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

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN****** NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX Account number XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$3900.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  XXXX  Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Balance {$3900.00} XXXX BANK Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I have told the following companies that they are improperly reporting things that I was victim of identity theft that I did not do. I have filed a case with the FTC 2 years ago. 

Dear Sir or Madam : 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. 

XXXX XXXX  ( POSING AS XXXX XXXX  XXXX FRAUDULENTLY ) XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX ) XXXX XXXX ( XXXX TBO XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Thank you.
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXXXXXX XXXX  XXXX with XXXX in XXXX XXXX XXXX XXXX. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and XXXX, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX XXXX
Product: Mortgage

We requested and received a mortgage forbearance due to the COVID crisis. After we were approved for the forbearance, we contacted PHH Mortgage ( our mortgage finance company ) to discuss repayment options for the forbearance amount. Despite of telling the company that we were unable to make a lump sum payment at the end of the forbearance, PHH has refused to offer any other options such as placing the forbearance amount on the end of the loan or allowing us to pay it back over the remaining mortgage payments ( approx. 180 payments ). Therefore, we are reaching out to CFPB to see what other  options are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}
Product: Checking or savings account

Capital One 360 Bank have misinformed me about the availability of my funds. I have not had access to my funds since Friday XX/XX/2021. I deposited my check of {$5000.00} before XXXX on a XXXX XXXX. It is XX/XX/2021 and the bank has yet to release a Partial Release of {$250.00}. I have had no funds for 4 days during a Pandemic and Massive XXXX XXXX that hit New York. 
On Sunday XX/XX/2021, I contacted Capital One 360 about the availability of those funds to no avail. I went ahead and deposited another {$2500.00} and the bank message stated the funds will be available on XX/XX/XXXX. In addition, two representatives confirmed partial releases would occur on Monday XX/XX/2021. 

I'm distraught that Capital One 360 has held my money hostage for all these days. In the past I have made similar deposits of the same amount or more and had no issue getting partial releases etc. Capital One 360 is not adhering to federal rules and regulations and their shoot from the hip style policies is detrimental. 

Please investigate and I would like to be added damages of {$100.00} per day without the access of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX today XX/XX/XXXX at XXXX at XXXX pm for XXXX minutes. I spoke with a representative and told him that XXXX XXXX is still reporting incorrectly on all 3 of my credit bureaus. He explained they are reporting real time, I explained to him that they are reporting as charge off when this was settled and paid XX/XX/XXXX. The representative told me to dispute it with all 3 credit bureaus to get resolved.
Product: Debt collection

XX/XX/XXXX Called stating I am owe an Admin fee to an apartment complex. I stated I never lived there. He said well the still have an admin fee you owe. I said no, he started going back and forth with me, stating it's going to be on my credit, I better pay it. I said do not call anymore and he was harassing me. I hung up. Another person called right back same number. I said didn't I tell you not to call me, she said haven't spoken to you. I stated to her, do not call me again. I hung up, then blocked the number. 
XX/XX/XXXX Even though they are blocked, they have called 4 times and left harassed messages
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by an insurance company that I was not given the best rate due to information supplied by LexisNexis. I contacted LexisNexis at their designated contact point ( an online website ) on XX/XX/203. On XX/XX/XXXX I received a letter, that directed me to a web URL to see my report with a PIN ... .which did not work. 

I called LexisNexis ( LN ) on XX/XX/2023 to report this broken system, and was told all I could do was await a written copy of my file in the mail in 7 to 10 more days. I was also told this was a known issue - that many people were unable to see their reports. 

I received another letter on XX/XX/XXXX. Inside were 7 pages of 'boilerplate ' ( frequently asked questions, how to request an investigation, a summary of the FCRA XXXX etc )- but NO CREDIT REPORT. 

I called LN on XX/XX/2023 and spent another 45 minutes trying to get the report I have a right to. I am being told now that all they can do is again request the report be printed and sent. I requested an emailed copy, but denied. I requested that they send this second printed report via XXXX  or other overnight carriers, and was denied this also. 

None of this behavior is in either the spirit nor the letter of the Fair Credit Reporting Act. 
I believe there is inaccurate information in my report, and I am being denied access to it. 

I feel I am entitled to compensation for the 2 hours I've spent trying to get this report, when it should be available very simply.
Product: Credit card or prepaid card

I have a Wells Fargo Propel card with statements closing on the XXXX of each month. 
On XX/XX/XXXX I have noticed that my statement has closed and made required payment ( XXXX dollars with XXXX minimum due ). 
XX/XX/XXXX statement shows payment in transactions - yet still marks account with no payment received and assess XXXX late fee. 
On XX/XX/XXXX, I call CS to fix the issue and told that I have made payment " too soon '' -  even though it is clearly some sort of the system issue on WF side. 
No apology was offered and no assurance that my credit is not damaged - even though account was marked as 30 days delinquent - as my direct request to submit corrected info to credit bureau seems to be ignored.
Product: Mortgage

XX/XX/XXXX lost job due to XXXX  shutdown of business I worked for. 
Heard about various options for mortgage help Contacted lender ( US Bank ) for information Received correspondence from US Bank in XXXX XXXX regarding forbearance From that point on it has literally been a hamster wheel in action Each customer service rep who answers the phone has a different story, different requirements to proceed, has no idea what the previous representative has done, said, etc, etc. 
Keep getting letters and forms in mail, some with an identical date, but with totally different content. 
Contacted them in XX/XX/XXXX and told them I had returned to work, wanted to resume mortgage payments. Rep said not to make payments. I did, however send in some. Don't know what happened to them. 
XXXX, XXXX rec 'd letter that a foreclosure action has been initiated. 
XX/XX/XXXX rec 'd letter offering to enter into trial period plan under FHA Hamp combo modification. 
I have no idea what all this means, why the story changes weekly, and I need some help desperately. PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several fraudulent accounts and inquiries that I did not authorize, consent to, or benefit from. I immediately contacted the creditors and the credit bureaus, but no one has been willing to assist me in resolving these issues. Despite my efforts, including filing a new FTC report ( attached ), nothing has been done. 

This situation has caused me significant emotional distress and anxiety, and I am demanding that these fraudulent accounts and inquiries be blocked and removed from my credit report as required under the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through XXXX XXXX XXXX XXXX and Equifax XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$340.00} XXXX. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Collection {$840.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Collection Balance {$330.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Collection Balance {$570.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} INQUIRIES : XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair credit importing act whenever a consumer reporting agency proposes a consumer report shall follow reasonable procedures to the share maximum possible accuracy of the information concerning the individual about whom the report relates every closed account except XXXX XXXX XXXX  is incorrect
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally lodge a complaint against Capital One Bank regarding significant delays in processing direct deposits. This issue has disrupted my financial stability, and I understand from online forums and customer reports that thousands of other customers are also affected. 

Since Wednesday, XX/XX/year>, my direct deposit, which I rely on for essential expenses, has been delayed without any clear explanation or timeframe for resolution provided by the bank. Repeated attempts to obtain information from customer service have resulted in vague responses, leaving me and many others without a solution or plan. 

As a result, I have incurred bounced payment fees and other financial hardships, including bill payments bouncing, loss of established payment plans from creditors. This lack of transparency and timely action from Capital One Bank is unacceptable, particularly for customers who rely on direct deposits for their livelihood. 
( See video file of Capital One refusing to answer phone calls I waited over an hour on that call ) Please let me know if further information or documentation is required. I am confident that the CFPB will address this matter to ensure accountability and protect consumers from undue financial hardship. 

Thank you for your attention to this urgent matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge of them, and the company conducted them without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding an account with XXXX  ( Account # XXXX ) *. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported is accurate and complete. After reviewing the details of the account, I have identified several discrepancies that require your prompt investigation and correction. 

Details of Discrepancies 1. Inconsistent Reporting Dates : The Date Reported field varies between the credit bureaus : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX also lists XX/XX/XXXX. Reporting dates should be consistent if the information was updated simultaneously. 
Action Requested : Please verify the correct reporting date and ensure consistency across all credit bureaus. 
XXXX. Missing Payment History ( XXXX ) : XXXX does not include any payment history for this account, while both Experian and XXXX show missed payments from XX/XX/XXXX to XX/XX/XXXX. A complete payment history is essential for accuracy and compliance with the FCRA. 
Action Requested : Confirm why payment history is missing for XXXX and update the report to reflect the accurate payment record. 
3. Charge-Off Status and Timeline : The account was opened in XX/XX/XXXX, yet it reflects a charge-off as early as XX/XX/XXXX. Given the short timeline, this raises questions about whether the charge-off was processed correctly. Secured loans typically involve collateral, and the creditors policies should align with industry standards for charge-off timing. 
Action Requested : Please verify the timeline for delinquency and confirm whether the charge-off was applied accurately according to the creditors policies. 
4. Credit Limit Reporting : The account lists a credit limit of {$0.00} for a secured loan. This is inconsistent with how secured loans are typically reported, as the limit should reflect the loan or collateral amount. 
Action Requested : Confirm and update the credit limit to accurately reflect the loan terms. 
XXXX. Dispute Status : The report indicates that the account has not been disputed, yet this information is under review. If any previous disputes were filed, this status should reflect that history. 
Action Requested : Confirm and update the dispute status if prior disputes were initiated. Action Requested I respec
tfully request that you : 1. Investigate the discrepancies outlined above and verify the accuracy of the information with the creditor ( XXXX ). 
XXXX. Provide me with an updated credit report reflecting the corrected and complete details. 
XXXX. Inform me of the results of your investigation within 30 days, as required by law. 

I have enclosed a copy of my identification and a copy of the relevant credit report for your reference. 
Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN # XXXX XXXX XXXX XX/XX/year> Wakefield & Associates is  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Subject XXXX Cease and Desist Demand Regarding Debt Collection To Whom It May Concern, I am writing to formally request that you cease and desist all communication and collection activities regarding the alleged debt associated with my account XXXX {$650.00}. 

This letter serves as a formal request for validation of the debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I request that you provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A detailed statement of the account, including any fees or charges.

4. Verification that you are authorized to collect on this debt.

Furthermore, pursuant to 15 U.S.C. 1692c, I request that you cease all communication with me at my workplace and any other inconvenient times or locations. Any further contact regarding this matter should be conducted in writing only. 

Please consider this letter a formal demand that you stop all collection activities until you have provided the requested validation of the debt. If you do not comply with this request, I will consider taking appropriate legal action against your agency for violations of the FDCPA. 

I expect to receive your written response within 30 days from the date of this letter. 

Thank you for your immediate attention to this matter. I look forward to resolving this issue amicably. 

Sincerely, XXXX XXXX
Product: Mortgage

I made the  XXXX  payment of my mortgage on  XXXX   XXXX .  1st Alliance  and their mortgage servicer   XXXX   charged me a " late '' fee because they assumed the payment was for  XXXX . I had made  XXXX  's payment at the beginning of  XXXX  and am current on all my payments.     This is just a way to fleece money from people. Who heard of charging a late fee when you pay early?
Product: Mortgage

I have this house since XXXX and the total price was XXXX I have being paying all this years and my total today is XXXX and no one can why the price is going up instead of go down with me paying all this years A keep asking for some to investigate in the matter and no one since to be able to help me with this,, I would like for some make them explain and tell me where all this money is coming from.