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

Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, XXXX : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. 

I also filed a dispute with XXXX  for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX  dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX has assumed a vital role. on XX/XX/XXXX I submitted complaint here on the CFPB portal about your Company Reporting Negative on my consumer Report. You responded on XX/XX/XXXX 6 days after stating that my report was updated which prove you never investigated it nor did you actually updated my Report to reflect all accounts Positive. I Clearly stated that I did not give you consent to report and you are in Violation of the FCRA. 

Per the FCRA As a federally protected consumer I am now Opting out of any and all authorization I the consumer may have giving you and your 3rd party affiliates written, unwritten, verbal or non verbal. XXXX, Equifax, XXXX you are the Furnisher of information, you compile and sell Reports, While selling those reports you are in Violation of 15 USC 6802 as you are disclosing my Non Personal information to those Non affiliates, which puts me at risk of Identity Theft. 

XXXX, Equifax, XXXX you are also reporting Transactions and Experiences ( late payments ) not only are you reporting them but you are reporting accounts that has been paid as agreed. Per 15 USC 1681a Transaction and Experiences are excluded on a consumers Credit Report. I did not give you consent remove at the reciept of the complaint. 

Per The Privacy act of XXXX I have a Right to Privacy and I Enforce these rights for the following Reporting accounts. 

Dispute1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$5300.00} XXXX filed a XXXX to the IRS that XXXX this balance to reflect {$0.00} XXXX XXXX XXXX XXXX  Balance {$580.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX Balance {$780.00} I did not give consent to report collections on my report Remove ASAP.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had a credit card with XXXX and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.
Product: Debt collection

On XXXX/XXXX/XXXX I settled a debt with XXXX for {$1000.00}. Subsequently they sold the debt to Portfolio Recovery Associates , LLC ( PRA ). PRA made NO attempts to collect the debt. In XXXX XXXX I discovered the debt on my credit report and contacted PRA via email asking for verification of the debt validity. The request was NEVER honored. I notified PRA that I was disputing the debt, I NEVER received any information from PRA. In XXXX XXXX I was informed by the Florida XXXX that my credit report indicated the invalid PRA debt. I again contacted PRA and received a form letter stating the original account holder, the date the account was open the balance on the account. In my XXXX XXXX contact I also requested verification of the validity of the debt, in writing and via the telephone. This was NEVER provided. I was informed by PRA via telephone that I MUST contact XXXX. XXXX advised when the debt was sold all records were given the PRA. PRA refuses to release ANY documentation to verify the validity of the debt other than a form letter saying it is valid. PRA has NEVER provide a statement, contract or any other documentation demonstrating the debt is valid. NOW I am XXXX but can not pass the XXXX until this matter is resolved.
Product: Credit reporting or other personal consumer reports

The 3 major credit bureaus are currently reporting accounts on my credit that are fraud. Here is a list of the items in question XXXX filed XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$60000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$18000.00} XXXX XXXX XX/XX/XXXX XXXX {$7600.00} Please remove these items, for they are injurious to my credit history. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presun that no proof of the alleged debt, nor therefore any such debt in fact therefor exists
Product: Debt collection

Did not know money was owed to XXXX XXXX XXXX XXXX in the amount of {$180.00} for a policy that had been cancelled in the state of XXXX XXXX. I was unaware of any payment due until I started receiving multiple phones calls throughout the day for months from a debt collector known as CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX who did not identify themselves as a collection company and to whom it was collecting on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I am attaching copies of the documentation that I sent to the credit bureaus via certified mail..
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Bank opened on XXXX, an auto loan account opened at XXXX XXXX on XXXX with a balance of ( {$9000.00} ), an auto loan account opened at XXXX XXXX on XXXX XXXX, a personal account opened at XXXX XXXX on XXXX XXXX a personal with Possible Financial on XXXX with a balance of ( {$180.00} ). A collections account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$890.00} ) A collection Account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$310.00} ), and a collection account opened at XXXX XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am a military veteran filing this complaint against Well Fargo Mortgage. I was impacted by the pandemic and could not keep up with my mortgage payments. I have never missed any payments on my mortgage until the pandemic. I entered into a forbearance agreement with Wells Fargo Mortgage 18 months ago. I have been in constant contact with Wells Fargo Mortgage during thee entire 18 month forbearance process. The last letter I received from Wells Fargo Mortgage was a letter dated XX/XX/2021 letting me know my payment suspension was coming to an end.at the end of XX/XX/2021. I reached out to Wells Fargo Mortgage on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021 I made my intentions clear that I wanted the VA Disaster Extend option and would resume paying my mortgage XX/XX/2021. I received a call on XX/XX/2021 in the afternoon from " XXXX '' Wells Fargo Mortgage underwriter who was assigned to my case only a week ago. He stated that I had to pay a mortgage payment of {$1800.00} by XX/XX/2021 in order to qualify for the VA Disaster Extend and if I could not do that then I would have to go to the second option, VA Disaster Modification ( a bad deal ). Essentially they are forcing me to take a VA Disaster Modification, even though I qualified for the VA Disaster Extend ( good deal ). I was livid. They provided no written communication detailing this and never said a word of this with in any of the over 20 previous conversations I had with them. I believe what they are doing is criminal, incompentent, and wrong. Also their employees do not know what they are talking about and contradict each other. They need to be investigated.
Product: Credit reporting or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past two years capital one inc is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX   and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX and XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX/XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -
Product: Debt collection

On XX/XX/XXXX i made partial payment towards my vehicle which was due date on XX/XX/XXXX. Left balance of XXXX. Advise i will make payment on XX/XX/XXXX i was told HAD to give my checking account information to prestige financial on the XX/XX/XXXX for that payment and for my XX/XX/XXXX payment as well? To stop collections calls. I advise per the contract that was signed i got 15 days grace period before i was considered late.I also ask why would set up XX/XX/XXXX payment now if its not due at this time? I got the typical response of : You have a 15 day grace period before a late fee is assessed. As soon as you are 1 day past due, you are past due. Once you have hit 10 days delinquent you are then sent to our in-house Active Collections team. Which still didn't anwser why i would set up payment before its even due?? In my opinion they are not following the language that i signed in the contract.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy. 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Product: Debt collection

The XXXX XXXX XXXX XXXX was hired by the Cavalry SPV I , LLC to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXXXXXX which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX XXXX  has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I had a 3 in1report pulled it showed alarming number of inquiries reporting under equifax only. I attached the entire report. It also had accounts on it under equifax only tbat are not on my actual report thriygh you all as of that same day to which o have included. 

XX/XX/XXXX XXXX pull all my reports as well basically the same thing as XX/XX/XXXX yet now not only does it have inquires that were renoved dating back XXXX XXXX of XXXX thus pull now has accounts reported XXXX XXXX XXXXXXXX that arent on my report as of that day but XXXX  has a reported delinquency dated XX/XX/XXXX youll see in the attachments. So just the other day customer service at equifax mentioned that XXXX XXXX XXXX XXXX also had a delinquency reported in XX/XX/XXXX that the latest dispute cleared up but not only does my end not show anything like that or that was the reason why I entered the dispute in the first place but none of my monitoring services or even the one through uou all ever picked up that late pay the dispute number XXXX is the number they used to view that late pay but what you mailed me is completely different which is my whole issues.
Product: Vehicle loan or lease

The following complaints were filed against Wells Fargo Auto XXXX on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) for failing to allow modification and/or payment arrangements on the auto loan, illegal repossession and deceptive trade practices. 

More recently, Wells Fargo was sued and ordered to pay {$3.00} billion dollars as it wrongfully seized homes and cars. The CFPB declared, 'Wells Fargos 's rinse-repeat cycle of violating the law has harmed millions of American families. 

After failing to allow payment arrangements on my accounts and illegally repossessing my vehicle Wells Fargo caused significant damage to my credit and personal well-being as I was forced to file bankruptcy. 

Wells Fargo has not provided a settlement arrangement or payout as required under the terms of the class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in dispute to the payment history reported fromXX/XX/XXXX through XX/XX/XXXX. During XXXX XXXX XXXX XXXX, and XXXX XXXX. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XXXX, XXXX, and Transunion). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XX/XX/XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XX/XX/XXXX representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XX/XX/XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Product: Mortgage

In XXXX of XXXX, I was denied a loan by Equity Prime Mortgage, NMLS # XXXX /NMLS # : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. At the time of denial, I had a credit score that exceeded the minimum requirement to obtain their product. DTI ratio requirement met. Proof of income, and proof of ability to repay. Subject property also met financing guidelines.The company did not provide the reason for the denial nor attempted to advise on how to obtain approval. I felt discriminated against because I met all minimum requirements to obtain a loan. 

The company may have changed names during this period.
Product: Credit reporting or other personal consumer reports

Not accurately investigating my complaint for the removal of this information from my credit report. They didn't reinvestigate or provide any XXXX details on how it was verified. It was XXXX XXXX XXXX XXXX. Returned back stating it was found to be accurate and either left it there or placed it back on my report.