23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  ACCT ENDING IN XXXX LATE PAYMENTS REPORTED ON XXXX AND XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX REPORTED XXXX XXXX, XXXX AND XX/XX/XXXX, XXXX LATE PAYMENTS REPORTED FOR XXXX AND XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX FOR XX/XX/XXXX AND XXXX AND XXXX OF XXXX AND XXXX, XXXX AND XXXX OF XXXXXXXX XXXX XXXX XXXXXXXX XXXX REPORTED LATE FOR XXXX, XXXX AND XXXX OF XXXX. However, they stated everything was complete and accurate. But 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 supposed to modify accounts that aren't reporting correctly. 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. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Inquiries : 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, credit repair services, or other personal consumer reports

I had an auto loan through XXXX XXXXXXXX XXXX XXXX. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay XXXX XXXX  XXXX loan off. XXXX XXXX XXXX loan was supposed to remove entire tradeline of credit from all XXXX credit bureaus within 21 days of receiving payment from dealership. It also states that XXXX XXXX XXXX XXXX can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t XXXXXXXX XXXX XXXX XXXX reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all XXXX credit bureaus, but they all reach out to XXXX XXXX for verification and XXXX XXXXXXXX XXXX XXXX tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted XXXXXXXX XXXX XXXXXXXX XXXX about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7
Product: Checking or savings account

Dear [ CFPB Representative ], I am writing to file a complaint against Wells Fargo regarding an issue that occurred approximately one year ago. I attempted to open a business account with Wells Fargo and was denied, however, a remark appeared on my credit report indicating that an account was opened using my social security number without my consent.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX* Balance Owed XXXX {$1800.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Re : Complaint XXXX you sent me an email saying the company had responded and are still working on it. i can not see the company response as it is not posted where i signed in. what are they investigating, three ( 3 ) unauthorized billings. I want the account closed immediately!
Product: Credit reporting or other personal consumer reports

Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 1. XXXX XXXX Account # XXXX 2.XXXX XXXXXXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( Transunion-01/27/2021, XXXX  - XX/XX/2021, and XXXX  - XX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.
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. 


Account Name XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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: Payday loan, title loan, or personal loan

I paid off my personal loan to XXXX - the remainder of the loan was for approximately {$15000.00} out of a total 5 year loan of {$50000.00}. 
I sent my payment by the mail with the print out of pay off amount from the XXXX website. 
Three weeks later I started to received daily debt collection calls. I called XXXX many times, gave them the check number that I sent to them. 
They finally located it and applied it to my loan and promised on the phone that the delay in finding the check would not affect the final pay off amount. 
Two months later, daily calls from debt collection started again, for an amount of {$72.00} that I now supposedly owed. 
While I shared the tenor of my conversations with XXXX and the fact that I was made to pay for interest that was the result of their delay in processing my check - the calls have continued XXXX times a day.
Product: Credit card or prepaid card

On XXXX XXXX XXXXXXXX XXXX  placed a hold on my Wells Fargo Credit card for {$280.00}. On XXXX the above mentioned credit card was charged {$84.00}, but the {$200.00} hold that was placed was never credited back to the credit card. 
I checked the account balance on the credit card daily. On XXXX I called XXXXXXXX XXXX XXXX to inquire about the missing {$200.00} credit. XXXX told me they had sent notice on XXXX to Wells Fargo to charge the credit card {$84.00} and to release the {$200.00} deposit. 
I then called Wells Fargo to inquire about the release of the {$200.00}. They told me that since no money transferred ( the {$280.00} hold ) that there would be no entry on my statement. However the balance didn't show any credit what-so-ever. So, I in turn am out {$200.00} because the hold was not entered and I am being charge interest on money I do not have. 
This is just plain wrong. If a hold was placed on my credit card that should be reflected in my credit card statement as I could not access those funds. 
I would appreciate your help with my problem. Should you need any more information please let me know. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid a month in advance for a cellular line through XXXX. Over the years they had bad business practices that I eve reported to the XXXX. I eventually paid off all my phone cost and bills that was due. Then I switched services after I got my XXXX unlocked. Months later I get calls from XXXX claiming I owe them another {$91.00} or so. I told them to prove it through billing history, which they never did. Then they sold this account to Sunrise services, which repeatedly contacted me after I told them to provide full and itemized account history of this account, which they never sent or even tried to do. Then all they did was send one way texts to a link to pay the debt. Eventually they reported to the credit bureau. Which now Im claiming false & fraud since they can not provide proof or even communication of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXXXXXX XXXX XXXX  to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..
Product: Debt collection

A company posing as a collection agency put a collection on my credit report. 
The company is called Southwest Credit Systems. They have over 130 negative XXXX reviews that this has been happening to multiple people. They also have almost 500 negative reviews with XXXX. They are claiming that I have an unpaid loan in the original amount of {$950.00} noted as cable/cellular for a company called XXXX XXXX. with a balance of {$1500.00}. They have it dated as XX/XX/19. I reported it to the credit bureaus and contacted the FTC who gave me your information.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX XXXX 2. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

Dear [ TransUnion/Equifax/Experian XXXX Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/year>, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/year>, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

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

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  XXXX XXXX XXXX Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at KHOLS/CAPONE on XX/XX/XXXX, under the account number ( XXXX ), a business loan account opened at XXXX XXXX  XXXX XXXX XXXX under the account number ( XXXX ), and a telephone service account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XX/XX/XXXX I contacted 21st Mortgage to let them know my hours have been cut because of Covid and I would be unable to make my mortgage payment. 
They didnt have any answers for me because they did not know what was going on either and then in XX/XX/XXXX I contacted them again to let them know as soon as I receive my stimulus I would be able to pay them unfortunately I did not receive my stimulus until XX/XX/XXXX a year later. 
My main problem is that my mortgage is not federally backed it is not XXXX XXXX or XXXX XXXX. So they are not following the government guidelines either! 
Ive even contacted them in XX/XX/XXXX and I also had HUD out of XXXX California on a three-way call to contact them to help me get help with my mortgage and they just kept saying no they had nothing to help me and that I would just have to pay the full amount including the lawyer fees and late fees in order to catch the mortgage up And reinstate it! 
Now in XX/XX/XXXX I receive a statement on my home that they were going to start foreclosure proceedings and I contacted 21st Mortgage again in XX/XX/XXXX asking them if they had anything that they could help me with or if we can make a settlement on the {$12000.00} they wanted and they just said no in order to reinstate my mortgage I had to pay the amount in full! 
21st Mortgage is being very stubborn and not helpful in anyway with this pandemic that is thrown this country into a horrible state!!!! PLEASE! SOMEBODY HELP ME KEEP MY HOME!!
Product: Mortgage

My wife and I applied for refinance from Freedom mortgage. 
We signed all the paper work and closing on XX/XX/2021. 
According to the closing document my first payment of {$1400.00} will be due XX/XX/XXXX. About 3 weeks into closing, freedom mortgage called to say the bank could not finance the deal so we have to pay the old mortgage amount of {$1600.00} for XXXX while refinance is redone. 
This was communicated over the phone whiles most other previous info was via email. 
I tried reaching out to my loan originator XXXX XXXX XXXX several times though calls and leaving message in his voice mail but no response. 
Why will the bank not pay? 
Why am I been called upon to pay XXXX mortgage via phone? 
Why my loan originator not communicating with me? why with such an important info, Freedom mortgage decided to communicate via phone ( which is ok ) but not official through email for my records?