23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I checked my credit report on XXXX and noticed that there was an address listed in CA that I never resided at. Also, there was a Wells Fargo card listed that wasn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX  I spoke with a XXXX  XXXX  at Amerisave ( XXXX ) He told me he could look at my application and job without running a hard credit check. He ran the credit check and later sent me an application to complete to cover self. I received an alert about the check, and it sent my score down by XXXX points. I had a check by another mortgage company already. I called XXXX XXXX texted him and email as off this day XXXX I have received no response. I called on XX/XX/XXXX and the person hung up in my face and afterward I called a couple of times, and they hung up. I have talked two other people who stated they would get back with me but has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased XXXX watch on line XX/XX/XXXX. Delivered XX/XX/XXXX according to XXXX required signature. Delivery date I was not home. Contacted Nordstrom because it seemed long from ordering and not delivered. CS told me watch was delivered and " signed '' for ( COVID new policy no signature ask name of person and driver types it in ) - Ended up opening numerous disputes- contacted sheriff made police report- and contact made with detective. Detective concluded problem was with delivery person XXXX Description of person did not fit me- Detective XXXX XXXX XXXX XXXX NC Sheriff Office concluded error with delivery driver.

Nordstrom reported me to three major credit agencies and shows I did not pay for past months even with OPEN disputes- I was told until disputes are concluded I would not be sent to credit bureaus. Not true. I contacted three agencies explained situation and opened investigations. 
Nordstrom continues to refuse to credit account or send another item. 
I have pleas out on Next-door App- asking if someone received watch in error. No responses. I again posted watch missing- and my credit is now effected. I made a plea if someone reading the post has the watch of knows who has it to please return without questions. 
I checked my mail yesterday and a box and mail was inside my mailbox. Box had no label. I opened it and found the watch. LOOKS brand new- inserts were in the box validating the brand etc. I tried to contact XXXX from Nordstrom dispute in credit department who left me a message XX/XX/XXXX asking me to call her back at XXXX. I called back then, called again two more times and called the 800 number associated with her department requesting her to return my call. ( XXXX ). I was told XXXX was in a meeting but would call me back when done- it has been WEEKS no call. I looked up my FICO reports and found blemished reports from Nordstrom- although I accepted each call from their collection department and each time they looked up my account and said no reports would be made until AFTER disputes completed. 
The detective stated I need to escalate the disputes because the problem is with the delivery person giving the watch to someone else or could have never given the item to anyone- we simply do not know. 
With another plea placed on the next-door app 2 days ago I begged the members if someone was the person who received the watch or knew who had it- please return to me with no questions asked. 
As I said a box was found in my mailbox- no label- inside the XXXX watch was found. I set up a return via Nordstrom.com and my husband took it to the USPS in XXXX. I SHOULD NOT OWE any money- no late fees nothing. They are getting the watch back after it has been missing over 7 months, I want my credit scores cleared. I am forwarding this report to each credit bureau since they have open investigations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Collection reporting company and Equifax, Expirian and TransUnion, had not correct, nor removed Debts, reported with false information, on closed accounts, paid balance and or without any permission to be reported and without signatures. Agencies, not willing to help, even after recieving immediate copies of Identifications.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days 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 paym
ent as late, yet they are reporting a payment as late and they did not comply with the law!

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


XXXX XXXX XXXX XXXX & XXXX 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 XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the inaccurate accounts. I have attached supporting documentation, including identification documentation, to verify my claims and request a thorough investigation into this matter. I understand the importance of accurate credit reporting, and I expect that my complaint will be taken seriously and addressed promptly. The following accounts should be removed right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 and XX/XX/2024, I submitted disputes concerning inaccuracies in the reporting of this account. i will be submitting my past disputes from XXXX and XXXX and my current disputes for this month of XXXX. According to the FCRA, when a consumer disputes information on their credit report, the credit bureau is required to investigate the dispute and notate that a dispute has been filed. However, I have reviewed my credit report and have found no indication that my dispute was acknowledged, corrected or investigated.

This lack of acknowledgment and investigation constitutes a clear violation of my rights under the FCRA. Specifically, Section 1681i of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation when a dispute is made and properly mark the disputed item as such.

The failure to comply with these regulations has not only caused me distress but may also negatively impact my creditworthiness. I am requesting that you take immediate action to investigate the disputed account, correct the inaccuracies, and ensure that my dispute is properly noted in your records.
Product: Credit reporting

I had a judgement against me with Capital One about 8 years ago. The judgment has been satisfied for several years now. The account was suppose to be removed once the account was closed. The account is over seven years old and should be removed from my credit report. I spoke with the courthouse to remove the account and provided full payment info, which they already had on file. I was told the Capital One has to remove the file. After speaking to Capital One over the past several years I seem to get nowhere. Capital One tells me that I have to have the courthouse remove it. I seem to get the runaround and no one knows who I should speak to.
Product: Credit reporting

Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, " On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are " contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).
Product: Credit reporting or other personal consumer reports

I have sent numerous emails to United Wholesale Mortgage demanding that the claim be finalized. My Attorney has also sent numerous emails requesting the same. I have been waiting for the claim to be finalized since XXXX. I have had XXXX XXXX. My credit is now damaged due to the delay of processing the claim. Now United Wholesale Mortgage has decided to not move forward with the claim. My credit score dropped from XXXX to XXXX. Now I'm not able to purchase a house.
Product: Credit card

I closed the account in XXXX of 2024. I had a " XXXX '' balance and they charged my a XXXX late fee in XXXX of 2024 for a company imposed payment security fee of {$0.00} cents. After talking to the Payment Security people there should have ben no fees as the balance was " XXXX '' dollars as the account was closed!! They are still going to charge the {$41.00} monthly late fee until this account is " XXXX '' out again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and will keep compounding until they break me and my hard earned credit..
Product: Mortgage

We are a veteran family who was forced to put our home into forbearance at the beginning of covid-19. After the first 3 months forbearance, we attempted to exit forbearance, at which time Wells Fargo increased our payment from {$830.00} per month, to {$1100.00} per month, for a year. This modification was signed for by my husband only. We made one payment at {$1100.00} per month, then realized that we could not afford the increase. We immediately went back into forbearance. At the end of the moratorium, we applied for a modification, which was approved, but was based on the {$1100.00} per month increase, rather than the {$830.00} original payment. The result was that our payment went up after modification rather than down. Our new payment is {$910.00}, which results in a net increase in our payment, if compared to the {$830.00} we were actually paying before attempting to come out of forbearance the first time in XXXX of XXXX. Basing the modification on the increased repayment proposal that was only signed by my husband and not me, is unfair. The modification should have been based on the actual payment before covid-19 hit, not the adjusted payment of trying to exit forbearance during covid-19.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Trans Union after noticing incorrect addresses, and phone numbers on my credit report. I sent in this letter asking them to update these incorrect addresses to my current address, the inaccurate phone numbers to my correct phone number with a phone bill, and drivers license to validate my identity with Trans Union. I received a response but no resolution to my problem. 

Instead, Trans Union sent me a letter stating they believe my letter was sent from a 3rd party and they will not change anything on my report. 

This company is choosing to keep incorrect information on my report despite me sending in a letter showing the inaccurate information, while also sending proof of my correct information while also proving that I am the one sending this letter. 

I need this information updated ASAP! I will attach the original letter along with their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a notification of a new account being on my credit report that I did not open. All the report says is Source EXPERIAN Alert Date XX/XX/2023 Balance Amount {$0.00} Open Date XX/XX/2023 Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX City XXXX XXXX Zip XXXX already reported to Experian but they said I needed to make a report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I checked my interest rate for a personal loan with XXXX. Their website said " checking your rate will not effect your score ''. I filled out the necessary information and clicked check my rate. I then received an alert from Experian that XXXX had initiated a hard inquiry. I had to call them and email a copy of the experian report showing the inquiry. They mailed me a letter stating they would correct the error and remove the inquiry. It has not been removed as of today.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The same creditor that reported erroneously has reported the same late payment that was previously removed last month. Ive paid every month since then and they are ruining my credit. They have reported me being late in XXXX AND XXXX OF 2020 once again and I wasnt! Ive already sent documentation validating this! Im going to consult with an attorney at this point. This is harassment!
Product: Debt collection

During the week of XXXX XXXX, XXXX  Someone by the name of XXXX XXXX at XXXX continues to call my previous employer. This behavior is continuous despite my employer notifying that I no longer work there. If its not this person its another person. They have even asked to speak to supervisors even after being told that I no longer am with the company. I was contacted by my previous employer and informed of the ongoing calls from this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested all three major credit reports through XXXX. I received immediately my report from XXXX  and XXXX and was able to easily dispute and have corrected erroneous information I found on my report. However, as of this date, I have not been able to get a report from Equifax. 1. The security questions that were asked to identify me were not accurate therefore, I was forced to answer all 4 questions as false. Then I called Equifax on the XX/XX/XXXX and was able to prove that I was in fact, XXXX XXXX. I was promised that my report would be mailed. I did not receive it. I called them on the XX/XX/XXXX asking again that they mail a report. I even tried to pay for a report online but 4 more security questions were asked of me that did not apply to me. I was refused the report. I am deeply concerned that the information they are currently reporting is not accurate based on the 8 security questions that they have asked. I am reluctant to mail additional identifying information through the mail because of the many times mail has been lost and delivered to the wrong address. Any help you can give to me to obtain my Equifax report will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file to find several mistakes I tried to dispute the items vis experian however they would not allow me to dispute stating the items were verified in prior disputes ... .The items in question are below and the attachment confirm my case Bankruptcy listed on file previously disputed experian sent letter stating they verified with XXXX XXXX courts letter attached from courts stating they did not and do not verify this information also the law states that public record information must updated every 90 days in this case the bankruptcy has not been updated within 90 days also FCRA 603 attached I did not consent orally or in writing to the nature and scope of this communication. 
XXXX XXXX XXXX is listed in report as a bankruptcy which is incirrect it also has a date opened of XX/XX/16 and an update date of XX/XX/16 how can you update and account that wasnt yet opened according to the report see attached XXXX XXXX XXXXXXXX same issue as the account above see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts to resolve this issue, Experian and XXXX continues to report the following item : Experian : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, Experian, and XXXX. XXXX has deleted the item from my report. While Experian and XXXX in clear violation of the FCRA continues with what seems to be malice to report these items. Additionally, they will not provide the true source of the provider of these items or the method of verification ( as required by the FCRA ) so that I may make challenges to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( Equifax, XXXX, & XXXX ).
Product: Credit reporting or other personal consumer reports

I AM ID THEFT AND MY BANK HUNTINGTON DID NOT NOTIFY ME OF ALL TH EINQUIRES AND KNOWLEDGE OFF MY PERSONAL INFO BEING USED OVER AND OVER. SET UP NEW ACCOUNT ONLYUY TO HAVE THAT ONE HACKED ONLINE. I ASKED TO TAKE ONLINE APP DOWN BUT DIDNT AND ALSIO DID NOT CHANGE EMAIL ADDRESS THAT WAS COMPRIMISED AND WAS LEFT ON ACCOUNT AND I RECIEVED DOCUMENTS ARBRITRATION BUT PART IOF LETTER PARAGRAPHS WERE EARSED AND NO EXPLAINION. I JUST WANT TO FEEL SECURE AND TO HAVE ANY AGENCY PLEASE HELP ME IN GETTING SAFELY BACK ONLINE AND TO STOP BEING Hacked and compromised as its getting to me and i want to feel protected as now i keep everything here and want all communication mailed like old way and its a shame and i want to know what is going on and help to fix the errors and to secure my account. I HAVE TO GO INSIDE THE BRANCH EVERYTIME AND I GET TREATED AS A PAIN IN THE XXXX AND I AM THE VICTIM AND MY TIME IS NOW ONLY SPENT DOING DAMAGE CONTROL AND MY BANK SHOULD OF ALERTED ME WHEN IT STARTED BACK IN 2022 ALL THE INQUIRES MADE TO THE SAME PLACE OR MANY TIMES OVER SHOULD OF BEEN NOTIFIED SO I COULD OF GOT TO IT SOONER. I HAVE NOTHING NOW AND STARTING OVER WITH A SON AND I HAVE HEALTH ISSUES AT THE MOMENT I NEED TO CARE FOR AS WELL. NO HELP OR ASSISTANCE OR KINDNESS FROM MY FINACIAKL INSTITUE WHEN I NEEDED THEM THE MOST.