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

Wednesday, XX/XX/XXXX, I was informed of an incorrect item reported on my credit. XXXX XXXX XXXX XXXX, Acc # XXXX opened XX/XX/XXXX, reported XX/XX/XXXX. Amount {$28000.00}. XXXX XXXX CLOSED. In XXXX my wife passed ( XX/XX/XXXX ) I had a rental that tenants had damaged, I was told by insurance I did not have a claim, I was to sue civil. The tenants had nothing to attach. I couldnt do that. I stopped paying on the house, begging the ban to take the house back ( we had a deal, they loaned me the money for the house & if I didnt pay they would take the house back. One year after not paying on the house it was sold at auction for $ XXXX.For the TAX year XXXX I was sent a XXXX c/w this. ( Attached ). I called the sender, they said this ended it. I paid taxes on over {$35000.00} for that tax year. NOW that I can not amend that tax return this " XXXX '' company found out about a public record, and is reporting it on my credit after 6 years just to try to make a quick buck. It was settled in XXXX. I disputed it, but Experian said the proved it was a goood debt. It isn't. I talked to a banker about possibly buying a new home. He checked my credit and found this. Only one agency reports this. My credit report is EXCELLENT! everywhere else. Please help me,, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Product: Credit reporting or other personal consumer reports

The following credit inquiries listed on my credit report are items where XXXX, TransUnion and XXXX shared or used my personal information from my credit report with others without my authorization or consent and without communicating with me to request my consent and beyond my knowledge. These inquiries are unauthorized. I request them to be removed from my credit reports with XXXX, TransUnion and XXXX. The items are listed below : 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 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 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 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 TRANSUNION 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 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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax, and XXXX are reporting fraudulent information on my credit report. Please know that I have sent FTC documents and identification documents and they are refusing to assist me in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Checking or savings account

I reported to chase I was manipulated/mislead/targeted/threatened/scammed into sending money under falsified and exaggerated made up stories and lies by a woman who claimed to be a philanthropist and Artist. She would threaten to kill herself when Id try to stop sending money. She also said she knew gang members in XXXX XXXX I was scared she might have me killed if I came forward. I sent thousands of dollars. I reported this to chases fraud department but all I was told. They wouldnt be able to help me because I XXXX  and XXXX THE MONEY TO her myself. I asked if my money was FDIC insured the rep said yes and said my situation did not qualify. The first XXXX date started XX/XX/XXXX XXXX XXXX, XXXX on XXXX and continues through my XXXX account on chase. The amount exceeds over XXXX dollars of fraud by this individual.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit report that should not be on there. XXXX credit bureau is showing XXXX inquiries and another one is showing XXXX. I need the inquiries removed from my credit report due to some type of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries need to be deleted under federal law. Attached will be an FTC 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 . EQUIFAX : 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  YOU ARE IN VIOLATION OF 15 USC 1681b DELETE REMOVE
Product: Mortgage

I lost my job in XX/XX/XXXX and US Bank agreed to accept reduced payment until they shut off access to my on-line account for me to make payments and the bank refused to accept payments because they were starting foreclosure proceedsing in XXXX/XX/XX/XXXX. 
On XX/XX/XXXX, I paid US Bank {$2200.00} via cashier check to bring my account current and stop foreclosure proceedings and was told my monthly payments would be reduced to an amount that I could afford. 
US Bank lost my cashier check and found it in XX/XX/XXXX. Despite the agreement that they made that the the {$2200.00} would bring my account current, they are now requiring that I pay {$1.00}, XXXX as part of a repayment plan, plus {$1000.00} for a monthly payment, for a total of {$2200.00} by XX/XX/XXXX. If I don't pay the {$2200.00} by XX/XX/XXXX, they will start foreclosure proceedings again. 
Additionally, I am required to pay {$410.00} by XX/XX/XXXX as part of a repayment plan. 
I have been in conversation and correspondence with US Bank regarding this matter and they have refused to honor their committment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 - TransUnion - XXXX XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021- XXXX - XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 - TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - TransUnion XXXX XXXX XXXXXX/XX/2021 - XXXX XXXX XXXXXXXX XX/XX/2021 - XXXX, XXXX, TransUnion - XXXX XXXX XXXXXX/XX/2021 - XXXX and TransUnion - XXXX XX/XX/2021- XXXX - XXXX XXXX on report twice )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report.

Ensuring the accuracy of my personal information is critical to maintaining the integrity of my credit profile. I kindly ask for your prompt attention to this matter and expect the resolution to be completed within the statutory timeframe outlined by the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Debt collection

Unaware of debt, never contacted, never validated or verified, account written off and sold and I do not have a contract with collection agency.
Product: Credit card or prepaid card

My account was accessed by someone that used my personal information to gain access to my NetSpend account and used a card that they sent to that person ... that person spent all of my money in different states ... I noticed that this occurred on XX/XX/22 and cancelled the card and reported fraud..the dispute department denied my claim because they said my device id was used to do transactions ... I sent NetSpend my identification card to show that I never authorized or made any of the transactions... I need help..I am out of over XXXX I need help getting my funds back.. I sent the letter from NetSpend and transaction history ... I live in XXXX NC and the transaction history shows different states that transaction happened...
Product: Mortgage

From XX/XX/XXXX to XX/XX/XXXX the mortgage company is showing my payments as 90+ past due on my credit report with XXXX, XXXX, XXXX. I have not been 90+ past due and have made all of my payments on time for the time period of XX/XX/XXXX to XX/XX/XXXX. 

We are in the process of buying a home and these late payments they are showing is preventing us from being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my consumer report are unauthorized and are not from me. I also wrote XXXX an identity theft report. XXXX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.
Product: Credit reporting or other personal consumer reports

I have provided Apple Card / GS Bank USA documentation as supporting documents for proof of identity but the company instead of closing the fraudulent account, they used the supporting documentation I provided to update their information with the credit bureaus and match my information to the fraudulent identity theft account they have in place. 
I demand an immediate close of this account and to send me document letter prove that the account have been closed and stop reporting on my credit report and take it down off my credit report.
Product: Mortgage

I am a XXXX time home buyer in XXXX Maine who applied for an FHA loan through XXXX of the nations largest online home mortgage lenders. 
The Sellers and I desired to complete a private sale because that suits our preferences. 
The Sellers and I drafted a purchase agreement together and I submitted the draft to my attorney for review and corrections. My attorney placed in the Purchase Agreement contract language that would protect the interests of both the Sellers and I. 
XXXX stipulation that protected the buyer was that if the appraised value of the property and therefore the financed amount is less than the agreed purchase price minus the earnest money down-payment, then I would be released from the requirements of purchase agreement and could demand a refund of the earnest money. 
The home buying process with the lender initially went very quickly and smoothly up until the order for the appraisal was issued. At that point, the process slowed to a standstill because no Appraisers have bid for or accepted the order. 
After the appraisal order was issued two weeks and no appointment was made, I became concerned and obtained the Roster of Appraisers in XXXX XXXX in Maine and called each XXXX. I learned that most of them had made it an unofficial policy not to accept orders from XXXX and some explained their negative experiences in prior dealings. I learned of many abuses that the appraisers endure that I would like to relate to you if you inquire it of me. 
I did n't know what XXXX were so I did some further research learned that XXXX serve as a XXXX parties that prevent conflicts of interests between the lenders and the appraisers. 
The appraisers that I spoke to were pleasant people and professional, they all stated that they had plenty and enough work without the need to reply to orders from XXXX so that they may avoid the difficulties they had previously experienced. 
I had submitted the Purchase Agreement to Quicken Loans on XXXX XXXX 2015. The closing date was initially scheduled for XXXX XXXX 2015. We did not close on this date because no appraisal has been completed. I am told that all other requirements have been met. 
The next closing date is XXXX XXXX, the date that my Purchase Agreement expires. 
No appraiser appointment has been scheduled. I am concerned that I XXXX lose my Earnest Money down-payment if the sellers decide not to sell to me after our purchase agreement contract expires and no appraisal is completed and I ca n't close. 
HELP! I do n't want to lose my money because the lender ca n't get an appraisal scheduled. 
What can my family and I do to get an appraisal and hopefully close on this home by the closing date on the Purchase Agreement Contract?
Product: Credit reporting or other personal consumer reports

The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX Additionally, I am writing to address specific discrepancies on my credit report that align with billing errors as defined under XXXX XXXX Code XXXX ( b ). These errors fall into the following categories : Failure by the creditor to accurately reflect a payment made by me or to properly credit my account on the statement. 
A computational or similar accounting error made by the creditor on the statement. 
I believe that the creditors failed to provide me with a billing statement at least 21 days prior to the payment due date, which would invalidate any claims of late payment under the law. I am requesting concrete evidence from the creditors ' bank records to verify their assertion that I failed to make a payment. Any resulting designation of " late payment '' is likely the result of an invoicing error. 

Therefore, I respectfully request that the entries for the accounts listed above be promptly updated on my consumer report to accurately reflect their status as " paid as agreed. ''
Product: Credit reporting or other personal consumer reports

The following account is hurting my credit rating, credit standing, and credit capacity XXXX XXXX [ Account # XXXX ]. Pursuant to section 623 ( a ) ( 1 ) ( A ) of the FCRA, an agency 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. I submitted a dispute to Experian regarding the account. In that dispute I stated that it was reporting inaccurate or incomplete information to which Experian said that it was " verified ''. However after their investigation the reporting of the account remained the same, inaccurate and incomplete. To date, the account has been reporting a monthly charge status but the account was closed in 2018 and the payment history section doesn't report a closed status when Experian payment history legend has a close status. How can an account report a new charge off status on a monthly basis when it's already closed? This results in the information being inaccurate, incomplete which violate the FCRA and XXXX XXXX ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). I had notified XXXX and this information should be deleted as stated in section 623 ( a ) ( 1 ) ( B ) of the FCRA. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable.
Product: Credit card or prepaid card

We have a Premier checking account and a XXXX credit card account at HSBC US as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the online bank account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the SMS sending the 2FA code to reach us. We escalated this problem over the past but it has not been corrected since. It has to be noted that before Covid-19 this was working well two years ago.
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Sunrise Credit Services for what is purported to be a XXXXXXXX XXXX XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.