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

I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF AMERICAN HONDA FINANCE I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY HONDA FINANCES FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO HONDA FINANCE, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

There is an item on my credit report that resulted from fraud and from which I never benefited. I reported this issue to the Federal Trade Commission, yet the fraudulent item remains on my report.
Product: Money transfer, virtual currency, or money service

I was scammed by a consumer and contacted Cash App customer service number provided. The agent spoke with me then transferred me to another scammer discussed as Cash app management. This is totally unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also address and my name is wrong!
Product: Credit card

My credit report has discrepancies that do not allow me to open up a line of credit. XXXX XXXX and XXXX do not all display the right information.
Product: Mortgage

Navy Federal Credit Union provides a grace period to pay your mortgage payment that is due on the 1st of each month. The grace period before being charged a late fee is the 15th. They keep calling after a day of being late and say that it is just a courtesy call. It is harassment because they continuously call even after being told I am going to pay them before the 15th.
Product: Prepaid card

Front of sheet accompanying prepaid card indicates " valid thru : XX/XX/XXXX ''. I was n't able to activate the card using my zip code as requested and was finally able to get through to a live agent. Upon activation, agent informed me that the balance remaining on the card was {$13.00} ( instead of {$16.00} ). He had to explain that there was a schedule of fees located on the back bottom of the sheet, essentially fine-print that is not user friendly and seems very shady to me as a customer, since I did not request this prepaid card and it was issued to me by XXXX through Citi.
Product: Checking or savings account

I filed a written dispute and online dispute for unauthorized transactions on my checking account. I have notified XXXX at Citizens Bank that I am hearing impaired after being told I need to call to verify my identity. This message was received via secure banking email. I asked several times to verity me via the secure email as I am hearing impaired and can not call. I have received no response and I believe this is a tactic to delay the filing of my dispute even thought I started my dispute online signed into my banking account. I have not choice but to enter this complaint based on the aforesaid information. Here is a copy/paste of my written dispute : XX/XX/year> Citizens Bank Fraud Department **Subject : Formal Dispute of Unauthorized Transactions Debit Card Ending in XXXX ( XXXX XXXX XXXX XXXX ) The system would not allow me to dispute all the transactions online. Please see the list below that needs to be disputed. 

This letter serves as a formal notification and dispute regarding several unauthorized transactions that have occurred on my checking account, account number \ [ Your Account Number ], accessed using my debit card ending in XXXX. 

On XX/XX/year>, I received a suspicious text message purportedly from Citizens Bank inquiring about a transaction at XXXX. This prompted me to review my recent account activity, at which point I discovered a series of unauthorized transactions. I did not authorize the following transactions, which I believe to be fraudulent. For clarity, I wish to confirm that the only transaction I authorized using the aforementioned debit card during this period was a purchase of gas at XXXX on XX/XX/year>, for {$15.00}. Any other transaction is unauthorized. 

* XX/XX/year>, \ {$52.00} - XXXX # XXXX XXXX Fl * XX/XX/year>, \ {$53.00} - XXXX XXXX XXXX XXXX * XX/XX/year>, \ {$10.00} - XXXX XXXX XXXX Fl * XX/XX/year>, \ {$20.00} - XXXX XXXX XXXX Fl * XX/XX/year>, \ {$13.00} - XXXX XXXX # XXXX XXXX Fl * XX/XX/year>, \ {$70.00} - Sq XXXX XXXX XXXX Fl * XX/XX/year>, \ {$10.00} - XXXX XXXX XXXX Fl  * XX/XX/year>, \ {$11.00} - XXXX XXXX  XXXX XXXX XXXX * XX/XX/year>, \ {$47.00} - XXXX XXXX XXXXXXXX XXXX XXXX Fl * XX/XX/year>, \ {$65.00} - Sq *St. XXXX XXXX Fl XXXX XX/XX/year>, \ {$6.00} - Sq *St. XXXX XXXX Fl * XX/XX/year>, \ {$5.00} - Sq *St. XXXX XXXX Fl * XX/XX/year> XXXX \ {$21.00} - Sq *St. XXXX XXXX Fl * XX/XX/year> XXXX XXXX {$43.00} - XXXX XXXX XXXX XXXX Fl * XX/XX/year>, \ {$66.00} - XXXX XXXX XXXX XXXX Fl * XX/XX/year>, \ {$37.00} - XXXX XXXX XXXX Fl * XX/XX/year> XXXX XXXX {$10.00} - XXXX XXXX XXXX XXXX * XX/XX/year>, \ {$37.00} - XXXX # XXXX XXXX Fl * XX/XX/year>, \ {$35.00} - XXXX XXXX XXXX Fl I expect a prompt response and resolution to this matter. I look forward to your confirmation that these fraudulent charges will be reversed and that steps have been taken to secure my account against future unauthorized access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I got a car insurance quote from USAA last month but that was the total extend of my interaction with them. The quote was more than twice my current premiums so I did not complete the application ( even after my ignored mail/email/phone contact from them ) Today I received a Visa charge card with a {$8.00} balance and {$24000.00} credit limit that I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  i 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING COMPANIES WERE REACHED OUT TO ASKING FOR VALIDATION OF ACCOUNTS AND I HAVE NOT RECEIVEDANY RESPONSE : XXXX, XXXX, AND XXXX. THEY ARE REPORTING THESE ACCOUNTS ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF ANY OF THESE AND AM A VICTIM OF IDENTITY THEFT. 

XXXX XXXX {$14000.00} XXXX XXXX {$1800.00} LVNV FUNDING {$1000.00}, {$1200.00} XXXX XXXX {$1800.00} XXXX XXXX {$7400.00} XXXX XXXX {$13000.00}
Product: Credit reporting

I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get this account removed and their saying its accurate but its not I sent them proof of the inaccurates with the account
Product: Credit reporting or other personal consumer reports

To whom it may concern.

I am writing to update/correct my personal information on file with your company. 

Please update my address ( ( ( XXXX XXXX XXXX XXXX ga XXXX ) ) ) Please update my name ( ( XXXX XXXX XXXX ) ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Since I am XXXX years old and I don't know how long am I still going to be able to drive from my home in XXXX all the way to work in city of XXXX XXXX, earlier this year I started the process of refinancing my home so I could lower my monthly payment and current interest rate. At that time I found out that this collection company, Designed Receivable Solutions , Inc. filled and reported a medical collection on my credit report and damaged my credit. Since I never received any medical bills and I do have medical coverage through my employer I requested my lender to provide me with this company contact information as I thought that I was a mistake since every creditor should try to make a reasonable attempt to provide with a bill before damaging people 's credit and send them to collection. After reaching out to them and going through the insane amount of phone calls and threats received from their " customer service '' without any proof or copies of the bill from original creditor or any proof from their company that original creditor whoever that might be hired them to collect the ridiculous amount of {$140.00} I have decided that my heath condition does not allow me to go any further with disputing and arguing with this company and decided to pay the {$140.00} reported on my credit with the condition that this collection account WILL BE DELETED/REMOVED from my credit report. Since every time I called I received the message " ALL CALLS ARE BEING RECORDED '' I agreed to pay the fee of {$140.00} after customer service lady named XXXX or at least this is the name she provided to me STATED CLEARLY THAT MY COLLECTION ACCOUNT WITH THEIR COMPANY WILL GET REMOVED ONCE I PAY THE {$140.00}. The {$140.00} was paid on XX/XX/2020 and as of today XX/XX/2020 my account was only reported as PAID but still on my credit report. On XX/XX/XXXX I called again and requested to speak to a supervisor which I informed that my next step would be to file a formal complaint with CFPB since Designed Receivable Solutions, Inc. did not remove my collection account after they agreed to have the account removed and after receiving a payment for a debt that I was not even provided with proof that actually belonged to me. I have to say that the words CFPB and formal complaint made the supervisor extremely angry and it continued into a not so amicable conversation but she agreed that the account will get removed. Since I've been going through such a bad ordeal with their company I requested to receive a copy of the letter which will be sent to credit bureaus, I even offered to drive from XXXX and pick it up at their office but she declined. I was supposed to wait again for the letter to be received in the mail which a week later I never received. This company damaged my credit, provided false information and treated me with such disrespect for {$140.00} bill which I never received either from them or original creditor. I am turning now to you, CFPB as the only authority who can help me and stop this predatory collection agency to continue damaging my credit and ruin my only change to lower my home payment so I could keep the roof under my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, SYNCB/TJX CO DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Formal Complaint Against Equifax for FCRA Violations and Failure to Address Dispute Regarding XXXX XXXX XXXX, XXXX. Account Ending in XXXX Dear Sir/Madam, I am writing to file a formal complaint against Equifax for XXXX violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my XXXX XXXX XXXX XXXX  XXXX. account ( account ending in XXXX ). This erroneous reporting has negatively affected my ability to secure a mortgage, and Equifax has failed to resolve the matter despite multiple disputes filed by me Violations of the FCRA by Equifax : Failure to Conduct a Reasonable Investigation ( 611 ) : Equifax has not conducted an adequate investigation into my disputes.

Failure to Correct or Delete Inaccurate Information ( 611 ( a ) ( 5 ) ) : The inaccurate information on the Capital One account remains on my credit report despite evidence provided.

Failure to Provide Dispute Results ( 611 ( a ) ( 6 ) ) : Equifax has not communicated the results of their investigation within the required 30-day timeframe.

Unreasonable Documentation Requests ( 611 ( a ) ( 1 ) ) : Equifax has repeatedly requested identification documents unnecessarily, delaying the resolution process. 
Requested Resolution : Conduct a proper and thorough investigation into the disputed XXXX XXXX XXXX, XXXX. account ending in XXXX. 
Remove this inaccurate account frommy credit report immediately. 
Provide me with written confirmation of the resolution and an updated credit report. 
Impact on Me : Equifax 's failure to address this dispute has delayed my ability to secure a mortgage, caused financial harm, and resulted in significant emotional distress. 
I respectfully request your agencys intervention to enforce compliance with the FCRA and hold Equifax accountable for these ongoing violations. Please feel free to contact me at XXXX for any additional information or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, CFPB IVE HAD ENOUGH IM CONTACTING MY ATTORNEY, ATTONEY GENERALS OFFICE AND GON NA LITIGATION WITH THE COURTS.
Product: Credit reporting or other personal consumer reports

XXXX please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward XXXX XXXXXXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by XXXX XXXX XXXX  mortgage scam artist fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX and he used on over 30 loans fake titles with two fake XXXX degrees 1XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX doctor in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash two XXXX  escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on title. XXXX department of Treasury XXXX. To confirm my ownership please review XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was open in XXXX. Ive been paid that account off they put somebody elses account on my credit. They refresh something on XXXX XXXX. This is not my account. I have no knowledge of this a XXXX XXXX ending in XXXX reported on XX/XX/XXXX XXXX XXXX  that collection is not mines I had a old XXXX XXXX credit card with XXXX XXXX  and that was charged off. This collection is not mine. I have no location to this account whatsoever. 
Ending in XXXX I have my FTC report as well
Product: Debt collection

RSI Enterprises , Inc is attempting to collect a medical debt ( {$59.00} - XXXX 2011 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is RSI Enterprises , Inc fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Product: Debt collection

i was viewing my credit report for the first time during the month of XXXX. I saw that the collection company Credence Resource Manage was reported as debt from them for the amount of {$730.00}. Then i proceeded disputed the debt on the account. After XXXX  did an investigation on the the said debt the result was '' Account information disputed by consumer, meets FCRA requirements '' for which i don't know what that means because i have not received any previous notice concerning this debt nor have i been contact at all.
Product: Mortgage

Wells Fargo has been a terrible company to work with as evidenced by the recent CFPB rulings and penalties assessed. I feel like my problem with Wells Fargo has not been recognized and I am sure mine is not the only situation. 

HISTORY : After 14 separate attempts between XXXX of XXXX and XXXX of XXXX to modify my {$630000.00} mortgage loan ( loan originated in XXXX ) with Wells Fargo at a rate of 6.875 % on my home valued between {$450000.00} to {$500000.00} -- - {$130000.00} to {$180000.00} LESS THAN MY MORTGAGE -- - Wells Fargo, and the investor XXXX, brought foreclosure proceedings against me in XX/XX/XXXX. 

CURRENT DAY : Most recently in XXXX of XXXX, Wells Fargo sent me a {$200.00} check. I called Wells Fargo to inquire the purpose of the check and I was told that the check was to pay me for " errors in the calculations when modifying your loan. '' I asked for documentation SINCE MY LOAN WAS NEVER MODIFIED and I have received nothing as of today. 

MY LOAN WAS NEVER MODIFIED AND MY LOAN ENDED IN FORECLOSURE PROCEEDINGS STARTING IN XXXX.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$74.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$110.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$30.00} Original balance {$1500.00} Highest balance {$950.00} Never used a penny, still shows i owe {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted Trans Union on several different occaisions requesting the removal of hard inquiries. 

I NEVER have my implied, verbal or written authorization to the following companies to use my credit data : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting that they be removed from my report. They should NOT be there. Anything and everything suppresses credit scores and I need to make sure this is removed.
Product: Payday loan

THE COMPANY NAME IS MONEY KEY AND THEY KEEP CALLING MY PLACE OF WORK AT XXXX AFTER I HAVE REPEATEDLY TOLD MONEY KEY REPRESENTATIVES I CAN NOT TAKE PERSONAL CALLS AT MY WORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've seen erroneous information in my credit report before, and this is only the latest instance. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) require the XXXXcredit bureaus to verify these items. Without validating them within the legally required time frame, it is unacceptable to report these items as unconfirmed information. Investigate, make changes to, or entirely remove the following erroneous information from 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