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

During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, Experian & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX Chapter XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} EXPERIAN Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00}
Product: Credit reporting or other personal consumer reports

Please investigate this fraudulent inquiry as I did not apply for anything with this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reported this debt twice with the credit bureau and both times the company responded that they were reporting the debt correctly. The second time I submitted a copy of my bank statement showing the money was deducted from my account on XXXX XXXX, 2017 but they are still reporting unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Debt collection

this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}
Product: Mortgage

Hi I am hoping to be able to get help here, I have a mortgage account with Santander Bk Account # XXXX. I am having lots of difficulty. I make my payments on time all the time. I am unsure if Santander is misallocating the funds or they are not providing accurate amounts. They also keep changing the amounts. I keep making payments and we keep having issues. When I call there seems no-one to speak to. I am hoping you can help me out.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/year> ( XXXX ) XXXX Credit collection serv XXXX, md XXXX Dear collection agency representatives I am writing to request validation of the debt you are attempting to collect from me. 
Pursuant to the fair credit debt collection practices act ( fDCPA ) 15 u.s.c. 1692g I am requesting that you provide me with the following information to validate this debt The amount of debt Name and address of original creditor The date of the last payment The date of the default A copy of the original contract or agreement A detailed accounting of all fees and interest added to the debt Proof that the statute of limitations has not expired If you cant provide all information please remove from all 3 credit bureaus
Product: Credit card

I am asking for your assistance in reviewing accounts from companies inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, which they agreed to, yet they continue to report them. Ive reached out for updates but havent received any response, making this my last option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please make action on this matter ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt is 10 years old & was part of id theft. i have disputed this with all XXXX credit agencies. Thank you for helping me
Product: Vehicle loan or lease

In XX/XX/XXXX, I went into the dealership to see about a XXXX XXXX. However, me being a new buyer, I didnt have the proper credit score to get the vehicle I wanted. My credit score was ran numerous times where I was approved for a XXXX XXXX XXXX and I was pressured to buy it by the dealership. The paperwork was fraudulent. They lied about my income amount and I was faced with a very high car payment monthly. After a day, I tried to contact my salesperson to return the suv and she was nowhere to be found. Not only was the sale fraudulent, I was sold a lemon. It isnt even drivable. Numerous mechanic work still didnt fix the issues ; codes were just cleared.
Product: Credit reporting or other personal consumer reports

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT : XXXX XXXX XXXX XXXX XXXX SHOWING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT IS A CHARGED OFF AND SHOWS STATUS AS OPEN WHEN IT SUPPOSSED TO BE CLOSED ACCOUNT, INFIRMATION IS INACCURATE n according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION XXXX CREDIT REPORT INFORMATION HAS TO BE ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax on XXXX XXXX, 2017 and received proof of delivery showing they received the letter on XXXX XXXX. The FCRA requires them to respond within 30 days. As of XXXX XXXX I had not received any response so a telephone them and got stonewalled. Identical letters were sent to XXXX and XXXX the same day. XXXX provided an appropriate response within a week or so. When XXXX failed to respond within the 30 days required by law I telephoned them and they handled the issue immediately. Equifax has refused to respond and was rude and deceptive when I tried to talk with them about my dispute, claiming their actions were exempt from the requirements of the FCRA. I want Equifax held accountable for complying with the FCRA! Attached is a copy of my letter to Equifax, dated XXXX XXXX, 2017. I can provide a copy of the U.S. Post Office proof of delivery on XXXX XXXX 2017.
Product: Credit card or prepaid card

Bank of America closed my debit card and blocked funds received for my unemployment from transferring to my bank. Contacted the bank for 4 days no one can explain what the issue is and my money is still on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did Not Give any consent To Open These Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, These two mortgage companies reported false information on my credit reports.

PNC MORTGAGE and XXXX XXXX XXXX.

I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax  ; XXXX and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

XX/XX/2023 I received a notification from XXXX saying I owe an apartment building {$13000.00}. Ive never even lived in this apartment, I filled out an application and was denied so Im confused at how I owe any money and have an eviction on my name when I have proof I lived at a different residence. Ive sent a debt validation and a 609 letter requesting a physical copy of me signing a lease and never received nothing. Ive been asking them to remove this debt since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Experian Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX 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

I was charged {$2.00} fee for a statement. The customer service representive would not waive this fee. I did not authorize this fee to be charged to my account. This fee is ridiculous and should be outlawed. Any customer that has a credit card should not have to pay a fee to receive a statement. The credit card company makes enough profit on interest to send statements at no charge. I know of no other credit card company that charges a fee for a statement. This complaint should be forwarded to the department of justice. for further investigation into this unlawful activity.
Product: Credit card or prepaid card

I had a Capital One credit card that I had as a teenager, maxed it out, and never payed it off. Now as an adult, I wanted to right that wrong. I called Capital One on XX/XX/2020 to pay in full. After giving a representative my debit card info and ending the call, I checked to see that the charge went through. The card was finally paid off. Learning that Pay For Delete is not a helpful practice, to I started disputes with the credit bureaus to have the overdue amount removed. Now today, XX/XX/2020, through XXXX dispute, they have not deleted what I paid in full, and continues to hurt my credit scores.
Product: Checking or savings account

On XX/XX/XXXX Barclay withdraw {$110.00} from my checking account. they had done a electronic transfer. Barclay scanning must have mistakly inverted two numbers, for it to be taken out of my account. the two numbers can be obtained from my bank. This was for a XXXX XXXX Visa credit card transaction. I contact Barclay on XX/XX/XXXX and was told its a XXXX Banking  situation since it was as Visa account. This wasnt accurate since Barclay took over XXXX XXXX on XX/XX/XXXX. This was Barclay first misguiding of me on solving the situation which has never been resolved. 
XX/XX/XXXX Called back and talked with a XXXX and was transferred to the Fraud dept. They kept looking for an account. Could not find one, do to me not having an account with XXXX XXXX or Barclay. Which i mention many times. 
they did find an XXXX XXXX account which was closed in XXXX. I was working with a lady name " XXXX '' I also had my bank involved with a three way converation. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX # XXXX XXXX. 
XXXX did a verification to make sure nothing was owed on the XXXX  XXXX account closed in XXXX, she used a text look up. i have the text code XXXX informed me and XXXX from my bank this would be refunded and only the paper work needed to be proceed. I would receive notice by email or a call. 
XX/XX/XXXX Had not heard anything, so i called Barclay to find out statues. I was informed there would be no refund given to me. I asked to talk to a manager and was informed no one was available. I was willing to wait until a manager was available. I was told no one would be for the remainder of the day and would have to wait for a call back. 
XX/XX/XXXX Called back after 24 hour waiting period. Talked with XXXX XXXX I was informed my concern was Red Flagged. and being investigated. Case ID # was given to me. 
XX/XX/XXXX was called about my case by a XXXX XXXX who made it clear she was doing me a favor. I contacted my bank and had XXXX and XXXX work on the situation. XXXX shared XXXX methods for resolving the situation. 
During this time the individual who had the XXXX XXXX account contacted XXXX informed her, His account was credit for payment and nothing was takin out of his checking account. This person also called Barclay and was told dont worry about it. its the other person situation. I am the other person. 
XXXX gave us an XXXX # for this person to call back Barclay. This person called Barclay a second time and was not able to resolve the situation. 
XXXX, Barclay is either creating fraud by their standards and not willing to correct the situation. 
I would still like Barclay to refund my account for {$110.00} and have this reported in as many ways as possible for Barclay falling to correct their mistake. 
thanks
Product: Credit card or prepaid card

I financed a pool through Wells Fargo. I was told it's a credit card and I would get the card and statement in the mail. I never received a card or statement. I called Wells Fargo over 20 times in a course of a year. I was told that a statement and a new card is coming, it's on online banking so statements are on there, they couldn't verify my information, they also mailed me late notices but couldn't give me a statement or account number, the escalated complaint team assigned me a case worker that promised to fix everything. Yet nothing was ever done. The final call where I spoke to someone was that he is going to personally mail me a copy of the statement that he printed out. Then reach out to the credit department for them to remove the late payment marks on my credit because of Wells Fargo mistakes. Again that never happened. I called the agent assigned to Me probably 10 more times after that and never got a returned call. Wells Fargo put me into collections now and hurt my credit even more. I never got the card or a statement the entire time the account was opened. They promised to correct the issues but never did. I think It's very unfair that they don't give a statement or even verify an account number so I can make a payment. Then when I don't make a payment penalize me because of it. I can't make a payment without an account number. Then they hit my credit for their mistake. They even admitted it's part of the contract that I receive monthly statements but i never did. 
Is there anything I can do with this situation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Aldous & Associates. I have circled the items I dispute on the attached copy of my credit report ( s ). This item XXXX rent payment is inaccurate because at the height of the Covid 19 Pandemic late XXXX when all businesses were ordered closed, citizens were told to avoid all contact or interaction with others, XXXX XXXX XXXX was closed for classes, only on-line education was allowed. I began suffering XXXX XXXX and was under therapy from accredited XXXX XXXX XXXX XXXX XXXX in XXXX and was not able to return to XXXX as advise by school authorities, the CDC as detailed in their mandates. This egregious and fraudulent charge from this firm stated hereto goes completely against The Individuals With Disabilities Education Act of 2004 ( IDEA ) I am requesting that XXXX have the item removed. 

Enclosed are copies of Physcologist letter detailing treatment being adminiserde supporting my request. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX {$3300.00} DATE OPEN : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Credit Services XXXX XXXX XXXX XXXX MD XXXX On XX/XX/2021, Security Credit Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$370.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Product: Debt collection

Equifax this company is reporting fraudulent false information defaming my credit! The account is NOT MINE and is a result of identity theft from your breach! I never had a account with this company. Please remove!