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

Good evening, I have disputed and sent this to the attached credit bureau and my account still hasnt been updated. Im requesting your help to have my credit report updated immediately. 

Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Unauthorized Account I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed accounts that I don't recall authorizing. I understand that you shouldn't be allowed to put any inquiry on my file unless I have authorized it. Please have these items removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following accounts are related to none of the aforementioned permissible. 


XXXX XXXX ( XX/XX/XXXX ) Please remove these account above from my credit report immediately. I have enclosed a copy of my identification as proof of my identity. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Debt collection

an unauthorized lease was opened in my name from hunter warfield XXXX XXXX XXXX XXXX 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$2500.00} XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I had a XXXX  the XXXX insurance paid for the procedure. Months later I received a bill for {$1600.00}. I disputed it with document in XXXX of 2023. The {$1600.00} is still showing as uncollected debt.
Product: Mortgage

Mailed full payment for XXXX XXXX. We mailed it XXXX XXXX and they called XXXX XXXX claiming never received it. 
This has happened again for XXXX of XXXX, so we call to ask for assistance and unable to get customer service representative to speak to. I went online to make payment electronicly. I payed XXXX XXXX along with late charges and {$10.00} fee to pay online. I also made XXXX XXXX payment electronicly at same time but had to wait 12 hours for fist transaction to go thru. After patiently making second payment for XXXX and paying another {$10.00} fee it showed payment made as of XX/XX/XXXX. I do have a copy showing proof. Now it 's XXXX XXXX and the money never come out of out account and I depose I will be asked to pay another late fees. Please help me. I feel abused and very frustrated. I have always paid my bills ahead of time and this " Loancare '' lending service is destroying my perfect record. This is not fair, and if I can be part of a lawsuit against them please count me in. I will start a lawsuit if they do n't fix this immediately. Thank You- XXXX XXXX in Wisconsin XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint on XXXX, Experian and XXXX XXXX. I sent XXXX, Experian and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during there investigation. It has been over 45 days and I have not receive a response from XXXX, Experian or XXXX XXXX. I've sent them a 30 day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the 30 day to comply letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by Experian XXXX   or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.
Product: Credit card

I got " Bread Cashback Credit Card '' from " Bread Financial ''/ '' Comenity Bank ''. I got a new iphone and I was trying to add this credit card to " XXXX XXXX '' / '' XXXX XXXX ''. As soon as I added the card, without asking for my permission or any prior warning warning, the card tried to place phone call from my iphone in order to do the verification. At that time, since I had just go the phone, it was conned to the internet through wifi, but I was in process of setting up the cellular network in the phone with my cellnetwork provider. Since there was no cell network in the phone, the phone call that the card tried to place, did not go through. Since the phone call did not go through, " XXXX XXXX '' / " XXXX XXXX '' blocked the card. The card got blocked with no fault of mine. If I would have known that the card will try to place a phone call without my permission, the I would have added the card after setting up the phone network. At this point, I already was able to add to my " XXXX XXXX '' / " XXXX XXXX  '' without any problems in verification, without any cellular network, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So it is natural to assume that I should not have any problem in adding " Bread Cashback Credit Card ''. I understand that different financial institute have different methods of verification, but I was not given any prior warning or I was never asked for permission to place phone call from my phone. Anyway, moving further : in the next few days I got mail from " Bread Financial ''/ '' Comenity Bank '' that I need to provide them with my ID, SSN and Address-proof, which I sent them through the email id that they had provided. But after that they closed my account without my permission, without any warning, without telling me what I did wrong, without giving me a chance to prove my innocence. I did not do anything wrong, I am not farud, I can come and talk to " Bread Financial ''/ '' Comenity Bank '' to prove my identity, I am a real person, I am not fake. I can come to any court hearing if needed be. I can come with my ID, my Social Security Card, my address proof. At the time of this happening, I was in the process of moving to new apartment, and so, for my address proof, I even provided " Bread Financial '' / '' Comenity Bank '' with the proof of the old address and the proof of my new address. I provided them with everything. I am not fraud, I am not fake, I am real person with real identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX XXXX. After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : Payment Status : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX XXXX on time, and I have documentation to support this claim. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. I urge the Credit Bureaus to review the Payment History information associated with this account and verify that the reported late payments are erroneous. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.
Product: Money transfer, virtual currency, or money service

I run a small check cashing operation. I was depositing my regular batch along with my irs complaint owners draw. So a batch of about XXXX checks. Now my account is closed and my batch has vanished. But I was returned XXXX check that apparently made the other XXXX or so disappear. Chase bank. And I had a donation stolen by employees at secu located on XXXX XXXX XXXX. I was Attempting to better my busiystanding and was basically robbed
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY XXXX REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.
Product: Credit reporting or other personal consumer reports

I reached out to TransUnion regarding some errors that I found that are on my credit report. I have reached out multiple times for them to fix them since XX/XX/XXXX. They have sent me corresponding letters since XX/XX/XXXX requesting additional documents. I have sent the required additional documents that were needed. I have been getting corresponding letters each month since XX/XX/XXXX requesting the same additional required documents. Every corresponding letter that was sent to me since XX/XX/XXXX I have responded to each letter with sending the additional required documents. I have attached receipts of when I sent the additional requested documents and I also attached additional documents to support my case In accordance with the Fair Credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with Experian, XXXX, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXXXXXX XXXX XXXX XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX
Product: Debt collection

I have attempted to contact portfolio recovery because they bought my debt, sent this letter in XX/XX/year> notify me that my account was sold to them, but never sent me anything prior to that for me to sign or give them permission. I have tried calling them. I never get an answer and Ive tried disputing it, and nothing is happening. I did not!! give them permission to buy it. I did not sign anything.. They did not send me anything. Their website always crashes and its hard to contact somebody, I asked and complained that they remove this debt from my credit report because they wrongfully sold my debt to a third-party, portfolio recovery services XXXX XXXX It did not notify me at all about it. They shared my information my account numbers, and that is illegal and against FCRA.. I asked that they remove this collection and debt for my credit report and from all bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact Granite State Management to cease and desist all communication but received a text message stating that my payments restart afterXX/XX/XXXX. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Product: Student loan

I received a notification on the MOHELA app in XX/XX/XXXX that if I did not recertify that my payment would go from XXXX to nearly {$800.00} per month. I immediately went to the website to recertify. I was unable to recertify with open application on my profile. I went in to re-certify and the way the questions are sets the application as a new evaluation of payment immediately. I submitted it and called MOHELA that Monday. I was explained the issue that I followed the prompts but the application would not check recertify rather a new application. She said that I did not need to recertify due to changes XXXX implemented. I said can withdrawal the application. She said no but that she would notate my account for when the application is reviewed that they would view as recertification rather new application. I diligently followed up multiples leading into mid XXXX where I then was put into forbearance with interest accrual where the reevaluate because my payment went up to {$260.00} a month. No one would provide me documentation regarding my request nor a timeframe. Every time I spoke to someone they gave me a different response. I finally was told in the very end of XXXX or early XXXX that the prior people I spoke to are not trained as well to answer my questions. The person escalated my concerns and we discovered that they did not properly account for my dependents and family size even though I answered the questions to the app. I was then told to never electronically submit application on and complete manually. I was then provided a supervisor who assured me that this would be handled and that they would reprocess my application as a certification and account for XXXX defendants and my family size of XXXX. They were to provide me a letter stating such. I asked why now can they give letter when multiple other reps refused and said they cant. She said she didnt know and I would have in XXXX business days and the app would be reprocessed in XXXX. 14 days passed I called back and the status of reprocessing was still pending and I never received the letter. They refused to get me to the supervisor I previously spoke to. After explaining this entire situation the finally agreed to message the supervisor to see if she would take my call. The supervisor took my call and said she remembers me and that she will get the letter to me. I have the letter but that she said to check back aft XX/XX/XXXX on the status. XX/XX/XXXX she called said its on hold due to the on going litigation. Here we are still waiting and was told it would be processed after the decision with court is made within 14 days. 

This has been going on for over four months.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Credit company stated that I was late multiple times, but I have no record of ever missing a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX
Product: Mortgage

Our lender did an escrow audit on XX/XX/21 which showed a surplus of over {$3600.00}. I called on XX/XX/21 about the refund check and was told it was still in process. After telling the representative that it legally was meant to be returned to me within 30 days, she spoke to a manager who told her to say it had been mailed out on XX/XX/21. We still have not received a check as of XX/XX/21. This is in line with their same practices from last year as well.
Product: Mortgage

on XX/XX/XXXX I called in to Wells Fargo to let them know that I was going to be a little late ( not 30 days ) due to 16 people that I had in my house effected by the hurricane and the expense that it took to take care of the situation. 

I was then told, " oh.XXXX XXXX  we have a program to help those effected by the hurricane. A 3 month relief that will wave three months payments, late fees, and will not harm your credit.

I said : I do not want to do that if they were not able to defer the payment. 

she said, '' no. no. no. that the program was set up so we did not have to worry about the payment, so we can concentrate on getting passed the hurricane situation. the program was not in full but that there would be options at the end of the program that we would be able to go over. 

I said again that I did not want to do it if they were not able to defer the payment. 

she said that was one of the options but that the investors had to review my situation to make sure that I qualified for that. 

During the time of doing this program I have been constantly harassed about collecting a debt? that in the middle of the program the investors took away the deferment and instead were doing a modification. constant times I told them that was not said at the beginning and if I knew this was the situation I would of just took the XXXX fee and told my family I couldn't help. I have since gone threw three different case managers, all that do not know what is going on but specialize in deflecting the situation at hand.

I have had my credit hit 80 points twice effecting me getting into a vehicle. Have letters put on my door and mailed to me about foreclose and collecting the debt. I then get the statement from wells Fargo that I elected for the program but have to remind them that I didn't call and ask for assistance, initially turned down the program and was pitched a second time. I have told them that what was told to me from the beginning and that if I knew it was not a possibility then I would not of taken them up on the offer. I have told them that all conversations are recorded and for them to go back and listen. I feel that Wells Fargo is taking advantage of a situation for profit purposes. This is not right. I have never missed a payment, no bad remarks on my credit for it and here and being forced to do something almost since I do not have the money to get the three payments to them. 

They then call me and say that I was approved for a modification? I was alike approved I never applied. They then began to tell me that the interest rate was being rasied and they were going to stretch my loan back out to 360 months but the payment was only going to decrease XXXX dollars. so much doesn't add up and with getting three different reps nothing is the same when they call.