23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. 

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

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus Transunion and XXXX about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the aforementioned account. Furthermore, the disputed accounts were never verified. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Product: Credit reporting or other personal consumer reports

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.
Product: Credit reporting or other personal consumer reports

Ive call Equifax serval times about my credit report and score when I login to Equifax it tells me to call and give the Agent the code blnk number have done this and was told it would be fix but was never fix this been going on for over a month and its hurt me from obtaining my correct information and score
Product: Credit reporting or other personal consumer reports

This company is reporting information that for one doesnt belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was deemed by Equifax there was no proof validating ownership with a signed contract owing XXXX XXXX XXXX account # XXXX in regards to this account on my profile. Therefore, it was removed. 

Then 5 days ago on the XX/XX/23 it was added back on to my credit profile. 

However, I WAS NOT notified in writing within 5 business days per FCRA guidelines of the reinsertion of this account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Equifax. They are reporting that I have late payments on the following account : XXXX  which is inaccurate and they have not provided how they verified this information to be true. In addition, all 3 agencies are reporting different information which means that the information was not verified and not reporting at 100 % accuracy! 

If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payment in question : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX - Balance {$530.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX - Balance {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX {$470.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I requested the Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

Letter of sale or assignment from the original creditor to there company. Agreement with credit that grants them the authority to collect on this alleged debt.
Product: Checking or savings account

Citibank opens an account without my knowledge, transferred funds from XXXX XXXX. Starts in XX/XX/XXXX ends fund transfer late XXXX to early XXXX. XXXX XXXX  record shows continued transfers from one account to Citi Savings. Account # XXXX. I commences a probe Citibank Employees upon being questioned the validity of the aforementioned by me, these employees vehemently denied the existence of the subject account. Until one day I have received a correspondence dated XX/XX/XXXX with attached XX/XX/XXXX to XXXX XXXX ; XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. I also printed the Activity Details stating XX/XX/XXXX the aforementioned was set up for recurring payment from my chase bank to citi account ending in XXXX attempts to fund transfer in the amount of {$85.00} was canceled. 

Pursuant to XXXX XXXX  Monthly Statement Transfers were resumes until late XXXX to early XXXX. However, according to Citibank monthly statement dated XX/XX/XXXX to XX/XX/XXXX current balance of {$840.00} was transferred but no other information was revealed. 

I discover the existence of this allege account when accidentally click the external account while conducting verification of activities in account ending in XXXX. I also found telephone numbers which were not familiar. While on that area System asks me to enter my phone, then right after I got a code number system asks to enter code which I did and was able to access this hidden account. Furthermore, please note XX/XX/XXXX XXXX record shows other transfer of {$840.00} no other information was described, question where the money went? As mentioned transfers had continued still. In addition, in this probe you will notice the correspondence Citibank attached created an attestation to falsely incriminate me, Citibank describing of a check, or checks which I dont have any knowledge of what so ever. This is the second letter Citibank wrote with a hoodlum and corrupt style mind tactics. Upon my further analysis on the first one which was dated XX/XX/XXXX XXXX. The hoodlum style has created chaos in my life and my family. This is not suppose to be this way. I have reason to believe that Citibank may have created a forge or bogus check to falsely incriminate me. In addition, payments to citi credit card were never credited appropriately into the account. Ill explain this matter in the near future..
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED THAT THERE IS SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY PROFILE THE FOLLOWING ACCOUNTS ARE FRAUDULENT EQUIFAX : XXXX XXXX XXXX XXXX Account XXXX Date openedOct XXXX, XXXX CXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX CR {$0.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX
Product: Mortgage

I was provided with a quote for 4.25 % interest rate and 4.268 % APR on Monday XXXX XXXX, 2015 from XXXX XXXX at Wells Fargo Home Mortgage. On XXXX XXXX when I went to lock the rate the APR jumped to 4.291 %. When I confronted XXXX about this he had to look into and talk to his manager and pull some strings to get it back to the original price. I have since received a Good Faith Estimate confirming the 4.25 % interest rate and 4.268 % APR. Today, XXXX XXXX 2015, I logged in to my loan tracker on Wells Fargo.com and the " locked '' rate jumped to an interest rate of 4.375 % and an APR of 4.43 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PREF LEASE  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous requests for reinvestigation have been sent out to Transunion, XXXX and XXXX regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX  {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}
Product: Checking or savings account

Unsure of the actual date start in XX/XX/year> to this date in total of about XXXX dollars this is with Navy Federal I have been banking with for over 2 years
Product: Mortgage

My wife lost her business in the end of XXXX, we have since separated and are in the process of divorce. We have decided that I would keep the house. In XXXX XXXX, GTS told me to enter into a forbearance loan for 6 months. At the end of the period if I made all payments on time I would be eligible for a loan modification. My monthly payment was XXXX, the forbearance was XXXX a month but I was told to save the addtional XXXX for each month that I would be required to pay a lump sum of XXXX in XXXX. How this was supposed to help be get out from under is beyond me. It is now XXXX XXXX and I received a letter from GTS that they in tend to foreclose on my home on XXXX XXXX. They wont give me the promised loan modification and offer me no resolution other than curing the debt by XXXX XXXX. They basically lied to me, I have been paying everything in full and on time and yet they are treating me like a XXXX. I want to keep my home and I do n't know what to do at this point to keep these thieves from taking it.
Product: Debt collection

request, through certified mail, validation of account/debt. to date no response
Product: Mortgage

THERE IS NO OPTION FOR " MORTGAGE TRANSFERS ''. XXXX XXXX  ( owners : XXXX  ) IS acquiring my mortgage from WELLS FARGO BANK! 
Serious problem? XXXX XXXX  committed fraud using MY information back in XXXX to try to create a " fake mortgage loan ''. It tripped up an ID Theft from the OPM ( Office of Personnel Management ), so I had to extend my ID Theft & Fraud protection. I reported this incident to the XXXX XXXX Sheriff 's Office. The Economic Crimes Division forwarded the report over because there were multiple victims. XXXX XXXX  was FINED. The Federal Judge ordered 'NO CONTACT ' with its victims. SEE THE PROBLEM? I had to breach the " NO CONTACT ORDER '' to contact XXXX XXXX and their response was basically " OOPS ''. I have touched bases with Wells Fargo Home Mortgage and Wells Fargo Bank to get them to stop the process of my mortgage to a Company that had COMMITTED FRAUD! They are implying " WE CAN'T ''. Yes they can, and bad enough, how many victims are going into the very system that committed FRAUDULENT LOANS? I know I can not be the only person! 
In addition, XXXX  XXXX XXXX ( since XXXX ) can not have any relations with me due to their corruption and money laundering ( I believe it was ) - PERMANENT NO CONTACT. XXXX XXXX XXXX  XXXX XXXX  can not have any relationship with me because they made multiple fraudulent reports and handled the case badly even though they had terminated 4 of their Fraud Team Members. The order was given- NO CONTACT. There are several others Banking and Mortgage System which are defunct today due to Federal Arrest and Jail, so I do not need to list those defunct companies. WHAT PROTECTION DOES A CLIENT WITH A MORTGAGE HAVE WITH A " NO CONTACT '' ORDER BY THE FEDERAL JUDGE? TO A JUDICIAL SYSTEM - BOTH OF US - XXXX XXXX  AND MYSELF WOULD HAVE TO GO TO FEDERAL PRISON FOR UP TO 20 YEARS when I am a victim. 
YES, I am fully aware mortgages gets tossed around to and fro for years. My original Loan Provider was XXXX XXXX, Wells Fargo acquired the mortgage since XXXX. THIS IS HOW LONG I'VE BEEN AN OUTSTANDING CLIENT WITH WELLS FARGO. 
So what the ( XXXX XXXX XXXX ) XXXX AM I SUPPOSED TO DO? I am not going to jail because of the ability of tossing Mortgages around. Bad enough I only have a few years left on my mortgage and the PRIMARY reason why Wells Fargo was doing this so they can " cater '' to the minorities, and believe it or not- I am a minority?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, TransUnion, XXXX, XXXX  ) I am exercising my right to opt out of having my information reported pursuant XXXX XXXX XXXX Due to this inaccurate information on my credit report this has caused me XXXX XXXX XXXX and denigration to my character. XXXXXXXX XXXX XXXX have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX,