXX credit card to purchase my return airline ticket and for some reason my XXXXXXXX XXXX did not pay the charge automatically as set up. Barclays refuses to make a 1 time exception to remove the delinquency from my CBR as it has affected my score adversely. As you are aware credit score is imperative in society and being a XXXX  preparing to become a XXXX  my score is critical. Additionally, I paid the same second I received an email and a letter at home stating my delinquency. I would question why they would wait 3 months to notify me of delinquency and not sooner.Perhaps the late fee of {$37.00} a month is a common practice to destroy ones credit and increase income for the bank. My intention was not to be delinquent as I have never been and would have paid this immediately if I knew.I can only imagine how many customers this has happened to in the past. Please help as I need credit and only doing the right thing in today 's world.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX  son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XX/XX/XXXX ) sold account to another lender without my consent or knowledge, the closed account owed is {$0.00}. Remove account from report. 

XXXX XXXX XXXX  ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX card ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XX/XX/XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX ( XX/XX/XXXX ) this has been closed, transferred. {$0.00}. Remove from report. 

XXXX XXXX XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I needed a loan very fast to finish paying my rent. I had this website approach me through my mail ( and they still send me mail every few days ) that I was pre-approved for a loan. So I applied for a {$500.00} loan. They gave me a {$1600.00} loan that I couldn't change, so since I needed it immediately I had no choice but to take it. I was accepted immediately and the money was placed into my bank after I signed a payment agreement. Trust me, I knew what I was signing was a predatory loan, because it stated I would make 26 payments of {$140.00} which was a rate of 225 % over time and I will end up paying over {$5000.00} for this loan by the time it's done. I can't access the website with my e-mail or password anymore. I do have a payment schedule on my computer and I pay every 17 days or so. I intend to continue paying until I have paid {$2000.00} which is a 25 % interest rate and then block their access to my money and let them try to sue me if I can't get them stopped. I am writing to you to stop them from their predatory lending habits ( I am not sure if they are even a real bank or a front for a scam operation. ) and I would appreciate any advice you can send me to deal with this. This is the most recent description of what I paid : Our records indicate that on XXXX we processed a payment of {$140.00} to loan XXXX. Of the {$140.00} paid, {$7.00} was applied towards your outstanding principal and {$130.00} was applied towards your outstanding interest and {$0.00} was applied towards your outstanding fees. As of the date of the payment, your outstanding balance is {$1500.00}. I think I've made 5 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection accounts on my XXXX consumers credit report : XXXX. XXXX XXXX XXXX- {$730.00} XXXX. XXXX XXXX XXXX. - {$1500.00} Prior to these accounts being listed on my consumer report and to date, I never received DOCUMENTARY EVIDENCE that the debt owed is accurate from the creditor nor credit reporting bureaus. Valid documentary evidence must be as listed under the 15 US Code 44 Documentary evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. 

If this proof is not provided, the accounts can not be listed on my credit file as accurate and I can legally sue for incurred damages. Please note that copies of statements are not accurate proof of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing how XXXXXXXX XXXX XXXXXXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXXXXXX XXXX decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX  years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX  gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX  them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX  into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ Equifax. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXX XXXX XXXX XXXX my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX  ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

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

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block  Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

someone from my old address of 8 years ago submitted a credit app to XXXX bank under my name
Product: Credit card or prepaid card

In XX/XX/2020, I had a XXXX  balance with Macy 's credit card. Macy 's did not produce a XXXX statement. On XX/XX/2020, I made an online purchase for {$40.00}. The statement dated XX/XX/2020 showed a balance of {$40.00} with a due date of XX/XX/2020. On XX/XX/2020, Macy 's processed a payment of {$40.00}. Also on XX/XX/2020, Macy 's charged me interest and a late fee when my bill isn't even due until XX/XX/2020. On XX/XX/2020, I contacted Macy 's through the message portal on their credit card site. While I received a robotic confirmation of my message immediately, the company made no further attempts to resolve this simple issue. After waiting one week, I made a second attempt to resolve this issue directly with Macy 's and decided to file a formal complaint against Citibank for the mismanagement of this account.
Product: Checking or savings account

XXXX years ago I was a victim of an online scam involving Bank of America which I had a checking account with. A fraudulent check was cashed at my branch unknowingly by me. The scam was revealed by my bank in which they demanded the money from the check returned. I immediately retuned the funds and my account was closed. 
I would like to open an account with them again if possible as it has been XXXX years but I am always turned down. Id like to know if B of A has banned me forever or can I rectify this.
Product: Checking or savings account

I filed a fraudulent case with Bank of America on XX/XX/XXXX because someone had stolen an amount of $ XXXX from my checkings account and I have been waiting for 63+ days and going now and I still haven't received my money. The temporary credit was reversed because BofA made the mistake of making a duplicate claim and not reopening my original claim resulting in them taking back my credit and never issuing any temporary credit or funds in the entire investigation. Lawfully I believe my banking institution has failed me and failed to acknowledge the fact that this situation has burdened me to a point of financial collapse.. I live a very stressed and painful life since encountering this fraud and it has not been an easy journey for me. The customer service BofA has provided is not great and unempathetic to my needs as a customer of 9 years ; this is also the first time this has happened to me. I don't want this to happen to anyone else and I would not want BofA to overlook the lives of its customers the way they have mine in this situation. My identity and money matter to me.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Credit card

I have a Capital one XXXX credit which is closed- for the past 3 months I have been paying on the card -- this month XX/XX/2023 they are charging me a late fee of XXXX dollars-how can am account be late if it is closed -- the bill was due on the XXXX and I paid on the XXXX I got up that morning they must had put that charge as soon as they opened because it was not thre on the XXXX -- now I am just guessing -- -I do realize that I still have to pay the balance which is why evevy month I am paying but I do not think I should have to pay by a due date -- if the account is closed why and how are they imposing a late fee and a due date
Product: Debt collection

I requested information from WELLS FARGO AUTO to validate alleged debt, and I have since been ignored. I sent them a cease and desist on XX/XX/2021 and asked that they provide me with the required documentation per federal law so that I can verify and validate the debt they are alleging I owe. My rights were violated several times even after they were in receipt of my letter. I have been harassed by WELLS FARGO AUTO over the phone calling me over and over again and they have sent letters claiming that they will steal my property if I don't pay them. This is a blatant violation of consumer rights. They have also reported this to credit agencies and I have been denied credit as a result of their reporting false information and un-validated debt. I've sent them notice along with an affidavit of truth on XX/XX/2021, to which has gone un-rebutted and ignored. I have also given them another notice on XX/XX/2021 both with return receipt so I know that they got it. They have now cost me thousands of dollars as well harmed my reputation with other companies that I want to do business with.