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

A FTC report and POLICE REPORT were filed in XXXX. 
This report outlined information from XXXX that i did not authorized and was not aware of. Since the month of XXXX the account was not properly closed and removed from my credit report. All my paperwork explained how this was a part of Identity Theft and need to be addressed and removed as to NOT CAUSE ANY MORE HARM TO ME. 
In XXXX i reached out to XXXX  XXXX and was not helped with information of ownership. Since contacting XXXX there has been two additional charges added to my credit. The card is marked closed on my report however is showing late payments and an increase of credit usage. On XX/XX/XXXX I experienced a XXXX point decrease in my score, this is VERY HARMFUL!! PLEASE PLEASE HAVE THIS REMOVED COMPLETELY. 

In total I have lost XXXX points collectively from all three bureaus combine within the course of the past 68 days. I need this taken care of TODAY. I have followed all guidelines and procedures. I AM A VICTIM OF IDENTITY THEFT by a data breach. THIS NEEDS TO BE FIXED, PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have know knowledge of this account and that you did not authorize the reporting of this account on my reports
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account listed on my credit report by WebBank/Fingerhut . This account has been appearing on my credit report since 2014, yet it is neither an open nor a closed account. Its continued presence on my report is misleading and does not accurately reflect my credit history. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report. Since this account does not represent an active or closed line of credit, it should not be reported. I request that this matter be investigated promptly and that WebBank/Fingerhut be required to remove this erroneous listing from my credit report immediately.
Product: Credit reporting or other personal consumer reports

TransUnion has discriminated against me by illegally reporting false inaccurate credit score to lenders while denying me my legal right to access and obtain my credit score and report that is not consistent with the credit score of what TransUnion provides to lenders. TransUnion illegal business practices has caused significant damage and hardship due to the denial of credit lines and other financial credit opportunities due to the inaccurate credit score that TransUnion has provided to lenders obtaining my credit score and credit report. TransUnion has blocked me from calling in and speaking with real human agents to complain about issues that exist. TransUnion has blocked me from calling and speaking with anyone by forwarding my calls to in human operators that do not address any issues or complaints. TransUnion has made it impossible to speak with any live agents or staff members. TransUnion has deliberately reported inconsistent credit scores to different lenders in the same time frame that do not reflect one another while blocking my own access to discourage me from reporting their illegal business practices. TransUnion has caused significant harm and negative impact due to their failure to comply with the law. TransUnion has also violated my right to access and obtain my personal credit information without any errors or inaccuracies or discrimination of any kind.
Product: Mortgage

Wells Fargo is FRAUDULENTLY sending communication via regular mail. 

The date they print on the letters is NOT the date they actually SEND the letters. I have found many cases that they are mailing letters XXXX 10 days LATER than they are printing the date on the letters. This is FRAUDULENT as many times they expect a response within a certain # of days from the date of their letter. They are BACK DATING the letter or failing to mail it for MANY days. 

This causes a lot of trouble for people like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax due to their failure to investigate and resolve inaccuracies on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Equifax via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Equifax received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Equifax has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Equifaxs failure to do so is a direct violation of my consumer rights.

I have attached a copy of my dispute letter to Equifax and the USPS certified mail receipt as evidence.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

WORLD FIN XXXX Balance : {$2100.00}
Product: Mortgage

On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/XXXX and XXXX without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.
Product: Credit card

I paid off my credit card in full on XX/XX/XXXX with Bank of America on a closed account. On XX/XX/XXXX I received a bill from Bank of America for {$1.00} cents. When I called to ask were this charge came from the phone rep said it 's the minimum charge for all credit cards. I told her that my account was paid in full on XX/XX/XXXX and has been closed for over 10 months. She said that makes no difference and if I do n't pay the {$1.00} I will be charged a {$37.00} late fee for every month it 's not paid. I checked the statement they provide online and it does n't show anywhere this {$1.00} came from. How can I be charged a minimum charge on a card that 's been closed for ten months.
Product: Student loan

In XXXX I lost the employment and had to get off my income based repayment plan and was moved to forbearance due to unemployment. I regained employment in XXXX. I called AES to request that an Income Based Repayment ( IBR ) plan application be mailed to me. After a few weeks I called back and was told that the IBR was mailed but that they would send it again. A few weeks later after receiving nothing I called back and was told that nothing was mailed either time and that I can go to the website to get the application. I said that I don't want to go to the site and asked that get the application mailed to me as I did 3 calls and 2 months prior. A few weeks later I called again for a fourth time asking where the application was because I still haven't received anything. I was told that the " systems were down '' and that " nothing could be mailed but I could go to the website ''. I told that person that for the fourth time and 3 months after my initial request that I still want the paperwork mailed. After receiving the paperwork I completed the application as instructed and faxed it in along with the required pay stub. 2 weeks later I got an email saying that my application was denied and I have to stay on my current plan. I emailed back saying that how could my application be denied? I am working and want to start repayment but can not because they denied my application and want me to continue paying nothing! They replied back saying that I was denied and have to stay on my current plan. I replied saying that is ludicrous. I can resume repayment because I have income and don't want to continue paying nothing. AES 's response was that I must continue on my current plan until next year when my current repayment plan is up for renewal. That is insane. They owe me for the 3, now 4 months of accrued interest and to go over with me terms of repayment. What AES is doing is CRIMINAL.
Product: Credit card or prepaid card

I was charged fraudulent amounts on XX/XX/XXXX in the amounts of ; {$73.00} - XXXX XXXX XXXX XXXX {$5.00} - XXXX XXXX {$100.00} - XXXX {$26.00} - XXXX {$240.00} - XXXX # XXXX New York {$200.00} - XXXX # XXXX New York {$250.00} - XXXX XXXX XXXXXXXX XXXX {$100.00} - XXXX I reported these fraudulent purchases immediately (XX/XX/XXXX @ XXXX ) and immediately canceled all cards associated with my account and reported cards as lost/stolen On XX/XX/XXXX, I filed a police report with the XXXX Police Department reporting identity theft ( XXXX << REPORT NUMBER ) I submitted this report to netspend immediately via their online reporting function. 

On XX/XX/XXXX I receieved a notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$340.00} OnXX/XX/XXXX I receieved a second notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$550.00} On XX/XX/XXXX I  recieved a notice of resolution from Netspend stating that they found no errors in charges and that they would be crediting OUT the provisional debits by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX ILLINOIS XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had a balance with XXXXXXXX XXXX so XXXX became the collections and stated I had an outstanding balance of {$400.00} on XX/XX/XXXX. In the middle of making monthly payment XXXX sold the account to XXXX XXXX and then stated the balance is {$970.00}, the monies i already paid can not be accounted for. On XX/XX/XXXX i paid {$50.00}, and on XX/XX/XXXX paid {$52.00}, now XXXX has the account and says i owe the {$970.00}
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted ( XXXX ) to have my credit report from all three agency mailed to me. I decided to have them mailed because when I tried obtaining it online in the past one or all three refuse to allow me to access my report. Last year after first going online I only received one report. I called two weeks ago, and have not received anything any from TransUnion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX XXXX  XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXX XXXX  aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX  XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act
Product: Debt collection

I have an account that is showing in collection status for a former debt owed to XXXX XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender XXXX. 

I dont owe the bill twice and ask that the XXXX showing as collections from another law firm for XXXX be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this XXXX XXXX was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.
Product: Debt collection

understand my frustration and confusion regarding the closure of my account with GRID/XXXX last year. After paying off the necessary amount, my account was closed on XX/XX/year>. However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID. 

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.

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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I request that you investigate the GRID XXXX  inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I requested a cashier 's check for {$2000.00} to be delivered to my work at XXXX XXXX XXXX, XXXX, CA XXXX, I never received the package and later found out it was shipped to XXXX XXXX XXXX, XXXX, CA XXXX. 
Capital One bank said they wanted me to fill out an affidavit to attest that I didn't have the check and to have it notarized. I told them that the check never made it to me and it was returned on XX/XX/2022 to Capital One and accepted by a " XXXX XXXX '' with a XXXX tracking number of XXXX. I refused to attest for a check that the company received regarding my check. 
I asked for the check to be redistributed to me, but now they are saying that they can't and can not release the funds for 90 days. 
XXXX said they would accept responsibility for delivering to the wrong address, but Capital one did not respond to the case, and XXXX denied the claim and closed the case. 
I asked them to get the check from XXXX XXXX In your company and verify that it is the check and return my money. 
I still have not received any follow up and I still have not seen that {$2000.00} deposited into my checking account. 
Thank you, XXXX
Product: Debt collection

I received a letter from American Coradius International claiming that I owed XXXX, XXXX {$960.00}. I called XXXX XXXX, who is the only part of XXXX I could owe money to and they said it is not from them.