23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company keeps saying I am 4 payments in arrears. I keep saying it is only 2 payments ' have repeatedly asked for the accounting records. All they have produced is a document showing two payments in arrears, yet they are threatening foreclosure over this fact that I am 4 payments behind.. In California that is illegal. 
I have asked for this 5 times in over 90 days. They must stop this harassment and provide accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted Equifax did their typical " its not our error '' and blamed it on the XXXX XXXX who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case Equifax processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

Equifax is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.
Product: Credit reporting or other personal consumer reports

I am filing a complaint on XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). As highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations i request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation .The accounts as follow XXXX  Account Number XXXX XXXX Reported Balance {$440.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX ( CLOSED )
Product: Credit reporting or other personal consumer reports

On my credit report there are several incorrect addresses listed on my credit report. These incorrect address are listed below : 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX. 
These addresses are incorrect and I never lived at any of these addreses. 

My correct address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and I have always lived at this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit, and I notice I had a fraudulent discrepancies from a company named XXXX XXXX on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.
Product: Debt collection

I am writing to address the late payments on my account with reference number XXXX. I recently noticed that there have been instances of late payments reported on my credit report for the past few months. XXXX XXXX  XXXX
Product: Debt collection

I entered into a consumer credit transaction on XX/XX/2018, with XXXX XXXX XXXX. They have assigned the servicing of my loan to NewRez Mortgage LLC dba Shellpoint Mortgage Servicing and my personal information. When I entered into this consumer credit transaction with XXXX XXXX  I gave them permission to have my personal information and ONLY them, NO ONE ELSE. This goes against my right to privacy as a consumer under Federal Law 15 USC 1692 Fair Debt Collection Practices Act. Because of this, NewRez is sending me statements in the mails and attempting to collect a debt when In fact, I have never completed an application or have any contract that permits them to collect any payment from me. The Fair Debt Collection Practices Act is made to protect consumer 's, like myself, against debt collectors, like NewRez. NewRez is committing a host of violations against me. NewRez is letting everyone know in my neighborhood that I have an alleged debt by sending mail that has a logo and symbol in the contents of their communication indicating they are in the debt collection business. This is ruining my reputation as a consumer and an infringement upon my right to privacy. Pursuant to 15 USC 1692b ( 5 ) no logo or symbol should be on any contents of communication through the mail that illustrates that they are a debt collector or in the debt collection business. In NewRez mail they are collecting and sharing my personal information, going against my right to privacy. NewRez stated that " I owed a debt '' and Pursuant to 15 USC 1692b ( 2 ) no debt collector shall state that a consumer owes any debt. In the contents of NewRez mail, they are using harassment informing me that if I dont fulfill my credit obligations they will report it to a credit reporting agency which will ruin my reputation. No debt collector shall harass in the connection of any debt according to 15 USC 1692d ( 1 ). As a Federally Protected consumer, I have exercised my rights responding to this alleged debt by sending an Affidavit of Truth and Cease of Desist certified mail with return receipt but they have disregarded my Cease and Desist letter by still sending me statements to collect an alleged debt other than a specified remedy for them violating me.
Product: Checking or savings account

Over {$4000.00} was stolen from my cash app account when my phone was stolen. These transactions were made in the form of XXXX XXXX. Cash app has been uncooperative in forgiving these transactions, which is illegal being that there is proof I did not perform them. I do not deserve to not have access to my account because of a thief. They closed the previous case XXXX stating that they reached out to me but all they did was say there is nothing they can do and that it is my responsibility. Per federal regulations, victims of identity theft and theft in general are not responsible for fraudulent transactions. Therefore, cash app is committing a crime by holding me accountable for these transactions. They said they investigated it but they did no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i ama victim of identity theft. My information was stolen and used without my consent. I reached out to the company and there are not responsive. There are unauthorized hard inquiries on my credit report that must be removed. 

my social security card, my state id and my ftc report are attached. 

please block all these unathorized fraudulent inquiries. 


I am a Victim of Ideneity Theft. My identity has been stolen. UNAuthorized inquiries have been made WITHOUT my consent. 

Block and remove all of the following illgeal inquiries that are fraudulent. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 2 ) XXXX XXXX  XX/XX/XXXX, 3 ) XXXX XXXX  XX/XX/XXXX, 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 5 ) XXXX XXXX XXXX XX/XX/XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 7 ) XXXX XXXX XXXX XX/XX/XXXX, 8 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 9 ) XXXX XXXX XX/XX/XXXX, 10 ) XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 12 ) XXXX XXXX  XX/XX/XXXX, 13 ) XXXX XXXX  XX/XX/XXXX, 14 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX, 15 ) XXXX XX/XX/XXXX, 16 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around XXXX XXXX XXXX I reported to USAA that two of the three cards in my name through them were opened fraudulently that it was in fact not I who applied for them. Also at that time I informed them that the one that I had in fact applied for was also being fraudulently used. That I knew who it was, that it was a person I was previously in an a XXXX XXXX and XXXX relationship with. I kept in contact with USAA and spoke with them several times between the time I made my report in the beginning of XXXX, until the XXXX of XXXX where they informed me that my case was denied and I was deemed liable. Their reasoning being that they could n't see any fraudulent activity do to that all the cards were being used locally and at the same locations, which I told them would make since do to the fact that it was a person I was living with doing it. I offered USAA a copy of the police report which contained the name of the person I was informing them it was, the person I was living with at the time of the fraudulent activity and they did n't find that information to be pertinent. At this point they except me to pay all charges both justified and fraudulent.
Product: Credit reporting

These inquiries below I did not authorize and can not get Equifax to remove after I disputed them online and in writing. 

Thank You For Submitting Your Dispute Dispute Confirmation # : XXXX Dispute Summary Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry.
Product: Debt collection

Today XX/XX/XXXX I received this voicemail from XXXX XXXX, Michigan ( XXXX ) XXXX : XXXX XXXX I'm calling to notify you I will be out to your residence or place of employment in the next business day you will need two valid forms of state ID and if it work I will need a supervisor present as a witness I obtain your signature if I'm unable to locate you at either location the documents will be sent back as a direct refusal a missed appearance if you have any questions pertaining to this matter before receiving these documents you can contact the plaintiff at XXXX I called the XXXX and an American male who identified himself as " XXXX '' asked if ( XXXX  ) are the last 4 of my social security number. I told him yes. He explained to me that I have a delinquent amount from XXXX of {$2300.00} with XXXX XXXX XXXX. He named my city, mother, and daughter. I told him I have no such account so my identity must have been stolen. By the end of the call I accused him of trying to scam me. Afterwards, I realized the dollar amount and plaintiff he said I owed is the exact amount and plaintiff from a judgment I paid off on XX/XX/XXXX. The Certificate of Satisfied Judgment is attached. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. The items I dispute are also circled in the attached copy of my credit report. 



Disputed Item : XXXX Wells Fargo Account # XXXX Reason for Dispute : I was not late on paying off this account. The XXXX, XXXX and XXXX -day past-due notice for is incorrect. I closed my account on XX/XX/XXXX and paid the balance in full. I spoke with the bank representatives, and they told me that they would work with XXXX XXXX to mark the account as paid off and in good standing. I was suffering from the loss of my XXXX XXXXXXXX whom I was very close with at the time, and I never had any call from the bank telling. 

me that my account is XXXX months overdue. That is when I saw my credit score. 

drop points. I explained that I had already spoke with Wells Fargo earlier on the next day I contacted the dealership to resolve the issue. On they finally paid off the account and XXXX XXXX closed it. I settled my account balance with Wells Fargo in full in XXXX, but my account is still being reported as a charge off. The terms of that settlement agreement our understanding was at the time of the agreement that in exchange for payment Wells would stop reporting any negative things about my credit history in connection with this account going forward. I would not have paid for such a high amount if I had known that Wells Fargo would continue to attempt to collect this debt and continue to report the negative erroneous information on my credit history to attempt to collect this debt. The reason I entered the settlement with this bank was because under the terms of my debt settlement with Wells Fargo, we each agreed to terms that prohibited Wells Fargo bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing in error that the account was greater than XXXX XXXX late for the month ( s ) XX/XX/XXXX It is still showing in error that the account was greater than XXXX XXXX late for the month of XX/XX/XXXX It is still showing in error that the account was greater than XXXX XXXX late for the month of XX/XX/XXXX It is still showing in error that the account was greater than XXXX XXXX late for the months of XX/XX/XXXX and XX/XX/XXXX It is still showing in error that the account was a charged off account despite our written and recorded understanding to contrary from the time beginning with XX/XX/XXXX until XX/XX/XXXX. 

Action Reqested : Please investigate these errors on my credit report right away, remove them, and send a corrected copy of my credit report to me at the address above. 

On XX/XX/XXXX I spoke with representatives from Wells Fargo at XXXX XXXX, intially the representatives were not cooperative but eventually they told me they would look into the matter more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Product: Debt collection

Upon attempting to lease an apartment in Houston after completing and graduating college in XXXX XXXX, I was informed of a collections on my credit reporting history. I took the steps in order to dispute this credit, but XXXX and XXXX   referred me to hiring a company to handle the issue. I reached a letter dated XX/XX/2019 from JSZ Financial acknowledging my dispute efforts. Attached in the letter was what appears to be a printout of what they determine the amount owed might be with no details, no original contract, and no verification of this debt being mine or unpaid. On XX/XX/XXXX, I reached out to JSZ Financial via certified mail asking for why they believe this debt is mine, the amount and age of the debt ( with supporting documentation ), and details about their authority to collect this debt. I inquired for these documents for debt verification, but only received the same incomplete, what appears to be a printout of amount owed dated XX/XX/2019. I am unable to receive a true verification of this debt as they only send me this printout despite verification and documentation requested. If there is no verification and documentation, then I have no obligation to this debt and it should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It XXXX Concern : It has come to my attention, after reviewing XXXX XXXX credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and fraudulent credit accounts on my report. 

I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 


INCORRECT ACCOUNT INFORMATION Creditor Account Number Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing or any that I am not aware of or have authorized to do business with. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

As is normal now, I received an email from Bank of America that my financial info may have been compromised at an 'undisclosed merchant. ' The bank and merchant should be be disclosed, so I can decide how to proceed. Not having to disclose the merchant helps remove certain accountabilities. 


Security Alert : We 're Issuing You a New Card To Help Keep Your Information Safe We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon. 
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX/XXXX/2016. 
Your security is important to us We 're continuously monitoring your account ; however, if you do notice any charges you did n't make, please call us at XXXX, 24 hours a day, 7 days a week.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After contacting Experian on numerous occasion through certified mail regarding XXXX XXXX. They are continuing to report this inaccurate account. This is defaming my charter. Experian is the only bureau reporting this the account. This goes against FCRA requirements and guidelines. Experian knows this is against but they continue to report it anyway. I have attached a screenshot showing that westlake financial was deleted from XXXX and XXXX because the XXXX XXXX  account wasnt in compliance with the FCRA laws. Please be advised that Experian is aware of this violation but they continues to violate my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I received notice that a hard inquiry into my credit was run, however I didn't authorize this nor had I recently applied for any new accounts or loans. 

The credit inquiry came from XXXX XXXX XXXX  on XX/XX/year>, and after calling them they confirmed that there was a recent application for a credit card using my information ( with a different phone number ). I informed them I did not submit an application, so they marked the application as fraudulent and cancelled it. 

The hard inquiry into my credit now appears on all three major credit bureaus ( XXXX, XXXX, and Equifax ), and I'd like to ensure that this is removed from my record- along with any necessary fraud monitoring that needs to take place for my information. I first tried calling XXXX to do this, and they informed me that I should first create a report with the FTC.
Product: Credit card

Applied for credit in XXXX XXXX. Never received card. XXXX XXXX, received bill for annual fee of {$59.00}. Called company, told them I did n't have their card. Asked them to remove the fee and close the account I did n't have with them. XXXX XXXX, receive another bill with another fee saying I 'm overdue. I want them to leave me alone and not mess with my credit rating.