23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a formal complaint that I am reporting inaccurate and incomplete credit information. 

I opened a Citi Bank Mastercard in XXXX while I was young. I maxed out my card and was in debt with this for years and interest fees kept accruing. I paid well over $ XXXX for a {$2500.00} limit card. After this difficult time, the card was charged off later in XXXX. After communicating with Citibank, I was offered to pay off the entire amount of the card for the debt to be closed and removed from my credit report. 

I paid Citi Bank for the ENTIRE debt and the account remains on my credit report today. Citi Bank is reporting over 7 months of missed payments in a row, causing major harm to my credit reports ... AFTER the card was completely paid off. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
This information needs to be re-investigated. I respectfully request to be provided proof of this account, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX : {$2900.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$880.00}.
Product: Checking or savings account

On XX/XX/XXXX I received a text inquiring if I made or authorized a {$550.00} expenditure at XXXX XXXX  It looked like notification from the bank ( Wells Fargo ( WF ) ). I responded no. A few minutes later I received another text thanking me for the response and an agent will contact me in a few minutes. I received a call, verifying first/last name, last 4 digits of SSN, etc. The " agent '' very reassuring asked to verify last 3 purchases and ending balance after transaction. " Agent '' stated verifying Account to close and open new account. Transaction handled through XXXX for {$500.00}. I was at work, I'm a nurse and did not have time to go to a branch to withdraw/transfer. Arrangements were confirmed to to transfer via ATM after work. 
I did pull out {$2000.00} dollars out of my account so it could be closed and deposited into new checking account. Which I was told I would receive I would receive an email with new account info. They walked me through how to convert into the the phone tap payment method. They also walked me through how to change the amount of max daily withdraw from an ATM. 
I did not receive the email. I contacted the bank to follow-up the evening of the 10th after I got off work. That's when I found out there was no record of what I was describing. She did confirm the withdraw of {$2000.00}. I Filed a claim with the bank fraud dept., filed a police report, contacted the State Attorney General, and filed a claim with the FBI. 
I received notification to day from Wells Fargo regarding denying the claim. I contacted WF to find out the procedure such policy appeal/adjudication. I was told they don't have such a policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing Midwest Recovery Systems reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and as i was looking threw my credit report ; I came across a hard inquiry from XXXX XXXX for a past due bill I payed months ago .please help me get this removed from my credit report as it was resolved a long time ago. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am NOT behind in payments. 

In a matter of minutes, Mr. Cooper XXXX Nationstar XXXX took seven ( 7 ) additional, unauthorized mortgage payments via ACH from my XXXX XXXX  account effectively taking enough money to pay my mortgage until XX/XX/XXXX. I had no payments due until XX/XX/XXXX. Amount Unauthorized {$700.00} XXXX XXXX = {$4900.00} Additionally, aforementioned mortgage lender has NOT credited any of these payments to my mortgage account, which still reflects a payment due XX/XX/XXXX. 

Contacting XXXX, they are aware of the issue indicating this has happened to numerous accounts ; XXXX indicates this issue needs to be resolved with the Mortgage lender. 

Contacting the Mortgage lender, they do not answer the phone citing heavy call volume due to COVID-19. Perhaps taking 7+ unauthorized mortgage payments for numerous customers results in heavy call volume?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ga XXXX Dear XXXX, Equifax, XXXX This is a XXXX that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid off a car loan 4 years and they never sent a release of Lien letter to XXXX nor to me. After filing my complaint with the XXXX, XXXX XXXX the CEO of the credit union pulled my credit and caused my score to drop 23 points. I didn't authorize them to do so. It was done in an act of retaliation. There was no reason for them to do so. I have been working with a credit repair company an I explained that to Mr. XXXX. On or around XX/XX/XXXX, I checked my credit report and found that XXXX XXXX XXXX XXXX had pulled my credit report without authorization from me to do so. I didn't apply for any type of loan. Therefore they had no right to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I reached out to a young lady on XXXX  who " runs a credit repair business. '' I've since found out it was fraud and she's been applying for credit in my name consistently since then. I've since submitted requested documents to get 4 hard inquiries removed and called in to be hung up on twice when I was supposed to be " transferred. '' Then to be told they want me to keep refiling a police report every 90 days for the same fraud case which can't be done for the state of Ohio. This is beyond ridiculous how easy it is for people to ruin your life and these credit bureaus just don't care.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Experian Information Solutions , Inc . 
Dispute Department po box XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts ; XXXX XXXX XXXX Acct # XXXX. {$71.00} XXXX XXXX XXXX. Acct # XXXX. {$690.00} XXXX XXXX. Acct # XXXX. {$700.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Mortgage

XX/XX/XXXX We completed a refinance with Wells Fargo. We authorized an ACH debit for our new Mortgage in the amount of {$2100.00} from our XXXX account, monthly. In XX/XX/XXXX we discovered that another mortgage which was not ours in the amount of {$1400.00} was also being deducted from our account and had been for the previous 3 months. We informed Wells Fargo and blocked all ACH transactions from our XXXX account to wells Fargo. After several phone calls Wells Fargo agreed there had been a mistake and transferred the money ( 3 months {$4300.00} ) back into our XXXX account. They also made an additional transfer of {$1400.00} into that account, which we informed them of and have not heard back as to how they would like those funds returned. On XX/XX/XXXX we made a payment in person for our mortgage of {$2100.00} by check from another bank. Written on the check is the mortgage account #, check cleared the same day and posted to our mortgage account. XX/XX/XXXX we again made payment in person, in cash and have the receipt posted to our account on XX/XX/XXXX. Starting XX/XX/XXXX my wife begin getting calls that our Mortgage was late and had not been paid. After going on line to look at our account I find a line dated XX/XX/XXXX " PMT Reversal '' in the amount of {$2100.00}. At this point I have spent about 4 hours calling and waiting for Wells Fargo, who can not seem to explain how a payment was reversed or where it was reversed to. I am deeply frustrated, lack faith in their accounting and feel that blatant theft and wire fraud has occurred. My Mortgage is late, this may affect our credit, and I have all receipts to show payments were made in full on time. Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX PLEASE REMOVE THESE ACCOUNTS PER 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX XXXX EQUIFAX XXXX ( XXXX ) I SENT EQUIFAX a AFFIDAVIT RECEIVED on XXXX CERTIFIED MAIL # XXXX outlining how your company violated my rights as a consumer under 15 USC 1681. The subsections you violated are as follows : 1.15 USC 1681- ( a ) ( 1 ) 2.15 USC 1681- ( a ) ( 2 ) 3.15 USC 1681-a ( 3 ) 4.15 USC 1681-a ( 4 ) 5.15 USC 1681b. ( 2 ) 6. 15 USC 1681a ( d ) ( 2 ) ( A ) ( j ) - 7. 15 USC 1681a ( d ) ( 2 ) ( A ) ( ili ) - 8. 15 USC 1681a ( B ) - I have attached the letter that I sent you before with this letter, I even attached a copy of the certified mail receipt that 1 used to mail it. EQUIFAX responded on ( XXXX ) alleging that the accounts ) in reference were verified. Now I am exercising my right under 15 168li ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 USC 168la ( e ) I want to know exactly who you spoke with, and the method
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$19000.00} ; XXXX XXXXXXXX XXXX XXXX {$4800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$740.00}
Product: Credit reporting or other personal consumer reports

I have been on mortgage forbearance with Freedom mortgage regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting Freedom almost weekly checking in on this for over a year. 

Freedom recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( VASP ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Product: Credit card

Discover has an offer where you refer a friend and they give you a {$50.00} reward if the friend sings up. I referred a friend who got accepted but i never received the reward. On contacting the customer service i was told there was some error in the prior statement as i had received XXXX rewards which was then deducted from my current statement rewards without specifying it in the statement. On further questioning, they did failed to show me how much of error was present my previous statement.
Product: Credit reporting or other personal consumer reports

My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with XXXX and Credit Karma. In addition, her name and previous addresses come up using my social security number as well which prevents other 3rd party companies from verifying my address, identity, income, etc. 

Most recently, on XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and XXXX that provided the insurance company with my sisters driving history instead of mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX put me on a payment plan option to help make payments without late fees. I made 3 payments between XXXX and XXXX. They reported me as 30 days past due.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE XXXX XXXX XXXX XXXX FOLLOWING ACCOUNTS, XXXX XXXX # XXXX XXXX Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
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 : XXXX 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 the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XX/XX/XXXXOriginal Creditor : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXX/XX/XXXXXXXX XXXX : {$2800.00} XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.