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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Product: Credit reporting or other personal consumer reports

This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all 3 credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under XXXX twice which is showing duplicated accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having excellent credit for 25 years, my bank recently informed me that my credit score with XXXX ( " XXXX '' ) had dropped dramatically. They recommended that I review my XXXX credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by Midwest Recovery Systems LLC, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of Midwest, I immediately filed a complaint with XXXX. Within a week, XXXX wrote back and stated that Midwest had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until Midwest removed it. XXXX suggested that I contact Midwest to resolve the matter. I called Midwest on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The XXXX rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} ) they would remove their claim with the credit agencies. HOWEVER, Midwest could not produce ANY facts about when, who or why I owed this money. I checked out Midwest with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been XXXX  complaints about them in the last 3 years. My credit has been damaged by this scam. XXXX should be VERY SKEPTICAL about ANY claims lodged by Midwest.
Product: Credit reporting or other personal consumer reports

Heres the completed text with your request for account removal : I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding.
Product: Debt collection

I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of.
Product: Payday loan, title loan, personal loan, or advance loan

i appied for a payday loan and was approved for a line of credit of {$950.00} this account was open XXXX, XXXX i made payments but my payments went to interest. I got behind with my payments and made payment arrangements to get the balance paid. These arrangements were made XX/XX/XXXX. I had to make XXXX separate payments. One payment was for {$100.00} and another payment was for {$120.00} made at the same time on my paydates XXXX and the XXXX of each month. I paid {$900.00} for my past due amounts. I talk to Collections department on Friday XX/XX/XXXX and was informed that {$970.00} still remains due for the balance on my account. I asked the representative what was i paying she replied interest. I was informed that I was paying 664.29 % interest and was also informed to hurry and pay it off to avoid more compounding interest. this was not know before i signed the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), COLLECTION ( Opened XXXX XXXX, XXXX, Balance {$280.00}, Original Creditor Name COLLECTION ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX  ( Opened XXXX XXXX, XXXX, Balance {$0.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Sent Cease and Desist letter to NCA on XXXX XXXX, 2015. Company continues to make frequent calls to me, employer and family members despite explicit instruction to cease such communication.
Product: Credit reporting or other personal consumer reports

Furnishings personal information on consumer report without written or oral consent. A violation of 15 USC 1681b permissible purpose. Harassment.
Product: Checking or savings account

Wells Fargo suspended my account due to " suspicious activities '' which in reality is me wiring money to my international account in XXXX XXXX. 

They, therefore, suspended my online banking account and refuses to reactive it saying the only way to reactive my account is if I come in person to one of their branches. 

I live abroad right now so I can not physically be there.
Product: Credit reporting

On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. Experian has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 experian has me at a score around 590. That is a huge difference. experian paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with experian. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact experian more than 21 times.experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit card or prepaid card

I noticed that an interest charge of {$90.00} was applied to my Chase Credit Card account on XX/XX/XXXX. I was surprised by this charge, as my auto-pay settings had been established to pay the statement balance in full. However, without my knowledge or consent, the auto-pay settings were modified to pay only the minimum balance, leading to the accumulation of interest charges. When I found the charge on XX/XX/XXXX, I contacted Chase customer service to investigate the issue and seek a resolution. Unfortunately, despite my efforts to clarify the situation and emphasize that the auto-pay settings were changed without my authorization, the representative I spoke with was unable to provide a satisfactory explanation. Furthermore, they stated that they were unable to reverse the interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a GA tax lien on my credit report since   X/2011  in th e amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies . (   XXXX ,  XXXX  and TransUnion  ) b ut has not been done.The GA  State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court s aid they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting m y credit score s ignificantly and I desperately need help getting this removed.
Product: Credit card or prepaid card

On Friday, XXXX, I received a call from Capital One about an important message related to XXXX XXXX  credit card. I called the number on my credit card on Sunday, XXXX, to inquire. I was told by customer service that my account had been deactivated and in order to get it corrected I needed to send in a copy of the front and back of my state-issued ID, a copy of the front of my Social Security card , and a recent utility bill. Despite my repeated questions about why this was necessary a suitable response was never given. I even spoke with a supervisor but was told the system wouldn't allow her to tell me the issue until after I had submitted the requested information. Further compounding the problem, any current rewards I have earned by using the credit card are now frozen and no longer available to me. I called XXXX customer service but they said there was nothing they can do. Before I cancel the card I thought I would try this complaint service as a last option.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa Violations, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, Experian, XXXX and XXXX, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, XXXX and XXXX show me as current in XXXX of XXXX ( which I was ) However, Experian is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX XXXX and Experian show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX Experian, XXXX, and XXXX. I kindly ask that these negative marks be removed immediately from my credit reports.
Product: Mortgage

this is not the first or even the 30th time I have reported WF but after reading class action suits against the lawyers who filed my foreclosure and in light of the help I sought BEFORE they filed foreclosure I am filing yet another complaint and I ask this to be reassigned. XXXX who issued the XX/XX/XXXX letter has not followed up despite my requests to do so. and I still have no information I am requesting. Also I do need copies of all ALL letters sent toWFHm over the years. This will be to attaich to my motion to dismiss foreclosure I will be fiing since I did not get the required 30 days from XXXX before a complaint was filed to cure the default and I have other concerns. I need to know if my property taxes have been re adjusted despite the loans status since I sent in information to do that from assessor office on XX/XX/XXXX. Also I want an explanation of the XX/XX/XXXX letter about XX/XX/2016 taxes fluctuation. I have requested that of XXXX XXXX subsequent to getting the letter of XX/XX/XXXX but have heard nothing. Also the homeowner specialist I spoke to a few weeks ago was very nasty. please re assign. I am working to get funding from hardest hit program since I appear to qualify. Please know I requested validation of debt BEFORE complaint was filed for foreclosure I got it AFTER the complaint was filed. So I have many concerns over this and will fight it all the way. Again to CFPB I need all letters I have written to WF sent to me requesting help to show the judge. 
I feel I will get scripts here. but know I have half the money to pay you. you want to sit in foreclosure status. with lawyers who appear sloppy due to high volume. please also ask them as I have to pdf me another copy of foreclosure complaint. I need to know the info I sent in on property taxes has been sent in. and included. also the person in SC I was told to contact in XX/XX/XXXX letter HAS NEVER RESPONDED.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have requested my credit reports from XXXX, XXXX and Equifax and after careful review and investigation I have found 4 negative items and 65 unauthorized inquries on my credit profile. I have contacted the consumer reporting agencies and disputed and notified them all of unlawfully reporting of unauthorized inquiries on my credit profile of an account that was opened on XX/XX/XXXX. I have not given them any permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft and Defamation Of Character pursuant to 18 U.S.C. 1028A. They have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liabilty.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both '' By willfully violating the FCRA, I am willing to settle their civil liabilty damages I have suffered because of their violations for {$3000.00} from ( XXXX, XXXX and Equifax ) pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should they fail or refuse to settle the demand, I will seek actual damages which are greater than {$3000.00}.
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per XXXX XXXX, I formally request their removal within 15 days. Relevant documents are provided for your reference.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The date of these disputes are as follows : XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on Sunbelt Credit. I have never been late and they need remove/fix the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, resulting in unauthorized accounts appearing on my credit report. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my ID and SSC card to validate and verify my identity. 

I am writing to submit a formal complaint against XXXX, XXXX, and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following account : Account : XXXX I have submitted dispute letters to all three credit reporting agencies, detailing the inaccuracies and requesting correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, XXXX, and Equifax comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX, XXXX, and Equifax, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows past due however I have never been past due. I requested forbearance do you covid-19 and they granted it, however they sent me something to sign in the mail which I didnt receive. They had me sign Something and I sent it in, they said it would be taken care of. However it shows me being past due but not the case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Back in XX/XX/2015, I confused the monthly payment due date of my Capital One credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...