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

To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had filed XXXX XXXX and had paid off everything. Shellpoint stated I still owed {$3400.00} to them, which was part of XXXX XXXX XXXX. I paid that amount and my XXXX XXXX was discharged in XX/XX/XXXX. I received a statement from Shellpoint stating I still owed {$1200.00}. I have made many calls and mailed letters showing everything was paid. They have said they would clear this up, but as of XX/XX/XXXX. XXXX they haven't. I would like this matter cleared up and a statement from them stating I have never been late. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 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 months that are reported late 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  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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX SSN : XXXX XXXX  Subject : Dispute of Inaccurate Credit Reporting Under the FCRA I am writing to formally dispute the accuracy of the account reported by XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXn my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. However, I have identified multiple discrepancies in the reporting of this account. 
Specifically, I noticed the following inconsistencies : The balance amount is different between Experian ( {$3800.00} ) and XXXX ( {$3800.00} ). 
The past due amount does not match across bureaus. 
The payment status reported by Experian states that the account was assigned to an attorney or collection agency, while XXXX only lists it as a Collection Account. 
The Last Reported Date differs between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
The Date Last Active does not match between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
The payment history on XXXX reflects both XXXX XXXX XXXXXXXX XXXX ) and XXXX  ( Current ), which is contradictory. 
Under the FCRA, I request that this account be deleted due to the account not reporting correctly. 

I have mailed this letter via certified mail XX/XX/XXXX and it was ignored. 
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I have been a Wells Fargo credit card customer for XXXX years, with a consistent history of timely payments via autopay. Recently, I discovered that my autopay was canceled without my authorization. Upon contacting Wells Fargo, I was told that I had canceled the autopay, which is inaccurate ; I have never interrupted this service. 

Furthermore, when attempting to reinstate autopay, I was restricted from using my XXXX  XXXX XXXX account and was directed to use a Wells Fargo checking account instead. This restriction seems to be a deliberate tactic to coerce customers into using Wells Fargo as their primary banking institution. 

This issue has led to unjust late fees, as the cancellation of autopay was a result of a system error on Wells Fargo 's part, not any action of my own. I am now in the process of closing my accounts and taking my business elsewhere due to this unsatisfactory service and the financial inconvenience it has caused. 

I request a thorough investigation into this matter and appropriate remedial action, including the reversal of any wrongful fees and an assurance that such incidents will not recur.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from EXETER FINANCE CORXXXX located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Debt collection

By the beginning of XX/XX/2017, I pulled my credit report, immediately I notice suspicious activity on it, there were multiple accounts that did not belong to me, I did my own research and also I filed a Identity theft Police report. 

On XX/XX/2017, I started disputing the incorrect information on my credit report, constantly sending updated documents to the Credit Bureaus. As of today, there is still some wrong information on it. I recently received a collection letter from CAPITAL MANAGEMENT SERVICES , LP trying to settle/collecting on the below account that does not belong to me : XXXX with an alleged account # : ending in XXXX, an alleged balance of {$3100.00}.
Product: Debt collection

Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. 

The first one is : XXXX XXXX XXXX XXXX XXXX ( also has XXXX XXXX XXXX XXXX, XXXX listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : Nelson Cruz & Associates Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX  has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. 

I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with Experian to reinvestigate 3 Public Records being reported by their agency. My credit report indicates  XXXX is the data Furnisher of this information. I submitted this dispute via their online portal and uploaded supporting documentation with XXXX letterhead as evidence. The supporting documentation is a resolution letter provided by XXXX ( From CFPB complaint on file ) which clearly states all 3 Public Records have been deleted from my consumer file and is no longer being furnished to Experian or any other credit reporting agency. However, Experian has failed to comply with a reasonable reinvestigation and continues to recklessly report this information as " Certified By Data Furnisher '' which is XXXX. I have highlighted areas where Experian indicates to contact XXXX as the 3rd party data Furnisher on my credit report and I have also attached a copy of the resolution letter directly from XXXX ; In addition, I uploaded a screenshot of the results alert received from Experian on XX/XX/2020 for my dispute # XXXX I submitted the same supporting documentation to XXXX  and all 3 Public Records were deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I also sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX, requesting the Credit Bureaus to remove the following accounts : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; and inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. If the Credit Bureaus insist that the disputed items are mine, please provide me copies of proof of verification or documents bearing my signature to prove my ownership with the disputed items. Failure to deliver should result to immediate removal of the items from my Credit File.
Product: Debt collection

Upon review of my credit report, I noticed a collection from the XXXX  at XXXX XXXX handled by National Credit Systems and Ive never lived at this apartment complex. I asked for validation information via phone on XX/XX/2024 and the company would not give it, they simply said they have other information that could be used to validate the date even though my drivers license has only ever had the one address Ive live at prior to my current one. I explained to them that around that time period my wallet was stolen and it is possible that my identity was stolen but I never lived in this apartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 wells fargo hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at wells fargo I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.
Product: Credit card or prepaid card

Greetings, I have a CitiBank account with a CitiDouble Cash Credit Card with a rate of APR for purchases 18.99 % ( V ) with a credit line of {$25000.00}. 
I was recently provided an offer they call a Citi Flex Loan, this borrows against my credit and allocates my available credit to a loan in my case a loan of {$5600.00} for a term of 48months at an APR of 6.99 % which would have been 48 monthly payments of {$130.00}. 

I use my credit card for every purchase and make several payments a month to pay off the balance. CitiBank apply all my additional payments to my flex loan and allowed my credit card balance to grow. In one to two months my Loan was nearly paid off, and now has a balance of {$340.00} whereas now my credit card debt has ballooned to over {$5600.00}. 

I called Citibank at least 7 times and they all agreed there was a payment allocation issue and stated that payments above the minimum payment are supposed to be applied to the balance with the greatest interest, however in my case the reverse occurred. Two supervisors also agreed that my payments were not applied properly. 

CitiBank says now they fixed the payment allocation issue with my account and says they can not fix their payment allocation error because they closed the statement cycle. I now have over {$5000.00} in credit card debt accruing 18.99 % interest whereas I had none and have never paid interested in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and there is incorrect information reporting on my credit report that I have been disputing since XX/XX/2019. All of my dispute letters are mailed certified and I have all receipts of them being received. Ive done my part as a consumer and I still dont have any results. I have submitted my government inssued ID as well as police reports for these fraudulent accounts. These accounts do not belong to me and are very detrimental to my credit worthiness.Equifax wont even remove the fraudulent address being reported. When I file a dispute online its never available for me to view. Just like today there is a status that says a dispute was completed on XX/XX/2019 but the results are showing pending ... ... .why are the results pending if the investigation is complete?? I want these fraudulent accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed of my XXXX XXXX, Innovis XXXX XXXX file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX,
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX Nissan for a test drive and soft check quote of a XX/XX/XXXX XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX Nissan. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from Nissan in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by Nissan. As it was now Saturday at XXXX XX/XX/XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XX/XX/XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with Nissan, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank is showing me 30 days late, however, I paid my card off in full. I got a bill from them more than a month later showing me late for {$14.00} and a late charge. I called them to find out how I could be late when I had paid my account off. They told me that I was charged a finance fee AFTER I had paid my account off. I had no knowledge of this fee so could not possibly pay it within 30 days. The person I spoke with reversed all of the charges and fees at which time I closed my account. I do not want to be in business with shady dealings such as charging fees after an account is paid off.
Product: Debt collection

I applied for a XXXX loan through Bank of America as a business expanding during the pandemic. Having been in business for months prior to the pandemic I was shocked to later be told I was denied because I was not in business when I applied. 

Bank of America initially denied, then deposited funds into business account. I thought at the time there was a glitch on the denial. I applied for forgiveness and kept checking and was told that my account was actively in process for forgiveness. 

I never received the letter from the XXXX, and BOA never told me I was denied. I attempted resolution multiple time with Bank of America, and they told be to go to XXXX. XXXX told me to go to Bank of America. 

I paid the amount due for a while anticipating some resolution but it never came, and now threats to turn over to treasury department.
Product: Debt collection

( Please note that I am the father of the complainant here and am submitting this complaint on her behalf. ) Letter from Midland Credit Management , Inc., dated XXXX XXXX, 2016, stating XXXX sold debt to Midland Funding , LLC. Would give a XXXX % discount on " owed amount '' if paid right away. Never used any such credit at XXXX nor purchased goods totalling the amount requested during the alleged time frame. ( Only use XXXX major credit card for any purchases. ) Have never heard of XXXX XXXX. Looking at consumer complaint information, Midland is an extremely bad company. In recent years, Midland has been sued by several Attorneys General and law firms for deceptive and fraudulent practices, including false debts and robo signatures on affidafits stating a debt existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the conduct of XXXX, TransUnion, and XXXX in violation of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph 5 Treatment of Inaccurate or Unverifiable Information on XXXX XXXX Acct # XXXX As a consumer, I have exercised my right to obtain my credit reports from each of these credit reporting agencies. Upon review of my credit reports, I have identified numerous errors and inaccuracies that are affecting my credit score and financial well-being. 
I have followed the appropriate procedure outlined in 15 USC 1681i and have submitted disputes with all three agencies, providing evidence to support my claims of inaccuracies. However, I have found that XXXX, TransUnion, and XXXX have failed to properly investigate and correct these errors in a timely and efficient manner. 

Specifically, these credit reporting agencies have failed to comply with Paragraph 5 of the Procedure in Case of Disputed Accuracy, which requires them to promptly investigate and correct inaccurate or unverifiable information. Despite providing evidence to support my disputes, I have found that these credit reporting agencies have failed to conduct a reasonable investigation and have not taken appropriate action to correct the errors. 

Furthermore, I have found that these credit reporting agencies have failed to provide me with timely and accurate responses to my disputes, as required by 15 USC 1681i. I have experienced significant delays in receiving responses, and in some cases, have not received any response at all. 

The failure of XXXX, TransUnion, and XXXX to comply with 15 USC 1681i and to promptly investigate and correct inaccurate information has resulted in harm to my financial well-being. These inaccuracies have affected my ability to obtain credit and have resulted in higher interest rates and fees. 

I urge the Consumer Financial Protection Bureau to take action against XXXX, TransUnion, and XXXX for their violations of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. These credit reporting agencies must be held accountable for their actions and are required to promptly delete the inaccurate information. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

To my surprise, I discovered incorrect accounts on my credit report this evening, and Im at a complete loss as to how this occurred. Checking my report has always been straightforward, but this time, these errors seemed to appear without reason. I refreshed my browser, hoping it was just an error, but the incorrect information was still there. Because of this, Im asking for a meticulous review of the documents Ive provided so I can finally put this concern to rest.