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

I am identified in all credit reports as an authorized user. No knowledge of this card or being an authorized user for this company/card. Showing current and on time monthly payments but at a 96 % utilization on a XXXX limit. I am not making payments on this card. Showing XXXX Credit Report on XX/XX/XXXX, with balance due of {$240.00} and limit of a little over {$8500.00}, highest balance a little over {$4000.00} all on time payments since XX/XX/XXXX with a most recent update in XX/XX/XXXX. This took my utilization from 3 % to 99 %. 
Showing XXXX Credit Report on XX/XX/XXXX with balance due of {$24.00} and limit of a little over {$8500.00}, highest balance same a little over {$4000.00} all on time payments since XX/XX/XXXX. 
Showing Experian Credit Report on XX/XX/XXXX with balance due of {$290.00} and limit of a little over {$8500.00}, highest balance same a little over {$4000.00} all on time payments since XX/XX/XXXX Same for XXXX, XXXX, XXXX and XX/XX/XXXX Updated XX/XX/XXXX to new information below : Account updated, Showing Experian Credit Report on XX/XX/XXXX with balance due of {$10000.00} and limit of {$10000.00}, highest balance now {$10000.00} and same all on time payments since XX/XX/XXXX, most recent update XX/XX/XXXX. 

Account updated, Showing Experian Credit Report on XX/XX/XXXX with balance due of {$10000.00} and limit of {$10000.00}, highest balance now {$10000.00} and same all on time payments since XX/XX/XXXX, most recent update XX/XX/XXXX. 
Now showing XXXX Credit Report on XX/XX/XXXX with balance due of roughly {$10000.00} and limit of {$10000.00}, highest balance same of {$10000.00} all on time payments since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Incorrect Personal Information : Name : XXXX XXXX XXXX Date of Birth : XXXX Employers : EMPLOYED Employers : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive found unauthorized hard inquiries on my credit report that I did not authorize. As per 15 USC 16c-2, please remove them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, ( Your Name )
Product: Prepaid card

I purchased a " XXXX XXXX '' at XXXX yesterday and put {$460.00} on it. Both the phone number and website state that the card is active and {$460.00} is the available balance. Ive attempted to pay a bill, get snacks at a gas station ( in person ), and get food at the grocery store but all of my purchases have been declined ( and marked in the transaction history as declined ). There is no means to contact a human customer service representative on the phone number and the only problems I'm allowed to report on the website are " Unauthorized transactions '' or " incorrect balance ''. Selecting either option sends me to a dead end. There is a physical mail address on the website " XXXX '' but I have no hope in pursing that route considering there are many accounts online of the exact same thing happening to other customers. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX XXXX  : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.
Product: Debt collection

Remove this debt from my credit report XXXX XXXX and XXXX XXXX
Product: Mortgage

Fifth Third Bank has refused, without explanation to process my short sale in an attempt to force a foreclosure and cause the buyer to back out of the deal. I previously filed complaint # XXXX to which XXXX XXXX at Firth Third was assigned to the case. There was some movement and shortly after the file was closed and we are back to no action. It has been almost an entire YEAR since we started the process. I was initially told we had to process a modification first before we could start a short sale which turned out not to be true. Not that we have established its a short-sale, fifth third has not processed the documents, does not communicate when reached out to and they closed my complaint file with no resolution or even an explanation. This is clear intent to defraud and cause a foreclosure. All parties involved are expending additional funds unnecessarily. Please help.
Product: Credit reporting or other personal consumer reports

15 USC 1692 ( c ) Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting

Transunion reports this amount paced for collection by XXXX. I have never had any dealings with XXXX. This is either Fraud or and Identity problem. 
XXXX XXXX XXXXXXXX XXXX, 2015Open $ XXXX DetailsLast Reported XXXX XXXX, 2015Collection Agency XXXXOriginal Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, 2015Closed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Debt collection

I am not in debt. Portfoliorecovery continues to call me once or twice daily. I have asked them to take me off their list but calls continue. I block the call number but they call using different numbers, sometimes within my area code but also across the US. This is harassment!! Again, I am not in debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out with certified mail with tracking of the recipient to XXXX You XXXX XXXX XXXX XXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XXXX ) I am now requesting you investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified and demand these payments be updated to paid on time immediately. Thank you for your understanding and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter to the 3 bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to XXXX, XXXX and Transunion. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my credit report.
Product: Debt collection

Upon reviewing my credit reports I noticed that a collection was placed on my reports by Midland Credit Management with the original debt coming rom a company called XXXX XXXXXXXX XXXX. I have never done business with XXXX and I immediately reported Identity Theft. This is not my debt. I have attached a copy of the identity theft report.
Product: Credit reporting 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 : Acct. # XXXX XXXX XXXXXXXX : Acct. # XXXX XXXX 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 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 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 theperson knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts have an incorrect balance. All the accounts have a XXXX  balance.

1. XXXX XXXX XXXX  Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2. XXXX XXXX   Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX XXXX Reported XX/XX/201847 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported :XX/XX/2018 {$600.00} Good These account below have a incorrect balance.

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2. XXXX XXXX XXXX Last reported : XX/XX/2018{$9200.00} Good 3. XXXX  Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on.

AUTO LOANS 1. XXXX XXXX XXXX   Closed : XX/XX/2018 {$28000.00} Closed
Product: Credit card

I requested Wells Fargo to investigate and reverse a partial charge from XXXX for canceling a reservation on the same day it was made, literally within half an hour of booking, once I realized I wouldnt be able to attend. Despite this, Wells Fargo allowed XXXX to unjustly profit by charging me for a service that was never provided. I have clear evidence, including a cancellation confirmation, proving that I canceled promptly and did not receive any service. 

To summarize, while vacationing in XXXX, my wife made a hotel reservation for us. Shortly after, we realized it would require a lengthy drive, so we canceled the reservation about XXXX minutes after booking. XXXX partially refunded the payment, but I opened a dispute with Wells Fargo for the remaining {$110.00} immediately after. Wells Fargo initially credited the amount to my account and began an investigation in XX/XX/XXXX. However, on XX/XX/XXXX, Wells Fargo reversed the credit, claiming my dispute couldnt be resolved and citing information allegedly provided by XXXX. 

This decision feels deeply unfair. I acted promptly and have documentation to support my claim, yet Wells Fargo has chosen to side with XXXX, effectively allowing them to charge for a service I neither used nor benefited from. 

Today, after noticing a reapplied charge in my account and having a scripted conversation with one of their representatives, I decided to pay off the {$110.00} and close my account with Wells Fargo. This is a bank I will certainly never do business with again in my life. 

No credit card bank or entity, under any circumstances, should allow or expose their customers to predatory practices from third parties. I feel like Ive been robbed, and Wells Fargo was complicit by allowing it to happen. I did not receive any service whatsoever for the {$110.00} I was charged, and Wells Fargo 's actions enabled this unfair treatment. 

I am, in fact, interested in making this public to raise awareness and to help identify a pattern that I am almost certain is not an isolated practice. Customers deserve to know if their bank is complicit in enabling unfair and predatory business practices. As my credit card provider, Wells Fargo failed to protect me the only time I needed them, despite of me charging thousands of dollars to their card and always paying it off in full. Their response to this dispute demonstrates a complete lack of loyalty and care for their customers.
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
MB FIN SVCS XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TransUnion & EQUIFAX Subject : formal dispute regarding inaccurate information on my credit report.

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Mortgage

I have an FHA mortgage with Freedom Mortgage Corporation that was temporarily on a Covid-19 forbearance. XX/XX/2021, I called Freedom Mortgage and indicated that I wanted to remove the loan from forbearance and resume payments via an owner occupied modification. Additionally, in XX/XX/2021, I resumed my regular monthly mortgage payments and of note, I have been making my regular monthly mortgage payments, every single month since XX/XX/2021. During this XXXX call, to end my forbearance, I was told that I would receive a loan modification packet within 30 days from underwriting with new terms of my mortgage and my signature would be required to accept this offer. Unfortunately, 4 months later, I never received this packet, and my mortgage is still in forbearance and no one at Freedom Mortgage has been able to help me move my mortgage into a current status after 4 months of waiting for loan modification documents. I call weekly and I do not get any clear information and it quite frustrating and concerning to me. There so many disparities in the knowledge levels in the customer service reps and Freedom has these escalation supervisor and their ability to triage and follow-up on escalated issues is sub-par. My property is held in a land trust and I have sent in the required Land Trust Review and a certified copy of my trust agreement to show that I am the only vested owner on my deed. Can your organization please intervene, regulate, or help enforce a level of fairness and diligence in business operations and efficiencies at Freedom with this situation? This forbearance being reported on my credit report 4 months later after I indicated I am able to pay my mortgage is totally unethical and just irresponsible and there is no one accountable within the entire company to even help me. Overall, Freedom Mortgage has been a very difficult company to work with in general. I can not recommend this company at all.
Product: Debt collection

I am writing to demand that you immediately cease and desist all communication with me regarding the alleged debt you claim I owe. Additionally, I am formally requesting validation of the alleged debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
It has come to my attention that your company failed to provide a written notice of this alleged debt within five ( 5 ) days of initial contact, as required by 15 U.S.C. 1692g ( a ). Furthermore, I never provided consent for you to contact me regarding this matter. Until you provide proper verification, I dispute this debt in its entirety. 
As part of the validation process, I request the following : 1. Proof of the Original Debt : A copy of the original signed contract or agreement demonstrating that I legally owe this debt.

2. Payment History : A complete account statement from the original creditor detailing payments, interest, fees, and the calculation of the current balance.

3. Chain of Assignment : A clear and complete record of ownership, including copies of any assignment or transfer agreements showing how and when this debt was sold or transferred to your agency.

4. Legal Authority to Collect : Proof that your agency is legally authorized to collect this debt in my state, including your debt collection license number. 
Until you provide this documentation, I do not recognize or acknowledge this debt as valid. If you can not provide adequate verification, I demand that you cease all collection efforts immediately and remove any related negative information from my credit report. 
Should you fail to comply with this request or continue collection efforts without proper validation, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Pursue legal action for violations of my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing within 30 days of receipt that you will comply with this request
Product: Credit reporting or other personal consumer reports

I noticed discrepancies in my credit report regarding late payments. These errors do not align with my usual payment record. Kindly fix these mistakes and update my account details.