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

I am seeking a mortgage but have been experiencing significant delays due to errors on my credit reports from Equifax, XXXX, and XXXX. The same accounts are being reported with different payment statuses and delinquency information across the bureaus, creating confusion that are negatively impacting my score. I've contacted all creditors to verify accuracy and request updates, specifically asking for clarification on the varying payment statuses, but the issues persist. Years ago, my wallet that contained my Social Security card and many identifying documents was stolen. I reported this to the police and obtained new documents quickly, but I'm concerned that some accounts may be fraudulent, contributing to the inaccuracies on my reports. I urge the CFPB to assist in resolving these discrepancies quickly to avoid further delays in my mortgage application and protect my creditworthiness.
Product: Mortgage

XXXX I was only recently made aware of the XXXX XXXX vs Wells Fargo settlement. 
I can only credit my own self search regarding other financial matters did I become aware of said class action or anything in regards to being denied mortgage modification opportunities that myself any family could have greatly benefitted from, and Wells Fargo denied at every opportunity. 
Just today on contacting thought the phone number provided on a random website did I contact and was told that I was indeed on the list of borrowers. 
After my prior ( XXXX ) complaints and having no resolution I'm thoroughly stressed to my limit, they still are reluctant to fully supply information and I have received XXXX correspondence or documentation on this matter from Wells Fargo, however they missedaling a small local tax payment ( {$6.00} ) to my city tax account, and had me in collections for that! 
( Yes it has since been resolved ) due to my own due diligence.
Product: Credit reporting or other personal consumer reports

I am requesting that XXXXXXXX XXXXnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that XXXX XXXX listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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. 
Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Shoreline WA XXXX ; XXXX XXXX XXXX XXXX New York NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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 the 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 : US DEPT ED ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : It is with disappointment that I dispute the missed and late payments on this account. The situation has become a frustrating reality. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand and address the issue. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, including screenshots of my credit report, highlighting the inaccuracies and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a copy of all dispute results and documentary evidence from XXXX, and XXXX mailed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to Tran Union on XX/XX/2023. I reached out to XXXX on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting medical bills from XXXX twice on my credit report making it appear as if i have 4 extra derogatory remarks on my credit report.
Product: Prepaid card

I tried to purchase gas and it was declined saying for my protection but I had money and nothing fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one XXXX day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX XXXX letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it XXXX XXXX XXXX XXXX  ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ohio XXXX RE : ADVERSE EXPERIAN REPORTING / NO RESPONSE To Whom It May Concern ; Please find the following issues/complaints regarding EXPERIAN Credit. After multiple attempts to contact EXPERIAN with loss of time and resources to modify records still they are not responsible? 

Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception. 
Incorrect Adverse Account Information ; 1. XXXX XXXX  XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX XXXX
Product: Student loan

I applied for a change to my student loan payment plan from the stayed 'SAVE PLAN ' to the regular order 'IBR PLAN ' in early XX/XX/XXXX. Per the Department of Education, if the loan servicer is unable to calculate a payment and move me into the new plan in TEN BUSINESS DAYS, they are required to move me from an ADMINISTRATIVE FORBEARANCE that does NOT qualify for PSLF to a PROCESSING FORBEARANCE that does. They did NOT do so. 

It is now XX/XX/XXXX and subsequent months of qualifying employment under this improper forbearance are marked INELIGIBLE for PSLF even though they should be ELIGIBLE. 

This delay causes significant financial harm to myself and my family.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following. Bankruptcy XXXX XXXXXXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two FTC reports with inquiries I did not authorize, please delete these inquires as they are affecting my odds for approval
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - Contacted Bull City Financial is reporting a balance and there is no Balance {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX XXXX put a late on my credit report. I had told them I never used the card so why i have a late. they agreed to move late fee and late remark. i asking for it to be removed now please its ruining my credit
Product: Debt collection

The company began contacting me and stating they were attempting to collect a debit, I inquired where they were calling from and the original creditor they stated XXXX which I had no account with them I responded with they have the wrong person they proceeded to ask me my date of birth which I verified but with additional questions behind it they asked my last 4 social and I stated yes but how do you have that information they lady replied you just stated its the wrong person and disconnected the call and there after it was now on my credit report. Ive sent the company letters to comply with send me copies of the contract or documentation of the debt Im am supposed to have with them but no response. I get text messages of options to settle but they refuse to respond to my request for verification of the contract and this has recently hindered me from getting an apartment.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I am again with this same company! Who now after my most recent complaint decides to finally mark the account as closed on XX/XX/2017 which again is INCORRECT reporting. Second they decide to mark my account as 30 days past-due on the same day! The payments are due every XXXX of the month Were not at the XX/XX/XXXX yet which makes it impossible for me to be 30 days past-due. This company really needs to stop illegally reporting this account on my credit. I will move forward with other action if they dont be fair and REPORT CORRECTLY!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices,. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit card or prepaid card

On XX/XX/18 I rented a car signing the attached agreement number XXXX which made no reference to a minimum rental period. At the time of rental return that day ( the contract clearly lists " MIN 1 day '' ), XXXX imposed an early return penalty not mentioned in the contract, which I tried unsuccessfully to resolve at the XXXX counter at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Wells Fargo subsequently upheld the fraudulent charge, and is therefore a party to the fraud, which is not surprising given it recent history of fraudulent activity.
Product: Payday loan, title loan, or personal loan

On XXXX the XXXX-2020 at XXXX. send and email to company about financial situation.ask them not to withdraw funds from account because of limitation. Then put a block on the account with my bank. XX/XX/XXXX they still. withdraw. $ XXXX
Product: Debt collection

Despite providing valid documentation and receiving bank confirmation for immediate removal, the fraudulent account XXXX XXXX XXXX  XXXX persists on my credit report. Immediate removal is essential to comply with legal obligations and maintain report accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the inaccurate and incomplete credit information being reported. 

I am deeply concerned about the inclusion of the following information in my credit profile and the failure to maintain adequate procedures to ensure the utmost accuracy in the credit reports you produce, as mandated by credit reporting laws. 

It is imperative that credit bureaus report only completely accurate credit information, with every precaution taken to ensure its correctness. 

Hence, the following information requires thorough re-investigation. I kindly request proof demonstrating that these inquiries were indeed authorized with a document bearing my signature and for legitimate business purposes. In the absence of such evidence, any unauthorized inquiries must be promptly removed from the 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 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 

The mentioned inquiry was conducted without authorization and lacked legitimate business purposes, constituting a grave error in reporting. I urge you to expunge this misleading information and furnish corrected credit profiles to all creditors who have received copies within the last XXXX months or within the last XXXX years for employment purposes.