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

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file.Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. So have these accounts DELETED from my file just like other credit bureaus did : 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

I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies Transunion, XXXX, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.
Product: Credit card or prepaid card

In XX/XX/2020 this company reported my account as 30 days late. I pay all payments through their app and didnt receive a payment alert nor a phone call indicating it was late. I want this payment to be reported as current. This company also reduced my credit limit by 50 %. I want my {$5000.00} limit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres things on my credit report thats over 90 days old
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent XXXX disputes to Equfax about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX OR AND Open balance XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX OR AND Open balance XXXX XXXX XXXX XXXX. 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Freedom Mortgage continues to show last payment received was XX/XX/XXXX. This inaccurate. Per response from a previous complaint, Freedom Mortgage stated that XX/XX/XXXX payment had not been received. I sent Freedom Mortgage verification that payments had been received. confirmation of online payments and the XXXX banking statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Due to death in family, which led to temporary  financial hardship, I had requested to put off XX/XX/XXXX mortgage payment. Since I had not received any correspondence/ telephone call, I had been led to believe that Freedom Mortgage consented to my request. Freedom Mortgage inaccurate reporting has resulted in scores dropping, being denied refinancing/ person loans. Freedom Mortgages unwillingness to contact customer, has resulted in seeking legal action. This has been ongoing since XX/XX/XXXX. I have submitted letters to the executive staff, XXXX, IN.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!
Product: Mortgage

Hello, I bought a home and my mortgage was sold to wellsfargo. 
For yeas they weren't paying the county taxes out of my escrow. When I informed them that the property taxes weren't being paid they paid them out of what we had saved in escrow and left us with a shortage. I do not believe we should have to pay the back percentage of late fees that have added up. Wells Fargo said they were not going to make us pay but there is nothing in writing stating that we didn't have to pay these late fees for years. 

Second, I pay a high risk mortgage loan insurance to them. It was supposed to come off when we had either met time requirement or paid into the mortgage by so much. When I called to have this removed, they said that my window to remove the high risk insurance had passed and we were stuck with it until BOTH the time and payment amounts were met. They wouldn't tell me how long this window was open. They also denied their interest in refinancing to take off the loan. ( Of course ) We're now looking into refinancing with our credit union and being done with Wellsfargo completely. 

Can you help me?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX Account number XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding my credit report, which contains inaccuracies that require your attention. Specifically, I dispute this account : XXXX XXXX XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am puzzled as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 3 account and inquiries I did not authorize
Product: Mortgage

I have an insurance claim filed with USAA the adjuster show a replacement cost of {$34000.00} less recoverable depreciation of XXXX less my deductible of {$2000.00} with a actual cash value of {$25000.00}. This check was received on the XX/XX/2024 and overnighted to the servicer on XX/XX/2024. I waited 2 days to call the servicer to ensure that it was processed. In that conversation I was told that because I had late payments, they were going to ensure that the work was completed and subject me to inspections I told them that strangers coming into my house create a problem with my XXXX. The told me that it was their policy, and it seems if I want my house fixed that I would comply. I sent a complaint to HUD under XXXX and now they have responded with sending back {$6300.00} of the {$25000.00} to get my {$14000.00} roof fixed along with all the other repairs that are needed. It seems like retaliation for reporting them for XXXX XXXX XXXX XXXX. It also seems like theft, fraud etc. The money from the insurance company is to repair my house not to safeguard their position with their loan. In addition, it is making it very difficult to get my home repaired. Most contractors don't take a job without the basic amount for materials paid. I can't tell where the problem is but XXXX XXXX has been abusive and difficult the entire time, they have serviced my loan. They don't care about my XXXX ; they constantly send people to my house to spy on me. I see them taking pictures all the time. The XXXX  said that XXXX XXXX has not been reporting this to them, but they are charging me for this. Who knows who is responsible it may be USAA as an insurance company wanting to keep the money in house. Either way my house needs to be fixed and the emotional toll this entire process is taking on me is why too much. A separate issue since I am 100 % XXXX, I am exempt from property taxes for this reason a portion of my escrow was returned to them by the county I have shared with them that I am exempt, and they keep increasing my escrow accounts and I am still paying tax escrow. It's not helping me stay current on my loan with all the additional fees.
Product: Debt collection

I sent a request to cease further communication with People Finance XXXX, TX. 
I told them due to a significant hardship, I was unable to make payments toward the debt at this time, however I was working diligently to resolve all my debts. 

Please accept the letter as my written request to cease all telephone calls, whether it be at my home, my workplace, my cell phone or any other means of communication to reach me. 

I verified that the letter was received last week - week of XX/XX/XXXX. They said they did not care about the letter and they would continue to make collection calls daily.
Product: Credit card or prepaid card

I went to XXXX in XXXX of XXXX looking to buy a house. 
I ordered a Glassdoor for my bathroom on XX/XX/XXXX, the merchant " XXXX XXXX '' charged {$280.00} ( XXXX soles ) and agreed to have it installed by XX/XX/XXXX, Since I was using my credit card to make the payment I made the mistake of paying him in full. When the due date came the merchant never showed up. I called him many times but he never answered my calls. I needed to move into my new house by the end of XXXX so I ordered the door from a new merchant and placed a complaint with the bank. The bank gave me the credit for the full amount and I thought the deal was over. 
In XXXX I received a letter from the bank requesting me additional documents and the credit was reversed, by then I was already in my new house, and the Pandemia has forced the government to put us in quarantine. On XX/XX/XXXX I sent a letter to the bank letting them know that the merchant never finished his job. Finally, on the XXXX of XXXX, the merchandise answered me saying he will back in XXXX the following Tuesday to install the door. 
It was very difficult for me to communicate with the bank I couldn't get internet services for the new house before the lock-up I was just limited to my phone. 
When I got back home, I sent a letter to the bank with a full explanation of what had happened.
Product: Debt collection

The debt collection company Credence disclosed account information with my XXXX  who also has the same name they have been XXXX him and calling him regarding a debt that is not owed by him but myself trying to get him to pay he is a XXXX who does not speak XXXX so when they called he thought the debt collection was his when Im fact its was not. They tried to settle with him and disclosed the amounts. When I called credence to verify the debt they agreed with me that they broke the law about discussing the private account information with someone else and they did not properly verify the identity of the person they talked to. I asked why they charged me the amount that they did and they said for contract cancellations of XXXX XXXX XXXX but I am a employee and have no contract with them.
Product: Credit card

I had a credit card from Barclays, that was sold to XXXX, years ago. I ask for a balance transfer from XXXX XXXX for {$1800.00} to send to XXXX XXXX. I made a mistake and had the {$1800.00} sent to Barclays, since i had an account with them years past. They have the same account numbers. I saw that i made the mistake when the {$1800.00} wasn't credited to my XXXX credit card. I called Barclays, and told them what happened and they said that they never received it. I called XXXX XXXX Credit Card, and they sent me a copy of the check, front and back. Barclays cashed the check on XX/XX/year>. I faxed a copy of the check to Barclays. They are still insisting that they never cashed the check. So now i am paying the balance transfer off and never got credited from XXXX, and out {$1800.00} plus interest. I feel that Barclays is actually stealing the money from me. I just got off the phone with Barclays and they are playing dumb. This is very frustrating. I hope that you can get my money back, plus interest. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX Credit Account Number : XXXX Amount : {$18000.00} I previously submitted a dispute to [ Equifax ] regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2021 at XXXX hours I visited Bank Of America at XXXX XXXX XXXX XXXX XXXX Ma XXXX and inserted my credit card in the lobby ATM to make my credit card payment in full. I followed the prompts and inserted {$1000.00} cash, the ATM was processing my transaction and then gave the following message on the screen, We apologize for the inconvenience. We are unable to process your request and can not return your items. please contact our electronic claims team at XXXX XXXX XXXX XXXX to discuss this transaction, i called the number and was redirected several times before getting to the right agent. her name was XXXX, she opened a claim but could not tell me anything that was going to happen accept that it could take up to 2 billing cycles to resolve. 2 MONTHS!!! 
I told her this was unacceptable and that i wanted to speak to some at a higher level. She told me that was not possible that this was there process and that i would receive a letter in the mail. 
I contacted the bank the next day and spoke with XXXX XXXX bank manager. XXXX looked into my complaint and contacted me later that day to tell me that he could not get any information because the ATM is handled by a third party company and told me to contact the credit card company again. 
i contacted the credit card XXXX number and was told the same thing, there is nothing they can due for me and that it could take up to 2 months to resolve but the bill will have to be paid in full or i will accrue late fees and interest. mean while I'm out {$1000.00} This is an unacceptable response from a bank and no one will help me. 
PLEASE HELP!!!
Product: Checking or savings account

i have this problem with chase bank i have a saving account but i havent use it for long time so when i try to use it i call and they told me that my account is inactive and that they send a letter notify me but i never recieved one so they want me to step on a branch but i cant go i live in XXXX and i just came out of a XXXX and i really need to have acces to my money because i need to continue with my medical treatment plus i need help to get access to my online banking because i need to updated my contact information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a police report and sent letters in regards to this matter. I have never had credit cards or an account with XXXX XXXX. This is in regards to both accounts below : I have attached a copy of my police report with XXXX police department. Police report XXXX XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$2900.00} XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$5600.00} XXXX XXXX  account XXXX XXXX {$2900.00} XXXX XXXX  account XXXX XXXX {$5600.00}
Product: Credit card or prepaid card

On XX/XX/XXXX capitalone sent me a bill for {$160.00}. On XX/XX/XXXX i paid {$150.00}, only 24 days late. 
Capitalone marked my cre for 30 days late for this transaction which violates FDCPA. 
I have been trying to rectify this discrepancy with them for over 4 months. Original cfpb complaint XXXX. Attached is capitalone response claiming payment was made on XX/XX/XXXX for {$150.00} yet their own records show XX/XX/XXXX. 
This is an agreegious act to abuse their power of credit reporting and will not be tolerated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and request an investigation into the inaccurate information present on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$6700.00} Please remove it from my credit report.