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

I have followed all of the steps to dispute inaccurate information on my reports. My identity has been stolen. Everytime something new happens I update my FTC and the credit bureaus. The credit bureaus keep allowing fraudulent information on my credit reports. I disputed information with Experian about collections that were not mine. The company XXXX XXXX XXXX just last year was reporting I had debt at XXXX apts in XXXX different states I finally had that removed because it was fraudulent now they have put even worst information stating I owe an XXXX {$100000.00} XXXX disputed the information Experian says its accurate even though it isnt. I sent them my police report and my updated XXXX report but they refuse to remove the information. Also last year XXXX XXXX was reporting fraudulent information from XXXX it was removed but now they have allowed XXXX to report the same exact fraudulent information that was removed. I literally dont even use credit the last thing Ive gotten in my name was my car. They have allowed so many fraudulent accounts on my credit reports its ridiculous and depressing. I have reached out to the social security administration to change my social security number thats how dire this is for me They told me to continue to dispute the information I have and I get nowhere. There is information on my credit report from my ex husband I gave the credit bureaus all the information and they still refused to remove the inaccurate information. At XXXX point I had wrong social security numbers attached to my credit report also names and addresses that were not mine yet the credit bureaus wont remove the inaccurate information. This situation is ruining my life, my credit and physical well being
Product: Credit reporting

I tried to contact or submit a complaint as I have been trying to find out why my credit report from Equifax is being denied -- as it says there is no information about me. 

All other XXXX entities like XXXX and XXXX i am able to pull my credit reports, but no Equifax. 
I have trying to contact, but to not avail and their support just keeps saying i need to buy a subscription to be able to see my credit. ( how can I do that when I not even able to pull my credit from the XXXX ) Just no sense, I just would like to check what the issue and correct it so my credit checks dont keep getting rejected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the credit reporting practices of Self Inc. and to report the impact of financial hardship due to XXXX on my ability to maintain one of my accounts in good standing.

Details of the Dispute : 1. Account Ownership : I opened one account with Self Inc. and initially maintained it in good standing. However, due to financial hardship caused by the XXXX pandemic, I was unable to continue making timely payments on this account. 
XXXX. XXXX Financial Hardship : The pandemic severely affected my financial situation, leading to missed payments on this account. Despite my efforts to communicate with Self Inc. regarding my situation, the account has been reported negatively on my credit report. 
3. Unauthorized Account : with balance of XXXX thats was open around XXXX of XXXX In addition to the account I opened, I have discovered that a second account has been reported under my name by Self Inc., which I did not authorize, open, or have any knowledge of. This is a potential case of fraud.

Ive only open one account which is a credit builder that I open in XXXX of XXXX this is the only account Ive open with self. 

Impact on Credit : The negative reporting of the first account, combined with the unauthorized second account, has significantly impacted my credit score. 
I am concerned about the long-term effects on my creditworthiness and the difficulties this may cause in securing future credit. 

Request for Resolution : Consideration of XXXX Hardship : I request that Self Inc. and the credit bureaus consider my financial hardship during the XXXX pandemic and make appropriate adjustments to the reporting of my first account. This may include reporting the account as affected by natural or declared disaster or adjusting the payment history to reflect the extenuating circumstances. 
Investigation of Unauthorized Account : I also request that the CFPB initiate an investigation into the unauthorized second account reported by Self Inc. and ensure its removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting

I applied for a mortgage and Equifax sold my information to another mortgage company which called me to solicit my business. He told me my credit was good and he could help me get a better rate. I explained I was happy with my broker but he was persistent. I finally got him off the phone by having him email me his information. I never gave Equifax approval to sell my information to anyone. Is this legal?
Product: Money transfer, virtual currency, or money service

Not sure what date and year but in years XXXX thru XXXX my cash app got hacked and was linked to my checking account and money was taking from my checking account that I didn't approve and cash app did an investigation on it and said they had no wrong so lost from XXXX to XXXX XXXX dollars out of my account
Product: Credit reporting or other personal consumer reports

Experian and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian to report late payments on the XXXX  Account # : XXXX, in line with U.S. Code 1666b. XXXX  NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Product: Credit reporting or other personal consumer reports

This loan was not signed by my signature was forged by my ex wife I never agreed to this loan
Product: Debt collection

Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} The company did not send the collection to the actual address on file but instead seemed to have performed a search based on the name and sent the bill to me. This company does not perform its due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on all three of my credit reports ( Equifax, XXXX, and XXXX ) which I have disputed with XXXX XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to Equifax, XXXX, and XXXX to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Product: Mortgage

To Whom It May Concern : I have had correspondence with Wells Fargo over several letters and phone calls regarding account # # # # # # # # and the illegality of the foreclosure that occurred in XXXX. Again, this foreclosure was preventable, but Wells Fargo did everything in their power to make it unavoidable. The latest correspondence from Wells Fargo indicates that they offered a viable solution for us to stay in our home, but this is simply not true. The only modification we were offered on our home mortgage was for a temporary modification of $ XXXX/mo reduction of our mortgage. This was not a sustainable option and was only temporary. 

When we called Wells Fargo originally to discuss modification options, we were told we should not pay any amount of our mortgage in order to qualify for the HAMP modification. We were told to send many different sets of paperwork to Wells Fargo via fax. We sent all this paperwork in several times over and told almost every time that the paperwork was not received or was lost. Departments did not communicate with each other, so one person would not know what the last person had said or seen from us. We even sent things via mail because we were told so many times the faxes were not received or lost. We were told that Wells Fargo Home Mortgage could not communicate with Wells Fargo Home Equity so a combined decision on a loan modification was  impossible. 

Most recently, in the last letter received, Wells Fargo Home Mortgage indicated that the home equity loan was written off in XXXX. Unfortunately, we were not informed of this and continued to receive bills by mail for this loan. If we had known we could have only paid the home mortgage loan we could have afforded to stay in our home. 

Additionally, we qualified for a HAMP loan modification, but recently were told by Wells Fargo that they did not receive the required paperwork for this modification. We did send any and all paperwork we were asked to fill out and send because we were eager to stay in our home. We are so dismayed at the deceitful actions taken by Wells Fargo and have experienced a windfall of negative consequences due to this foreclosure that was preventable, but was forced upon us by Wells Fargos inability or their unwillingness to help our family stay in the home. 

Wells Fargo refuses to admit negligence in this matter and continues to ask us to provide evidence. Wells Fargo has evidence in their recorded calls and correspondence with us regarding the way they handled the matter. Faxes were lost, we were not informed in a timely manner, they did not want to help us stay in our home because we were paying Private Mortgage Insurance which  protected them from consequences of foreclosure, yet did not protect us as the homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXXXXXX XXXX Account : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXXXXXX university was removed, ergo it stays that way. 
.
Product: Payday loan, title loan, personal loan, or advance loan

I have called Upstart XXXX  times in the last few weeks to discuss my account as it was going to be paid late in XXXX due to my mother in law having been in the hospital, rehab, and skilled XXXX facility and me being responsible to assist in her care and costs for the next several months. The representative indicates each time I call that she can not assist me and I need to speak to someone in settlements. They place me on hold between XXXX minutes and XXXX minutes and come back on the line to let me know that they have no one available to take my call. They recommended I call at different times of the day which I have done with the same exact result of not being able to talk to anyone. They tell me they have submitted a request for a callback and I have never received a call back at this point. My original loan with Upstart began XX/XX/year> in the amount of {$40000.00}. I have made payments totaling {$26000.00}, which they show on their end as only {$5000.00} going to principal? As I can not get access to anyone to discuss my account after multiple attempts I don't know what else to do at this point. I did tell the representative last evening that I was going to contact the CFPB as Upstart is seemingly unavailable and refuses to respond after my XXXX attempts.
Product: Checking or savings account

XX/XX/XXXX Received welcome email from chime XX/XX/XXXX Come closed that account after I went through their " this isn't me '' thing on their website, as prompted to do by their customer service rep if I recall correctly. I did call them and ask what information they had on me and how they obtained it and they did not reply to that verbal request over the phone and closed the account instead. 
XX/XX/XXXX Chime emails me a sweepstakes they are offering to new members XX/XX/XXXX Chime sends me and email stating my account is still waiting. 

Please help me. 

This is XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. 
XXXX XXXX unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Product: Debt collection

I am writing to file a complaint against Bull City Financial Solutions , Inc. for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance for the 2nd time in addressing these issues and taking appropriate action against Bull City Financial Solutions , Inc. : Bull City Financial Solutions , Inc. has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I have requested numerous of times that Bull City Financial Solutions, Inc. provide me with the completed original contract, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, Bull City Financial Solutions , Inc. to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that Bull City Financial Solutions , Inc. ceases reporting this disputed information to any third parties immediately Bull City Financial Solutions , Inc. has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Bull City Financial Solutions, Inc. provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Bull City Financial Solutions , Inc . If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Bull City Financial Solutions , Inc. cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that Bull City Financial Solutions , Inc. have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Bull City Financial Solutions , Inc.. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. 


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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX  XXXX Furthermore XXXX both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE DISCOVER. 

REQUEST= MAKE XXXX XXXX TRANSUNION AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Product: Credit reporting, credit repair services, 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 - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$70.00} XX/XX/XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Sent dispute audits on XXXX XXXX XXXX. Credit Reporting Agency did not provide what was asked for and repeatedly sent stall tactic letters as responses of collection company verifying account without verification or validation being provided. collection company still in this over a year of attempting to resolve directly has not provided what is needed to continue to actively report. credit reporting agency did not receive any true validation or copy of such.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 months that are reported 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 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