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

I have a loan with NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not have the information from this creditor 100 % accurate and yet it is still be reported on my report. I have reported this to them plenty of times but they have yet to delete this off my credit report. Things inaccurate on from the creditor includes : address on documentation does not have same address as credit report, amount owed are different from documentation from credit report, along with balance, and other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts and 2 inquiries on my credit report that do not belong to me I need these removed from my credit report asap Experian is doing nothing about this and the furnishers dont care who opens up what under whos name as long as they get paid I am sick of dealing with this I need this removed asap!!!! 

XXXX XXXX XXXX  - Acct XXXX Amount {$170.00} opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amount {$14000.00} opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amount {$600.00} Opened XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX - Inquiry Date XX/XX/XXXX XXXX XXXX  - Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}
Product: Credit card or prepaid card

My Amazon account has affected my credit, because there was a {$25.00} balance on it for 3 months and I did not know about. I was not receiving statements. I learned about this when I received a call that I was late on payments. I paid this and extra because I did not know what other fees they would attach, including any annual membership fees. At this point, I have a credit balance on my account. 
I have called Chase credit card company twice to close this account. They say they will close it, but I keep getting statements in the mail. I do not want the card, and no longer want to pay any of their fees.
Product: Debt collection

On XX/XX/2023 Sequium Asset Solution has flagged my collections for {$2300.00}. I have no knowledge of this debt or where it comes from. I never gave sequium asset solution my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt .Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.
Product: Vehicle loan or lease

We financed a XXXX XXXX XXXX in XX/XX/XXXX. The loan was for XXXX. We stopped receiving notifications for payment. When we complained the issue was not resolved. They called and demanded the entire balance of the loan which is XXXX. When we tried to make arrangements to pay late payments we were not given the opportunity to do so. We were told either pay it in full or the vehicle would be repossessed.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 1

5 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit rep
orts directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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
Product: Mortgage

I 've had a mortgage with Ocwen for the past number of years and had fallen behind in my payments. I was making payments but about 30-40 days late. They sent me an unsolicited modification offer that I reviewed and accepted. I followed the directions ; sent in my trial payments ( 3 months ) and, they, then rejected the mod based on a conflict of names on the title and their loan forms ... I sent them a notarized name affidavit which they received on XXXX/XXXX/16. since then, I have been getting run-around with no resolution. 

My home is the only asset that I posses and it seems that, since they returned my modified payment allegedly because the mod was denied, they are now telling me that they have no idea when this will be resolved and that I am now at 109 days in arrears. 

I am hoping that your agency can get me the approval that I need to continue staying in my home ... from all the claims that I 've read against Ocwen I believe that they are looking to get me to the point where I owe too much to catch up and they get to foreclose. I must avoid that from happening
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX : {$390.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$130.00} XXXX  XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have had repeated problems with the US Bank Platinum visa card and trying to effectuate payments. I am very upset as I am on the phone with them right now on the phone with XXXX at the call center in XXXX XXXX Kansas. When I told her I may obtain and attorney, she told me that US Bank automatically puts the word Bankruptcy with the word attorney. I am very upset as I never stated that I was going to declare bankruptcy. I explained to her that I had repeatedly tried to effectuate payments to them. I tried online and they shut me off and would not let me online. I tried over the phone and they put me on excessive hold times and would disconnect me. The system would say that I would have to speak a person and I could not get a hold of the person. I was told that one an account is a " dollar short or a day late '' than customer service can not deal with the account. I had excessive hold times and was repeatedly disconnected and actually had payments refused by the customer service representatives.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shail follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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.

Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 without my written instructions.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2021 I fell victim to scam operations run by XXXX XXXX which involved me making deposits for a total amount XXXX XXXX from my XXXX XXXX XXXX XXXX wallet accounts to Kraken at the instruction of the scammers. 
Given that their client owner of wallet :. XXXX Was an active participant in the movement of my money, which eventually ended up wth the company, Kraken have not exercised their duty to identify this suspicious scheme in a timely manner. 
Kraken should have reported this activity as it no doubt involved money laundering. 

When I sent a complaint to Kraken they would not take any action and told me to file a police report and ask law enforcement officials responsible for this investigation to contact them directly. I am therefore doing so and ask your assistance in resolve this issue. 
I am available to provide more information as needed.
Product: Credit card

PayPal opened a credit account for me without my knowledge or consent. I only knew because I got a notice from my credit monitoring service that my account had been accessed by PayPal. When I called PayPal, I was told I had opened the account by clicking on the credit button, checking off the Terms of Service box, and keying in my birthdate and last XXXX of my social security number ... none of which I 'd done. When I escalated to a supervisor, I was told " you obviously made a mistake ... perhaps you have autofill on your computer. '' It was only after the conversation that I searched the web and discovered PayPal had been charged a $ XXXX penalty and forced to pay $ XXXX in fines in XXXX for this behavior. The fraud is still going on. I am 1000 % certain I did not sign up for their credit account, which I requested they immediately close. Still, my FICO credit score has been dinged because of my inquiry to open new credit, which was done without my knowledge or permission.
Product: Mortgage

I spoke to someone about 4 weeks ago and they said I would be contacted regarding the complaint in approximately 10 days. I have not heard from anyone. 

This is regarding when I was employed by WF and was in process of getting a mortgage ( I have the loan numbers & info including an email from mortgage rep telling me to just let it go and move on ) I was about 2-3 days from signing when asked for additional XXXX in funds, loan fell through and all the funds I paid were lost, I did consult an atty and was advised I was entitled to those funds back but WF Mortgage and Mgr told me if I wanted to keep my job to not say anything and let it go even the money to the XXXX XXXX " You might as well just put this behind you and move on " Very frustrating as I am a widow and had moved to XXXX XXXX to help my Mother who was ill and passed since then. 

please have someone reach out to me @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX  XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to disputed the information on my credit report several times asking for an investigation into the matter on XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Per TransUnion they investigated the dispute RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

The account is in collections from a company I have never heard of which is XXXX XXXX XXXX XXXX which also lists XXXX XXXX  Original creditor - XXXX -called them and they confimed no knowledge of the account and also that had received numerous other calls about XXXX XXXX XXXX XXXX  - date of first call XX/XX/XXXX I do not owe this debit. TransUnions procedures in validating this information is questionable as on XX/XX/XXXX The Department of Financial Protection and Innovation -California issued a Desist and Refrain XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) is a California corporation formed on or around XX/XX/XXXX, with a last known business address at XXXX California XXXX XXXX XXXX XXXX, XXXX , California XXXX TransUnion however continues to allow this company to place this collection account onto my credit report and refuse to remove it through the dispute process. It has cost me financially and effect my ability to find housing
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my credit report, and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, that you investigate these accounts : XXXX XXXX XXXX Attached is my report that shows information not correct and not accurate. Therefore, it must be deleted immediately
Product: Debt collection

I know I owe Security Finance for a loan. I have told them I have had some financial set backs and will pay them as soon as I can. I can handle them continuously calling me but they keep calling the references on my application and harassing them. Calling them at work, when there at the doctors office over and over again and then being rude when they answer. I have told them on the phone and in writing to stop contacting my references and to not call my work again. They don't think they have to follow the rules.
Product: Credit card or prepaid card

I have not used my Capital One card for a few years. They arbitrarily decided to close my account - which is fine, but in doing so, they reported to the credit agencies that it was closed due to lack of payment - not lack of use, that the account had over 45 past due payments and the amount was settled for less than balance. I contacted Capital One to report the error - they REFUSED to correct it, said it should update with the billing cycle next month. In the meantime, it has significantly impacted my credit score.