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

Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I am complaining about XXXX and Navient who steered me into economic hardship deferment and forebearance and made things difficult for me pertinent to income-based repayment now that I am out of time remaining for forebearance and economic hardship deferment. I am XXXX and I am in the process of seeking loan forgiveness.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative consumerreportmeansa Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information is accurate.
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. 


XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. VANCE AND HUFFMAN LLC And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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 or other personal consumer reports

Here 's a memo to the Consumer Financial Protection Bureau ( CFPB ) disputing the inaccurate late payment information on your credit report : -- - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX [ Email Address ] [ Phone Number ] *XXXX XXXX XXXX **Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX  **Subject XXXX Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by the three major credit bureausTransUnion, XXXX, and XXXX XXXX XXXX account ( Account # : XXXX ) XXXX 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- XXXX - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$1800.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct the credit bureaus to remove the incorrect late payment information from my credit reports. I have maintained current payments as indicated by the " Current '' status in all other areas of my account details, and the reported late payments are erroneous. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

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

I have sent in multiple dispute and fraud reports to Equifax and the collections agency. I have yet to receive any documents from Equifax or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.
Product: Credit reporting or other personal consumer reports

I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XX/XX/XXXX, as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX  XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

This NOTICE is to inform Transunion that XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by transunion in response to a dispute of said Bankruptcy that transunion verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Transunion to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

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

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

I called Experian this evening @ around XXXX and spoke with a gentleman XXXX, he would not give me his last name or his ID information. I called with reference to a couple credit items listed on my report 1. ) XXXX - Acct # XXXX, 2. ) XXXX- Acct # XXXX as well as 3. ) XXXX XXXX XXXX Acct # XXXX, I advised XXXX that I would like to dispute these items and he said he would NOT because they have been previously disputed. I then asked XXXX, I thought it was my right and he said they reporting company has verified these several times and they will NOT be deleted nor will he open a new investigation. I thought it was my right under the FCRA ( Fair Credit Reporting Act ) to challenge items listed if they were not mine. I then proceeded to ask him they I wanted him ( Experian ) to VALIDATE these items and he said Experian does not provide VALIDATION they only report what the Creditor ask them to report. So, then I ask about SEVERAL Inquiries listed on, my report that are not mine and he again told me INQUIRIES CAN NOT be removed nor can tey be disputed. So, it is my understating from XXXX that Experian will NOT investigate items on my report nor will they investigate inquiries that are not mine. I need some assistance with this as this is not what is outline by the FCRA as I read it. If this is indeed the case please send me where in the FCRA stated that a credit reporting agency does not have to dispute or validate info that the consumer feels is incorrect. 

With all due respect, please advise as your earliest convenience.
Product: Money transfer, virtual currency, or money service

Contacted PayPal multiple time last to close my account. Theyve stated they cant. My personal account was verified never made any transactions or anything I had to upgrade my account to be able to receive payments for my work. Thats the only change that was made Ive never had any other PayPal account or did business with PayPal. They just shut my account down and not allowing me to close so I can use the other service my employer provide call stripe which is illegal I dont have to use your service but you cant hold my business hostage either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage was remodified so it shows late payments which I understand, however all payments have been made on time since XX/XX/2017. There have been 19 payments on time since the modification. This just appeared on my report a few months ago?
Product: Checking or savings account

To Whom it May Concern, I successfully opened a checking account with Wells Fargo Bank in  XX/XX/XXXX and was allowed to make an initial deposit of {$50.00} online. At the time, Wells Fargo was offering an account opening bonus of {$250.00} and there was a minimum balance of {$1500.00} in order to avoid a monthly service fee. I mailed a check for {$1500.00} that same week in order to bring my balance over that threshold.
A couple of weeks later, my check was returned to me in the mail with a note saying that I needed to go into a branch with a photo ID to verify my identity. The closest branch is 1 hour and 22 minutes from my home -- nearly a 3 hour round trip drive. I called to inquire as to why my check was returned. I was told over the phone in   XXXX   that I could re-send a check for my {$1500.00} deposit. On  XX/XX/XXXX , I wrote a second check and mailed it out the next day. I never received any further notice about this deposit.
Recently, I received a statement from Wells Fargo showing that my account balance is only {$30.00} as of  XX/XX/XXXX , when a second monthly maintenance fee of {$10.00} was charged to the account. It appears that they never deposited my second check for {$1500.00}.
I called today,  XX/XX/XXXX  and was told that the only thing I can do is appear in person at a branch. Despite my pleas for understanding that the drive to a branch is an undue burden, the bank refused to speak with my about the account and told me that they could not answer any further questions. They hung up the phone on me.
At this point, it appears to me that Wells Fargo did not open this account in good faith. My impression is that they never intended to allow me to deposit and rather were looking to steal my money in the form of monthly maintenance fees. I 've been told that I can not even close my account over the phone. Effectively, the bank has told me that they will continue to debit my account to {$0.00} unless I drive 3 hours round trip to prove that I am me. As a business owner with excellent credit who has lived at the same address for almost my entire life, I ca n't believe that Wells Fargo has had any difficulty in identifying me. They could easily   XXXX   my name and verify every piece of information I have provided as to my knowledge I am the only person in the entire United States with my name and I do own a sizable business in the hometown I have lived in since my birth in  XX/XX/XXXX . Furthermore, if they could not verify my identity, why would they have let me open an account and make a deposit? At this point, the only answer I can surmise is that they intended to take advantage of my distance from a branch all along. I wonder how many others ' accounts they have pilfered under the guise of " not being able to verify identity ''.
I was unfairly charged a fee on an account that I twice tried in good faith to deposit money into in order to avoid a fee. The bank has refused to speak with me over the phone. Please help me compel them to at least return my money -- including the {$20.00} in fees that they have attempted to steal -- and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : Recently, Bloomingdales reported a 30 day LATE PAYMENT to all Credit Bureaus stating that I was late 30 days. I never received an email statement nor a paper statement telling me that there was a {$82.00} balance due and I have several accounts and I keep track of all the accounts and make timely payments as I receive statements. My credit score has always been about 785 FICO with the 3 Credit reporting Agencies. Today, my credit score dropped to XXXX due to the fact that BLOOMINGDALES CREDIT reported 30 days LATE Payment to the Bureaus. I immediately contacted the Bloomingdales Credit Department and after waiting ror over 45 minutes being on hold, I was able to speak to Ms. XXXX in Bloomingdales Credit Department I explained the entire situation to her that I never received a statement via email for the past 2 months which I always receive on a monthly basis and I requested that the 30 day past due late payment reported to the credit bureaus be removed and show as being current since it is not my fault that I never received a statement from Bloomingdales and how can I be held responsible. 

The only was I found out that my payment was past due was because I received a phone call from Bloomingdales Customer Service after 2 months letting me know to call Bloomingdales for an important business matter and when I called Bloomingdales Customer Service, I immediately made the payment of {$44.00} and Customer Servicve removed the {$38.00} late fee on the account which brought the balance down to {$0.00}. Since I was on the recorded line with Bloomingdales and they informed me in the beginning of the phone call that all calls may be monitored for quality assurance purposes, I was told by the Bloomingdales Customer Service that there would be no negative reporting to any credit bureaus and I am sure that conversation was recorded on the Bloomingdales phone line since they record calls like the rest of the companies for quality assurance reasons. 

I even requested to speak to a Bloomingdales Credit Department Supervisor and she even refused to assist me in this matter. I explained to her that it was Bloomingdales fault that I had not received statements from them for the past 2 months and she was another rude person just trying to state the facts the the negative reporting would not be removed. I have no where to go to but to come here and pleasd to your organization. 

I recently applied fr a new mortgage application and my mortgage loan wold be denied if they see that there is a recent 30 day late payment on my credit bureaus from Bloomingdales. I have an excellent record and my credit score has always been above 780. I am requesting that Bloomingdales be contacted and that I receive assistance in getting the 30 day late payment record removed from all 3 credit reporting agencies. 

Thank you XXXX XXXX XXXX ( Cell )
Product: Credit reporting or other personal consumer reports

This debt was paid with First Progress before it was delinquent. Please see attached screenshot of the payment confirmation from XX/XX/XXXX. It is reporting as unpaid but as you can see it was paid on XX/XX/XXXX.
Product: Mortgage

wellfargo. took money form my checking account. and in stad of puting it in my mortgage account it put it in my principal that was over {$15000.00} in the account.know i cant pay bills and mortgage on time.thats was whit the money was for.I went to tell them whit happen and said day coud not do anyting about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and Equifax has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by this company. Attorneys want to much money and NO ONE cares, within the governme nt or their agencies, that there is fraudulent info on my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX )
Product: Mortgage

This is an old second mortgage that was past due. We tried to do modification and they deny it. Saying we do not qualify. They send an offer that for us to save our home or some type of modification we need to paid then over {$10000.00} and stay we the same terms of the loan and high interest. The penalties and past due surpass more than {$98000.00}. right now I owe more money to them than my first mortgage. they already file foreclosure with the state of NJ and not willing to work with us. I call them to ask for their help at least to change the terms of the loan to make it easier for us to pay and they told us that since I apply in XXXX for modification, right now it will be more money that when we applied. I'm getting Absolutely no willingness from them to help my family and my hardship. for them there is no option and when I told them I can not afford to pay them the {$10000.00} right now the agent told us that's what we do ask for money for some sort of modification. I'm in a hardship I don't have that money to give. I work in the hotel industry was out of work for 3 years after corvid. My first loan help us to change terms of the loan worked with us an lower our interest rate. why can they do the same. I'm frustrated and has cause my family an enormous distress. i just want a fair modification to save my home.