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

Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of the information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. 

After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a {$300000.00} difference on my actually balance. 

I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed my current actual balance but offered no help to fix my credit. I was told the reporting is automated and there is nothing anyone can do. 

2. The representative could not find my mortgage account after I provided my account number, social security number, property address and phone number. 

I need to refinance before the rates go up and Wells Fargo has done nothing to help me with the erroneous reporting in my credit report.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/year> REPORT XXXX XXXX19-5025-03.THE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I noticed XXXX inquires ; XXXX from XXXX XXXX XXXX and XXXX XXXX dated XX/XX/year>24. I do not recognize these inquires and have reached out to Equifax who will not assist with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with equifax by mail several times about the 12 inquiries on my report i also disputed on equifax website. i called and spoke with the fraud department also these are not my inquiries and i want them removed. Also there is a XXXX XXXX XXXX on my equifax report that is inaccurate along with another one called XXXX XXXX XXXX both are inaccurate there not even on the other credit bureaus due to inaccurate reporting i want them removed open and close dates are wrong, amonuts are wrong i want this removed! i have also filed a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

Late Payments Being Reported : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The above mentioned account is being reported as severely derogatory on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.
Product: Credit reporting or other personal consumer reports

I have been trying to close on a new home since XX/XX/year>, but I have been faced with significant inconveniences. My sense of being an American is diminishing, and I feel excluded from achieving the American Dream. A problem with my credit was corrected, and as a result, the three credit bureaus made changes to my score that actually lowered it, affecting my current interest rate on the home purchase and making it unaffordable. 

This situation is ridiculous, and I am exhausted by this scoring system, which seems to discriminate against XXXX and XXXX individuals who may not have the same financial means as white individuals. I work hard, like most Americans, and I pay my taxes, yet I can't obtain fair treatment regarding my credit. This unfairness limits my ability to make significant purchases that could help generate wealth for my family. 

I am tired of struggling with this issue. It needs to be fixed, changed, or modified to more accurately reflect the efforts of Americans who work hard and pay their bills on time. As of today, I can not close on my Loan and subject to losing my home.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card XXXX by the XXXX XXXX or XXXX : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXX Credit Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX XXXX '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXX Credit Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXXXXXX account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Transunion to reinvestigate these accounts : on XX/XX/XXXXXXXX XXXX XXXX XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXXXXXX XXXX XXXX ( never applied, already had an account with them ) ; on XXXX XXXX XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXXXXXX XXXX XXXX XXXX ( never applied, already had an account with them ). However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report. Your company is in violation of the law. Under 15 USC Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer who it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

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

On XX/XX/2019 hard inquiries were made without my authorization by CREDCO, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to you regarding crazy situation that happened with me. I found accounts that do not belong to me. I mean they are not mine. I am identity theft victim and I am very stressed out because of this situation. These unknown items just killed my report. Please do something and delete them
Product: Payday loan, title loan, personal loan, or advance loan

Late XX/XX/2023 Old National Bank sent a Loan Payment Notice for my final payment of {$590.00} due XXXX XXXX, 2023, which was paid on time with my check for full payment posting to my account as paid on XX/XX/2023. 

Thereafter, Old National Bank sent a series of collection letters claiming my account was past due and that I must pay {$540.00} or face collection with associated attorney 's fees, court costs and other charges, all as detailed in the timeline uploaded with this complaint with supporting documentation. 

On XX/XX/2023 I sent Old National Bank a written Debt Dispute/Debt Validation Request pursuant to the Fair Debt Collections Practices Act ( FDCPA ), requesting backup. Old National Bank failed to respond to the request for backup but continued to threaten collection. 

Ultimately, in a telephone call on XX/XX/2023 Old National Bank confirmed it seeking XXXX and XXXXXXXX  DOLLARS ( {$16.00} ) was due, which was paid immediately via ACH payment. Nonetheless, Old National Bank reported my final payment more than sixty ( 60 ) days delinquent, damaging my credit. Old National Bank has refused to correct the misinformation with credit reporting agencies in violation of the Fare Credit Reporting Act.
Product: Credit card or prepaid card

An account was placed under my name erroneously. Since then, DISCOVER BANK has damaged my name, and my credit. DISCOVER BANK has entered derogatory information into my credit file. I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent.
Product: Credit reporting or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA.

I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

XXXX : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 
XXXX. **Place a fraud alert : ** Place a fraud alert on my credit report to notify potential creditors of the data breach. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Person called and identified herself as XXXX from XXXX XXXX. Ordered that I provide SSN. I told her I would not verify personal information without knowing the nature of the call, the name of the company, the reason. " XXXX '' said I had no problem spreading my personal information all over the internet, said I was being sued, and used profanity before hanging up. I attempted to call back XXXX times and she hung up on me. She then proceeded to call my daughter on her cell phone number and told her I was being sued and needed to call, she called my son making the same claim, and then called my sister-in-law. My sister-in-law said that " XXXX '' left a message saying I was filing a law suit against someone and she was trying to get in touch with me. I do not know how this person got any of these phone numbers other than they are all on the same phone plan. I have no idea what she is talking about but I do know her actions are in violation of the FDCPA. I was attempting to call her back to get more information and she refused and said that I did not work for her and that I needed to pay my bills. XXXX XXXX is using abusive, threatening tactics to frighten people into paying debit they may or may not owe. The number from which she called appeared to be local, which also means that the company is " spoofing '' phone numbers. The number used in this case was XXXX.
Product: Checking or savings account

Navy Federal contacted on XX/XX/XXXX in regard to a Debit card fraud claim. On XX/XX/XXXX, less than a week later, the claim was determined that no errors had occurred/ denied. 

On XX/XX/XXXX, I promptly requested to appeal that decision as in my opinion my the proper amount of attention had not been given to the claim.

To date, I have reached out to Navy Federal on two occasions since the appeal, only to receive formal notification that my claim will be handled in the the order in which it was received. I have not been able to receive any specific around the case- notes attached to the file or nir a reasonable timeframe I can expect a determination. 

I am requesting : - a copy of all evidence used to deny the claim initially - a detailed determination of the appeal - concessions for the inconvenience that has been caused by breach of contract in the credit unions inability to properly secure my funds, financial hardship incurred as a result of that breach and all cost recompensed with interest.
Product: Credit reporting or other personal consumer reports

Two accounts ( x1 and mission lane ) are reporting late 3 late payments each. That information is incorrect/ inaccurate. All payments were made on time.

Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

I have sent them multiple notifications to remove said inaccuracies and verify said account. The account has not been removed from the report. 

These inaccuracies are stopping me from getting loans for houses and cars furthermore. 15 USC 1681 section 6028 states that I have the right to privacy.

15 USC 1681 604 section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. I have not given anyone written instructions to furnish anything on my consumer report any my right to privacy is being interfered with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my understanding they have to type account information on one account an don't belong to me finger hut receive muitplal Payment before saling my personal information to XXXX founding company to uptain the same payment basically both companies fraudulent activity happened with my personal information everything should be removed even close account showing open to collect more money an this account is. Close account being paid already
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Mortgage

I received someone else disclosure letters attached to mine and I think someone else has my information also.The documents has a lot of identifying information about me and my wife. I work for the federal government and have a top secret clearance I am worried that information that was compromised going put identification in jeopardy.