23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address that appears on my Equifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

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

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
Product: Credit reporting or other personal consumer reports

Company name is XXXX opened XXXX XX/XX/2022 this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX I initiated applying for a mortgage. My lender informed me that I had a Capital One credit card in default. After looking at the credit report I determined that this was a credit card I no longer used and had been paid off in XX/XX/2013 and never used again. The charge was for {$1.00} from a website called XXXX. I called Capital One that day and spoke with a customer service rep. He advised me this was not a reoccurring charge and he would submit a fraud report and that on the next credit cycle it would be cleared. 
On XX/XX/XXXX my lender proceeded with a final credit check only to find out the account was still showing past due and flag for fraud had been attached to the charge. I called Capital One again and spoke with another rep who advised me she would take care of things and file a complaint against the first rep I spoke with. The next day my lender informed me that I needed an actual fraud report to proceed with my mortgage. I then called Capital One a third time with my lender on the line as well. 
After 2 hours and speaking with 3 different people they initiated a fraud report. 
This fraudulent charge on my credit report had dropped my credit score over 100 points which cost me thousands of dollars in loan fees, tax payments and now I have lost the house I was buying because the seller 's were unwilling to wait any longer. I called before the next credit cycle ever ran so had they reported the fraud when I called on XX/XX/XXXX there would have been no issues. 
They tried to lie and cover up mistakes and refused to let me speak with their fraud department directly until I had been on the phone well over an hour and I threatened to file a complaint with the CFPB. 
This charge should have been flagged to begin with. This was a credit account that hadn't been used in 9 years and no new cards that had been sent out had ever been activated. They could give me no explanation as to why the fraud report wasn't filed when I called in on XX/XX/XXXX or on XX/XX/XXXX.
Product: Debt collection

The information is false and it should not be on my account I have contacted the hospital and they have no recollection of me being in the hospital on that date
Product: Mortgage

I received a credit alert via e-mail at XXXX pm CST via my XXXX Protect My ID program. I logged in and saw that BMO was reporting my account delinquent. I called XXXX at XXXX XXXX XXXX  to inquire about it, but that phone kept asking for my phone number and PIN but never led to an actual person. I then called XXXX and ended up talking to XXXX. 

He explained the XX/XX/XXXX payment was not received. Told him I sent it. He said because it was not a full payment, it was not applied. Paul admitted BMO has my mortgage payment, but BMO is refusing to apply it. During the conversation I learned my monthly payment had increased and that BMO never notified me of this. XXXX said BMO mailed me 2 notices, but when I asked him to give me the dates of the notices, he said he didn't have access to that. We went back and forth about the notices, he claiming I had received them but never producing any actual proof I had. I asked him to tell me what address BMO had sent the notices to, but he was unable to tell me either.

We were not getting anywhere, so I asked to speak to his supervisor. He put me on hold and told me his manager, XXXX, was on the phone with someone else and to give him a number XXXX could call me at. 

After my phone call with XXXX ended, I started looking at the statements online, my preferences and my paper files to try to better understand what was going on. The last paper statement I have from BMO was the one dated XX/XX/XXXX. The last escrow analysis I received from them via mail was dated XX/XX/XXXX for changes effective XX/XX/XXXX. Every year, once I receive that, I make changes to my monthly payment. However, I did not receive any escrow analysis in the mail for changes effective XX/XX/XXXX. 

I then turned my electronic version of my account with BMO. I went to the paperless statement setting to see if I could find any answers, but BMO tells me that I " don't have eligible accounts for paperless statements. '' I then checked the settings for security alerts and notifications and alerts, BMO has my current e-mail and phone numbers but never sent me an e-mail or a text about the change if payment and the so-called delinquency. I don't even get notices from BMO that a monthly statement is available. 

I then tracked down the electronic statements to see what answers I could find. It turns out that the mailing address on those documents is " XXXX XXXX XXXX XXXX, Return Mail, IL. '' Even the escrow analysis for changes effective XX/XX/XXXX doesn't even have my address!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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- ( i ) promptly delete XXXX XXXX XXXX , XXXX XXXX XXXX   , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX  , XXXX, XXXX XXXX , XXXX, XXXX   , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I was holding XXXX XXXX XXXX tokens in my Trust Wallet. I transferred said tokens to another wallet with no issue. I transferred again to the Coinbase wallet. The XXXX tokens never showed up in the wallet, although the XXXX transaction history shows the proper accounts were used for the transaction and shows successful. Coinbase was contacted through email customer support. Canned response was received saying they needed more info. Response delivered. Another canned response restating more info was needed. Same reply delivered. No action. Another 'case ' was opened after four hours of no response. Same canned responses received, similar replies sent, twice. No action. Another case opened. Same routine. No actual response or human acknowledgement from Coinbase. The value of the transfer at the time of the original transfer to Coinbase wallet was about {$60000.00}. It is now around {$120000.00} and growing. I have screen shots of values, screen shots of transactions, and most importantly the XXXX transaction hash which shows the entire transaction history. In my estimation, Coinbase either needs to pony up and give me the current value or return the XXXX XXXX tokens to my trust wallet. These tokens were sent to the Coinbase wallet, but never credited to said wallet.
Product: Payday loan, title loan, or personal loan

A number of years ago I took a payday loan out with CheckMate, on XXXX XXXX in New Mexico. I let them know one day that a payment was going to be late. After that they started a problem, they started harassing me, calling me repeatedly some times 10- 20 times non stop. When I was at work, early in the morning, and if I recall correctly, emailing me as well. 

Eventually I was forced to change my contact information, and complain to Checkmate. I also disputed their reports on my Credit. Later from what I recall the situation was resolved, and everyone was satisfied. Now all of a sudden they are reporting to my credit again wanting XXXX XXXX dollars. An amount that definitely NOT owed or correct. The creditor they have hired also appears to not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with this company back in XXXX the company is XXXX. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company XXXX to investigate.
Product: Mortgage

These involved XXXX employees from LIBERTY HOME MORTGAGE CORPORATION I was contacted by XXXX XXXX who assured me that I could get refinance with XXXX credit score, and that he need it to run just a soft credit pull from my credit ; he contacted me later by text using XXXX XXXX personal cell number, but another employee from the company called me and he assured me as well that I was going to get a refinance with XXXX credit score, but that he needed to run a soft credit. At the end it was a hard credit pull which I did not authorized because XXXX XXXX did not speak with me, he spoke with mu mother that she did not authorized him to run a hard credit pull. Theses people are liars all of them. They are deceiving people with false promises and lies
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXXXXXX Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Checking or savings account

Since Ive been banking with Capital one & working my two current jobs, Ive always received my direct deposits around XXXX XXXX faithfully.. every week and every other week. This week ; however, I havent received anything, not to mention that I have bills to pay. XX/XX/year> should have been the date that my funds were disbursed into my account. Theyre not there. I called them ( capital one ) mid Thursday afternoon which the rep told me my funds should be available by closing Thursday afternoon. Still nothing there as I type this message.
Product: Debt collection

A company identifying itself as XXXX XXXX began calling my family and me on XX/XX/XXXX for a supposed debt to XXXX XXXX for improperly closing an account in XXXX. I confirmed with XXXX XXXX ( through my accountant ) on XX/XX/XXXX and XX/XX/XXXX that there was no such debt -- past or present. XXXX XXXX not only used foul language and threatening tactics, but hung up on me several times and allegedly blocked my number. As they also threatened me with legal action and a subpoena, I called XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to request documentation of the debt, etc. My calls were not answered, nor were my messages returned.
Product: Debt collection

This is a way that in this case Wells Fargo Bank, steals property that was in a contract that has, a non assignment or conditions on assignment, clause in it. Wells Fargo Bank uses mergers as a method to steal property. I the buyer and the seller of property, signed a contract, with conditions on assignment. The conditions were, that the contract could be assigned, but only, if I signed and accepted the terms of the, new contract. So per the conditions of the contract the seller and me the buyer, we assigned it to a lender, XXXX XXXX XXXX XXXX had their agent, sign to agree with. all the conditions in the contract. Let 's say. XXXX XXXX is the first lender that signed, agreeing to all the conditions In the contract, then XXXX XXXXl, breaches the contract, when they are taken over by XXXX XXXX, XXXX XXXX ignores the contract, then XXXX is put out of business, and is taken over by Wells Fargo Bank. Wells Fargo Bank, claims, ownership of the original contract, the one breached contract, breached by XXXX. But Wells Fargo Bank, " makes a material change in the contract, and anybody that knows contract law, knows that when a " Material Change, is done to a contract, that not only, allows the other party to the contract, not to have to do anything more, but it makes the whole contract " void '' and this is the law in any state inthe United States Of America, if anybody wants more proof, one question, why would Wells Fargo Bank, file a law suit, not under the name, real party in interest, ( Wells Fargo Bank ) which is required in any court, but Wells Fargo Bank, claims they are now XXXX, but Wells Fargo Bank, files the case to take the property, Wells Fargo Bank, files the case under the name of XXXX, who not only was out of business at that time, but XXXX XXXX never had the, contract assigned to it. By this way of stealing property, nobody 's property is safe when Wells Fargo mergers with another company.
Product: Credit reporting or other personal consumer reports

According to my XXXX report, Citibank updated the remarks in XX/XX/year> to profit and loss write-off and in XX/XX/year> to canceled by grantorboth after I submitted a dispute in XX/XX/year>. These updates were made while the investigation was still pending, and no resolution had been sent to me. I didnt receive any documentation or response from Citibank until XX/XX/year>. 

These actions violate the Fair Credit Reporting Act ( FCRA ), as furnishers are not allowed to continue updating disputed accounts without marking them as disputed and completing the investigation. This has directly harmed my credit profile and delayed my ability to resolve the matter. 


I submitted an identity theft dispute via email to XXXX XXXX XXXX on XX/XX/year>, regarding a fraudulent Citibank account. Despite this, my XXXX credit report was updated with derogatory remarks on XX/XX/year>, during the pending investigation period. I did not receive any findings or written response until XX/XX/year>, when a packet postmarked XX/XX/XXXX arrived with documents dated as late as XX/XX/XXXX. 

The company reported the account as Profit and Loss Write-off and Canceled by Grantor before completing their investigation or providing findings to me. This is misleading and a potential violation under the FCRA, as the debt was disputed due to identity theft. 

Attachments provided include : Screenshot from my XXXX report showing the XX/XX/XXXX update Original dispute email dated XX/XX/year> Cover letter from XXXX XXXX XXXX dated XX/XX/year> Tracking info and envelope from the XX/XX/XXXX delivery I am requesting that the account be removed from my credit report and that the company be held accountable for updating my report during an unresolved investigation.
Product: Vehicle loan or lease

XX/XX/year> Amount : XXXX Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the repossession of my vehicle.

I asked for clarification on the reason for the repossession and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan or redeeming the vehicle, including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding vehicle repossession under state laws to ensure proper procedures were followed by the lender.

5. Followed Up : I followed up with the lender on [ insert date ] to confirm receipt of my request and to seek updates regarding the next steps.

You can adjust this to reflect the exact steps youve taken or plan to take. Let me know if youd like to refine it further!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check through hireright and they said there was a misdemeanor back in XX/XX/2000 in XXXX XXXX. I never lived in XXXX XXXX. my idenitiy has been used and I never gave permission. I am demanding that inaccurate information is removed. It is illegal to put information on my report without my permission and this is ruining my reputation. I only lived in three states.