23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XX/XX/2023 I am reporting a fraudulent account found in my credit report
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Took more than 30 days to verify debt- Failed to supply a contract or proof of a signed directly with this company. 

I Did not sign a contract with this company that is reporting. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with TD Bank/XXXX. While the application was declined the fraudulent related inquiry was left on her XXXX credit report XX/XX/XXXX. TD Bank/XXXX  did send a letter confirming the denial of the fraudulent application however the fraudulent inquiry remains on the credit report. A formal dispute of this information was mailed XX/XX/XXXX and received by TD Bank/XXXX however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX  XXXX  and they checked my credit numerous times I was on hold a few hours with XXXX XXXX XXXX I was not resent my approval also they mailed me over several credit decisions and XXXX XXXX ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with XXXX  please keep this private.

Also I submitted a complaint with the XXXX  against direct express Comerica Bank for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is consistently misreporting my credit score as if this is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My XXXX is XXXX but they are misreporting it. 

My XXXX is XXXX but they are misreporting it. 

This falsely lowers my Experian score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Owed : {$460.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$8600.00} XXXX XXXX XXXXXXXX Balance Owed : {$76.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$430.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$460.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a collection on my report by XXXX XXXX   XXXX and experian both deleted this on XX/XX/2017. XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.
Product: Debt collection

I applied for an apartment online. Was approved but i never signed a lease due to some unforeseen circumstances. I informed the company after approval, nothing was due to me online as the system allowed me to proceed and complete application.     They sent a letter to my previous address which i tried to resolve with the office but they could not hear any of it and sent to collection.     I responded and paid the  XXXX  application as per their website and form signed.   The collection company has further sent my account to collection.     I dont have a problem to pay but i want justice.
Product: Mortgage

I was late 3 days on a payment and as a result Wells Fargo did not apply payment to my HELOC. No attempt was made to call me until late XXXX at which point the account was past due and late fees where added. Had WELLS FARGO atempted to call me the payment of {$130.00} would have been taken care of. I deposited {$150.00} to be taken out automatically like always that check cleared my bank account on XXXX/XXXX/2016 .The overdraft fees and late fees blew my payment up over {$40.00}.
Product: Credit reporting or other personal consumer reports

The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
Product: Consumer Loan

This occurred at the Huntington Bank/XXXX, Ohio.On XX/XX/2016 I applied for a personal loan and they correctly requested a copy of my credit report on the same day from XXXX ; which is all fine.After clearing up mistakes made by the underwriting dept. at HB the loan for XXXX was finally approved. On XX/XX/2016 I received a letter from HB underwriting concerning an increase in my HB credit card limit and this is where their electronic filing system failed their underwriting department.He mentioned a possibility of needing to look at my credit report and I assumed they would look at the one HB underwriting requested just 12 days earlier on XX/XX/XXXX.They could not locate the CR requested on XX/XX/XXXX so I am being penalized with XXXX hard hits on my credit report.All banks require any credit requests be processed thru their underwriting departments. HB underwriting 's electronic filing system failed them as they already had my current credit report just 12 days old on record.I have asked HB repeatedly to send a redaction request to XXXX on the XXXX requested unnecessary credit report due to the failure of their electronic filing system to produce the credit report requested on XX/XX/XXXX. 

Why should the consumer be penalized on a request for a XXXX credit report within 12 days of each other? It was HB 's underwriting dept. who failed and still can not find the XXXX credit report requested on XX/XX/XXXX.They deferential respond was their systems are not integrated and much improvement is needed.Credit reports are full of confidential information and should be electronically filed under the applicant 's SS # .HB 's cavalier attitude about the consumer 's credit reports and their confidentiality leaves much to be desired./where is that XXXX credit report? The Banks like this have too much unbridled control over the ordinary citizen ; this is why I have reached out to the CFPB as I am done trying to work with them. 

If you can provide an e address I can send all the written messages back and forth with Huntington Bank as you see fit sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have you already tried to fix this problem with the company? 
Yes All of these inquiries are NOT Valid. Therefore I'm putting a FRAUD ALERT on my LEXIS NEXIS FILE as well as XXXX and any of the affiliated companies to Lexis Nexis. I am also putting a permanently security freeze on my data/consumer file. Lexis Nexis has been warned IN WRITING, certified letter, signature required, return receipt, that they are NOT to share my information with anyone, I'm information is NOT for sale nor for Free. I prohibit Lexis Nexis from sharing my personal information. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXAll of the above were taken off of my XXXX Credit Report XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XXXX XXXX *** All of the above were taken off of my XXXX Credit Report XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Complete REMOVAL of all of these inquiries would be the ONLY fair action to take. 

Attached police report to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Multiple checking accounts where opened in my name using my SSN unlawfully This is hindering me from opening any account with any major banking institutions in the United States of America. 
I have started the process of filing a police report and reporting this to all other bureaus XXXX XXXX XXXX XXXX XXXX Did not authorize the use of any of my personal information for any misuses
Product: Credit reporting, credit repair services, or other personal consumer reports

The agencies closed the accounts, but did not delete the accounts, per the request and previous documentation sent over. They only honored the closing.
Product: Debt collection

XXXX from extension XXXX called on XX/XX/19 to collect on a payment arrangement I have. He called my place of employment after being told I can not receive calls there he called my parents home and let the phone ring for 15 minutes straight multiple times during that day. He also called my cell phone which I gave permission to call however he disguised His number as my employers number so I would pick up during work hours. He also left messages with the same disguised number throughout the day. XXXX is unprofessional and harassing. I have had a good experience with Complete credit solutions inc up to this point. XXXX has always been helpful however XXXX does not represent the company in a good light and should possibly choose another career path.
Product: Credit reporting or other personal consumer reports

Unreleased title after promising to turn over title with settlement agreement. Its been over 30 days. 35 days to be exact Incorrect credit reporting after filing dispute, company incorrectly reported the balance after receiving my claim to the credit bureau Contacted XXXX XXXXXX/XX/year> and they confirmed they have not received a request to release the title and are not behind on processing. These request fake no longer than 10 business days.
Product: Payday loan, title loan, or personal loan

I have sent a cease-and-desist notice on XXXX an affidavit of truth on XXXX notarized I have allowed 45 days to reply have not received any document I have requested they are unable to provided sufficient evidence that the alleged debt is owed and where the loan originated from, they have ignored my affidavit and have not responded to affidavit or invoice due XXXX as of XX/XX/17 I'm sending an notice of default and opportunity to cure if no response I have no chose but to file suit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud, theft, and copyright infringement
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have grew negligent and ignorant of their responsibility to comply with the FCRA section 605b which requires that the Credit Bureaus to remove any fraudulent accounts and information that resulted due to identity theft. I have sent a letter addressed to the Equifax and XXXX Credit Bureaus requesting to remove the disputed fraudulent information completely from my Credit Report on XX/XX/XXXX and I have been sending multiple letters before that date. Again, I was a victim of identity theft and this is another request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. By the provisions of the FCRA section 605b, I am submitting this complaint to request that the Credit Bureaus remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was charged {$12000.00} dollars for my driveway to be paved and within 4 months it started creating potholes and caving in on the sides. I contacted the contractor and they would not fix the issue. I contacted credit card company with pictures and statements and they reversed the refund and ruled against me.
Product: Mortgage

XXXX, North Carolina XX/XX/XXXX Please I need help with my only residence. I disagree with the decision modification denied. Its not fair, because I had an accident at work. Because in XX/XX/XXXX to XX/XX/XXXX, I not can work, I not have any income. My income reduce to {$0.00}. And now is impossible for me pay {$1000.00} mortgage payment per month. I start a new job in XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My health does not allow me to do more physical work. My medical condition, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX and XXXX ( XXXX sent me to the XXXX XXXX Hospital. For XXXX XXXX XXXX, and my health is jeopardized, because I could not solve my economic situation and my dream of having a home will end soon ; for this reason, I am writing this letter, asking for help in mortgage assistant ( Modification ) and lowering my monthly mortgage payments, because my salary is not enough to cover my house mortgage. I applied for NC XXXX XXXX XXXX XXXX I was denied too. I have Court on Monday XX/XX/XXXX. Please help me to review my situation as a humanitarian case. I need your help in this particular Endeavour. Please help me to save my only residence. Thank you so much for you attention and XXXX Bless you.
Product: Credit reporting or other personal consumer reports

I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax in XX/XX/XXXX. They replied saying speak with XXXX  ( lender ) which I did. XXXX submitted the correct info to the credit bureaus as XXXX updated on the same day reporting the correct info. Equifax updated certain info correctly but is still reporting false info which I have proof of. I submitted another dispute XX/XX/XXXX and Equifax replied the item being disputed has been deleted, however, it did not delete the info I disputed because I can still view this disputed info in my Equifax profile. I've contacted Equifax again by phone today and they reported that they do not see any issues that I'm speaking about. I can not file another dispute because Equifax 's promps won't allow me to proceed. Quick overview, date of my first delinquent payment was XX/XX/XXXX. Property was foreclosed and sold in XX/XX/XXXX. Equifax is reporting payments made in XXXX, XXXX and XXXX of XXXX and 120 days past due in XX/XX/XXXX. Also, the account overview shows the account to be closed but if I view account details it shows the account status as 120 days past due. Here are screenshots proving what I'm saying and a copy of the deed of sale from this property. There was not a deficiency judgment filed so PA law states as of the date of sale I have nothing more to do with this property. Please note conflicting account status and dates on the screenshots from my profile. Screenshots taken XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent information regarding removal of credit inquires off credit file. XXXX, Equifax and XXXX failed to comply of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue I am experiencing with Santander Bank regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX XXXX discharge, I contacted Santander Bank to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.