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

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XX/XX/2022 {$2.00} XXXX XXXX XXXX XX/XX/2022 {$0.00} XXXX XXXX XXXX XX/XX/2022 {$0.00} XXXX XXXX XXXX {$75.00} Personal Info : Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Company constantly harasses myself and will contact my parents home phone number even though they know that I no longer live there. My parents have repeatedly told them to remove their number off their call list and they refuse to do so. I have let them know that I will contact them when I'm able to pay them
Product: Credit reporting or other personal consumer reports

Heres a brief complaint letter regarding late child support payments and incorrect balances : Subject : Dispute of Late Child Support Payments and Incorrect Balance Dear [ Child Support Agency/Office ], I am writing to formally dispute the late payment notifications and incorrect balance reflected on my child support account. I have been receiving notices that payments are late, which is not accurate, as I have made all required payments on time. Additionally, the balance due listed on my account appears to be incorrect. 

Please review my payment history and correct the errors. I request that you update the records to reflect accurate payments and balance due. I would appreciate a prompt resolution to avoid any further complications. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experian 's failure to report multiple active and legitimate credit accounts on my credit report. These accounts have not been disputed or marked as fraudulent, yet Experian has not included them in my file. 

Details of the Issue XXXX XXXX XXXX XXXX XXXX XXXX  This account is active and in good standing. 
I have made consistent payments, and my balance as of my last statement is {$140.00}. 
Despite this, Experian is not reporting this account on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is also active and has not been disputed or closed. 
My XX/XX/year>, statement confirms its open status. 
It is missing from my Experian credit report, negatively impacting my credit history. 

XXXX XXXX XXXX XXXX XXXX  This is an open and active account with a current balance of {$29.00}. 
My XX/XX/year> statement confirms its reporting with other bureaus. 
Despite regular payments and no disputes, Experian is not reporting it. 

Why This Is a Problem Experian is inaccurately reporting my credit history, which affects my credit score, utilization rate, and financial opportunities. 
If Experian had conducted a proper investigation, they would have confirmed that these accounts belong to me and are in good standing. 
I was not notified of any dispute process or investigation that led to the exclusion of these accounts.
Product: Mortgage

Wyndham Mortgage Company and XXXX XXXX  XXXX are both claiming the XXXX payment on our loan. 

The loan was transferred from Wyndham to XXXX. Wyndham sent a " goodbye '' letter saying send XX/XX/XXXX payment to them. ( We did and they have the money ). 

Later, XXXX sent a " welcome '' letter saying send the XX/XX/XXXX payment to them. 

Both companies think they are entitled to the XX/XX/XXXX payment. 

Help!!! We are stuck in the middle and now considered delinquent. 

Wyndham has the XX/XX/XXXX payment and we have sent XXXX and XXXX payments to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud Acct : XXXX XXXX XXXX XXXX Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right. 

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral! 

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank. 

Fact : EQUAL CREDIT OPPORTUNITY ACT prohibits discrimination in any aspect of a credit transaction. 

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act
Product: Checking or savings account

I opened a US Bank XXXX XXXX checking account XXXX on XX/XX/year> with a promotion that if you deposit {$25000.00} or more and maintain from day XXXX until day XXXX, you get a bonus of {$800.00}. I deposited more than {$25000.00} within 30 days of account opening and had maintained the fund. 
However some time in XXXX, US bank seems to have closed my account. Since then I have not received my fund of more than {$25000.00} back to me yet. Also, it means that I met the {$800.00} bonus requirement since 61 day since the account opening was XX/XX/year> and my more than {$25000.00} fund was kept at US Bank past that date until even now. 
I request US bank to return all of my fund as soon as possible and also provide me the {$800.00} bonus as advertised and promised when the account was opened with the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that a proper investigation into an issue on my credit report was done according to the FCRA. Still, I know they needed to follow proper protocol and investigate the legitimacy of the fraudulent accounts listed on my consumer report. This process has been extremely stressful and has caused me to be discriminated against when applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step.

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly.

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account.

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove.

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account.

I know that mistakes happen but it should not happen at my credit 's expense.
Product: Debt collection

XXXX XXXX XXXX XXXX claims I owe on an old XXXX account. The account in question does not exist. They have my full ssn and are threatening to report to XXXX tonruin my credit. They call daily and harass me.
Product: Money transfer, virtual currency, or money service

I have been blacklisted on XXXX, a cryptocurrency exchange, for trying to use my debit card to make a purchase. Wells Fargo, for whatever reason, flagged my activity on the site as fraudulent behavior and rejected my purchase. Now my card is blacklisted on the site. This would not be as big of an issue if XXXX was n't one of the only legal US cryptocurrency exchanges. XXXX is doing their job and keeping their customers best interests in mind to protect them from scammers. Wells Fargo is acting outside of their domain and interfering with legal personal activities in which they do not have the right or jurisdiction to do so.
Product: Credit reporting or other personal consumer reports

I paid off my loan about two months ago. They refuse to update my credit record, The payoff amount was over XXXX XXXX dollars. I have documentation from my credit union. 

XXXX XXXX XXXX XXXX XXXX. They are scamming XXXX XXXX  I need help.
Product: Credit reporting or other personal consumer reports

World Finance Continues on a monthly basis to report Non Payment for a debt that was sold to a debt collector. Attached are Credit Report Mark ups showing the reported missed payments to the credit bureaus after sale of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All addresses on my report should be removed except for 2
Product: Vehicle loan or lease

I have three auto loans with CARMAX AUTO FINANCE : ACCT # XXXX, ACCT # XXXX and ACCT # XXXX. 

CARMAX AUTO FINANCE is in violation of the FCRA and XXXX Compliance and reporting violation.15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions the consumer and the person making the report ; or experiences between On XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report. 

On XX/XX/XXXX & XX/XX/XXXX CARMAX AUTO FINANCE reported transactions from account XXXX to my consumer report I submitted a written dispute regarding this on XX/XX/XXXX via USPS CERTIFIED MAIL TRACKING NUMBER # XXXX TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX and have not received a response or an update on my consumer file. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports Under 15 USC 1666b ( a ) ( 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.
Product: Credit card or prepaid card

I decided to pay off my XXXX Capital One card. My automatic payment was due at the time I also sent the final payment. The final payment was for XXXX XXXX The payments both posted on XX/XX/2021 from my bank account before the due date as I requested. The mistake I unwittingly made was to also close the account. Apparently if you close your account and pay it off just before, they take your money but wont give you credit for it. Therefore, Im notified of my account I just paid over XXXX on is somehow delinquent.. even with the automatic payment posted. When I call Im assuaged with, dont worry, this is a known problem in a couple days call back to see if its resolved. This isnt reassuring. Im told that I must once again jump threw the hoops of their automated system in order to talk to a competent representative. That I can in fact NOT count on them to do me the courtesy of calling back or emailing me. But I concede and call back in a couple days to have to explain the entire debacle again to a heavily accented young man who starts asking for my banking information and wants me to fax my bank statement in as proof I paid the bill even though he can see that I did as he told ME the amount I had paid. I then requested to speak to a supervisor. She was more clear, but seemingly confused and unable to fix the problem herself as well. I had to send in screenshots of my posted payments and I was told I would receive a provisional payment and that my credit report would be corrected. None of this has happened. I am advised by my financial advisors that I can seek legal counsel as this is definitely grounds for a lawsuit. It is XX/XX/XXXX, and I will call them again tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint against XXXX  and Experian concerning the inaccurate reporting of XXXXXXXX. This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXXXXXX  has failed to response to my dispute. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Mortgage

I am trying to refinance my first mortgage and the title examiner found a security deed on my title to a company I know nothing about. Supposedly I took out a {$48000.00} second mortgage on XX/XX/XXXX between myself and XXXX XXXX XXXX, XXXX. They are no longer in business, also the attorney who did the transaction XXXX, XXXX, and XXXX are no longer in business. There was another transfer of deed from XXXX XXXX to XXXX  for XXXX  XXXX  XXXX done on XX/XX/XXXX but their MERS is inactive so is the contact phone number XXXX. My current closing attorney, my loan officer, and myself have gone to their website XXXX XXXX XXXX which is only one page and all you can do it enter your name and email for them to contact you back. No one has contacted any of us even after repeatedly requesting information over the past month. Again this is not a debt I ever signed for, there is no reference to it on my credit report and I would never have known about it had I not tried to refinance my current mortgage so I need guidance on how to get it removed from the title of my home.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

The credit bureaus TransUnion, and XXXX are reporting XXXX  on my credit report attributing the information to the XXXX XXXX  XXXX. The XXXX XXXX XXXX verified that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning XXXX. 

TransUnion and XXXX are falsely reporting this information on my credit report and has not yet removed it. The United States XXXX  XXXX does not have authority over credit reporting agencies and does not report to any of them. XXXX  petitions and case dockets are considered public records. 

The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting XXXX cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this XXXX  shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? 
I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the credit bureaus shut down the request as frivolous. XXXX continues to report incorrect balances as of today XX/XX/23 they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. Please help!!