23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Product: Debt collection

I dont owe anything to those Companies or medical bill how they collect a medical bill from me without getting any medical service or given any permission to release any info about my medical or any bill
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years, I have requested a document ( permissible permission used in XX/XX/2017 ) from Experian and XXXX XXXX XXXX XXXX ( XXXX ) to prove the XXXX loan was fraudulent. I complained to both companies. I get two useless results. 1 ) Experian does nothing, passes the buck and sends my request to XXXX who repeatedly states they are reporting accurately. 2 ) XXXX  immediately labels my complaints and request as " Marked as a duplicate complaint and This complaint appears to be about the same issues as your earlier complaint. '' The deflection and fear of liability is as a 3rd world government.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on your consumer report remains unresolved despite your numerous attempts to address it. This situation has significantly impacted your life, causing considerable stress and XXXX. You emphasize that you did not authorize or consent to the association of this information with your name, as you have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Product: Credit reporting or other personal consumer reports

XXXX continues reporting a late payment on my prepaid account despite multiple disputes. This account was fully paid with no outstanding balance, yet a fee was added without notice. The late payment is inaccurate and violates FCRA 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit card or prepaid card

After reviewing my statement from XXXX XXXX via Synchrony Bank I noticed there were card security fees, a phone number was listed and the call hours are between XXXX EST I've called numerous times. There is a pre-recorded message saying to please try again later, which I've been doing. No other department at Synchrony can help because it's a specific card security department.

Synchrony will only show it's customers 11 months worth of statements, and every single one had these fee 's that I never signed up for or authorized. The fee 's have added up to over {$80.00}, and that's just on the statements I was able to view. 

Beware of this card, they will charge you for a program you never signed up for a hide behind the fees. 

I've never had a late payment, and I am appalled by what little resources they have to fix this.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

JPMCB CARD SERVICES is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

It was a data breach from XXXXXXXX XXXX, 15usc 1681, they sent me a letter this year 2025 letting me know my information was exposed. So I would like to address any delinquent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. XXXX, XXXX and Transunion are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

At the beginning of XXXX, my husband and I received two post cards from Equifax informing us to call XXXX or visit www.equifax.com/fcra and select the option for FREE State Credit File to obtain our Colorado credit file at no charge when a consumer reporting agency has received 8 credit inquiries pertaining to the consumer which also adds negative information to a consumer 's file. 

On Friday, XX/XX/XXXX, I called Equifax at XXXX and spoke with XXXX to get a copy of our state credit files, put a fraud alert on our accounts, and update my email address which had been compromised. XXXX stated he was able to help with all concerns and sold me on Equifax 's credit monitoring service for $ XXXXmonth. I updated my email address and confirmed receipt to new email, provided payment information to get the transaction completed for monitoring service, requested credit file, and confirmed there were no other account ( s ) /profile ( s ) using my information with XXXX . After handling my account, XXXX stated he was unable to process any requests/updates for my husband since my husband wasn't able to get on the phone at the time. 

A couple of months later, I noticed Equifax notifications and alerts were still going to my old, compromised email address/account that I updated with XXXX on XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called Equifax at XXXX and first spoke with XXXX . He immediately needed to verify if I was XXXX XXXX XXXX ; I replied asking when and where he/Equifax got that information since this was the first time anyone has ever inferred or asked me that. XXXX said it was reported by one of my creditors or lenders but was unable to help further ; he would transfer me to someone that could. Shortly after, XXXX came on the line ; much like XXXX, XXXX was unable to tell which creditor/lender reported that information but was able to say the birth year reported was XXXX with my correct birth month and day. XXXX also had to transfer my call further to the XXXXlobal Consumer Care Department but would inform the next agent of the issue. 

XXXX answered the call after I waited on hold for a while and immediately asked for my SSN # ; confused that the call was supposed to be warm transferred from previous agent XXXX, I questioned why XXXX needed the information. XXXX said it was a cold transferred call then asked if I was going to give him the information or not. The entire call didn't feel right - I had enough for one afternoon and declined to provide more identifying information. I thanked XXXX for his time and ended the call. 

I was going to send a certified letter to Equifax ; however, if the interactions with their agents and paid subscriptions to their monitoring service were any indication of how my written correspondence would be handled on its own - the lesson gleaned from Equifax is to ask and complain at the same time to the highest consumer protection authority in the nation, on the largest consumer-financial platform.
Product: Credit reporting or other personal consumer reports

I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  along with 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  regarding misreporting on all of my credit profiles. Inquired if they had any signed documents they could provide me with my legal signature indicating I agreed to any personal loan and/or/ promissory note as to why they're reporting on my credit profiles I have a personal loan with the XXXXXXXX XXXX XXXXXXXX. No answer or information a has been provided to me as of todays date XX/XX/XXXX. Under 15 U.S. Code 1681 I request that any and all account information listed be CLOSED & removed immediately & permanently for case numbers XXXX XXXX Case No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) All of these ACCOUNTS have been created illegally without my permission or knowledge. And THESE ACCOUNTS have been and are currently illegally taking money from me as a result which is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$620.00} Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it:XXXX Total fraudulent amount : {$2100.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it:XXXX Total fraudulent amount : {$1600.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 on those accounts 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. XXXX XXXX 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: Checking or savings account

They basically stole my XXXX dollars by freezing my acct. again when ever my dollar amt goes hi or higher they do this. this is the 2nd time they've done this! 

and the last time, to bottleneck aka ( keep for as long as they want ) was when i had XXXX and they did the same exact thing demanding a notary certificated that i am myself. 

so they already have1, so use that 1 to begin with or better yet stop criminally using excuses while trying to steal peoples money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.
Product: Debt collection

In 2009 I had a traffic accident which no citations was issued the police stated no one was at fault, some how Hiday & Ricke on behalf of STATE farm ins. not only was able to go to court and falsify info but as some how gotten my driver 's license suspended, I have no money to hire a lawyer and need my driver 's license to work. How can any one who is a debt collector get some one driver 's license suspend and I was not even notify that there was court proceeding to attend and defend my self. I need some one to look into this for me. Thank you in advance. 

P.S the XXXX was wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, i surrendered my vehicle to XXXX. they show it as a charge off. therefore they recieved a tax write off. it is still l showing amount due on XX/XX/XXXX 6 years later!
Product: Credit reporting or other personal consumer reports

After providing transunion with the proper documentation stating and account shouldve never been reported because their info was false they still done nothing to remove it from my credit report and cant show me documents from the company reporting that would state their claim is valid, and that I truly believe I was a frauded by the company reporting and gave them proof of my claims
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

1. On XX/XX/XXXX Submitted Payment of XXXX which did not go through on My Debit Card Checking Account 2. On XX/XX/XXXX Sent XXXX XXXX XXXX which Was rejected by the company as told by on XXXX XXXX. They stated " Capital One Rejected the Payment '' 3. When calling on XX/XX/XXXX Capital One " The Representative was very rude '' she asked me how i was and i responded how are you, and she stated " Groovy '' in a condescending tone, after trying to give her the money control number to explain that i had sent XXXX for a payment, she stated the Account had been Closed. due to non-payment. 

I explained to her i had been trying to pay since XX/XX/XXXX She showed no empathy, could not get me to speak to a supervisor, and started laughing in the background. ( Very Unprofessional ). 

I finally got a refund for my XXXX In XX/XX/XXXX. 

The credit card company still sends correspondence encouraging me to pay, while rejecting my payments via XXXX XXXX and my checking Account.
Product: Mortgage

On XX/XX/2016 I deposited {$1600.00} from my XXXX checking account into Wells Fargo checking account. This money was to cover my mortgage payment which is automatically withdrawn by WF on the XXXX of each month. Several days before the XX/XX/XXXX I rec 'd a copy of the check back from Wells Fargo with a return reason " refer to maker ''. I quickly went to my nearest XXXX branch, where I had to withdrawal {$1600.00} in cash and deposit it into Wells Fargo or my mortgage payment would have been delinquent. I spoke to the manager at XXXX and showed him the copy of the return check. XXXX claims ( after a full investigation ) the check was never presented to them. They would have absolutely no reason not to honor the check, it was made payable to me, and it was coming out of an account with {$10000.00} in it, more than enough to cover the check. However, Wells Fargo continues to point the finger at XXXX stating that " there must have been something about the check they did n't like ''? ( WF branch manager 's words ). In light of the fact my mortgage account has been handled so poorly these past several months by Wells Fargo I fear that once again a mistake has been made on their end. I still do not know where this check is ( check no. XXXX ) nor can they tell me where the check is? It could have been an electronic error on their part but they are not taking responsibility or giving me any answers, other than blaming XXXX for not accepting it. This could have had an adverse affect against my credit standing, as I have had other problems with this bank which has potentially compromised my credit history ( previous complaints also filed with the CFPB ) never really receiving satisfactory answers. They just rehash and rehash the mechanics of the incidents, without really giving an adequate explanation as to why they take the action they take without proper and timely disclosure/notification. So here we go again .... I have very little confidence with this bank. I would like to know what happened to my check.
Product: Student loan

My oldest son started school in 2012. At that time, we took out our first Direct Plus loan, and were assigned to Nelnet to service our loan. Since that time, I have been making monthly payments in an attempt to stay on top of my loans ( we took out a new loan every year, to help my son pay for college ). I recently discovered that Nelnet breaks up my payments each month in a way so that they only ever pay interest. Unless I specifically log in and make a manual payment every month, they will continue to do this. Even when I have logged in and made a specific payment towards a specific loan, they still apply all of the payment to the loan 's interest. The only times they have ever applied any payment to principal is when the payment was made within 120 days of the original disbursement of the loan ( which they have to do by law ). Even when payments were made within 120 days of a loan 's second disbursement, they applied it to interest instead of the loan citing that it was more than 120 days from the loan 's original disbursement date. So, even though I 've been paying on these loans for 5 years at this point, I 've hardly paid any principal off at all, as they break up every payment in such a way that it never touches the principal on any loan. I have XXXX children, and I 'd like for them all to be able to go to college, but how am I ever to get out of debt if they never apply any part of any payment I make to the principal of the loan?