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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I filed XXXX reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC XXXX numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : XXXX. A personal unsecured line of credit opened at AFFIRM INC under the account XXXX on XX/XX/XXXX for {$38.00} and another account from AFFIRM INC with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from AFFIRM INC under the account XXXX on XX/XX/XXXX. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at CREDIT XXXX BANK on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at XXXX OF XXXX  on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 my 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 to be updated.

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.

EQUIFAX EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports
Product: Mortgage

Greetings The Purpose of this Complaint is to inform you of the Less the Fortunate Service I Received on My home Loan # XXXX From Bank of America. I have Attached a Few of the Letter of Pre approval Letters From the Loan Officer Agent. The Loan Officer Had Me under the Assumption that I Was Pre Approved Back in XXXX XXXX After an initial Credit Check. 
Bank Statements and other documents From XXXX XXXX was Provided to the Loan Officer Never once did the Loan Officer Express an Concern about an Issue that was on my Credit until 3 month Later. After Shopping Around For a Home and Being Shown Multiple Properties From My Realtor, I Finally Decided on a Property to Purchase. This was My Potential dream House I Really Felt Good About this On Monday XXXX I Had the Power Turn on at the Property. On XXXX I was Charged {$550.00} For a Appraisal Fee and another Credit Report. 
On XXXX I was Told Verbally that an underwriter had Looked at the File and Seen Something on My Credit.I Have also Attached that To Show How that was cleared. I Do n't Really Know What is your Protocol on When initially a Person Applies For a Home Loan The Parameters that are Taken. I Feel Like Three Months of My Time Has Been Wasted and Was Living out of Boxes anticipating a Move Soon. I Have read All the Reviews that Are involving BOA and I 'm starting to Think Where is the Customer Service on Most of these Matters. I Did n't want to be Long Winded on this but These are The Facts Concerning this Matter XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 6 to 8 certified letters to Experian including my copies of utilities bill, drivers lixense, and social security card to prove my name as I name. 


I filed multiple complaints with The CFPB stating Experian requires your social security number Prior to letting processing you through the fraud or dispute person. Then says unavailable everytime. 
Then in response Experian says dispute closed, and their form response says dispute not available online I must call to speak to someone and or send in another letter with identifying proof which I have already done 8 or 9 times. 
They keep me in a round circle, my report unavaiable onlune. Mu accoint blocked They do not permit me the upload internet process, a free online report, or free access to dispute results. When I request validated proof of results it goes unanswered
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 my 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 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. 


Equifax 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: Mortgage

My mortgage was recently taken over by selene mortgage. They have not sent me any information not a welcome packet nothing. I only know about them taking over my mortgage because of ny previous lender letting me know. So I called them last week to make a payment over the phone. Which they took and immediately took my money out of my bank account but did not apply my payment to my mortgage. It's just hanging out in a suspense account that I did not authorize and I have a late payment showing. No one can help me. They won't let me talk to a supervisor they are so unprofessional and I have another payment due XX/XX/XXXX when they haven't even applied my first payment correctly. They are incompetent and should be investigated
Product: Mortgage

My prior servicers agreed that I could assume the loan to remove my ex-husband from the mortgage, but because of repeated servicing transfers, the assumption process has been delayed and I am now at risk of XXXX XXXX XXXX  unless the assumption can be completed. My ex-husband and I were originally co-borrowers, but I was awarded the house in the divorce and received a quit-claim deed. The divorce decree said I needed to remove his name from the mortgage. Following a lawsuit against my prior servicer, XXXX, which resulted in a settlement, XXXX offered that I could assume the loan to remove my ex-husband from the mortgage, which I agreed to. Before the assumption could be completed, servicing transferred to XXXX & XXXX. After much difficulty, XXXX & XXXX stated in writing in around XX/XX/2021 that I could assume the loan to remove my ex-husband, as XXXX had promised. XXXX & XXXX repeatedly dragged its feet on getting me the final paperwork to effectuate the assumption, which it assured me that the investor had approved and that I would receive shortly. Then, in XX/XX/2021, servicing transferred to Shellpoint, and XXXX & XXXX refused to speak to me anymore about the assumption. I have been unable to make headway with Shellpoint in effectuating the assumption that XXXX and XXXX XXXX XXXX had both offered me, and I am running out of time to assume the loan. If it does not happen quickly, I may end up losing my home. Shellpoint is obligated to finalize the assumption I was promised and have been approved for, and I need it to happen immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote this company a letter on XXXX XX/XX/2021 wanting all the unauthorized hard inquiries removed and received no response.
Product: Money transfer, virtual currency, or money service

XXXX has frozen my account and denied me access to my funds and provided no explanation. I have called and requested access to my funds and an explanation and have been provided neither.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I had two late payments on an account. That I was never late for the 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 accounts I have included in the screenshot inside of this complaint showing they have reported me being 120-149 days late. Please investigate and provide proof with statements showing that these late payments were late. If proof can not be provided I demand these payments be update to paid as agreed on time as they should be because I was never late. This account is also only reporting to XXXX  and not the other two credit reporting agencies, which also another inaccuracy as the information should be reported to each agency. Please see screenshot attached.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXXXXXX ) 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 my 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXXXXXX ) 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: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I paid back on my wages now feature and I only borrowed XXXX dollars after XX/XX/XXXX and today XX/XX/XXXX they took out XXXX dollars when I only borrowed XXXX and they have been doing this for almost a year now and no one is fixing the problem but Im being basically robbed as you can see from the photo attached, they have done this multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX   should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I am distressed to learn that the information included in my credit report profile is incorrect, and I believe that your organization has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that you publish. As you know, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts in my credit file ASAP.
Product: Credit reporting or other personal consumer reports

I bought a car and the dealership shotgunned my credit without my permission. The dealership has been trying to help me rectify this however, both TransUnion and XXXX are refusing to remove the unauthorized inquiries despite the dealership stating that they were in the wrong and that they ran my credit to so many lenders without my consent, without my knowledge or permission. Refusing to remove the unauthorized inquiries is a blatant violation of my consumer rights and a blatant violation of FCRA. Therefore, I demand that each bureau pay me {$1000.00} for violation of my rights and their blatant disregard of FCRA. 
I have attached correspondence with the dealership as proof that they have been helping me resolve this and that both TransUnion and XXXX have refused to cooperate ; blatantly violating rules and guidelines as well as my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.
Product: Credit card

Subject : Unfair Credit Card Fees and Practices by Capital One To Whom It May Concern : I am writing to file a formal complaint regarding my Capital One credit card account, which was closed by the company in XX/XX/year>. At the time of closure, I had a balance of just over {$200.00} on a credit card with a {$300.00} limit. Since then, I have paid {$130.00} towards this balance. However, due to excessive past-due fees, my balance remains at $ XXXX my credit limitand has not decreased despite my payments. 

Capital One has charged me a total of {$130.00} in past-due fees, and when I called customer service to resolve the issue, I was told that I was required to make monthly payments of over {$100.00}. This amount represents nearly 50 % of my credit limit, and it includes various added fees that continue to accumulate, preventing me from making any meaningful progress toward paying off the card. 

As a person currently struggling in this economy, I made a payment of {$70.00} in XXXX, which was more than I could comfortably afford. Despite this effort, I was charged another {$40.00} fee, which consumed more than half of what I paid, further burying me in debt. These fees are preventing me from paying off the card, as every payment I make is effectively wiped out by new fees. 

I believe these practices are predatory and are designed to keep customers trapped in debt. I have made sincere efforts to resolve this issue with Capital One but have been unable to do so. I am seeking the assistance of the financial bureau to review this situation and help me reach a fair resolution, as I feel I am being unfairly charged. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. 

These unauthorized inquiries have raised concerns about potential identity theft or fraudulent activity. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries promptly and provide me with a detailed explanation of their origin.
Product: Credit reporting or other personal consumer reports

account XXXX has been disputed for accuracy with nothing corrected statis of accout inaccurate balance inaccurate ownership innaccurate, nothing consistent between 3 credit bureos the bureos have a responsibility to report accuracy none of the 3 bureos are reporting accuracy and continue to break the law and do not investigate disputes and up date them as accurate
Product: Debt collection

Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness.

Upon reviewing my credit report, I discovered PORTFOLIO RECOVERY XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter. 

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

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

XXXX, Equifax, and XXXX are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


XXXX, Equifax, and XXXX falsely stated this information on my consumer file and have not deleted this information from my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.