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

Experian has failed to update payment history that XXXX XXXX  has submitted. XXXX  has already done so 45 days ago
Product: Credit reporting or other personal consumer reports

I want to place a freeze on Teletrack, an Equifax Company.
Product: Credit reporting

I have a child support agreement that was set up by our attorneys. I have never been late on it yet the agency is reporting that it has been late twice. I have asked them several times to fix it but they wont. This has gone on for many months without an answer. I thought they were supposed to respond within 30 days or remove the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have automatic payments set up. For some reason, they did not get set up properly on one account - BestBuy. It is inaccurate. As you can tell, this one late payment is hurting my personal credit score significantly. I have never missed any other payments. My credit history is fantastic and perfect. I have not missed any other payments ever. Can you please remove the late payment from BestBuy? I have a 99 % accuracy for my payment history. 


1. Best Buy/cbna : Creditor Information. 
BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Opened : XX/XX/2018 ( 1 yrs, 5 mos ) Late Payment : XX/XX/2018 for the amount of {$77.00}. Thereafter, I have made 94 % of payments for this account on time. I have contacted the company and disputed.
Product: Student loan

XXXX XXXX XXXX XXXX  have been included in the XXXX XXXX XXXX class action settlement, which proves the pattern of wrongdoing related to predatory lending. Due to the nature of this settlement, only federal loans are applicable with no relief for borrowers plagued by privately held loans. The predatory lenders ( started as Sallie Mae but converted to Navient ) are also complicit in taking advantage of borrowers using falsified data and high pressure tactics to rack up insurmountable loans. I am one of the borrowers who has been paying private loans with high interest rates for years, with barely a decrease in balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that appear on my credit report, which I believe to be fraudulent. I request that you investigate and remove them from my credit report, as they are not valid and do not belong to me. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthinessXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Debt collection

The original creditor XXXX XXXX of XXXX is billing me {$35.00} for a copay that was paid on the date of service. This facility requires payment at time of service ; however, I have been receiving phone calls in reference to this debt from a debt collection agency and just recently received a letter in the mail. I do not owe this and it has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made timely payments to Wells Fargo on a monthly basis since XXXX of 2020 without being late. They still have me as delinquent and this has negatively effected my credit score.
Product: Money transfer, virtual currency, or money service

I was testing out Crypto.com and put money in my XXXX XXXX. I treated successfully and tried to withdraw. Couldnt do it ask for help trying to follow those tips ask for help asked for help again was taking weeks finalization do you have to pay a fee 35 % of the money I have in there cause I havent used it in a week or two. And now theyre saying that to pay that fee on Exchange which I can not because it says its not available to me so Im out {$3000.00}. They wouldnt help me long enough and now the exchange doesnt work to pay the fee so they have my money and theyre not giving it back. Thats not fair thats not nice and it seems shady..
Product: Credit card

In re : credit card ending in XXXX, please note that this account was paid in full on XX/XX/year>, minus the balance of {$15.00}. However, this balance was fully covered by the accrual of earned " Rewards and Benefits '' credits that resulted in a {$0.00} balance. See attachments. 

Nevertheless, instead of applying these hard-earned benefits to credit card account ending in XXXX, CapitalOne continues to add erroneous interest and late fees. 

In re credit card ending in XXXX, the balance of {$770.00} is currently being paid off. Please note that this credit card account also has an accrued balance of {$210.00} in " Rewards and Benefits '' points that CapitalOne is refusing to apply as indicated and advertised and that would result in an account balance of approximately {$560.00}. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

And # submitted to you already # XXXX was a nightmare still is. I got physically harmed to attys shot me in my arm. I believe. 
Experian received my dispute they granted me XXXX of my report failed to keep there truth removed after it was all done with due process. When consumers closed the complaint. As as walked a way they removed the XXXX and all the other agreements they made they did not follow thru. Back to square on XXXX XXXX did the same thing refused to give me my report XXXX too then there's a statement saying class action suit for XXXX experian data breach of XXXX XXXX dollars XXXX XXXX in security alone .no one filed a complaint time I did XX/XX/XXXX B 's all futious names. They sent me a cheap post card XXXX. Ok incorrect name .be careful there in your office moles. hacked in bank accounts Look I'm in a serious fight here this is bull I have the documents on this also fraud case that belongs to those defendants Atty. All directed about them. I won bottom line here the info please look into this I do not trust anyone either they took my home my car. lied to!? lied to all my of creditability there's XXXX lawyers XXXX and XXXX XXXX are dangerous and I want them off this suit action this suit and pay me quite dancing I'm hurt physically they made me sleep in a storage XXXX  even XXXX  my daughter put her in a institution.serious. I'm not crazy I know how crazy it sound but im not backing down XXXX. Bar asst. Needs to be contacted also about these two they lie stink nasty think there smart. hacked paid XXXX to hit me by a co car $! shot me! Yes a XXXX there pathetic and desperate. stole money sent fake emails lied to unemployment had pretend to be an agent take my info and disabled my income so I would give up played XXXX cop bad cop XXXX XXXX desperate XXXX did that! financially broke I want l legal action as giants them I swear by on XXXX. Bribery maybe too judge tamper whole case wolf Atty both are XXXX to nievey.
Product: Mortgage

I, XXXX XXXX XXXX, was forced out of my home XXXX, by which US Bank, XXXX XXXX and its affiliates committed fraud, constructive fraud, civil theft, and breach of contract ; along with intentional infliction of emotional distress in order to provide them with leverage to be able to successfully foreclose on my home. 
Only as a result of my official complaint ( XXXX ) through the CFPB against U.S. Bank was I able to get ANY form of a response from their organization. As of XX/XX/XXXX, the Law Office of XXXX XXXX XXXX has instructed me to request U.S. Bank to provide me with the following additional documentation below:1 ) Life of the loan transaction history. 
2 XXXX Letter XXXX XXXX ) stating when payments changed. 
3 XXXX Court summons of eviction notice served by U.S. Bank on XXXX XXXX XXXX during the month of XX/XX/XXXX. 
4 XXXX U.S. Bank 's refinance/modification guidelines that stipulates how an applicant must be behind on their mortgage in order to be eligible for a loan modification. 
5 XXXX All decline letters for both refinancing and loan modification issued by U.S. Bank prior to XXXX XXXX XXXX every became delinquent with his loan payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was scammed through XXXX A person contacted me as a bails bondsman and I unknowingly sent {$2100.00}. Another transaction of {$800.00} was also sent on XX/XX/2022 to the same person. I contacted Wells Fargo within one hour of realizing it was a scam. I was given two case numbers. Weeks go by and I did not hear from my bank. I called them on XX/XX/2022 to check my claim status and was told that they are waiting for the receiving bank to reimburse my money. I have not heard anything back. I was not told who the other bank was. I was never notified about my cases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Account Information Request for Removal Dear Sir/Madam, I am writing to formally dispute the account listed below in my credit report. I have reviewed my credit report and found that the information associated with this account is inaccurate and fraudulent. 

The details of the account in question are as follows : Account Name : XXXX Account Number : XXXX Type of Account : [ Specify account type, e.g., credit card, phone account, etc. ] I believe this account is a result of fraud, and I did not authorize or open this account. Therefore, I am requesting that the account be removed from my credit report, as it is not accurate according to the Fair Credit Reporting Act. 

Please investigate this matter thoroughly and update my credit report to reflect the accurate information. I also request a written confirmation of the resolution of this dispute once completed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved within the required 30-day period, as outlined by the Fair Credit Reporting.
Product: Money transfer, virtual currency, or money service

I tried to log into my crypto account with Kraken on XXXX XXXX XXXXXXXX and i couldnt log in, i received a message saying " credentials dont match our records ''. I didn't understand this as i knew i entered the correct user id and password, but i tried to reset both just to be sure, however i did not get a reset email back so i could not proceed. 

I called the Kraken help line and they said that they would manually send me an email reset, but still i didn't receive anything. They told me that they would escalate the problem. 
I looked on the Internet to see if i could find out why i wasnt receiving the email and i found information saying check on my email account to see if there are any filters. So i went into my email and a thief had put a filter on there saying " any messages received containing the word " kraken '' delete immediately. There was also a separate note saying forward any emails received to XXXX XXXX The thief then asked kraken for my user id which they happily gave without making sufficient security checks, then with my id they asked for a password reset, which again kraken allowed without making security checks. It did not seem suspicious to kraken that my registered account is in XXXX and the request for my id and password reset was made from XXXX! ( Kraken sent me an email telling me the ip address that had been used to ask for my personal information and from where the funds were withdrawn, the police traced this to XXXX ). In addition to this i used to use a fingerprint biometric check to get into my account, which had disappeared. 
As the thief had reset my password this is why i could not get into my account. I had to go through more thorough security checks with kraken before they restored access to my account and once in there i could see that someone had converted my XXXX XXXX  crypto into XXXX  and then withdrawn it on XXXX XXXXXXXX XXXX. 
All of this was told to Kraken, but their help desk said they can't do anything as they have limited access, but they would escalate to their specialist team that would look into the situation. I was issued with a ticket number XXXX which they have marked as " sorted ''. They said if you want to progress this then go to law enforcement, which i did. I reported the above to action fraud and an officer XXXX XXXX XXXX  called me to tell me that he would look into the case. XXXX XXXX gave me a crime number XXXX and told me that after some investigation that the theft took place from XXXX. 
My complaint is based upon Kraken taking my money onto their exchange ( it has only been there for about 3 weeks ) and giving my id to a thief and allowing that thief to do a password reset and ultimately gain access to my account and withdraw my funds without taking essential security steps and verification, even though suspicion should have been high due to the different address locations. Their attitude throughout has been " not interested ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased and own my used vehicle XX/XX/XXXX. I purchased XXXX  XXXX  6 months policy XXXX comprehensive insurance. Now it's time for me to renew my insurance and I decided to go with XXXX. However, I noticed that both vehicle insurances used LexisNexis for my driver record. Well it's recorded that on XX/XX/XXXX I have a violation of leaving the scene of an accident. I went to court with my lawyer, and that was dismissed. They're records needs to be updated. It is affecting my rating. I do admit that my driving record hasnt been the best since I moved to New Jersey, but the correct facts/information needs to be reported accurately and truthfully in all fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name XXXX Employer XXXX XXXX XXXX XXXX Addresses 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 XXXX Collection XXXX XXXX XXXX XXXX XXXX Experian Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Our original mortgage lender sold our loan to Nationstar/Mr. Cooper in XXXX. Our loan has been with Mr. Cooper since early XXXX. Immediately, we set up automatic payments from our bank with the loan account information given to us by Nationstar/Mr. Cooper. For all of XXXX, payments were sent, accepted, and applied to our mortgage balance without complications. 

In XXXX, Nationstar/Mr. Cooper began accepting our payments, DID NOT apply them to our account, sent them back to us 14 days later, charged us a late fee, and then contacted credit reporting agencies to downgrade our credit. As soon as we learned that there was an issue in XX/XX/XXXX, we sought to understand the source of the sudden problem and have a workable solution. 

We have now spent hours on the phone, fax, email compiling supporting documents and communicating with their customers service department. We engaged in a three-way call with our bank. Our bank issued evidence of the ON TIME payments we were charged late fees for as well as the return of payments WITH NO EXPLANATION. Mr. Cooper would only issue letters from their " Research Department '' that the issue was being investigated and they would send us information in 30 days. 

When the same thing happened in XX/XX/XXXX, I grew impatient and very upset. I used social media to call them out. Within 24 hours, Mr. Cooper had contacted me and reversed the late fees, backdated our payments and supposedly contacted the credit agencies. 

BUT the damage is done. We can not trust this company. Our credit is already damaged. We have already had to work very hard to just get them to do their job. 

We are seeking another lender at this time. It will cost us in XXXX, closing costs and time. 

Mr. Cooper is running a spectacular scam -- take the money, hold the money, use it as they want for XXXX weeks, send it back, charge the customer a fee, downgrade the customer 's credit so they are beholden to Mr. Cooper because other lenders are leery of their recent credit history. Whoever thought it up is an evil genius. 

It deserves an investigation. We deserve some recompense for our distress and the money will will spend to ensure we are no longer associated with the unprofessional and unethical practices of this company. We are fortunate that we CAN pay the fees associated with an increase APR and loan costs ; other people may not be so fortunate. BUT WE SHOULD NOT HAVE to incur these costs because of their mistakes. 

Please help us. 

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

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is appearing on my credit report specifically related to an XXXX XXXX account, which I believe is the result of identity theft. This inaccurate information, including inaccurate dates associated with the account, is negatively impacting my credit score and my ability to obtain credit. 
Details of Inaccurate Information and Identity Theft : * Stolen XXXX and XXXX XXXX : My XXXX was stolen on [ Date of theft ], and I believe my XXXX XXXX information was accessed and used fraudulently as a result. I reported the theft to [ Name of law enforcement agency ] on [ Date of report ] ( Case number : [ Case number, if applicable ] ). 
* Unrecognized Account : My credit report shows an account with XXXX XXXX XXXX  XXXX that I have no knowledge of ever being opened. I did not apply for or authorize this account. 
* Inaccurate Dates : The dates associated with this XXXX XXXX account are inaccurate. I have never possessed an XXXX XXXX, so any dates related to account opening, alleged use, or charge-off are incorrect and should not be on my credit report. 
* Charged-off Status : The XXXX XXXX account is listed as " charged-off, '' indicating a loss due to non-payment. I have never had an XXXX XXXX, so I could not have missed payments. 
* Late Payment History : My credit report shows a low percentage of on-time payments, which is inaccurate. I have always paid my bills on time, and this incorrect information is likely associated with the fraudulent XXXX XXXX account. 
* Conflicting Information : While the XXXX XXXX  account is listed as " charged-off, '' the " Charge-Off Amount '' field is marked " Not Reported '' across all three credit bureaus ( Equifax, XXXX, and XXXX XXXX. 
* Failure to Investigate : I have contacted [ Name of entity you reported the theft to, e.g., XXXX, XXXX XXXX ] on [ Date of contact ] to report the theft and unauthorized charges on this Apple Card account. They have refused to investigate this matter. 
Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, including the potential identity theft and the refusal of [ Name of entity ] to investigate my report. Due to the extent of the inaccuracies, I request that all information related to this Apple Card account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I am also requesting that the credit bureaus ( Equifax, XXXX, and XXXX ) provide me with proof of the legitimacy of this XXXX XXXX account, including any documentation that links this account to me. 
I have attached a copy of my credit report with the disputed items highlighted. I am also willing to provide any additional information or documentation that may be helpful in resolving this issue, including a copy of the police report regarding the theft of my XXXX. 
Thank you for your time and attention to this matter. 
Sincerely, [ Your Signature ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be discarded right away : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX L XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found a couple of inquiries on my credit report that I do not recognize, never authorized. I have sent multiple letters to Equifax about it but nothing has been done. It is EQUIFAX responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. I have never authorized those inquiries and I don't even know those companies and don't have an account with them. Remove immediately those inquiries!!!!