23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Caliber Home loans, inc., is reporting to all three credit reporting agencies 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX, that I have ( 2 ) two ( 30 ) thirty day lates. This is simply not true. I pay my mortgage on line on their site within the ( 30 ) thirty day billing cycle each month. The first ( 30 ) thirty day late was reported in XX/XX/2019, when I made my payment on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 making it appear as though I was more than ( 30 ) thirty days late. The second time I paid my mortgage on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 which is still within the ( 30 ) thirty day  billing cycle. Caliber Home Loans is making a pattern of this behavior intentionally reporting erroneous information to the credit reporting agencies, damaging my credit and ability to refinance my home with Caliber or any other lender. I have written to the California state attorney general about the first incident in XX/XX/2019 and Im going to write another letter concerning this second incident in XX/XX/2019. This practice and behavior of reporting erroneous information to credit reporting agencies is damaging to me and it inhibits me from moving forward financially.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2022 and a balance of {$730.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting or other personal consumer reports

Debt collection is wrong. They need to dispute it. I have Experian. It has proven what I payed for on debt collection XXXX XXXX and also when I had XXXX XXXX XXXXXXXX in XXXX California.
Product: Checking or savings account

On XX/XX/XXXX, I received a text message from Wells Fargo ( see attached ) asking me to confirm a purchase that was made using my debit card was authorized. I confirmed the validity of the text message by signing into my checking account and verifying that an unauthorized transaction for {$430.00} was listed in my Account Summary. I replied " N '' to the text message, and Wells Fargo responded by asking me to call them. After my text reply, I noticed that the {$430.00} was immediately credited in my account. I noticed no other unauthorized activity at that time.

I called the number, and the customer service representative asked me about two additional transactions that were made immediately after the unauthorized {$430.00} transaction : 1. A tele-transfer transaction that transfered {$3200.00} from my savings account to my checking account ( attached ; note that the transaction is dated XX/XX/XXXX, but actually occurred XX/XX/XXXX. I believe the discrepancy is due to the item being moved to my new checking account ) XXXX. A {$5700.00} transaction made using my debit card for DraftKings ( attached ) I informed the representative that both of those transactions were unauthorized. 

The representative stated that it appeared my accounts were compromised and strongly recommended closing my savings and checking accounts and canceling my debit card. I agreed, and then worked with the representative to file fraud claims for the unauthorized tele-transfer and the unauthorized {$5700.00} XXXX transaction. 

I next received two letters from Wells Fargo dated XX/XX/XXXX informing me that my claims had been closed ( see attached ) : XXXX. The claim for the tele-transfer was closed because the money was moved from one of my accounts to another, and therefore no funds were actually lost during the tele-transfer transaction. 

XXXX. The claim for the {$5700.00} unauthorized XXXX transaction was closed because, according to Wells Fargo, " we have determined the transaction was authorized or that a processing error did not occur. '' It is important to note that the XXXX website is geo-blocked in the State of Idaho where I reside ( see attached screenshot from XXXX XXXX XXXX  ). I can prove that I was in Idaho on XX/XX/XXXX because I took an international flight from the XXXX XXXX ( see attached ) a couple of hours after filing the fraud claims with Wells Fargo. 

Because Wells Fargo suspected my debit card may have been comprised as a result of the initial text message I received on XX/XX/XXXX, that two additional transactions occured immediately after that unauthorized {$430.00} transaction, that Wells Fargo suspected fraud had occurred such that they strongly encouraged me to closed my accounts, and that the DraftKings website is geo-blocked in the State of Idaho, XXXX believe my fraud claim for {$5700.00} was closed in error. 

No one other than myself was authorized to use my debit card. My debit card was not lost, and my phone was in my possession at all times. 

I am asking to CFPB to discuss this matter with Wells Fargo on my behalf.
Product: Debt collection

After company sent court papers to my address. I contacted the collection agency and was given an address which I've never resided in, which my ex-husband mother lived at the address. I have since did a police report and filed charges for fraud.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : EQUIFAX XXXX XX/XX/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 XXXXXX/XX/XXXX EQUIFAX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

These accounts haven't been late since 2019. The information is inaccurate. Please remove late payments from below accounts. 
DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXXXXXX XXXX XXXX - XXXX - Is current. 
XXXX XXXXXXXXXXXX XXXX - XXXX - Is current. 
XXXX XXXXXXXX XXXX - XXXX - Is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Upon applying for a student loan in XX/XX/XXXX, I was denied due to a negative item on my credit report. I was not aware of any negative items on my report. I checked my credit report, and it showed an account for a credit card for XXXX XXXX issued by XXXX. I never applied for a XXXX  card. I never authorized anyone to apply for a XXXX credit card. The address XXXX lists on this account is an address I have not lived at since XXXX. I don't know who opened the card and stole my identity. I followed all instructions listed on Federal trade commission website and filed an identity theft report and police report. All required information was sent to XXXX XXXX XXXX XXXX on 3 different occasions. I also filed a dispute with each credit reporting agency. XXXX ignores my dispute and identity theft / police report. They keep certifying the debt as accurate to Experian. XXXX and XXXX have both removed the account from their credit reporting per the FCRA. Furthermore, XXXX XXXX XXXX XXXX has now turned this fraudulent account over to a collection agency called XXXX XXXX based out of XXXX XXXX, XXXX. This account is identity theft and identity theft report and police reports have been filed. This account needs removed from my credit report and removed from the third-party collection agency per the FCRA.
Product: Credit reporting or other personal consumer reports

I am asking all three credit bureaus to send to me a free copy of my credit report that I was not successful obtaining by phone, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. Please update this address. I no longer live in the Florida apartment rental. I have also provided a copy of my current report and profile address data.
Product: Debt collection

Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to Transworld system incXXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to trans world systems on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to trans world inc, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted Transworld inc. about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX, Experian XXXX XXXX.
Product: Checking or savings account

good morning< my name is XXXX XXXX, I'm actually trying to fix my credit and currently working with a financial institution that recommended self credit builders, I opened and account but in the website and the way they word it its a savings account witch its because its a cd but they're charging me a XXXX XXXX on my own money that I deposit, so its a cd with the bank lend money to someone else that they charge interest on but they're charging me double or triple on interest on my own money and on top of that they way they reported to the credit bureau its like I have a valance of {$510.00} with it will be the tenth of XXXX  months making a {$25.00} monthly payment. Its a shame that financial institutions take advantage of people with bad credit when literally they work with credit bureau so consumers don't have good credit because how can it be possible you make a payment of {$500.00} 0n your account and you earn XXXX points but you over spend XXXX on your credit card and automatitly drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX i made this clear for 60 days straight with XXXX 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: Money transfer, virtual currency, or money service

I have XXXX in my paypal balance that has been there for over a year but they will not allow me to transfer, receive or do anything with the balance. I just receive a message that states I can not use paypal anymore and that my my balance will be help for 180 days. It has been over twice that waiting period and I have not received an email or have access to the funds
Product: Checking or savings account

To whom it may concern, I established an account with Citi bank via phone call on XX/XX/XXXX. Date being used is listed on statement, and after trying to contact Citi via chat with no success, it is the only available date online. The representative that helped us was aware we were depositing {$15000.00} in order to claim a {$400.00} bonus Citi was running. The rep advised we had 90 days to get funds into the account in order to qualify for the bonus. Under the impression I had 90 days to fund the account, the funds went in to our account XXXX. I followed up with them to confirm our bonus in mid XXXX, and the rep said we did not qualify due to an IRS form not being signed. The rep mentioned sending out this form, and to wait 60 days in order to dispute the claim. We then called back on the XXXX, as advised by Citi rep, and find out we were given bad information at account opening, and stated she saw where the opening rep did not properly inform us. She opened a dispute, which was declined 10 business days letter. Citi has made no attempt to solve this issue, and after being given wrong info twice, they refuse to take ownership of this issue. My XXXX ha snow been with Citi for 120 days.
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting XXXX Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX a federally protected consumer. I am making a complaint against Experian, XXXX, and XXXX for committing identity theft. I never gave Experian, XXXX, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau Experian, XXXX, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b/Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- '' promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.it is XXXX XXXXXXXX account which is XXXX XXXX XXXX, it is the hard inquiries from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX
Product: Debt collection

National Credit adjusters has reported a delinquent debt of {$1500.00} on my credit report from XXXX. I have no knowledge of this account and was never informed of this being reported. I recieved zero letters about this collection, I only found out about it after checking my credit report in XXXX of XXXX. I sent a letter to the company asking for validation of this debt in XXXX of XXXX. The company never responded. It is now two years later and this remains on my report and I have no idea where this came from. This debt is not mine and I want this removed off of all my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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 reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and TransUnion in regards to incorrect items on my credit report. XXXX has violated my rights to privacy and refuse to submit Method of Verification for Bankrupcties on my credit report which was submitted to them on XXXX XXXX, 2021 along with documentation from Bankruptcy Court that they do NOT verify information to bureaus. Its been well over 30 days and I haven't received any results.
Product: Debt collection

XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
XXXXXXXX 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 i have attached the identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, a derogatory remark showed on my credit report from XXXX XXXX over an account that went to collections for {$50.00}. The account number was not mine. My account has been set to auto pay ever since it was opened and has ALWAYS had a ZERO balance. After several months of back and forth, XXXX determined the account was erroneously created by an affiliate store who was renewing my account and upgrading my phone. The balance was zeroed and the account closed. Experian refuses to remove the derogatory mark from my credit report. 

So to summarize : an account I didn't open, that wasn't mine, that I didn't get a single notice about, is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX