23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( Old Address ) XXXX XXXX XXXX mail stolen which included XXXX  loan paperwork. Credit card were made. 

( XXXX XXXX XXXX ) Current address- Mailbox with lock broken into and mail stolen. 

( Mailing Address XXXX XXXX XXXX ) - multiple boxes broken into a few years ago. Mail stolen but arrest was made. No mail recovery personal information taken. 

Personal information breach with XXXX XXXX ( twice ), XXXX XXXX XXXX  Capital One XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX breaches. I have received letters stating that my personal information is on the dark web multiple times. 
I had been sued and I have filled bankruptcy to correct or fix the issue. I currently have all 3 credit reports locked, due to fraud.
Product: Credit card

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me XXXX XXXX, and I implore you to correct this mistake by promptly removing it from my account.
Product: Credit card or prepaid card

XXXX fraudulent atm withdrawals for {$980.00} were made on consecutive days and in different locations. The first was on XX/XX/XXXX in XXXX, CA and the second was on XX/XX/XXXX in XXXX XXXX, CA. Both cities are in XXXX California, however, I had my card on my person XXXX miles north in XXXX XXXX which can be confirmed by the charges I made in XXXX XXXX area on my BofA XXXX card and personal debit and credit cards. 

On XX/XX/XXXX I called to cancel my card, but was not able to file a claim with the fraud department as they were closed for the day. It took a day or XXXX to finally reach the fraud department. XXXX separate claims were filed for each charge and the below is a timeline of events Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA believed my claim was fraudulent and any funds that were reimbursed would be debited from my account. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA reviewed my claim and permanently credited my account for the {$980.00}. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating BofA issued a temporary credit to my account that would post within the the next XXXX business days. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating my claim has been closed because the bank believes my account or the claim have been the subject of fraud or suspicious activity and any temporary credit applied to my account would be debited from my account. 

A letter on XX/XX/XXXX regarding claim XXXX stating that BofA has completed their investigation of the disputed transaction. The previously issued credit of {$980.00} is now permanent. 

Other Issues that prevented the claims from being approved : Bank of America ran internal audits which automatically closed claims. 

Bank of America created new claims instead of reopening existing claims which raised red flags. 

It has been extremely difficult working with Bank of America to have these issues resolved in a timely manner. I look forward to receiving notification that the funds will be deposited back into my account.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

Jefferson Capital is reporting a credit card item on my credit report which is inaccurate. I dont have a credit card with Jefferson Capital .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

Applied for the Wells Fargo active cash visa credit card. Explain that I have security alerts due to identity theft with major credit bureaus and would not be instantly approved. Call to provide additional information. Wells Fargo gives a default denial and refuses to properly reconsider on a case by case basis. The decision made is based on incorrect information. All three major credit bureaus have the same information, above XXXX XXXX XXXX, long-term credit history, no defaults are delinquencies, no late payments. Despite providing this information, Wells Fargo refuses to approve or consider the application.
Product: Debt collection

U.S. Department of Education, I write this letter today to express my dismay when it comes to the information that is displayed on my current credit file. 

As stated by your website and others, your organization is known for their ability to help resolve issues revolving around matters, similar to this one. 
The dispute in question is based on paperwork that is obviously sent directly from Mohela, a small college that my daughter attended back in XXXX XXXX XXXX 

The letter states that the balance has been differed until XXXX, but yet my current credit report plainly shows a balance that is premature as well as misquoted. 

The balance for XXXX is {$7300.00} The balance for XXXX  is {$6000.00} And the balance XXXX  is {$9000.00} But if you look at my credit file as listed below There are a number of mathematical oversights. 

The amount for XXXX  is stated as {$10000.00} on my credit file but, the paperwork provided by Mohela states {$9000.00} A difference of {$1400.00} ________________________________________________________ The amount for XXXX  is stated as {$7200.00} on my but, the paperwork provided by Mohela states {$7300.00} A difference of -96.00 lower amount altogether If the interest is growing, then how is the amount lower at this point. 
________________________________________________________ The amount for XXXX  is stated as {$6000.00} on my but, the paperwork provided by Mohela states {$9500.00} A difference of {$3500.00} lower amount altogether And Strangely enough the amounts listed appeared on my credit score less than a month ago. 

XX/XX/XXXX. 

Where as the paperwork that states the approved deferment is dated XX/XX/XXXX. 
The deferment was granted no more than a year ago. 
A possible oversight perhaps, but the misquoted amounts lead me to believe that it is more than just a behind the scenes mistakes. Possibly a non procedural way of taking advantage of their students. Being her father my concern has been heighten. 
I am now blowing the whistle as a Concerned parent as to the treatment of my credit file as well as daughters credit file. 

A huge over sight when dealing with specifics. 
As you can plainly see there are a number of inconsistencies that have affected my credit file. 

At this point I am officially requesting help on this subject matter based on the difficulties that are presented. It is like arguing with an entity that does readily understand their own paperwork, as if to say a roundabout figure may just apply, when credit repayment is a business of exacts. 
To reintegrate According to their paperwork the first payment is not due until XXXX. 

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

I AM Filing this complaint regarding inaccurate items on my credit report. I Am requesting an immediate investigation to the credit agencies
Product: Credit reporting or other personal consumer reports

Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XXXXXXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several incorrect derogatory items listed on my Equifax credit report, which I believe may be tied to incorrect personal information, including my name and address. 

I kindly request your immediate attention and investigation into the following accounts : Account Type : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX, Last Reported : XX/XX/XXXX, Account # : XXXX, XXXX Account Type : CollectionXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Status : Derogatory Balance : {$420.00} each Last Reported : XX/XX/XXXX Account # : XXXX Account Type : Open Account XXXX XXXX XXXX Account Status : Derogatory Balance : {$960.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX These accounts are unfamiliar to me, and I request immediate investigation and removal of these discrepancies from my report in compliance with the Fair Credit Reporting Act ( FCRA ).

Furthermore, I have identified incorrect addresses on my credit report that may have contributed to these inaccuracies. Please update my records with my current address and remove the following incorrect addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Please also ensure that my name is correctly spelled and represented on my credit file, as any discrepancy in my name could further cause incorrect information.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}
Product: Mortgage

Processed the assumption of an FHA mortgage held by Freedom Mortgage from XX/XX/2024, until settlement on XX/XX/2024. Tried setting up online account after XX/XX/XXXX meeting but received error online. Called Freedom Mortgage customer service and was told that since the FHA loan being assumed already exists, and the Seller had already created an account associated with that loan number, I could not create an account until after the assumption is complete. Tried to set up account again on XX/XX/2024, the day after settlement, and received same error. Called Freedom Mortgage customer service again and was informed that due to their system limitations when a loan is assumed, I will not be able to create an online account to view/ manage the loan or make payments online and that I will have to get the previous owner 's login information if I want to have online access to the account ( which they will not share ). Furthermore, they said they can not change the email address on the account and any password recovery would be sent to the previous homeowners email. This means the previous owner not only will maintain access to view all our private information and activity on our mortgage but can also make modifications if they wish and we will not be given visibility to our mortgage details and payments! After this I did a quick search online and find out from numerous forums and sources that this is a known issue that has not been resolved despite YEARS of complaints to Freedom Mortgage and CFPB! Please, I'm begging you to take action against Freedom or force them to transfer loan assumption accounts, after settlement and maintaining terms, to another lender who will let us create a secure account of our own!!
Product: Debt collection

I never even heard of this company in my life this was also on my police report that i sent to all the credit agencies. They all took it off and then about a year ago XXXX put this back on. once again with know warning or didn't even explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX )
Product: Mortgage

I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about XXXX worth of painting expenses ), and the remainder which is to reimburse myself for repairs that I have already paid for. The amount of money that should involve my mortgage company is under the amount that should even involve the loss draft department. This process is beyond obstructive and beyond the scope that they should have authority over. I am in need of repaying myself for repairs I paid for out of pocket and I have lawyers and professionals the need to be paid. If this check was portioned differently from the beginning I would have been able to have the check endorsed at my local bank branch. I 'm at a loss and I 'm concerned that I will not be able to have my money released from my bank.
Product: Debt collection

XXXX phone is showing up on my credit report, indicating that I owe this company {$1800.00} and it is at a collection agency. I do not have any record of this debt and do not believe that I owe this money. I have repeatedly contacted the collection agency but they will not send me any verification of this debt nor what it is about. Also, XXXX does not show that I owe them any money.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well- being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
Product: Credit reporting or other personal consumer reports

Noticed hard and soft inquiries from XXXX XXXX, and other loan companies I do not recognize or authorize to run my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. These hard inquiries have hurt my credit, and violated my rights. These are the inquiries that have lowered my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 also states that a consumer reporting agency can not furnish an account without my written permission, so these inquiries we're done illegally, because I did not give anyone permission to pull my credit.
Product: Checking or savings account

My husband and I received a deposit into our joint savings account on XX/XX/XXXX. As per TD Bank the source of funds came from WELLS FARGO BANK NA. 

Please verify the information below that TD provided to us is correct? 

Date : XX/XX/XXXX Amount : {$980.00} Company Name : XXXX XXXXXXXX XXXX ID : XXXX Customer Name : XXXX, XXXX & Customer ID : XXXX Trace : XXXX Bank of Origination Name : WELLS FARGO BANK NA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX {$490.00}, The XXXX XXXX XXXX XXXX XXXX ) {$810.00} XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX All State ) {$260.00} XX/XX/XXXX, XXXX XXXX XXXX {$410.00} XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX {$620.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$2000.00}, Department of EducationXXXX XXXX. 

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

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

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency mau 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 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer 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

euifax and XXXX have-not allowed me to check my credit report. XXXX specifically will not allow me to check my report without payment. Equifax does not allow me to enter at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX This is concerning a Bankruptcy that still remains on my credit report. I sent them information from the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF OHIO  The clerk of the court sent me a letter stating that U.S. Bankruptcy Court does not report case information to credit reporting agencies. These reporting agencies independently access this public information for their use. They told me originally that this information was reported by the U.S. Bankruptcy Court and that's the way it's reading on my credit report. Know they are trying to say it was reported by public information how is a Third party reliable and or honest. They were originally contacted about this in XXXX of 2021 and so was XXXX XXXX and Equifax. XXXX  received the same letter and in less than 30 days they sent me a letter in the mail stating that they couldn't verify this information and removed it immediately. I sent XXXX  and Equifax a copy of the letter and a copy of the letter from U.S. Bankruptcy Court and know they are still trying to say that the Bankruptcy has been verified by the source If I'm not mistaken the only source is the U.S. Bankruptcy Court so how is that so. I also requested for them to send me a copy of who verified this information and they refuse to send me the requested information who verified this Bankruptcy.

So if it was verified why can't they send me the information as to who verified it. My question is how can they have it both way first they say it The U.S. BANKRUPTCY COURT that reported know they say it's public information. That don't make any sense how can public information report itself don't make any sense at all. Why are they allowed to put information on a credit report and LIE about it. So if they are lying about who put it on there than it was put on there illegally in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

have had this problem with equifax several times, lawsuit/ litigation pending
Product: Money transfer, virtual currency, or money service

I do not have a CashApp account, but I received a CashApp Visa Debit Card issued through XXXX XXXX. 

I looked up the support number for CashApp, and called to try to straighten this out. The number did not allow me to wait on hold for a representative. My only options given were to request a callback ( I was wary of this given I already know some kind of fraud has occurred and wanted to know I was talking to CashApp for sure ) or to use the support features in the app, which I don't have because the account used wasn't created by me. I called 15 times and was disconnected each time without reaching a person. I finally opted for the callback, but when they asked for my email address, I just really wanted not to give out any more information when I hadn't made the call myself. 

I called XXXX, who transferred me to XXXX XXXX, which disconnected me. 

I eventually located the official CashApp support account on XXXX and DMed them, and they sent me a support email. As yet this has not been resolved, and I don't have an answer as to if they will cancel the card and delete the fraudulent account.