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

Hello, I am writing to dispute the negative items on my credit report. Specifically, I am disputing the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been XXXX  days late on my payments with XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I XXXX and my wife ( XXXX  ) signed as tenants in XXXX  2020 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX . However, the original lease started at different address in XX/XX/XXXX2020 but was forced to move due to mold infestation in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX . In XXXX of 2020 new management XXXX XXXX ( XXXX XXXX ) not who we signed the lease with; sent out an email XX/XX/XXXX about renewal of Lease ( see separate email )? However, when they took over in XXXX we received no notice or given an opportunity to sign a new lease with their management company. On XXXX we sent them back our notice to vacate ( see separate responses )? Just to have it documented regardless. We got a reply later that day ( see separate email )? In any event, we legally paid rent for XX/XX/XXXX and moved out by XX/XX/XXXX as per lease from previous owner XXXX XXXX XXXX and we also did a proper walkthrough and video regarding apartment and returned all keys to them that day. Another issue is my daughter ( XXXX XXXX ) name was added in their error as she never signed the lease as any tenant, her credit profile has been damaged and we have made several attempts to remove this error that has been affecting our livelihood and ability to secure her own home/apartment. On XX/XX/XXXX we were sent balance owed request, we responded on XX/XX/XXXX ( see separate email )! Now in XXXX in a failed attempt to collect something sent out a revised copy that was still erroneous ( see separate email ) after they sent to collections in error/inaccurate. Our move in date to our new place was XX/XX/XXXX ( let me know if you need that lease ). However, see email responses regarding the other inaccurate information this company XXXX reported while we were trying to secure another apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUION XXXX AND XXXX HAS SOME INQUIRIES ON MY CREDIT REPORT. THAT ARE NOT MINE. 

XXXX XXXX-NOT MINE. PLEASE DELETE XXXX XXXX-NOT MINE. PLEASE DELETE XXXX XXXX XXXX-NOT MINE. PLEASE DELETE XXXX-NOT MINE. PLEASE DELETE
Product: Credit reporting or other personal consumer reports

I have submitted several disputes reporting inaccurate, incomplete and fraudulent accounts on my credit report. Credit bureaus are not investigating properly by telling me Im not who I say I am even with proof and validating fraudulent accounts in 24 hours using an EOSCAR SYSTEM. I am disappointed and very upset of how my consumer laws have been violated. Each consumer deserves fair reporting and I am not receiving that. Please acknowledge my attached 1681 ( b ) as I am willing to escalate this claim if need be.
Product: Credit reporting or other personal consumer reports

Equifax is reporting information from this company that is not true in the amount of {$42000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2019, I received an email stating that there were changes made to my credit score. Once I looked online I saw that my credit score had dropped upon investigating I saw that there was a hard inquiry name CBNA, I looked online to see what CBNA was and it said that it stands for Citi Bank Of North America. I have not applied for any credit cards so I don't understand why this happened.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally notify you of the recent investigation and removal of an account that was disputed on my XXXX credit report. On XX/XX/XXXX, XXXX completed their investigation of a charge-off account related to a {$20000.00} XXXX XXXX XXXX XXXX  account, and the account was deleted from my XXXX report. 

As the account in question has been deleted from XXXX, it is now verified as inaccurate and unverifiable on their end. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of all credit reporting agencies to maintain accurate and up-to-date information. If XXXX has determined the account was unverifiable and removed it from my credit report, you are also obligated under the FCRA to ensure that the same information is not reported on your respective systems. 

In light of this, I request that you immediately remove this unverifiable {$20000.00} XXXX XXXX XXXX XXXX charge-off from my credit report within 30 days or less. Failure to comply will be a violation of the FCRA, specifically Section 1681i, which mandates the deletion or correction of inaccurate, incomplete, or unverifiable information from a credit report.

Please be advised that if this account is not removed within the next 30 days, I will have the right to take further action, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursuing legal action. Under the FCRA, I also have the right to sue for any damages caused by the inclusion of inaccurate information on my credit report. Additionally, under Section 1681n and 1681o, I am entitled to seek statutory and actual damages, as well as attorney 's fees, should it be determined that your failure to remove this account was willful or negligent.

Please confirm the deletion of this account from your records at your earliest convenience. I expect to receive an update within the specified 30-day period.

Thank you for your attention to this matter. I trust that you will comply with the law and update my credit report accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Checking or savings account

l am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint filed again from previous complaint XXXX filed and closed on XX/XX/2018. Southwest Recovery responded that they do not have information locate credit file. Of course they do not because they don't have the correct spelling of my name, my accurate address or my correct full social. I am asking that they send me the valid copies of documents they used to verify this account before reporting this account to XXXX. I am enclosing the Notice to Furnishers I received from the FTC, the correct and true proof of my address and two copies from my XXXX  credit report showing this collection account. The account number that I provided in the previous complaint is as it is on my XXXX  credit file. They want me to give them my information, which they need to be giving me what they have on file to support this collection account.
Product: Mortgage

i have been paying skyrocketing escrow costs, contacted them over the years to no avail, and believe my funds for mortgage, taxes were misused by Wells Fargo for the 15 years I had been paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute through Experian multiple times to have a XXXX XXXX XXXX account removed off my credit file, the account does not belong to me., but I have not been successful
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX 's online Fico score app ( by Experian ) showed my " Length of Credit History '' as XXXX years. In XX/XX/XXXX, my " history '' changed to a mere 3 years. Thus, my credit score lowered drastically. 
I have made official complaints to CFPB, Experian + XXXX several times. 
The same inaccurate/ incorrect info was/ is on my Experian app online, to this day. 
I complained, by phone, then requested printed credit reports from 3 bureaus by mail. All 3 showed accounts opened in XXXX ( XXXX XXXX ) and XXXX ( XXXX ). 
Now it is 1 year later, and I tried again yesterday with XXXX & Experian, but I get the same non-answers. Meanwhile, I have had to buy a car and get a credit card with credit agencies who have used this credit reporting co., showing a credit score that is up to XXXX points lower than agencies reflecting my XXXX -year history, and therefore, higher credit scores. 
Can you please get a human to make the change at Experian. They only need to see the XXXX XX/XX/XXXX difference ; look at their own source for the info, and change data to accurately reflect their own data! 
It is insanity that I am still having to pursue the cause to change their publishing of data that they changed somehow, and then disbursed to others. This complaint process serves no purpose, if I am still begging both the credit- issuer, the CFPB XXXX and the credit reporting agency to comply with correcting their own info from last year.
Product: Credit reporting or other personal consumer reports

I have recently review a copy of my report i have noticed that I have fraudulent activity..
Product: Credit card or prepaid card

Chase Card Services is violating the credit card act of XX/XX/XXXX by applying payments above the minimum to the lowest interest balances first not the highest. I am attaching statements for XX/XX/XXXX-XX/XX/XXXX since the transfer of 0 interest funds. I called once and had the interest charges removed. When I called on XX/XX/XXXX, about new interest charges the agent and the supervisor both insisted that payment was to be applied to the lowest interest balances first. I noted the credit card act of XX/XX/XXXX, and the supervisor replied that " a global company like Chase would not get it wrong. '' Please note : I am not making this complaint so much to recoup my {$7.00} as I am concerned of widespread violation at Chase and believe this should be addressed at the highest level.

Herewith the relevant paragraph from the XX/XX/XXXX consumer protection law : 164. Prompt and fair crediting of payments ( a ) IN GENERAL.Payments ; ( 2 ) by inserting, by 5:00 p.m. on the date on which such payment is due, after in readily identifiable form ; ( 3 ) by striking manner, location, and time and inserting manner, and location ; and ( 4 ) by adding at the end the following : ( b ) APPLICATION OF PAYMENTS. ( 1 ) IN GENERAL.Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Midland Credit I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried numerous times to get this inquires off my credit file that I did n't authorize. I have no account with these companies. The companies told me to contact Equifax & Equifax telling me to call them. This is very frustrating. The inquires are as follows : 1. XXXX/XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX ( XXXXXX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 6. XXXX XXXX XXXX XXXX ( XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 10. XXXX XXXX XXXX ( XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX ( XX/XX/XXXX ) 14. XXXX XXXX ( XX/XX/XXXX ) 15. XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inaccurate reporting with XXXX Experan and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX  and Experian is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX, Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX   XXXX XXXX. account XXXX Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, Experian and XXXX  considered furnishers? These are not my accounts and XXXX Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Checking or savings account

I recently updated my phone number in their system and then transferred {$2000.00} to my wife using XXXX. I tried to make a second payment and it was not allowed. 

This led to them locking me out of my online account access. 

I have been on hold for six hours over the last several weeks. No one is willing to listen to my pleas, they just transfer me to a fraud department that insists I provide a non-existent reference number, then tells me to come into their physical branch in person. But I live in XXXX and can not do that. 

I am who I say I am and need access to my account. This situation is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date : XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

the company website was down on the XXXX to make payment, called XXXX they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called XXXX to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account manager stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the three bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.
Product: Money transfer, virtual currency, or money service

I sent two transactions to a business in XXXX for a trip I'm taking this coming week. One on XX/XX/XXXX and one on XX/XX/XXXX. Both them took the money from my account right away and showed they went through to the business a day or two later.

The company I sent them to has told me they didn't receive the money in their account and has been communicating with Wise the entire time, several months after the first one and daily since the 2nd one.

Wise has now required me to communicate with the business and gather bank statements and upload them for review to confirm the money wasn't deposited. Wise refuses to speak with the business who received the money.

I should NOT have to be the point person on this dispute because my bank clearly shows the money was taken out and Wise clearly shows on their site in my account that the transaction w
as successful. Wise needs to work directly with the business in XXXX to resolve this with the bank on their side and leave me out of it.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about several issues Ive experienced with the credit bureau, including false account listings, multiple unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I require assistance in resolving these matters to ensure my financial security. Please investigate my situation and advise me on the next steps.