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

Subject : Cease and Desist Request Regarding Old Navy BarClays - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Old Navy. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing.

I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis. 
Despite my attempts to resolve this matter directly with Old Navy, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Old Navy and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple efforts to address these inaccuracies, I have yet to receive any resolution or corrective action. These errors are significantly damaging my credit file and seriously affecting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a challenging position, and I urgently need your assistance to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to promptly update and correct my credit report. 

With your support, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Under FCRA Sections 605B, 623 ( a ) ( 6 ), and 15 U.S.C. 1681c-2 please view attachment for more detail
Product: Prepaid card

I filed, y taxes online through IRS and I had the option to either get my refund loaded on a pre pay card, Direct deposit or either get them mailed out to me. I choose to get the prepaid card through this company called Pay Power. 
I called paypower on today, which is Wednesday, XXXX XXXX, 2015 and I asked for my balance and I was informed that it was a balance of 300 dollars on my account. However, when I went to use my card I was informed that it was block on my card, mind you I have never used this card before. I called Paypower to find out what was going on and they informed that my card had been blocked because of Fraud. I asked them if they partner with the IRS how could it be tagged as fraud. I asked for his name and I XXXX number and then he hung up on me. I want to know how is there anything I can do to get my money back.
Product: Credit reporting or other personal consumer reports

Hello I found XXXX unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX XXXX XXXXXXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been miscalculated and does not reflect my credit history. First, my credit history in starts in XXXX, when I received my first credit card. A fact that not mentioned in the credit reports. Second, my arrears with XXXX occurred because I had moved and had not known or received notices of the amount outstanding. I resolved that issue with XXXX in XXXX. Please update my credit score to reflect my credit history accurately. Thank you very much.
Product: Mortgage

Related to Wells Fargo Complaints : In approximately 2009, we decided to refinance our 30 year conventional mortgage, because the interest rate on our then Wells Fargo Mortgage was quite high. We applied to refinance the mortgage with Wells Fargo, because they were familiar with our good payment history. At that time we had over XXXX percent equity in our home. Wells Fargo tried to convince us not to refinance. They finally agreed to refinance at a lower interest rate, but only if we agreed to pay mortgage insurance for at least one year. Given that we had over XXXX percent equity, we were not borrowing against the equity, and we had never fallen behind in our payments, we inquired why we would be required to take out mortgage insurance. We were advised, given the current financial crisis, anyone taking out a mortgage with Wells Fargo was required to take out mortgage insurance and that we could apply to have it removed after making one payment under the new mortgage. We were told, however, that Wells Fargo would likely continue to charge the mortgage insurance for a one year period after receiving our application to have it removed. So, we declined to accept the terms and conditions with Wells Fargo, and refinanced ( with no mortgage insurance required ) through our local credit union. We believe Wells Fargo was bilking people with good credit and mortgage payment histories, out of money by charging for mortgage insurance that was unnecessary. The bank was likely pocketing the money -- or a portion of that money, perhaps in collaboration with mortgage insurance companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is Equifax. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been on the up and up for almost 2 years. Ive been rebuilding my credit doing a great job I have been paying down my auto loan to 80 % now in just three years for a five year loan. 
I owe nothing on my credit cards. I only use my XXXX card but I use it weekly and pay it off before its due every month. Ive never missed a payment in the last 2+ years but Experian has been messing with my credit score. I have proof they would drop me 15 points or raise me five points then drop me six then raise me again all within a month or two.

I believe theyre doing this to make people use Experian boost. I think what theyre doing is absolutely criminal blackmail. 
I believe theyre blackmailing consumers into buying into their boost program to raise the credit scores when they have no right to lower them. 
They dropped my credit score 20 points in one day for no reason!!!

They say they only monitor but that is not true they adjusted my score 20 points in one day downward when the other two agencies are increasing my credit score. 

Ive been trying to build my credit up because Im buying a house in XXXX or XX/XX/2021 and Experian thinks its a game that they can play with someones credit score to make them join Experian boost.

Every time they send an alert they say need help raising your score get Experian boost. Or they send an alert saying we just dropped your credit 20 points get boost to bring it up.

I believe its a scam!!! I believe what theyre doing is criminal blackmail using peoples credit scores as the bait!!! 

I want an investigation done please. 
This is absolutely wrong. I called them this morning and they would not give me a good reason of why my credit score went down 20 points in one day.

One operator said when I paid off a credit card ( that I didnt even know 10 % of my limit on and never missed a payment ) that lowers my score. I couldnt believe he said that when you pay off a credit card my score gets lowered that is absolutely a lie its ridiculous and how dare them tell people this they recorded my conversation I hope you guys can subpoena or tell them you want that recorded conversation because he did tell me that I said it was a gas card that I charged up XXXX in a month and quickly paid off before it was due how would that make my score go down he said it does I couldnt believe it. 

I would bet theyve done this to many other consumers and I would join a class action lawsuit against EXPERIAN to make them stop these criminal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to reach out to the Department of education and XXXX  regarding the incorrect harmful reporting status with XXXX, XXXX XXXX XXXX. 

My loans have been consolidated and no longer in collections. The status remains and is causing me hardship. This needs to be corrected.
Product: Debt collection

XX/XX/XXXX I signed up XXXX of my boys for a XXXX XXXX XXXX with the name XXXX XXXX XXXX after researching about the curriculum and core values. This is a local XXXX area chapter of XXXX XXXX XXXX XXXX whose main headquarters is in XXXX XXXX California. After 2 weeks, the gym changed its name to XXXX XXXX and was no longer affiliated with XXXX XXXX. I discussed my concerns with the local gym owner with name XXXX XXXX but he directed me to call Affiliated Acceptance Corporation ( AAC ). I  was also informed that it was not possible to cancel the gym membership. I called AAC several times and wrote to them on XX/XX/XXXX to formally raise my concerns about the AAC trying to collect debt. My lawyer sent them a letter to cease harassing me with collection notification via mail and phone calls. It is now XX/XX/XXXX and they are still at it. They will quit for few months and then start again. AAC told me in their response letter dated XX/XX/XXXX they were unable to process my request to cancel the membership. My take in this matter is that this gym offered me a membership and affiliation with XXXX XXXX by repesentation and then I got a generic XXXX XXXX instruction from former XXXX XXXX instructors. AAC came in the mix because according to the owner, he hired ACC to collect monthly gym memberships because he could not afford an accounting department to process such collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a business owner and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Product: Money transfer, virtual currency, or money service

I was scammed out of money for a service that was not performed correctly or professionally. I contacted cash app and sent proof of the scam and they continued to tell me they wouldn't do anything contact the person.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I am repeatedly having problem 's with XXXX, investigating and deleting this fraudulent address from my credit file. I have contacted XXXX several times requesting that they investigate a fraudulent P O Box address listed on my XXXX Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my XXXX  Credit report is attached to this address. This is not nor has it ever been my address.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Product: Debt or credit management

I received a text from a debt collection/ credit management on behalf of a prior toll road charge on XXXX XXXX XXXX, I followed a link and it took me to their website. The website told me to confirm my identity and gave me three options, enter date of birth enter last four of social and an other option. I entered the last four of my social and it prompted an failed to verify account to which it then gave me the other options and so I entered my date of birth and it prompted failed to verify account. At this point I realized that this company had just stolen my Personal Information and they pose a potential threat to my information. I need to know what to do about this situation as soon as possible. This is the text they sent me Credit Management , LP has been issued XXXX XXXXXXXX XXXX. XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX by the North Carolina Department of Insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by XXXX XXXX I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that XXXX is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. XXXX is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
XXXX XXXX is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, XXXX XXXX  states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. XXXX XXXX is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the XXXX payment history, XXXX XXXX reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To : [ Creditor Name or Credit Bureau Name ] Subject : Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am contacting you regarding four fraudulent accounts that are inaccurately reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were fraudulently opened in my name without my consent. I have an identity theft police report from my local police department and a notarized FTC Identity Theft Affidavit substantiating that my identity was stolen. 

My credit was compromised due to major data breaches, including the Equifax breach and the XXXX XXXX XXXX breach, which exposed my personal information to unauthorized parties. As a result, fraudulent accounts were opened under my name. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I have the right to dispute and permanently delete any fraudulent accounts resulting from identity theft. I formally request that these accounts be immediately investigated and removed from my credit report. 

To aid in your investigation, I have included the following : A copy of my identity theft police report A notarized FTC Identity Theft Affidavit I request a written confirmation once these accounts have been permanently deleted and my credit report has been updated. Failure to address this matter appropriately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this urgent matter. 

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

I recently checked my Equifax credit report and I noticed XXXX XXXX XXXX is reporting on my Equifax report for the amount of XXXX XXXX  and {$890.00}. 

XXXX XXXX XXXX sent Equifax a deletion letter I demand these items be removed from my report.
Product: Mortgage

mailed by check on XX/XX/XXXX for more than the amount due paying extra on the principle, noticed my check has not cleared my bank on XX/XX/XXXX, spoke to rep at SPS Servicing on XX/XX/XXXX and she said check was received on XX/XX/XXXX but not applied to my account yet, called XX/XX/XXXX told check was received but not applied yet give it until XX/XX/XXXX, called XX/XX/XXXX check still not applied to my account - was told it waiting to be processed - asked to speak to supervisor because received a late notice on XX/XX/XXXX - supervisor told me she is escalating for my payment to be processed - said because it was more than I owed the system rejected the payment- I sent in the payment coupon showing I wanted to extra applied to my principle and I can't not understand why my payment would be rejected and no one has contacted me about it - she said they had to do research to see if there was a prepayment penalty for overpayment - I explained the her they have had the check for over 12 business days - how long does it take to do research and to deposit my check? She replied she had no idea why the process was so long
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY AGENCY. PLEASE SEE ATTACHED DOCUMENTS AMD ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Product: Mortgage

From XX/XX/XXXX - XX/XX/XXXX I was in the process of applying for a pre-approval on a mortgage from Bank of America. XXXX XXXX, NMLS # XXXX was assisting me in putting the application together and asked for my current rental history. I live in a house co-owned by my father and I, and I transfer him money every month ( under no obligation or contract to do so ) to help him get by. 

The underwriter and XXXX initially assumed that I was renting the house from my father, and asked for me to provide a rental agreement or documentation. When I informed him that there is no agreement, and I have no obligation to pay rent, XXXX instructed me to forge documentation ( a " lease agreement '' ) saying that I have been renting my residence from my father for years in order to establish enough credit history to get my mortgage pre-approved. I declined, and our conversation ended.