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

On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX XXXX XXXX at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with Check Plus Systems to make a payment. On XX/XX/XXXX, I made contact with Check Plus Systems, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called Check Plus Systems and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.
Product: Credit card

I did not received my Citibank Credit Card statement for XX/XX/XXXX resulting in them assessing a late fee of {$29.00}. I remember that I had an outstanding balance on my card and went online to check when the payment was due, I found out that the payment was due the next day. While I was online, an attendant reached out to me and asked me if I wanted to talk. I explained to the person that I did not received my monthly statement XX/XX/XXXX resulting in me not making my payment on time. the attendant reviewed my account and stated that since this will be my first late payment, he would go ahead and waive the later fee. I made the payment ( total principal outstanding ) that day via ACH and thought that that would be the end of that. However, I received an email in XX/XX/XXXX stating I now owed {$58.00} which reflect pyramid late fee. I called back to discuss my account and was told that the person who told me the late would be waived made a mistake and I would have to pay the late fee. I think I should not have been assessed any late fee in the first place because the bank did not provide me with a statement which they are required to do 21 days before the payment is due. In addition, pyramid fees is not allowed. Please advise me if I am interpreting the card act incorrectly. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure exactly when I discovered that may Equifax credit file is basically blank. Showing only one account in my history and no current accounts at all. I have requested my credit report from Equifax several times through XXXX   but always received information back that my information didn't match so I needed to send in proof. I started using XXXX  XXXX XX/XX/XXXX to start trying to figure out what was going on with my credit. I have been a victim of identity theft and wanted a way to try and monitor credit on my own without paying a cost. This is when I saw that my address of Equifax is a Texas address that I did live at but over 10 years ago. The address is showing as current. So this is the reason I believe that my credit file is blank because the address is showing Texas but I live in NC. From XX/XX/XXXX-XX/XX/XXXX I have sent documentation to Equifax but always received information back that I needed to send in the same information proving my address. I had done this several time. I got frustrated and decided just to not care and hope it would get fixed. 

XX/XX/XXXX I decided to try a different approach. This time I sent the request to update my address certified mail. I received a document from Equifax that was dated XX/XX/XXXX that my address was updated based on the documentation I provided. As of today XX/XX/XXXX my address on XXXX XXXX for Equifax still has the old Texas address. I was apart of Equifax breach and have access to free credit reports through Equifax also. My address on TrustedID Premier provided by Equifax is still showing the old Texas address. 

I emailed Equifax on XX/XX/XXXX and asked why the address had not been updated based on the letter dated XX/XX/XXXX saying it would be updated. The response was to call and speak with a representative. Calling provides me no way to document what is going on. It allows Equifax to continue to give me the runaround. 

I would like my credit report updated to show my current address not a address from over 13 years ago. This shouldn't be a process that takes years to correct.
Product: Mortgage

XXXX  XXXX XXXX sold my home equity loan to Specialized Loan Servicing, LLC. in  XX/XX/2019. My payments are scheduled and paid online thru XXXX XXXX XXXX  XXXX XXXX NC from my checking account. The payment for XX/XX/XXXX from my account at XXXX XXXX went thru successfully. My payment for XXXX was mailed back to XXXX XXXX, reporting the address was incomplete, even though the payment for the previous month went thru fine. The person I talked to indicated that the ZIP+4 was required and that is why the payment bounced. The address they gave me in their letter of XX/XX/XXXX indicated only the ZIP code. Late charges and other fees showed up on XX/XX/XXXX, and the loan was reported as over 30 days past due and the foreclosure process was started. Specialized Loan Servicing, in their letter of XX/XX/XXXX recommended that I find more affordable housing. When I called them on XX/XX/XXXX, I was advised that the fees to stop foreclosure were in excess of {$500.00}. They required a immediate debit card payment to stop foreclosure, but they said my debit card didn't work. I know my debit works, as I have used it since then. I gave them my checking account bank routing number and the checking account number. The fee had risen to over {$1100.00} yesterday. 

This feels like some sort of SCAM and I am afraid they have run this SCAM on enough people to have it down to an art form. The only way I know to escape is withdraw some of my retirement fund and pay it off. But they will probably XXXX up the cost of closing out the loan if I do that.
Product: Money transfer, virtual currency, or money service

Requested a withdrawal of XXXX from my BlockFi wallet to another wallet on XX/XX/XXXX prior to receiving an email stating that withdrawals would be paused. The request was initiated and was scheduled to go through on XX/XX/XXXX. As of XX/XX/XXXX that request is still pending.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. 

I recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.

However, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.

This has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). 


I am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, XXXX, Equifax should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX.  I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there is still account that needs s to be addressed again and corrected immediately. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report thisaccount as unconfirmed information without validating them within the legally required time range. Please update or amend the inaccurate account in my report : XXXXXXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

Purchased a used vehicle from XXXX XXXX XXXX on XXXX utilizing Wells Fargo ( XXXX ) as the loan originator. All paperwork and documentation was signed and submitted at that time through XXXX XXXX. I have repeatedly attempted to setup online auto payment only to be met with the message " Something's gone wrong '', " We couldn't process your request online. Please call us at XXXX for help. '' I have contacted that number multiple times, on multiple days, being bounced between " auto loans '' and " online banking '' with no resolution other than keep trying or go to a physical office. I was even instructed specifically by Wells Fargo to go to a physical office to request resolution and be ready to argue to have them fix it because typically they instruct you to contact the same number that appears to not be able to help. My understanding based on the multiple tickets and bouncing, they are having some type of issue utilizing my mobile number XXXX for enrollment. Oddly enough I have received unwarranted AUTOMATED calls from them on that very number as recently as today XX/XX/year> with no issues.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my Early Warning report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card

On XX/XX/year>, I reviewed my credit report and discovered several discrepancies that I believe resulted from identity theft. Unauthorized credit inquiries were made, and accounts were opened in my name without my consent. These fraudulent accounts were opened on XX/XX/year>, with charges totaling {$1200.00} across multiple retailers. Given that these actions were clearly the result of someone gaining access to my personal information, I believe this constitutes identity theft. Upon noticing the unauthorized activity, I immediately contacted the credit reporting agencies to place a fraud alert on my file and requested that they freeze my credit to prevent further fraudulent actions. Additionally, I disputed the fraudulent entries with the companies involved, providing supporting documentation to initiate their investigations. Despite my prompt actions, the fraudulent accounts remain on my credit report, and the issue has yet to be fully resolved. I request that the companies involved conduct a thorough investigation into this identity theft and remove the inaccurate information from my credit file as quickly as possible.
Product: Credit reporting or other personal consumer reports

Ive sent XXXX, XXXX, and Experian numerous letters in regards to fraud on my name and about accounts opened on me. XXXX has refused to block fraudulent items on my credit report despite my submission of : A valid FTC Identity Theft Report. 
A police report verifying the identity theft. 
A detailed list of fraudulent accounts and inquiries. 
Under FCRA 605B, XXXX is obligated to block fraudulent information upon receipt of the required documentation. Their refusal to comply has caused significant harm, including credit denials, financial loss, and reputational damage. 

Key Issues Failure to Block Fraudulent Items : Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain unblocked despite being identified as fraudulent. 
Unauthorized inquiries from financial institutions continue to appear on my credit report. 
Inadequate Investigation : XXXX claims my documentation is not valid, but I have provided sufficient evidence under FCRA guidelines. 

Harm Caused : Denial of credit opportunities. 

Emotional distress and reputational harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with Citi in arbitration over the matter. Despite this, Citi has reported my account as delinquent.
Product: Payday loan

This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.
Product: Payday loan, title loan, or personal loan

I was struggling to make the original payments on an installment loan taken out with XXXX. I called them on XXXX, XXXX XXXX to set up payment arrangements in order to retire my loan on XXXX XXXX, XXXX. They agreed to a payment plan and would allow me to pay {$50.00} once every 2 weeks for XXXX and XXXX of XXXX, and then {$100.00} once every two weeks in XXXX. Today they just charged my debit card 3 times the amount promised and authorized on my card. I did not autorize my debit card to be charged this amount. Now there is no written paper work to show proof of a payment arrangement, the only proof would be a recorded phone call, which is what they do for all of their phone calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act XXXX  Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a XXXX  victim within XXXX business days I have already provided Experian with the necessary documentation proving my status as a victim of XXXX  and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the XXXX. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file. 

This inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the XXXX. According to Section 605C, survivors do not need to provide additional evidence to prove their connection with to XXXX  beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. 

I expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the XXXX. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. 

I trust Experian will act promptly to address this matter and ensure full compliance with the law. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXXXXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX have notified me that they have communicated to you to delete 2 accounts in the amounts of {$310.00}. Yet you are still reporting them on my credit file. If these are not removed I will be definitely be forced to sue. How can you report something that even XXXXXXXX XXXX have deemed to not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with th
e Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Violations of The Fair Debt Collection Practice Act the Equal Credit Opportunity Act and The Truth in Lending Act 1968 and The Fair Credit Reporting.