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

XX/XX/XXXX I wrote to each of the 3 credit bureaus : Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Creditor : XXXX XXXX, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Then again on XX/XX/XXXX whe I disagreed with the results : Creditor : XXXX XXXX, Account : XXXX Reason : The status on this account is incorrect and This account was paid in full. Delete collection/chargeoff because it is inaccurate. Delete comments because they are unproven. 

It has been months of back and forth with the bureaus and XXXX XXXX and changes to mistakes on the reporting. ( 1 ) it was not a repo and XXXX did not provide a debt validation to me ( see attached ) so how did they respond to the bureaus. ( 2 ) One bureau corrected it only to later change the reporting. ( 3 ) a charge off can't be paid and have a {$0.00} balance. I don't know what XXXX is trying to pull but I made the payment on this account according to the contract and now they are trying to do some bait and switch tactics while acting like I didn't write to them. This is ridiculous! It's hurting my score and making me look bad. Please remove this inaccurate reporting! 

And shame on the credit bureaus for not doing a through job!!!
Product: Credit reporting or other personal consumer reports

I don't know from there to start. The situation is really hard and disappointing, because I become victim of identity theft. Scammers from California theft my Social security number and got illegal money using my name from XXXX with XXXX fraud accounts. I spoke with XXXX, I explained that all my life I had a residence in CONNECTICUT, in a past I had XXXX accounts with XXXX opened in XXXX and XXXX that were connected to my real address XXXX XXXX XXXX, XXXX XXXX, XXXX, CT. I asked them how they provided the fraudulent credit under my to California addresses ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA and XXXX XXXX XXXX XXXX XXXX XXXX, CA ). They even didn't checked my public records, because I have never lived in CALIFORNIA. I also explained the situation to credit bureaus and was requested to fill FTC report for deletion of fraudulent items. Please remove all fraudulent information from my credit reports including XXXX XXXX fraud accounts, CALIFORNIA XXXX fraudulent addresses, fraudulent inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccurate Late Payment Reporting Dear Experian, I recently reviewed my credit report and noticed some inaccuracies regarding late payments. Specifically, there are late payments listed on my report that were actually paid on time. 

I kindly request that you update these records to reflect " PAID AS AGREED '' status. Below, I have provided the account names, account numbers, and the specific dates that are inaccurately reported as late : 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 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 

These inaccuracies are adversely affecting my credit score and hindering my ability to purchase a new home. I would appreciate your prompt attention to this matter and correction of these errors. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My son 's dad passed away on XX/XX/2020 and we tried to make payments on his home equity loan for {$16000.00} and Fifth Third bank wouldn't accept any money. We obtained the " Letter of Office '' from our attorney and personal brought it to the bank, still they wouldn't accept any payments. We have two pages of notes showing all the action we took, but they wouldn't accept payments. Now they have an attorney who added an additional {$9900.00} fees to the loan and is trying to foreclose on the property. We have paid the homeowner 's insurance, some of the property taxes and maintained the property in order to sell. We have a buyer for the home, but the bank has a lien on the property, stopping us from selling and paying what we owe.
Product: Credit reporting or other personal consumer reports

I tried several times to dispute numerous items that were reporting fraudulently on my credit report. I've disputed with all three credit bureaus, and they finally removed the items, after 2 years of attempts. 

However, in the time that each credit bureau was reporting this fraudulent information, I had to spend over {$5000.00} in fees associated with disputing, and this negative information had also caused me to receive denials from other lenders when I actually tried to apply for financing and new credit. 

Also my existing credit account limits were decreased because of the negative information reporting. 

XXXX, XXXX and Experian have violated my rights as a consumer, under the Fair Credit Reporting Code, violation code ( 15 U.S.C. 1681
Product: Checking or savings account

Before the news came out about a decade ago, that Wells Fargo was criminally opening fake accounts, I submitted a complaint to CFPB about 5 accounts, in my name and SSN, that we opened up fraudulently. These accounts had a New York address. Later, the world found out that it was not just me, but that Wells Fargo was committing this crime on a regular basis. 

Yesterday, I receive a mailing from Wells Fargo, about opening up new accounts. It was addressed to my current address in Georgia, but IT WAS ADDRESSED TO XXXX XXXX XXXX. I am NOT Mr. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Transunion is reporting I had a XXXX XXXX XXXX. I never had a XXXX XXXX. This is still showing on my credit report and it is not accurate information. 
After XX/XX/2021, If Transunion, XXXX and XXXX  continue to report inaccurate information. I am going to request in court a lawsuit against these companies for XXXX and all of the lost opportunities which are afforded with my credit. 

I have given longer than 60 days with disputing information on my credit report. I want the information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : 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

XXXX XXXX XXXX  made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood
Product: Credit reporting or other personal consumer reports

THIS IS TO NOTIFY THIS ENTITY OF FRAUDULENT ACTIVITY ON MY ACCOUNT. SINCE HAVING THIS CREDIT CARD I'VE USED IT DAILY. TO START YOUR INSTITUTION XXXX XXXX XXXX PUT A FRAUDULENT CHARGE ON MY CARD CLAIMING A {$250.00} CHARGE FOR XXXX XXXX. MY ELECTRIC COMPANY MIND YOU IS XXXX XXXX XXXX XXXX, LA. XXXXXXXX XXXX. WHICH CAUSES ME TO SUBMIT A FRAUD CLAIM CLOSING MY ORIGINAL, WHICH I DID FILE ON THE XXXXXXXX XXXX XXXXXXXX. ON THE XXXXXXXX XXXX XXXX I WENT IN TO YOUR BRANCH OFFICE LOCATED ON XXXX XXXX XXXX XXXX, LA. XXXX AND PAID THE BALANCE ON THE CARD XXXX IN HAND WHICH TOTALED {$3600.00}. THIS TRANSACTION GAVE MY ACCOUNT A BALANCE OF {$0.00}. XXXX XXXX BANK HELD MY PAYMENT THAT WAS MADE ON THE XXXX XXXX XXXXXXXX AND APPLIED IT XXXX DAYS LATER AFTER REPORTING TO XXXX, XXXX, AND EQUIFAX A BALANCE OF - {$3800.00} AND A UTILIZATION OF 77 %!!! THIS IS VERY DETRIMENTAL HARM AND A FRAUDULENT ATTACK AGAINST [ XXXX XXXX XXXX XXXX  [ WHICH I AM THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. NOW ON A NEW ACCOUNT WITH A CREDIT CARD ENDING IN XXXX WITH A BALANCE THAT WAS - {$3800.00} YOUR INSTITUTION CHANGED IT TO A PRESENT BALANCE OF {$450.00}. MY ACCOUNT HAS BEEN MISREPRESENTED AND MISREPRESENTATION HAS TAKEN PLACE. MY NEXT STEP IS TO FILE A CLASS ACTION LAWSUIT ON YOUR INSTITUTION XXXX XXXXXXXX XXXX  WITHIN XXXX HOURS OF RECEIPT OF THIS TRANSMISSION TO YOUR INSTITUTION. YOU HAVE A CHANCE TO CURE THIS AWFUL INTRUSION OF MY CONSUMER RIGHTS. 

18 USC Section 241 DEFAMATION DISCRIMINATION XXXXXXXX XXXX XXXXXXXX PROFILING MISLEADING INFORMATION ON CREDIT REPORTING. 

LET THIS LETTER OF SERVITUDE SERVE AS A VITAL WARNING!!! 

SINCERELY : THXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one sent a email stating they closed my account on XX/XX/2023 all because I exercised my FDIC reg e rights and filed a dispute, they also stated I would have no use of my funds and have to wait 45 days for claim to complete. I sent a complaint to their complaint email on XX/XX/2023 expressing my concern that my right address needs to be confirmed Incase of a check sent due to severe financial hardship Caused by the dispute process and me living couch to couch not being able to afford my rent because I had no access to my funds. 47 days passed since I sent a complaint which I received a confirmation email and they failed to respond or even send me any type of email updating me on dispute process which at this point 45 days has well passed since I filed dispute. I called on XX/XX/2023 to get an update I was informed that all my claims were approved and that a check was processed on XX/XX/2023 and I should wait until 7-10 business days from that date and I then expressed that any day I will no longer be at the address they had because I was moving and the representative stated if you don't receive your check just call us back so on XX/XX/2023 I called and spoke with a manager stating I did not receive my check and that I changed my address she then proceeds to tell me that i may have to wait 90 days!! to receive a new!!! check and I'm just going to leave it at that! I have already been waiting 60 days for my funds that I was suppose to have access to anyway during the dispute process and you mean to tell me due to capital ones negligence and sending a cashier check with no tracking or confirmation of address and for them to know what could happen if check is not received I will possibly have to wait another 90 days which will equal out to almost half a year all from me exercising my rights! No way!! if I do not receive a replacement check within this next week I will be homeless and left with no choice but to take legal actions I have tried to reconcile with capital one multiple times and they just seem to not care about their customers so maybe their regulator has some sense and will step in and put them back on probation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit reporting agencies written disputes regarding XXXXXXXX XXXX account XXXX XXXXXXXX on the following dates XXXX XXXX XXXX and XXXX  This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX  have not sent any proof that I owe this debt.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
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 are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a 1 yr old BMW 3 series and applied and received a loan from BMW financial services. I was not told however of the high interest rate. I have asked BMW to reduce my interest rate, and they told me to wait 6 mos and apply for re financing. I did but I was told I would not get the rate my salesman told me due to some dealers offering a promotional deal of 0 % or 0.9 % ... .I have been trying to get BMW financial to reduce my interest but to no avail. Can you help a senior out? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, XXXXXXXX XXXXd SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXXXXXX XXXX XXXX XXXX. Specifically, I ask that : 1. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.
Product: Credit reporting or other personal consumer reports

I OBTAINED MY XXXX REPORT # XXXX, AND I NOTICED A OUTSTANDING AMOUNT OF HARD INQUIRIES THAT I DID NOT AUTHORIZED,
Product: Mortgage

In XXXX of XXXX my fiancee and I received a letter from our mortgage company, Freedom Mortgage, stating that we could do a FHA streamline refinance to save some money. We called and applied. On XX/XX/XXXX, we closed on the refinance and sent out the closing costs in a wire transfer. We thought everything was fine and we were told not to pay a payment for XXXX or XXXX. 2 weeks later I received a bill for {$3400.00}, the amount of XXXX 's and XXXX 's payment plus late charges. I called Freedom mortgage and was told that my new loan was funded on XX/XX/XXXX and to disregard the bill. The money for XXXX 's payment was spent on vehicle repairs and to fix a plumbing issue because I thought it was safe to spend it. Less than a week after that phone conversation, I started receiving emails and phone calls ( 10-15 a day ) saying that I needed to reschedule our closing. I called to find out what was going on and no one could tell me why. Finally, I got an email stating that the closing company hadn't received the closing costs. After being told that for over a week, they refunded me the closing costs that they claim they did not receive. Then I was told that the closing company left out a document and in order to reschedule closing, I would have to pay the XXXX bill. I had to put other bills on hold but payed the payment ( over a month late ). We rescheduled for XXXX. One hour before the notary was supposed to come, I received an email stating that Freedom mortgage was in the process of removing late charges from my account and we would have to reschedule. The following week I received a call and several emails saying that I would have to pay XXXX 's payment to reschedule. I did not have the money to do this. I told them that I was applying elsewhere because they were incompetent. The following day they turned me in to the credit bureaus for late pays and lowered my credit score almost 100 points. This completely blocked me from switching companies. My payment history was exceptional for my mortgage and most of my other accounts. The only reason we fell behind is because we trusted our mortgage company to handle a simple refinance. Now I have had to cancel a planned vacation and I have no idea how my kids will get a XXXX. I cant sleep at night., Please tell me they are not allowed to treat people this way.
Product: Credit reporting or other personal consumer reports

My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX XXXX  The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.