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

Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found accounts on my report that aren't mine. I also found late payments where I was not late.
Product: Money transfer, virtual currency, or money service

To whom it XXXX concern While in XXXX XXXX XXXX  I had XXXX  almost XXXX $ in fraud from my cash app balance, square after motnhs and months and XXXX XXXX  filed complaints refunded XXXX, I'm still vehemently fighting this too no avail out of principle, I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole from me and only less than half gets fixed XXXX  months ago. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked| AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX required by XXXX U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late payments, but has failed to accurately report those late payments. I told XXXX that the account is in accurate and does not list a date of removal. XXXX stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my XXXX credit report. XXXX fails to remove it for violation of accurate reporting. I would also like Equifax to remove this account as well because the same is happening with them too.
Product: Debt collection

I would like to file a complaint against Jefferson Capital Systems , LLC a debt collection agency located in XXXX, MN. Sometime in XXXX I received a letter from them regarding a debt that I don't owe and have disputed for years. The letter asked how I wanted to respond & that I had to upto XX/XX/XXXX to dispute the debt, which I did. On XX/XX/2024 I received a notification from my credit monitoring that a new account had been reported to my credit by Jefferson Capital and I immediately called them. I voiced my concerns & asked why this debt had been reported to my Credit Report without being validated as I had sent them a letter stating I didn't owe the debt. The reps I talked to stated they had received my correspondence but it hadn't been processed yet. I asked why would they report the debt to my credit without processing my correspondence. I was transferred to a different dept. At XXXX point I asked to speak to a supervisor and was transferred to a rep outside the XXXX, only to be told the rep couldn't access my account as it was a XXXX Account & was transferred back to the XXXX person in the XXXX who I proceeded to explain what was going on & asked why this account was reported to my credit account for the fifth time. This individual again confirmed that they had received my correspondence, but it hadn't been processed yet, when I further pressed & asked why they had reported the account to credit bureaus if they hadn't processed my letter & validated the debt, he stated that they still Report the account regardless of whether XXXX says they don't owe they debt, but they report it as a disputed account. At this point I knew the company was lieing & playing games with me because if they hadn't processed my letter, how did they know the account was disputed for them to report it as such. I don't owe this debt & I would like to file a complaint against this company for not only reporting a disputed account to the credit bureaus but also for continuing to try and collect the debt on the phone after I made it clear severally that I don't owe the said debt.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Verify Disputed Account Request to Update to Current or Delete Description of Complaint : I am filing this complaint because Experian has failed to provide verification for a disputed account on my credit report. Despite multiple requests and more than the legally allotted time under the Fair Credit Reporting Act ( FCRA ), they have not provided documentation supporting the accuracy of this account. 

Account Details : Credit Bureau : Experian Creditor Name : XXXX Account Number : XXXX Details of the Dispute : I initially disputed this account with Experian on [ XX/XX/year> ] and followed up with additional requests for verification. As the FCRA requires credit bureaus to verify and maintain accurate and up-to-date information, I specifically requested proof of the account 's accuracy. However, Experian has not provided any documentation to verify the accuracy of this account or to demonstrate the method of verification. 

Requested Resolution : Since Experian has not provided sufficient proof within the given timeframe, I am requesting that : Experian updates the account to reflect its current status, or Deletes the account entirely from my credit report if verification can not be obtained. 
Thank you for assisting me with this matter and ensuring that Experian complies with FCRA regulations regarding accuracy and verification.
Product: Mortgage

Dear CFPB, This is another of a long lists of complaints that I have written to you. Your last response was that, since I had procured legal assistance, you would wait until the process was complete and wanted to hear the results. 
I am getting ripped off. My Attorney, XXXX XXXX, seems to have no argumentative strength. 
Caliber Home Loans, who purchased a fraudulent mortgage against my home from XXXX, is attempting to force that my name be kept on the fraudulent mortgage. I have been fighting against this and communicating about it for eight years and nothing has happened. 
I have to request that you come into this fray. 
My husband stole {$600000.00} from me, he says because of a XXXX, and I am trying to keep my home. 
I have employed XXXX lawyers, have followed their advice, and here I am eight years later right where I started. Something has got to happen now! Please help!
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent account on my credit profile. According to the FDCPA 15 U.S. code 1692, debt collectors are prohibited from attempting to collect a debt that is not valid.
Product: Credit card or prepaid card

I tried closing my XXXX XXXX card with Barclaycard several months ago via chat, but was unable to. I tried again today, and was informed that I won't be able to close the account and get a refund or prorated refund of my annual fee. I was informed that I would need to wait until XX/XX/2019. I was also informed that XXXX months have passed since I paid the fee, which is completely false. The fee was assessed XX/XX/XXXX. My bill was not paid until XX/XX/XXXX. It's the beginning of XX/XX/XXXX. My fee has only covered benefits of the card for XXXX months. I haven't used this card, and I receive better benefits by flying XXXX XXXX several times per month. I do not plan to use this card, and want to close it. Barclaycard will not close my account, and will not give me back at least a prorated amount of the fee or reallocate it to a different card.
Product: Credit reporting or other personal consumer reports

This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Aqua FinanceInquiry from XX/XX/2018/XXXX Hard inquire. . . . .
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, none of the choices actually matches my problem. I checked my credit report on Experian 's website on Thursday, XXXX XX/XX/XXXX and noticed that my score had decreased by 17 points and I have no idea as to why. On XXXX XX/XX/XXXX my score was XXXX and today it's XXXX. I haven't had any late payments or anything of that sort so I sent a message via chat and spoke to XXXX unsuccessfully. He couldn't see anything besides something that happened in XXXX so that shouldn't have any affects on it. If you look at my record, you will see that my record and debt to ratio etc. is great. I'm just trying to get an understanding as to what has taken place. Being in the military, I take my credit and finances quite serious because these things affects security clearances and ultimately your career. Thanks in advance for looking into this. My ID # is XXXX V/r, Mr. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Product: Debt collection

My name is XXXX XXXX XXXX. I received a call from XXXX on this morning. She is employed at XXXX XXXX XXXX. She contacted me in reference to a debt in my husbands name, XXXX XXXX XXXX XXXX XXXX XXXX Called me on my cellphone number which is XXXX. I am curious to why she called my number instead of my husbands cellphone number. 
I was told by XXXX that my cellphone number is also associated with the loan. I contacted XXXX after receiving a debt collections letter in the mail. I explained to XXXX that XXXX and I had married and divorced on XX/XX/XXXX. XXXX and I were married on XX/XX/XXXX and we divorced later that year in XX/XX/XXXX. XXXX and I remarried on XX/XX/XXXX. XXXX and I lived apart until XX/XX/XXXX. I resided at XXXX XXXX XXXX and XXXX resided at XXXX XXXX XXXX XXXX. There were other people in and out of his home at XXXX XXXX XXXX XXXX. 
I moved in with XXXX on XX/XX/XXXX and we were remarried on XX/XX/XXXX. 
I am curious to why my cellphone number is associated with this alleged credit card account. I am always curious to why XXXX called me on this morning versus calling my husband at his cellphone number which is XXXX. 
After XXXX and I divorced in XX/XX/XXXX, I kept my married name XXXX. XXXX and I married and divorced the same year, XX/XX/XXXX. We applied for another marriage license the same year and were remarried 4 years later. I am in no way associated with this account yet the Collections Agency contacted me in reference to the account. I do not want this account to be charged against me in any way. My husband has been a victim of identity theft in the past and he alleges this is not his account. 
At the time the credit card was acquired, I was unemployed. 
XXXX and I have requested, information from XXXX credit in reference to the account. I am afraid that my name is associated with the account and it could potentially show up on my credit report. I am requesting that my name is completely removed from the account and I am requesting that XXXX XXXX XXXX never contact me again. The account has been sent to the fraud department. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Creditor : Simms Associates XXXX. XXXX XXXX XXXX DE XXXX Current Creditor : XXXX Balance : {$4300.00} Account : # Ending in XXXX Charged off : XX/XX/XXXX Origination Date : XX/XX/XXXX Charge Off Amount : {$4300.00} Total Interest Since C/O : {$0.00} Total Non-Interest/Fees Since C/O : {$0.00} Total Payments Post C/O : {$0.00} The Collections Agency will not tell me how they acquired my cellphone number. I am requesting to be held harmless and totally removed from this collection debt and I am requesting that XXXX XXXX never contact me again. My husband has requested the loan application with signature and all charges that were made on said credit card to be mailed to our home address. A friend of XXXX and her sons were living in and out of his home in XX/XX/XXXX. The Lady has a home in XXXX XXXX and she runs a transitional safe house in XXXX XXXX. My husband denies having applied for a credit card with XXXX XXXX and we are anticipating a court case.
Product: Student loan

Right now I am in the process of trying to remove private loans. 

I have provided all information, including a letter from a previous instructor. 

They received all of the information and want to request information from the instructor that wrote the letter. It has been years since the instructor wrote that letter, I do not have updated contact information for this instructor. I am not a detective and do not have the tools to investigate his whereabouts. 

I would not send a fake letter. This letter has been presented in other document requests for previous loans with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report0000 included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Debt or credit management

Midland credit management lied about serving me court papers I have never received any documents are phone calls from this debt collector I dont even know what account this belongs to. I was sued without any acknowledgment are any papers handed to me in my hand
Product: Debt collection

I took a family member to the doctors because I signed the member in to see the doctor, the collection agency states I am now liable. The family member had their own insurance and from what I understand their insurance did not cover all of the costs, which was not disclosed at the time either ( another issue entirely, but not my issue ). I am clearly a third party to this and did not sign anything saying I would pay the bill. The bill is the responsibility of the person that received treatment, not me an innocent by stander. In my opinion this is fraud. The collection agency is trying to deceive me by making a unjustifiable claim.
Product: Debt collection

I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.
Product: Credit card or prepaid card

On or about XXXX XXXX, 2017 XXXX issued a refund to a secondary account on this card, the name on that account was XXXX XXXX, in the amount of {$3800.00} with a reference number provided by XXXX of ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. 
Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. 
I believe this is an unfair treatment.
Product: Mortgage

Complainant is alleging that Wells Fargo acted not in his/her best financial interest by having him/her to agree to a second loan modification on XX/XX/XXXX, that lowered the interest rate from 7 % to 5 % but extended the FHA mortgage maturity date by another XXXX  years ( until XX/XX/XXXX ), which is not what the complainant agreed to. In fact, the Complainant does not even recall requesting a XXXX  loan modification from Wells Fargo because he/she had already completed a XXXX loan modification from Wells Fargo in XX/XX/XXXX. The terms of that loan modification had a maturity date of XX/XX/XXXX and left the original interest rate at 7 %. Complainant is alleging that the mortgage on his/her property should now be paid off, based on the XXXX  loan modification. The unpaid principal balance was {$44000.00}. That loan amount from the XXXX  modification still shows up today on my mortgage loan from XXXX. 
However, under the terms of the XXXX  loan modification, the unpaid principal balance was changed from {$44000.00} to {$51000.00}, and the maturity date was changed from XX/XX/XXXX to XXXX/XXXX/XXXX. To this day, the " revised '' unpaid principal balance was never reported as the loan amount on the Wells Fargo app that is being used to pay the mortgage on a XXXX  basis. The {$44000.00} unpaid principal amount is still showing as the " original loan amount '' on the Wells Fargo app. The bank is refusing to acknowledge that a costly mistake has been made by extending the maturity date. This mistake is causing undue financial stress on the Complainant who believes that Wells Fargo has committed FHA mortgage fraud in the processing of the XXXX  loan modification so that the customer will at some point in the future default on the loan, enabling the bank to foreclose on the property. 
Complainant has tried to work with Wells Fargo to resolve this situation, but the bank is not willing to own up to its own mistake. Complainant would have never agreed to pay a mortgage on his/her personal residence for a period of XXXX  years. The FHA mortgage originated XXXX and was assumed by the Complainant in XXXX. The maturity date on the original mortgage was supposed to be XX/XX/XXXX. However, by Wells Fargo executing the XXXX  loan modification, the bank saw fit to make more money off of the Complainant by extending the loan maturity to XX/XX/XXXX. Complainant alleges that the bank did not act in the best financial interest of the customer and was only trying to increase bank profits by offering an absurd XXXX  loan modification that clearly violates the Complainant 's consumer rights.
Product: Debt collection

I paid account ending in XXXX in full on XX/XX/year>2024. It is only being reported on one of my credit accounts and needs to be removed. This was a credit card with the company XX/XX/XXXXXXXX, it was sold to XXXX funding which Resurgent is responsible for. After contacting them they insist they are not reporting this and are confusing it with a different card that is in their services. They have even provided me a paid in full receipt, but it still continues to show up and it needs to be taken down.