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

Hello, I'll be attaching scanned pdf files of the dates and what transpired. 

Briefly what occurred - XX/XX/XXXX : Wife passed away. 
XX/XX/XXXX : Received XXXX credit cards, one for me and the other for my wife. 
XXXX : Called XXXX to have my wife removed from the joint account due to her passing. They said they did not need a death certificate as they have their own way to verify the death. They said wait 30-90 days. 
XXXX : I charged {$21.00} at XXXX for a XXXX gift. 
XX/XX/XXXX : I tried to charge another purchase but the card was declined. I ran a credit check and found XXXX showing an Adverse Account as charged off. Also, it showed I was deceased. I never received a billing statement for the {$21.00}. I was confused about this and what charged off meant. 
As the attached pdf 's will show, the deceased was corrected by the reporting agency, but charged off remained. Later, it read Paid in full/charged off, but still showed Adverse Account. My credit score dropped at least 100 points for something I had no control over, due to the fact XXXX had me deceased instead of my wife. Perhaps that's why I never received a billing statement? 

Hope this is enough info.
Product: Credit card or prepaid card

I had talked to Nordstrom Credit Card Services for them to remove the information about my account in my credit reports because it's old and they fail to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has refused to remove a debt from a bankruptcy from my credit report. First, we are talking about two entirely separate XXXX XXXX accounts. XXXX XXXXXXXX XXXX  account was a part of a bankruptcy in XXXXXXXX XXXX  bankruptcy court. The bankruptcy that included this XXXX XXXX account went final in XX/XX/2013. Several years after that account was gone. I, XXXX XXXX, took out another XXXX XXXX. XXXX filled the card, never notified me that they now felt I had reinstated the debt from the bankruptcy of $ XXXX and after sending me the New XXXX card, with an entirely different card number, started to dun me for the debt from the bankruptcy. I paid off the balance of the XXXX XXXX they had issued me, which did not show any balance other than the charges I had made on that new card, and began what has become a fight against XXXX bureaucracy to remove the $ XXXX debt that had been in my bankruptcy filing. Again, this seems straightforward. I had a XXXX XXXX account that had a $ XXXX balance, that was wiped away in XX/XX/2013 bankruptcy filing going final. Several years later, I applied for another XXXXXXXX XXXX  and received one with a credit line of {$1000.00}. After using it and paying on it, XXXX said I had accepted the balance of the amount that had been part of my bankruptcy. Over {$5000.00}. I could not convince XXXX that this was wrong on their part. I NEVER saw received any paper or phone call verbally saying I would pay them the dollar amount from the bankruptcy. I then paid off in full the XXXXXXXX XXXX XXXX they had just issued me, with a completely different account number than the old XXXXXXXX XXXX  account number, that had been a part of my final bankruptcy. XXXX seems to be taking some kind of glee out of this whole process. As if they know as long as they say I owe the money from the PRIOR XXXXXXXX XXXX  account that was declared in my XXXX Bankruptcy filing, even though they NEVER TOLD ME EITHER VERBALLY OR IN WRITING that I was accepting the debt from several years ago that had been wiped clean by my XXXX bankruptcy. XXXX XXXX I believe is in the wrong. My lawyer from the bankruptcy even sent them all documents again, but XXXX wrote off the $ XXXX and sold the debt on the open market. I believe that what XXXX did was wrong and against the law. And I believe that XXXX must fully remove all debt they say I owe from my credit reports and further that what XXXX has done to me, for almost XXXX years now since that second XXXXXXXX XXXX I got, that had a credit line of {$1000.00} which I completely paid off and closed and has caused me some very bad nights over the years with the debt collectors continually hate adding me, breaks a rule in law in which I was never given informed consent that opening a new XXXXXXXX XXXX account, would reactivate the debt, a totally different debt with a different account number, and allow XXXX to harass me as they, and the numbers of debt collectors the XXXX debt was sold to after XXXX wrote it off.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting

There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX # XXXX ... & XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I noticed that my rating with Equifax was significantly lower than my rating with the other credit bureaus. I reviewed the report and discovered numerous errors. The summary says that I have too many delinquent accounts, when in fact I don't have any. Secondly, they have my name incorrectly noted. I don't have a middle name, so they put my first name as my middle name and added some bizarre name as my first name. I have spent hours on the phone with them and sent them copies of birth certificate, passport, and driver 's license. I also included a letter from XXXX XXXX, stating that I don't have any delinquent accounts and never did. When I call Equifax and spend hours on the phone, they say that I need to contact XXXX ... I keep telling them that I have and they have a copy of the report from XXXX. They steadfastly refuse to update my name saying now that there is nothing that they can do about a name change! When I ask why was I instructed to send in documentation to prove my legal name, they say that the agent was misinformed. Equifax is abusing privileged information and refuses to work with me on fixing this issue. I am shocked at how inept and incompetent they are. They also employ individuals who are rude and surely - nevermind useless.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported. 

I am providing the following documents to verify my identity and current address : XXXX. A copy of a government-issued ID. 
XXXX. A recent utility bill showing my current address. 

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Please complete this correction within XXXX  days, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

From XXXX to XXXX I held a mortgage with Wells Fargo for a property in XXXX XXXX, New Jersey at an interest rate of 6.75 % I tried to refinance multiple times to a lower rate. Mortgage rates were substantially lower and I never missed a payment despite several adverse circumstances during this time period. Wells Fargo led me to believe that my application was in underwriting. 

However after waiting & waiting for a modification they ALWAYS came back requesting more information. I went through the process at least 5 times. I have everything documented. 

They claimed that the modification application expired 90 days after the original date of application and I would need to start over from the beginning each time. New bank statements, new tax forms, new everything. 

I wrote a letter to the New Jersey Department of Banking and Insurance Consumer Inquiry and Resource Sponsor, XXXX XXXX to report this ordeal XX/XX/XXXX but did not get any response or assistance. The loan number is XXXX. They also erroneously charged me for insurance ignoring the coverage that I already had. 

Please help. It was complete fraud what happened to me. The difference in interest rates caused me substantial financial damage that could have been avoided with a little help from Wells Fargo by reducing my interest rate to a fair, market rates which were no more than 3 % at that time.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.
Product: Debt collection

Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Demand for Immediate Correction of Erroneous Late Payment Reporting I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with SECURITY FIN. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account : 60-Day Late Payment : Incorrectly reported as 60 days late in XXXX, despite my timely payment history. 
Account Status and Remarks : Inaccurately listed as " Closed '' and " Late 60 Days '' on XX/XX/year>, yet no corrections were made following my initial disputes. 
Dispute Status : Incorrectly reflected as " Account not disputed, '' even though Ive raised disputes on XX/XX/year> and XX/XX/year>, which remain unresolved. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting late fees when their phone and website refuse to allow me to pay! I had set up auto drafts and they never set it up appropriately! 

Should be removed XXXXXXXX XXXX XXXXXXXX appears to be a false flood of old information 4 yrs ago no one has ever heard of them! My old doc in XXXX  never worked with them XXXX XXXX XXXX XXXX XXXX No record all paid up doc number directly XXXX XXXX XXXX XXXX called me to say he dont use them and I dont owe! Yet Ive disputed this and called collection of XXXX Numerous times XXXX. Look up their phone This lawyer said he would help and send a letter but he is just as much as any of no good XXXX XXXX XXXX Please get the two charges off my credit file ASAP {$250.00} and other fee account shown separately never owed insurance paid out XXXX!
Product: Credit card or prepaid card

The account was not opened under my permission. I Resolved account and had it closed in XX/XX/XXXX reflecting a balance of {$0.00}. XX/XX/XXXX this company 1st PROGRESS/TSYS/VT -- XXXX XXXX XXXX XXXX 6 months later in XXXX reported a difference balance to the account increased from {$0.00} to {$320.00} in addition yo 120 day late payment. This company is in violation of the Fair Credit Reporting Act and shouldn't be allowed to change data on a closed account without communicating the information 1st. I'm requesting that this account be completely removed and the blocked from reporting information that don't belong to me.
Product: Credit card

For more that 60 days I 've had a credit balance on a card I canceled. When I canceled the card I selected the option to have the credit balance automatically transferred to my bank account. After a few weeks the money was still not transferred, so I called and requested a check, which they promised to send within 10 business days. More than 30 days have passed and still I have n't received my money from them.
Product: Debt collection

15 usc 1692c ( c ) collections Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


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

My personal data has been breached at least XXXX times between XXXX and XX/XX/XXXX. Every piece of my personal data has been exposed to the world. Including my home address, email address, phone number, social security number and date of birth. This is deeply troubling and scary as a woman I feel very exposed and don't know how to handle this. I was made aware that there was a claim that could have been filed however I missed the cut off date but that wasn't really important to me. I'm sure that I can be made whole without the need for financial compensation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting these accounts have violated my rights.


15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]