23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my recent credit Reports XX/XX/XXXX  ; I noticed for the third time deficiencies of reporting and inaccurate information on Transunion and XXXX credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX  XXXX individual account Balance {$3000.00} having no Account number, on TransUnion Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. Hard Inquires : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 


Late Payment : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  FIN XX/XX/XXXX XXXX Collection : XXXX XXXX XX/XX/XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX 120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on XXXX it is reporting 120 days late in XXXX XXXX, 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX XXXX it is showing 6 Potentially Negative Months, On Equifax it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on XXXX it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX XXXXount # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, Experian, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting

XXXX financial lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff +
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all three credit bureaus, XXXX, XXXX and TransUnion asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a fraudulent account listed under my name. This inaccuracy is negatively impacting my ability to secure credit. Please remove this account from my report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week I received notice of an account that was put on my XXXX  report without notifying me. I did not have a account with this debt collector nor has this company verified any information I have not heard of this company before and I am very upset that this account was just allowed onto my credit report there was no verification of this account or contract between me and them I was not even aware of charges that were due I have no information other than what I have just discovered on my credit report.
Product: Mortgage

I have been trying since XX/XX/year> to obtain a loan modification from PHH mortgage. I had been given a modification in the past, but this time I was informed that I do not qualify for anything. In order to see what options were available to me through HUD, I asked to speak with a Loss Mitigation Specialist and was denied. If you listen today 's recording between myself and the representative you will hear me ask several times to speak with a Loss Mitigation Specialist. In order to see what my options are, I have to speak with the Loss Mitigation Specialist as it clearly states that all of HUD 's Loss Mitigation programs are coordinated through your mortgage loan servicer. 

I have reason to believe that the my account was never reviewed to see if I qualified for any loan modifications under HUD. I believe my rights were violated and this has caused my house to go into foreclosure. 

I was told that it didn't qualify for a modification because the bank didn't offer them, and that the policy had been changed. I asked for a copy of the policy noting the change and never received it. I called back a week letter and asked another representative about this and he said that the policy was not change. PHH Mortgage has been dishonest in their dealings.
Product: Credit reporting or other personal consumer reports

New Information Being Submitted NOTE : THIS IS NOT A DUPLICATE I, XXXX XXXX, state that the following account is fraudulent. I have never lived at the address listed below. It is impossible for this account to be verified as mine because I am a victim of identity theft, and I have attached documentation to support this claim. 

I have never signed anything, provided my ID, spoken to anyone, or gone online to authorize this account. 

Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Fraudulent Account Details : Creditor : XXXX  Account Number : XXXX Amount : {$1400.00} Credit Limit : {$350.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Body of the letter : Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer.Please delete these accounts off my report.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I filled out as multipurpose survey last night and this morning the mortgage companies won't stop calling. I've told multiple companies in very definite terms to NOT CALL ME AGAIN. I just had XXXX and don't want to talk to them.
Product: Mortgage

Since XXXX, I have had my mortgage payment automatically paid through my bank where they would withdraw the funds on the XXXX of the month. Up until XX/XX/XXXX there had never been any problems with this transaction and my mortgage remained current. 

The mortgage company claims that they attempted to make the withdrawal on the XXXX and XXXX of XXXX but were advised that there were insufficient funds to cover the payment. However, at all times during the month of XXXX, there were sufficient funds to cover the mortgage payment in the bank account. I contacted my bank " XXXX '' by XXXX XXXX, and they confirmed that there had been sufficient funds and also, that no payment requests from Rocket Mortgage had been received by them on those dates. 

On XXXX XXXX, Rocket Mortgage submitted a trade line to the credit reporting agencies indicating that I was delinquent on mortgage payment, resulting in a XXXX point drop in my credit report. 

I contacted Rocket Mortgage about the payment problem, and was told that the problem would be elevated, and someone would get back to me within 2 days. When no one from Rocket Mortgage called me back, I reached out to them again and eventually spoke with a XXXX XXXX XXXX in the XXXX XXXX. I explained to XXXX XXXX that the money had been in the account and that my bank had no record of Rocket Mortgage seeking to withdraw funds on the XXXX or XXXX of XXXX and requested that Rocket Mortgage provide me some indication that the funds were actually requested from my bank on those dates. XXXX XXXX replied that he could not provide that information to me, but that I should seek legal assistance in getting that information from their bank, XXXX.
Product: Credit reporting or other personal consumer reports

I am invoking my right to have these disputed and investigated since these accounts are inaccurately reflected on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's file.
Product: Credit reporting or other personal consumer reports

This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX Balance Owed XXXX {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>XXXX XXXX  XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Debt collection

I keep receiving calls from a collection agency called Independent Recovery Resources. There is also a collections account on my credit report from this company. I was placed in collections for an unpaid {$130.00} medical bill from a medical office named XXXX XXXX XXXX XXXX XXXX. My father paid the bill in 2014. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to XXXX XXXX XXXX. I called XXXX XXXX XXXX today and they stated that I do not have an outstanding balance. I then called Independent Recovery Resources and spoke with a representative who provided suspicious information. I asked the representative for the reason I was being called when I have no outstanding balance with the medical company. She stated that an account with XXXX XXXX XXXX XXXX group was still open. I asked when was the last time her company spoke with the office and she stated the medical office was contacted last month. I was curious as to how they could have spoken to XXXX XXXX XXXX XXXX XXXX last month when the company is now XXXX XXXX XXXX. I explained to the representative that I just spoke to my medical office and they stated that I do not owe any monies. The representative stated that she will have someone call the office and immediately disconnected the line. I then called back and spoke to another representative, I asked the representative for the phone number that they have for the medical office so I can contact them and she replied " its a corporate office '' and did not provide the information I requested. The representative stated that I owed {$130.00} and {$15.00}. The {$130.00} collection charge is on my credit report which I was aware of. I was unaware of a {$15.00} debt due to the fact that I have not received any notices nor is it on my credit report. The representative misrepresented the amount I owe which is a violation of the Fair Debt Collection Practices Act 807 section 2a. This collection agency is not honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card

XX/XX/2023 I stopped in the port of XXXX ( our only stop ) on a XXXX XXXX. I got off the ship and did some shipping at the port only. If you look at the map, there was no way I could have done a day long drive all the way to the clinic to swipe my card and then come back. I WAS ONLY IN PORT FOR THAT ONE DAY. [ see image-1 ] [ see image-2 ] XX/XX/2023 - I discover the fraudulent charge on my card. I call wells fargo credit card fraud and they say they will look into it and will hear back in 15+ days. I wait. I receive another letter in the mail to email XXXX with all proof and documentation and a copy of the form they sent. I send it on XX/XX/2023 then follow up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response via email so I also made phone calls. Wells Fargo tells me to contact the Clinic directly which I did ( made several phone calls ) with no response. 

XX/XX/2023 On this day, Wells Fargo got rid of the fraudulent charge and cancelled my account. But then days later, they created a new account and put the charge back in it. 

XX/XX/2023 I receive another leVer saying dispute declined. I call the number and have them reopen it again. 

XX/XX/2023 - Contacted the Clinic on via XXXX XXXX because they wouldnt answer my cell phone calls. They said they would look into the charge and they would even give me the signature page of whoever signed on my behalf. because they require a signature for all transactions. 

XX/XX/2023 - I got a response from the clinic saying they checked their books and they dont even have a charge matching the amount on my statement. [ IMG_7672 to IMG_7675 ] So the fraudsters probably just used this company so it couldnt be tracked to them. 


XX/XX/2023 went to Wells Fargo to Fax all information ( because they said they dont accept emails even though they originally told me to send emails to XXXX ). During this, I was on the phone with the fraud department to make sure I had the right number and that they would receive it. They said it would take at least 10 days to receive the fax But then I receive the 2 letters back to back over the XXXX holiday : XX/XX/2023 - dated letter that says my claim is being reopened. 

XX/XX/XXXX, XXXX dated letter that says " disputed charges are valid and appear authorized by you. as a result, you are responsible for payment and your claim has been closed '' [ *please note there were several more calls to Wells Fargo Credit Card department and fraud departments but I didnt write them all down ]