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

Equifax is refusing to further investigate the error that is now showing on my XXXX mortgage payment for XXXX XXXX XXXX. Originally XX/XX/year> was reported 30 days late. This error was disputed and updated as it should have been. Then within 30 days XXXX was reflecting the same late payment. XXXX was NOT paid 30 days late either! XXXX was disputed and updated because it was paid in time and XXXX was proven to be paid in time as well. Upon contacting XXXX I was informed that the XXXX error was being reported in XXXX because they did not report it in time to show in XXXX. This is a false statement. The error appeared for XXXX hence the initial dispute. XXXX is refusing to personally admit their error and has provided a statement that is full of lies or false information. A mortgage company can not intentionally report an error that has already been disputed and updated on my credit report just the harm my credit, yet this is exactly what they have done. Additionally, mortgage services must comply with federal rules and it states that my credit report should be protected from errors. If an error is reported to your servicer regarding a payment dispute, your servicers is not allowed to send negative information to credit reporting company regarding that payment for 60 days after receiving notice of the error. The same error was reported less than 30 days apart. Proof is attached. XXXX is in violation of that law as well as I have proven that my payments are not being credited to my account until after they have cleared my Regions account. This is also an error as payments are to be credited as of " date of receipt ''. Since XX/XX/year> they have failed to properly credit my account and this is why XXXX had to be disputed in the first place.
Product: Debt collection

Keep receiving calls from MCM, I have asked several times for them to us USPS they have not. They have sued me before for a credit card debt that was for {$75.00}. They garnished me for over {$1200.00}. I have blocked their calls several times and they just use different numbers. I have now just told them it is not my phone number. I believe the original debt was for less then {$150.00} from 2016, as the credit card limit was {$250.00}. 
Please help. 
I have attached screenshot of calls from the last to months with their company calling on their business number. I have many more from private phone numbers.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On two ( 2 ) different occasions, Ally Financial as failed to effectively communicate with me the following : 1. How much they sold the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX that I had leased. 
2. Why they refused to offer my financing rates upon the end of my lease regarding the XXXX XXXX that I had leased. 
3. The status/location of the XXXX XXXX XXXX XXXX for which I was in an accident in on XX/XX/XXXX. Although they claim I did not have collision on the vehicle at the time, I have proof that is attached to this email that shows I did indeed believe I had or would have collision coverage on my policy. 
4. My personal belongings located inside of the XXXX XXXX XXXX XXXX have not been returned to me. 
5. Why XXXX XXXX did not respond to my faxed letters. 
6. I did purchase GAP insurance through the company XXXX. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not 100 percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

My data was breached in XXXX and beginning of XX/XX/2021, by someone in XXXX. They got a hold of all my personal information including social security, drivers license that now is marked, checking account and savings account. They wiped my account cleaned and leaving me in negative. Plus, they took out a personal loan with Upgrade for {$7000.00}. They are aware of this situation as I reported to them immediately and gave them police records, Fraudulent identification papers. Now, they have ruin my credit and threatening me to pay them the money and trying to withdraw money from my new checking account, which I do not know how they got it. Reporting late now after several months 30 days past due. This account is not mine and now they want me to make payments. I never received money or have any loan with them. Just because my husband had a loan in the past with this company and was paid off. Doesnt mean that I have a loan with them. I call them every single day and leave messages no call backs. 
I been dealing with this issue since I found out in XXXX of 2021. We are in XXXX and no results, except for them now reporting to my credit and ruining my credit. 

Please help me out.
Product: Credit card

I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX XXXXXXXX, Balance : {$750.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXXXXXX, Balance : {$480.00} ), XXXX, XXXX ( Date Opened : XXXXXXXX XXXX XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXXXXXX XXXXXXXX, Balance : {$290.00} XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I tried their Capital One Shopping service. After earned $ XXXX in my account, I tried to redeem a gift card, but they closed my account without any reasons and didn't give me a XXXX back... They didn't respond to my email at all. I contacted Captial One customer service by phone and sent an email to XXXX, but they couldn't help. Also, filed a XXXX  complaint, but no help as well. This is the last time in good faith trying to solve problem with them directly, and will take it to small claim if no result after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items and closed accounts on my credit report with Equifax and XXXX for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX someone was using my cash app to send themselves money somehow wether my phone was hacked card was hacked or a friend was doing it family me never whatever the case I releaized on the XXXX that I was missing funds. So I called the bank immediately and put my claim in A couple weeks Pryor the bank had sent me a suspicious activity notice and shut my card off but I was on vacation with my girlfriend in an area I normally wouldnt be so I just assumed that was the reason for the stoppage and didnt think any big deal about it well turns out that that was bxc of the transactions on my account which I told them I did that well theyre saying bxc it started the XXXX and I didnt submit the claim until the XXXX that was there reason for denying my fraud claim when k was upfront honest and just needed my bank to protect me and refund my money I cried to them on the phone bxc that Im is the most bogus decision Ive ever heard I had them reopen my case I URGENTLY NEED HELP IM RUNNING OUT OF FUNDS AND IDK WHAT TO DO THE CLAIM IS FOR XXXX that might not be a lot to Bank of America but thats everything to me and I have to have my money back
Product: Credit reporting or other personal consumer reports

Consumer name XXXX XXXX ss # XXXX doa XX/XX/XXXX Thus cfpb complaint is has been filed to request pursuant to the FCRA 605B ( 15U.S.C 1681c-2 ) that you, the Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX # XXXX, XXXX  XXXX reported XX/XX/XXXX XXXX # XXXX, XXXX XXXX  XXXX  reported XX/XX/XXXX, XXXX XXXX reported XX/XX/XXXX XXXX # XXXX, First premier reported XX/XX/XXXX acct # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

CFPB Case # XXXX XXXX This is to inform CFPB that capital one bank has refused to remove the {$1600.00} fraudulent charge by XXXX from my closed account : and has reported it to the credit bureau and collections. Thus, Capital one bank has brought down my credit score from " Excellent '' to " Fair ''. Consequently, I am forced to make payment arrangement with capital one bank to pay the debt, and then sue XXXX to recover my money.
Product: Debt collection

I noticed this company reporting a debt on my credit report that I am unaware of. I did not have the opportunity to dispute this debt because I did not receive proper notification. If in fact, you believe I received proper notification, please send me a copy of the certified mailing receipt with my signature. If this information can not be provided, it should immediately removed from my credit report.
Product: Credit reporting or other personal consumer reports

Resolution of Unauthorized Credit Inquiries and Violations of FCRA and Washington CPA On or about XX/XX/XXXX, I visited XXXX XXXX to test drive a vehicle. During my visit, the salesman employed underhanded tactics by running my credit through multiple banks without my consent. I made it clear that I was not intending to purchase the vehicle at that time, yet they proceeded with the inquiries. I was told by the dealership that they would do their best to get the inquiries removed, but to date, they have not been removed from my credit report. 

**Violations : ** - Under the **Fair Credit Reporting Act ( FCRA ), ** running my credit without my explicit permission constitutes a violation of 1681b, which governs permissible purposes for obtaining a consumer report. There was no permissible purpose for the multiple inquiries as I was not attempting to enter into a credit transaction. 
- Additionally, the dealership 's deceptive practices could also fall under **Washingtons Consumer Protection Act ( CPA ) ** for engaging in unfair or deceptive acts in trade or commerce, as outlined in RCW 19.86.020.
Product: Credit reporting or other personal consumer reports

I recenty reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This is a demand for the immediate correction of inaccurate late payments reported by XXXX and TransUnion. As a consumer, I am fully entitled to accurate and timely reporting under the Fair Credit Reporting Act ( FCRA ). I am demanding that both of these agencies correct these inaccuracies immediately. XXXX has already corrected all of these accounts, and XXXX and TransUnion must do the same without delay. 

XXXX XXXX ( XX/XX/XXXX ) : This account is incorrectly reported as late. The payment was not late and must be updated to " current '' status immediately. 
XXXX XXXX ( XXXX XXXX ) : Payments were made under a payment plan. Under 15 U.S.C. 1666b, reporting these as late is unlawful. Even if there were no payment plan, this remains a violation of my rights. This must be corrected now. 
XXXX XXXX : XX/XX/XXXX : Payment was deferred due to a hurricane, not a late payment. Reporting this as late is a violation of consumer rights and must be corrected immediately. 
XX/XX/XXXX- XX/XX/XXXX : Payments were made on time. This error must be corrected without further delay. 
XXXX XXXX ( XXXX & XX/XX/XXXX ) : These months must be updated to " current '' status, as they were inaccurately reported. 
XXXX has been sued by the Consumer Financial Protection Bureau ( CFPB ) for mishandling consumer credit information, which is an indication of its failure to follow proper procedures. TransUnion is not immune from scrutiny either, and I will not tolerate its disregard for consumer protection laws. Additionally, the XXXX data breach has already caused significant damage to my credit. These reporting agencies must now correct their mistakes without further delay. 

Your agencies negligence in reporting late payments that never occurred is not just a mistakeit 's a violation of my consumer rights. I demand these corrections be made immediately, or I will pursue further legal action. Your failure to comply with the law and correct these inaccuracies will be reported to the CFPB and other relevant authorities. 

These errors have caused harm to my credit, and I insist they be fixed now. I will not allow these errors to continue. You are legally obligated to correct them and restore my credit status to its rightful standing.
Product: Mortgage

We are writing to file a complaint against Wells Fargo Home Mortgage company regarding the loss of XXXX short sale offers on our home and for forcing us in to taking house off the market. 
On XXXX XXXX, XXXX our real estate agent along with our attorney filed an offer with Wells Fargo on our property XXXX XXXX XXXX XXXX. XXXX, CT XXXX. 
After going through the required procedures on XXXX XXXX Wells Fargo notified our Attorney stating that the given offer did not meet there minimum requirements of {$240000.00} ( please see attached letter stating such. ) the offer submitted was for {$270000.00} ( see attached offer ) after all the fee 's, the offer exceeded their expectations by {$510.00}. Our Attorney at least once a week contacted Wells Fargo to get some clarification on this with no success, nobody could give us an answer. 
On XXXX XXXX ( 2 months later ) our attorney called yet again to try and get an answer, this is where we found out that ( Wells Fargo ) XXXX in the liquidations Dept. stated that as of XXXX XXXX the system showed that the file was removed from the short sale review and no reason was listed, our attorney than left messages with a XXXX XXXX ( preservation specialist assigned to our case ) and XXXX XXXX ( XXXX 's supervisor ) and received no response. On XXXX XXXX they were able to speak to a XXXX who stated that our account became active in the short sale review on XXXX/XXXX/XXXX and gave our attorney a list of requested documents needed. 
Wells Fargo CLOSED the original short sale request after 6 months with NO notification and NO reason and then REOPENED it! at which point we were required to start all over from the beginning!! Needless to say the potential buyers backed out because of the banks negligence. We are truly disgusted and appalled that a business can be run this way. 
On XXXX XXXX, another offer ( see attached ) had been submitted for a little bit more money than the first offer, which means the requirements are again EXCEEDING the banks exceptions by even more. On XXXX XXXX, XXXX we received notification from Wells Fargo that they have accepted the current offer but changes the closing cost credit from {$6000.00} to {$2700.00}, needless to say the couple that put the offer in did n't like that and they backed out. 
At this point we filed for a Deed in Lieu of Foreclosure as Wells Fargo denied us because they stated the house was not maintained. We moved south in XXXX XXXX, we had people maintaining the house. XXXX XXXX we had someone go to property to winterize the home, this is when we found out that someone had seized the home and changed the locks. We along with Congressman XXXX office in Connecticut contacted Wells Fargo right away, Wells Fargo is stating they did not seize our house, we know that Wells Fargo hires 3 party companies to this for them so not only where we not able to maintain the house we had to take it off the market because our real estate agent could access the house for showings. As of today still no keys.
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.  XXXX  sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX