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

Wells Fargo XXXX XXXX XXXX  XXXX XXXX MD XXXX has false consumer information on my credit report. I disputed it and they lied and said they certify that the info is correct that my home mortgage was a part of my Bankruptcy when it wasn't. It looks as if i did not pay for my house when i did. I refinanced and then paid for it a year later. It shows on the report that my home was paid with my new lender who paid wells fargo. So how can it be a part of the BK.. They also added false late pays since disputing trying to make my credit bad. I had no lates and i couldn't have been late or i wouldn't have been able to refi.. They refuse to remove the false info.. I need the person doing this removed from wells fargo and the false info on my report removed. No judgement dismissed the debt per their fraudulent notes, wells was paid in full as my records show. I also was not late on payments more than 30 days nor negative like they just added to my file. XXXX  should be ashamed of themselves for allowing wells fargo to do this. They can see the same house was paid in 2017 which was the company i refi with. Please investigate them. They are playing with our lives making us not even be able to rent while having a low score over lies. Shame on wells fargo and the credit bureaus for allowing falae info to be added. I paid my wells fargo dealer loan off also XXXX with no late pays. They are liars and should not be in business if they are going to keep frauding Americans like this.
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. I sent letters to EQUIFAX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} - XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$750.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items listed to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in general if, after any 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account Experian ***** XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX$180.00} Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Debt collection

I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX.

When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every month!
Product: Debt collection

in XXXX my identity was used to obtain several credit cards. I contacted the companies at that time and explained everything. it was resolved. earlier this year i received a notice from Portfolio recovery solutions requesting to settle the debt for half of the amount owed. I ignored the letter but received another one just recently. I sent a letter to the company stating that it was XXXX years old and identity theft. I told them never to contact me again. I received a letter yesterday asking for copies of the police report and verification that this debt is not mine. even after i told them not to contact me they are still harassing me.The letter states that the debt was purchased XXXX/XXXX/XXXX from arrow financial. the balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX I have asked multiple times for XXXX accounts that have been closed for some time now and were closed in good standing, to please be removed from my credit report all together. These account are not delinquent and have no reason to still be showing up.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent inquiries appearing on my credit report. 


XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with trying to fix my credit report since XXXX of this year. My credit report is incorrect and has impacted my life. I had looked into refinancing my house in late XXXX. I was denied. All I should have on my report is my mortgage and XXXX student loans. I looked at my report through all 3 credit reporting agencies websites. XXXX and XXXX investigated and corrected my disputes. TransUnion investigating for a couple of hours and concluded my report was correct. XXXX XXXX XXXX the report changed every day. I disputedthe changing reports 8 times. XX/XX/XXXX was the last time I was able to view my report on their site. The date on the report said XX/XX/XXXX and my twin sister 's name was now under my social security number. I tried to contact customer service but could not get through and was denied because I could not verify who I was. On XX/XX/XXXX I attempted to open my TransUnion file I had saved on my computer. The screen went black and flashed a security alert. I was able to take a picture when I hit the alert. It was a XXXX virus that had affected the TransUnion file. My computer was hacked and so was my email. I was unable to speak with anyone from TransUnion. I contacted XXXX and XXXX to place a freeze on my reports. As a precaution I was advised to place possible identity theft and fraud. Fraud being the fact that TransUnion continued to change my report, verified it to be true many times without looking into any of my disputes then took my social security number. Identity theft due to the fact that my email was hacked and had to be changed several times and I was told by XXXX my information was found on the dark Web 8 times. I would like someone to look into this matter. I can not verify who I am, my name is on the dark Web, my sister is associated with my social security number and my credit score has dropped from over XXXX to XXXX. I can not place a freeze on TransUnion 's report. I have been stressed and overwhelmed dealing with all of the financial issues that are not my doing. I have attached some of the reports I had through my own email. I can no longer access any other files on my computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1300.00} XXXX XXXX {$93.00} I have made online disputes, letter disputes and also sent a consumer fraud reports to the FTC & all bureaus & now making complaints to the CFPB to have these Removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries and inaccurate information shown on my personal credit report. I listed below the items which UNKNOWN to me. Since I did not authorize to obtain my credit report, I demand that these inquiries and inaccurate information be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX so that I could make my rent payments and gain points. 

I used the card on a Friday morning to pay my 1st month 's rent + my security deposit ( {$2400.00} ). My renter 's portal showed that my transaction was successful. 

On Monday, I checked my ledger online and saw that the payment had process and had also posted ( I have proof of this ). 

Afterwards, I took {$2400.00} I had in my personal checking, and made a payment to XXXX for that amount. A few hours later, I received an e-mail from XXXX saying that my payment to my landlord had been denied. After that, I received communication from my landlord stating that my account was past due and that the payment was not procced for " insufficient funds ''. 

I called my landlord and they stated that this situation was strange because the accountant confirmed that they had the money deposited into their business bank account. This further corroborated that that transaction was completely posted by the time I check online. XXXX rescinded my transaction AFTER it was posted and AFTER I made the payment for the full amount. 

Now, my landlord is upset because my payment bounced, and I have no funds to pay them directly since I sent that money to XXXX. Now I am being told that even though my funds were taken from my account in 1 business day and they were able to rescind a posted transaction, I have to wait 5-11 business days to receive my cash back. 

If you call the number they provide, all you receive is an endless loop asking you to please contact them using their " chat '' service on their website. Well, if you visit the website you will notice that they do not have a chat feature. They have a system that appears to be chat, but when you ask to chat with an agent, it simply composes an e-mail for you, and says that you will receive an e-mail back from them. I have not been able to get this issue fixed.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Took out a loan with XXXX XXXX and then got transferred over to Navient and wasnt able to get payments lowered
Product: Credit card or prepaid card

On XX/XX/2020 my account was set up for auto payment and I paid the minimum balance of {$200.00} to my account. Then on XX/XX/XXXX my online account was showing that my account has still not been paid so I paid another {$300.00} because my account was now showing a late fee. Several days later I received a call from a Representative from the bank saying that my account was past due. I then told her I have now made XXXX separate payments in hopes to keep my account in good standing. After several minutes the representative said that she now sees the payments but that they were not " pushing over into my account ''. She then assured me that my account would not be listed as late and my credit would not be affected. 

In XX/XX/2020 I was notified that my credit report was now showing a 30 day late account on my credit bureau. I have tried to contact the company several times to resolve this but I have not been able to find resolution. 

I now can not attain a mortgage because of this unfair situation.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the difficulties I have encountered in accessing my free annual credit report through your online platform. Despite multiple attempts, I have been unable to obtain my report, which is essential for me to review and ensure the accuracy of the information contained therein. 

Each time I log in to access my report, I encounter obstacles that prevent me from completing the process. Whether it be technical glitches, denial of access, or requests for alternative means of verification. the result is the same- I am left without access to vital information that is crucial for managing my financial affairs responsibly. 

As a consumer, Ii am not only entitled to but also legally obligated to access my credit report in order to identify and dispute any inaccuracies or fraudulent transactions. However, the barriers I have faced in obtaining this information are hindering my ability to fulfill this obligation. 

I urge [ TransUnionXXXX ] to address these issues promptly and ensure that your online platform is accessible and user-friendly for all consumers. It is imperative that you uphold your responsibility to provide accurate and timely access to credit reports, as mandated by law. 

I request that you take immediate action to resolve this matter and provide me with the necessary assistance to access my free annual credit report without further hindrance. I appreciate you attention to this matter and look forward to a swift resolution Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am of victim identity theft and have contacted Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, XXXX and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, Bank of America # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Product: Mortgage

XX/XX/XXXX received letter regarding zombie 2nd mortgage loan from Realtime Resolution which original loan was a XXXX XXXXXXXX XXXX HELOC loan that was originated in XXXX that was {$65000.00} at 8 % interest. Which I utilized a XX/XX/XXXX loan to purchase home. Payments were made on account. Realtime resolution is requesting {$140000.00} at 12 % interest rate for same loan for the remaining time frame of original loan. Realtime resolution is foreclosing on my home. I sent a qualified mortgage resolution letter to real time resolution to validate account in XX/XX/XXXX. Did not received correspondence within the 30 days of QMR letter sent to Realtime Resolution and received Notice of Default was sent on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Subject : Debt Validation Request for Account Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the account number referenced above. I believe this account is the result of identity theft, as I do not recognize or owe this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Proof that your company has the legal right to collect on this debt.

2. Details of the original creditor and a breakdown of the amount claimed.

3. Copies of any signed contracts or agreements related to this debt.

Please investigate this matter thoroughly. Until the debt is validated and confirmed as legitimate, I request that all collection efforts and reporting to credit agencies cease.

Thank you for your attention to this issue. I look forward to your response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
Product: Credit card or prepaid card

This is a follow up to complaint # XXXX First Citizens Bank has not refunded the 2 days of interest nor have they paid me the over payment on the account. They did close the account but that's all they have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that shows as a charge-off that is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed The signature on those document they send me. That, s not my signature.I wrote a latter to collection representative XXXX XXXX XXXX asking to remove that debt is not mine. I hope they do they write thing by deleting that information not matching Signatures That is not mine.
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX  , I applied for a card from  Capital One.   The application was n't approved. Today,  XXXX   XXXX ,   XXXX  , I was emailed a letter from  Capital One.  This letter was exactly the same as the previous letters that I have received from them.  Capital One  is claiming that based on my application, there is pending legal action against the applicant. They once again have not provided me with the name and contact information for the agency that furnished  Capital One  with the information used in this credit decision as required by law. I have received phone calls on two separate occasions from individuals who claim to be with  Capital One ' s  executive  office. Apparently they can not, or will not help me. I ask for the agency that provided this information so that I may dispute it. " I 'm not sure '', or " I do n't know '' is the standard reply. I am told to check with local and federal courts to see if there are any public records about me. I havechecked, and there are no legal matters about me.
Product: Credit card or prepaid card

My citi bank credit card was closed in XX/XX/2022. I had never missed a payment nor have I ever been late on mentioned account. The amount I owed was XXXX which I was going to pay once I got paid.