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

After checking XXXX XXXX on XX/XX/21 to see both my XXXX and Equifax credit scores, I saw that I had a XXXX and XXXX respectively. As such, I applied to XXXX XXXXXXXX XXXX ( XXXX ) for a credit card. I was immediately rejected which seemed odd to me given my scores. When I got the letter from XXXX explaining the decision, I saw that Equifax had reported my score to them as XXXX -- an almost 80 point discrepancy to what they had reported to XXXX XXXX. As such, I attempted to call Equifax to figure out the reasoning and file a dispute if necessary as provided under the Fair Credit Reporting Act ( FCRA ). After finally speaking to an agent, I was told that Equifax could not verify my identity and to try the process online. I requested to speak to a supervisor as the online verification system would be the same as the phone system. The representative repeatedly refused and told me I could only go through the online process. Sure enough, the online process also could not be completed. I have currently been on hold for 30 minutes attempting to speak with a supervisor to try to find an alternative way to verify my identity. I am unsure as how to proceed at this point as I have no way to correct any information that could be causing this problem nor any way to file a dispute, both of which are violations of the FCRA. Additionally, the information I provided to Equifax was the same information I provided to XXXX. I am unsure as to why Equifax is able to verify my personal information to share with a corporation but unable to verify my identity when provided the same information by me.
Product: Credit reporting or other personal consumer reports

Subject : Late Payment Verification Dispute Dear [ Experian, XXXX ], I hope this letter finds you well. I am writing to dispute a late payment entry on my credit report associated with your company, XXXX XXXX XXXX XXXX XXXX XXXX ]. After reviewing my credit report, I noticed 4 late payment notation for the account [ XXXX ] I believe there may be an error in the reporting of this late payment, as I have always been diligent about making timely payments. To address this matter, I kindly request that you provide verification of the late payment, including but not limited to : 1. Date and amount of the alleged late payment.

2. Proof that the payment was indeed late.

3. Any communication sent to me regarding the late payment.

4. Method of verification used to verify account I understand that accurate reporting is crucial, and I am confident that this matter can be resolved promptly. Please investigate this dispute and provide me with a written response within 30 days, as stipulated by the Fair Credit Reporting Act.

If, after your investigation, it is determined that the late payment entry is inaccurate, or you can not provide the requested information I request that you promptly update the information with all major credit reporting agencies. Your cooperation in resolving this matter is greatly appreciated. 

Thank you for your attention to this dispute. I look forward to a timely resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to CMC Funding/XXXX will not do anything to correct the situation. I have notified the XXXX XXXX agency and CMC Funding/ XXXX XXXX and nothing has been done in over 2 months. They have paid my Tax Bill late 2 Years in a Row and have not taken the issue seriously. The lack of response has been pathetic. Please Help
Product: Money transfer, virtual currency, or money service

So, my robinhood account got XXXX, and they said theyll transfer everything in my account to my bank account ( the full amount was upwards of {$49000.00} ). When the transaction took place they only transferred {$47000.00}, and since the account is restricted i cant with withdraw the {$1400.00} thats left in the account. Now i dont know what to do, their support team is so bad, and wont help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mishandling of personal data on a large scale. Not notified for 3 months after the breach, and even then I had to personally attempt to discern whether my information was part of the impacted data ( according to Equifax, my data was part of that potentially leaked ). 

I would like resolution of this issue and to see better handling of such vital, sensitive information.
Product: Student loan

Since XX/XX/2021 Contacted FSA in regards to forgery with my loan illegal transfer as well. I was told I am under federal loan. 
I was informed by FSA they would not entertain assistance, if I was not federal loan, yet my loans have not been dealt with accordingly nor honorary loan pay freeze. I have interest added up making payment high now. My profession has been undermined and not categorized as a essential and XXXX XXXX XXXX XXXX XXXX, which brings the attention to why XXXX XXXX are not provided loan forgiveness as XXXX  have recently. We are essential XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX I XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, KS XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report. 

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/2020. Today is XX/XX/2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address, names and birthday was given.
Product: Credit card or prepaid card

In reference to : Capital One Case : XXXX CFPB Case : XXXX This new complaint is in connection to the previous complaint submitted above. Capital One did an investigation that was done improperly, not thorough and did not contact me as requested within the original complaint. It was clear in the complaint that it could not be solved without contacting me due to the sensitive nature of the matter being an identity theft situation. This is a continuation of violating my FCRA rights as a consumer attempting to correct an invalid and wrong crediting reporting by Capital One due to a matter revolving around Identity theft. 

As a second attempt, please contact me directly at XXXX XXXX XXXX so that I can 1 ) properly explain the matter in question and 2 ) Capital One then can inform me of the documentation they will need to correct the matter. ( Just like every other creditor whom I needed to work with regarding this matter. Capital One is the last and only creditor to not handle this situation lawfully at this juncture ). 

Please let me remind Capital One and its representatives, I am an IDENTITY THEFT VICTIM. Please take note of this moving forward before your dismissive with a cookie cutter, useless " investigation '' that was previously conducted > Capital One Case : XXXX.
Product: Credit card

I used to have a credit card account with Citi bank and there are many fraud charges on the credit card that never were credit back to me. Entire year os 2014 charges for he credit card citi is fraud.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries that are being reported on my credit report, I have not authorized these hard inquiries, XXXX XXXX  XX/XX/year> | XXXX XXXX XXXX XX/XX/year>. Please remove them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE XXXX ) My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately, the following includes : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX total XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently was looking at my XXXX XXXX  as it has been a while since I looked at my credit score. Due to this whole corona virus thing I was told by my family to make sure all my credit is accurate. On XX/XX/XXXX I noticed a handful of things inaccurate which I'll explain and show you pictures. On My file it shows a Company XXXX and says I owe them {$370.00} this 100 % fraud and never approved from me. There parent company I called and they had no idea what I was talking about. XXXX I called on XX/XX/XXXX and the customer service rep she had said she would remove the entire thing after speaking to her for 20 minutes. However she than said didn't have the authority and I said call each credit agency and dispute this since it is not mine and couldn't be validated. Next up Late Fee 's I admit I had made mistakes however last year In XXXX I spoke with XXXX XXXX which also goes by XXXX about car loan. They had said they would remove XX/XX/XXXX & XX/XX/XXXX late fee 's as a courtesy however today It is still on there. Another car loan XXXX XXXX XXXX  had also said they would give me a courtesy and remove a late fee from XX/XX/XXXX since I always pay on time. They were very understanding. However it was never updated to any credit branches. I also have a few hard inquiry pulls that I have no idea about and I believe them to all be fraud because I don't recall going to these banks or applying for anything with the following companies XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX. These are all 100 % not authorized by me. I called a few of thing but there lines were over an hour long. One of the companies did tell me that all the companies would have my signature if I applied with anything with them. I know I didn't on those dates with those companies so I am looking for all that to be removed from my report and everything else mentioned. Thank you.
Product: Mortgage

When I filed for  Chapter   XXXX  protection   in  XX/XX/XXXX , US Bank agreed to allow me to continue making my equity line of credit payment outside of the Chapter. I have made {$14000.00} in payments stretched over a 60 month period ( see proof attached ) {$110.00} bi-weekly.
When I entered into my Chapter in  XX/XX/XXXX , I owed US back {$19000.00} ( see proof attached ). I requested a pay-off of the balance owed and now I still owe {$12000.00} after payments of {$14000.00}. Us Bank sent me a letter ( see attached ) on  XX/XX/XXXX  indi  cating I have paid no interest on this loan during my bankruptcy period, so I could not write off any of th e 2nd m ortgage interest on my taxes file. So, with that said, I need to know what my true balance owed is. The numbers do not add up, There is {$7000.00} not accounted for that I have paid. I only sent the  last 24 months of proof of payments records, I can supply the remaining 3 yea rs upon request. My agreed upon monthly payment per   US Ban  k during this period was {$200.00}, I sent {$230.00} monthly. Please assist me with this issue, I ca n't afford to seek legal council at this time. But, If I have too I will. Thank you for any information you can provide me with, on where the remaining payment have gone to.
Product: Money transfer, virtual currency, or money service

I deposited money from one Wells Fago account into another and it was fraud. I had no idea that this was a scam. I have requested the return of my money as it went from one WellsFargo account to another. the amounts XXXX XXXX, XXXX, XXXX I really feel Wellsfargo can track this money down and get it back as it was in there bank. I hope that you can help me with this situation. 

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

I submitted a letter of request to remove a Public Record from my credit report on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the XXXX County Recorder of Deeds that they do not report public record information to the credit bureau. On XX/XX/XXXX I placed a freeze on my XXXX account # XXXX. On XX/XX/XXXX another public record was added to my account. On XX/XX/XXXX after receiving no response, I faxed a second letter asking for information regarding how these accounts were verified. On XX/XX/XXXX one account was removed but the other remained. On XX/XX/XXXX I faxed another letter requesting again for the information regarding how the account was verified since the holder of such account does not report information to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USCS 1666 B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING A COLLECTION ACCOUNT THAT IS NOT ACCURATE OR MINE. PLEASE REMOVE THE CCS COLLECTION ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 
*** PLEASE BE ADVISED*** According to the law 15 U.S. CODE 1681 ( A ) ( 1.A ) Any account being disputed must be removed while under investigation. 

If your fail to follow this law it is an {$1000.00} violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complaint to inform your department that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX, XXXX - XX/XX/XXXX. 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries do not belong To me have not been authorized by me and should be removed. These other too Thanks XXXX XXXX XXXX Wells fargo card ser XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college  studies with a full-time job has added the role of a full-time XXXX  manager to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 funds in the amount of {$4800.00} that the State of NJ put on a money Network card in compensation for XXXX insurance was fraudulently stolen from account. There was a transfer to personal banking account for the entire amount, transferred to an unknown account. This service can obviously be hacked. The card was never used, never taken from my home and never even activated. The day after downloading the app and viewing the balance the funds were fraudulently transferred from my account without explanation. I Followed all the appropriate procedures directed by money network, filed an ACH claim, gave all required information. They determined that no error occurred in a form letter denying my claim. Have tried several times to contact Money Network to dispute their check dispute operations determination. They offer only a fax number. Their Customer Service representatives have information regarding my claim filed but offer no assistance in the matter. When I try to call anyone in claims department the call gets routed to an automated service and hangs up. This is obvious ACH fraud. I want my stolen funds back in the amount of {$4800.00}. 
Case Id # XXXX
Product: Mortgage

Wells Fargo, I have called for the last week to get a reinstatement letter with no call back. I have left 5 messages with my assigned migator XXXX XXXX. He stated he would call me last week and still hadn't. The company admitted they applied previous payments to the wrong account and I have attempted to get a check recut with no avail.
Product: Debt collection

Pro collect has been sending me collection papers for the amount of XXXX and the collect is past due, I do not know this company and have no affiliation of any kind
Product: Credit reporting or other personal consumer reports

Dear Transunion, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The account type is different from XXXX XXXX XXXX has no account type- It's a violation because all three are not consistent -The high credit is different from XXXX 's a violation because all three are not consistent -The number of months is different from Transunion- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX It's a violation because all three are not consistent -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent The 'date of last " payment is different from XXXX-It 's a violation because all three are not consistent -As far as the payment history is concerned, your company is not showing any payment history and XXXX and XXXX but what they are showing as payment history is not in consistent as well. 
Please see attachment for proof