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

XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and XXXX have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.
Product: Debt collection

Since XXXX, I have made multiple efforts to get XXXX to correct its records on a disputed debt that it has reported to the credit reporting agencies as in collection with Southwest Credit Systems. I have mailed them three ( 3 ) identity theft affidavits as required in their own internal processes. I have been told twice that I did not adequately provide proof of residence, even though I included most recent mortgage statements. I was subsequently told that I needed proof of residence that related back to XXXX when the account was purportedly opened. I have again provided a completed ID theft affidavit, a copy of my drivers license, and multiple mortgage statements, dating to XXXX  and the present. XXXX has taken no action to correct its records or provide me with any proof of the veracity of the disputed debt and continues to report it to the credit bureaus as in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact your company Trans Union and the reporting company with no help. XXXX  and XXXX have removed this information my credit reports but some reason TransUnion Is not responding to fix this matter. This account listed below does not belong to me I've contact XXXX I dont not nor have I ever had an account with this company. also there are Hard Inquiries that I did not authorize please have Trans Union remove them right now. 

Account XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX names XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX w XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by XXXX, XXXX, and Experian, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX ( XXXX ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXX & XXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with XXXX, XXXX, and Experian to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with XXXX, XXXX, and Experian. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

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

These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The XXXX XXXX and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.
Product: Credit card

On XX/XX/year> my dog was involved in an incident and I did not have pet insurance because I had just got my dog only had him a week or XXXX and the ER vet told me the bill was going to be XXXX $ and I didnt know what to do so they told me to apply for the money with care credit and that they approve everyone so I did what they asked and got approved paid them the XXXX with my new care credit account unaware that I had to pay it off before I certain date and if I did not they were going to add an outrageous amount of interest as well as some security fees. so my bill was at about XXXX that I had left to pay off and now with all the interest they added and add every month Im back maxed out even tho I make all the minimum payments every month. I literally get no where with these payments Ive been making almost a year now, and at this point Ive paid them the XXXX plus some and my balance is still stuck at XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I was having my hair styled in XXXX XXXX, California. 
I got a phone call when I got home by Wells Fargo saying there was " suspicious activity '' on the XXXX credit card. They asked me if I was at XXXX XXXX, XXXX, buying pants, XXXX XXXX, etc. I said I only was at the hair stylist and confirmed the amount! The Proper Response Should have been " Don't Worry-you got hacked! Let us handle it. '' Instead ... 1.5 Years Later ... Wells Fargo REFUSES to make good and take responsibility-saying I told them my card was stolen, and THEN saying it wasn't. I have PROOF from the stylist signed by her saying I was with her from before noon to early evening-making it IMPOSSIBLE for me to be anywhere else!!! This is CROOKED THIEVING Wells Fargo-who got BUSTED by the US Senate for $ $ {$3.00} BILLION for opening up PHONY accounts of their customers! I reported them to the XXXX  and it is on record! Even EVERY Late Night TV host has SLAMMED Wells Fargo for being " The XXXX '', etc. This has caused me LOADS of stress and time and THIEVING BULLIES must NOT be allowed to operate in our free country like this!!!
Product: Credit reporting or other personal consumer reports

Certainly! Below is a sample statement that you can provide to the Consumer Financial Protection Bureau ( CFPB ) regarding your identity theft situation. Be sure to customize it with your specific details and any additional context you feel is relevant. 

-- - 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 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Claim Dear Consumer Financial Protection Bureau, I am writing to formally report a case of identity theft that has significantly impacted my financial standing. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have taken steps to address the fraudulent activity that has occurred in my name, but I need assistance from the CFPB to facilitate the resolution of this matter. 

Recently, I discovered that a neighbor has been receiving my mail, which included sensitive financial information. This situation became apparent when a babysitter inadvertently retrieved my mail and found that the tenants next door were opening fraudulent accounts in my name without my knowledge or consent. These actions have led to multiple unauthorized accounts being reported on my credit file. 



Enclosed with this letter are copies of relevant documents, including my police report, FTC identity theft report, and correspondence with the credit reporting agencies and financial institutions. 
sincerely appreciate your attention to this important matter and look forward to your guidance on how to proceed further. Thank you for your assistance. 

Listed below are the account in which are a result of identity theft INACCURATE AND FRAUDULENTINFORMATATION AND ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open accounts XXXX XXXXXXXX XX/XX/XXXX {$670.00} Closed accounts XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXXXXXX I was notified XXXX  XXXX, XXXX {$440.00} XXXX XXXX XXXXXX/XX/XXXX Closed. {$1900.00} written off. 
Collection accounts XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1900.00} Inquiries XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXXXXXX 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 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). 
This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.
Product: Debt collection

I never received any calls, emails, or mail regarding this debt before it was reported to my credit. When collector finally mailed me information of the amount, to the correct mailing address, after I filed a complaint. They sent me a completely different lease with another person information on it that is not me. I still have the envelope and can show proof of this incorrect information.
Product: Mortgage

My mortgage was recently sold from XXXX XXXX to Mr. Cooper. For 14 years my mortgage has been paid bi-weekly using auto pay with not one late payment. I tried to set this same arrangement up with Mr. Cooper and was told via chat that I can not do that unless I pay one month in advance - essentially doubling my mortgage payment for one month for the privilege of paying bi-weekly. I have been trying to reach a human being on the phone for over an hour and can not. Their auto attendant is basically a loop preventing access to a live representative. Essentially, my mortgage is already paid MONTHS in advance because I have been doing it this way all along. They should have to keep the payment terms when purchasing the mortgage.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Chime stating that my credit builder account is on hold due to unsual activity regarding funds that were deposited in my account. 
Even after I explained to them I was a nurse and receive daily pay and provided proof my account was still on hold. 
It has been a year that I have been back and forth with Chime by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX with no resolution. 
I have been trying to recover my funds in this account for over a year. Even after I provided the documentation they requested they still have not upheld my account. I would like to recover my funds XXXX and completely close the account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit card payments never late XXXX XXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXX FCRA Violation hard inquiry not mine XXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX : Bankruptcy XXXX  XXXX : Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Received notice that a hard credit inquiry was attempted on my credit by XXXX XXXX. I reached out based on the information given to me, From XXXX XXXX Type Miscellaneous Contact XXXX XXXX XXXX XXXX, TX XXXX United States XXXX No one answers the phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements.

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX/ BENEFICIARY
Product: Credit reporting or other personal consumer reports

Main point is to block two fraudulent loans from XXXX XXXX XXXX. Thank you.
Product: Mortgage

I purchased a home in XX/XX/XXXX and recently requested some assistance so I could keep the property and not allow it to go to foreclosure. 
The original value was $ XXXX and the current value is $ XXXX. 
I have made all of my payments on time and requested asmall reduction in my interest rate to continue to rent theproperty and not take a beating on the delta between therent and the mortgage and association fees. Themodification was denied because the loan was refied in XX/XX/XXXXand they stated my situation was not a permanent impair-ment so they refused to assist.
Product: Prepaid card

I tried several times to access my Money Network card account online. I called only to discover that my card had been compromised. Someone had changed the email/phone on my account and was spending the money. I was given a partial accounting and only discovered that when I was given the new card, with a much smaller balance than expected. I had already filed a dispute for the transactions I was told about. They neglected to give a full accounting and now say they can not access my account and that I don't even show up in their system. I am currently missing {$600.00} This is an incompetent and non-secure system. They should not have the government account. I previously had a card from XXXX and never worried about the card constantly being hacked. 
Regarding the dispute, they said that the transactions had digital validation and that I could see the documentation used to make this determination. They claim now that I have no account and there is no information for them to share. They have given me a number that goes back to a general EDD number that has nothing to do with the credit card. They claim to have no record of an account. Even claiming that they have no information for the new card, even though this is the same number I used to begin the dispute over 2 months ago.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer As well as Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.