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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on my complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on several things that Equifax refuses to actually do their diligence. There are several items listed on my credit file that ARE PAST THE STATUE OF LIMITATIONS. Equifax is the only company that is reporting old information. The fact that they will not even respond to the government agency is only an example of the issues the common person has. They need to deleted out dated information.
Product: Mortgage

A foreclosure Lawsuit was filed against the Borrower on or About XXXX XXXX, XX/XX/XXXX. The Borrower was defaulted from her loan because of several mistakes made by her servicers during various transfers of her loan to XXXX another. 

As a result of their mistakes they stopped accepting her payments and defaulted her. On or about XXXX of XX/XX/XXXX, The Borrower was granted a loan modification trial period by XXXX XXXX following a complaint to the CFPB. 

Immediately upon granting The Borrower a loan modification, XXXX XXXX sold her loan to Selene Finance. Because of the transfer, approximately two months passed before The Borrower was able to make loan modification payments. 

On or about XXXX of XX/XX/XXXX, The Borrower completed her trial payments. In XXXX of XX/XX/XXXX Selene Finance mailed out the final modification packet, and The Borrower immediately signed it and returned it. ( See attached correspondence and loan mod documents ). 

The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 

Trial is scheduled for XXXX XXXX, XX/XX/2015. While Selene finance has outstanding customer service, their legal department is sluggish and takes months at a time to update their files, complete documents, or instruct their attorneys. 

The Borrower is in her mid XXXX and suffers from XXXX. She is undergoing a lot of stress and fears that the Court will take away her home despite her settlement with Selene Finance.
Product: Checking or savings account

My wife was paid by check from her employer on XX/XX/XXXX and she did a mobile deposit with Wells Fargo. The funds are not available at this time due to whatever reason. The total amount for this transaction deposit is {$1000.00} and 100 % of the amount is still on hold as of XX/XX/XXXX. Wells Fargo ( My bank ) has already received the funds from XXXX ( Payers Bank ). I have a copy of the check from XXXX proving the funds have been paid on their end, and I have a bank statement proving funds have been withdrawn. Wells Fargo is illegally holding my funds for no reason as this transaction is valid and nothing to do with fraud. Wells Fargo has caused unnecessary stress in my home and I demand a full investigation. 

Wells Fargo has stated they contacted XXXX bank to verify funds, but after my manager spoke to XXXX Bank in concerns with the funds being withdrawn, XXXX informed my XXXX that Wells Fargo had not contacted them. 

This is deceiving a customer and it is in violation of the UDAAP. I need resolve now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that 4 companies XXXX Bank, XXXX XXXX XXXX XXXX XXXX and Freedom Plus not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.
Product: Credit reporting or other personal consumer reports

This account is reporting to the consumer reporting agencies as late. I was not late on this account. I want to ensure that the consumer reporting agencies receive my letter with no interference or stalling.
Product: Credit reporting or other personal consumer reports

I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter. 

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity.

2. Address Update : My current residential address is : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, Equifax is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue with each credit bureau, XXXX, Experian and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Product: Credit card or prepaid card

Recently I change my cell phone carrier and my Cell phone number. I tried four times to submit information my photo ID to the credit card company each time they seem to have a problem getting my information and it has been two weeks of trying unsuccessfully to get my information updated. On every occasion that Ive contacted the credit card company Capital One theyve had an excuse for why the information can not be updated but offered no solution. Capital one is denying me access to my account information via my online service. Im hard of hearing so its extremely difficult for me to try to do things on my regular phone cell service since my XXXX with my hearing. After several requests I opted to go ahead and cancel his credit card because of the nonstop issue an ongoing frustration that Ive had with trying to communicate with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX addressed to the Credit bureaus requesting to remove the NAMES, ADDRESSES, and Public Informartion that is UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. If Experian and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I need the Credit Bureaus to please remove the disputed items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive had a loan with this company for 2.5 years and paid off the balance in full XX/XX/XXXX before the 72 months I contracted for. This was my 2nd loan Ive successfully paid off with this creditor. I made all my contractual payments before the XXXX day credit report hit and incurred XXXX post grace period late payments during my time. Not XXXX time did the company report any of my late payment fees to the credit report as 30 days past due. All 14 late payment fees went past 30 days into the next month. Never reported a 30day breach to any credit bureau. I paid off my full principle and interest balance on XXXX 1 day before the XXXX  day would have hit my report as negative. I only had {$460.00} dollars remaining of late fees. I called the day I made the final payment to confirm the late fees would not be reported to the credit bureau as 30 day hit because all the fees were past 30 days before and was never reported. I have a 100 % credit history on all 3 credit bureaus with this merchant. It was confirmed the late fees would not get reported but stated I would still have the balance and wouldnt get a title until the late fees were paid. I paid the late fees in full XX/XX/XXXX. The account was closed. XX/XX/XXXX of XXXX the merchant reported my late fee payment to the credit bureau as 30 days late for XXXX. I disputed it because the account was paid in full for principle and interest and I did not have a XX/XX/XXXX payment due. XXXX removed the late payment and gave me back my XXXX points lost on XX/XX/XXXX. The company sent me a letter reading the would not remove the hit because the late fees were paid after 30 days. I disputed it again and the case is pending. I cited the FCRA and how none of my late payments had been reported 30 days late and that breached the accurate and consistent requirement of the act. The merchant updated the late payment from XXXX as reported in error previously to XX/XX/XXXX being 30 days late. I provided a snippet from my payment history showing I had no balance except late fees when I made the final payment on XX/XX/XXXX which was the XXXX day and not the XXXX day. They have yet to update the credit bureau and it is causing me a hardship because the point drop I cant refinance my mortgage. This is illegal and unfair being I confirmed via a call and the history of never reporting late fees to the report at the end violates the whole promise of the FCRA. Please review and expedite over turning this unfair and damaging practice. I have all the proof directly from my account history on their site and my credit report. Thank you.
Product: Debt collection

I have been getting repeated phone calls since the past one month from Transworld Systems Collection Agency, the number is XXXX. 

They have been asking for a debt for their client XXXX XXXX for an amount of {$430.00}, which I have never owed and that I do not even know who this energy company is. 

They have also got access to my credit and that my credit points have been affected because of this breach.
Product: Debt collection

I submitted to XXXX XXXX ( 1 ) Police Report ( 2 ) Copy of FTC Identify Theft Report but is failing to agree to delete the account and remove from all 3 credit bureaus
Product: Vehicle loan or lease

challenge financial services has been harassing me and people that have nothing to do with this loan. i have been trying to resolve this issue with the rep XXXX XXXX XXXX, he is really rude and unprofessional, he has been reaching out to people that know me threatening them that to let me know that he is going to pick up my car. I am very good with payments on my car just this month i fell behind because i just got another job. I've been paying this car for 2 years. I asked for a week extra time to be able to pay it but the Rep XXXX is not willing to help, instead he threatens me.
Product: Debt collection

I only have a single negative mark on my credit reports from a Florida debt collection agency. 

Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. 

Or, XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX They are claiming I owe XXXX {$200.00} for an unpaid phone bill. 

I've never had a contract with XXXX, only a prepaid account a few years ago. 

I filed a dispute with the credit agencies in XXXX of 2019 ( See attachment 2 ) and had this fraudulent collection account removed. However, Enhanced Recovery has refiled a new collection account with a new account number in XXXX of 2019 for the same amount, {$200.00}. 

Unbelievable that a company can make this claim, fraudulently, then do it again a few months later. I do have an attorney friend from college that works for the state of Florida in XXXX that I will be contacting to file charges against them, but in the meantime wanted to file this report publicly. 

Thank you!
Product: Debt collection

A company called XXXX called harassing a friend to get to me. On a payday loan that is 3yrs old. Said they were send it to the court to have me arrested. I tried contacting the collection agency that has it with no luck yet. I dont know who this XXXX is.
Product: Debt collection

WAKEFIELD & ASSOCIATES is now the creditor but originally i was charged from XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00} I was XXXX XXXX XXXX XXXX and went to the doctors office to see if they could do anything. I waited patiently for the doctor, was seen and given XXXX. They then tried to charge me a month later {$500.00} for an " emergency '' service, however i was clearly not put into an emergency room and a mistake was made, i contacted the hospital and they were not helpful, nobody wanted to take responsibility of the mistake.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Below is the email I sent to them to update my credit profile. They did not update it. No response from them. I also sent them a copy of my personal identification as proof. 

XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXXXXXX Dear EQUIFAX , I am writing to request an update to my contact information on my credit report, as my current mailing address is now : New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please update my records with this new address and I also please update the workplace to the XXXX XXXX XXXXXXXX XXXX to ensure accurate communication regarding my credit report. 

You can verify my identity with the following information : Social Security XXXX Date of Birth : XX/XX/year> I have enclosed two pdf files of my identification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My business account never sign up for Chase XXXX XXXX, however our computer got hacked and hacker transfer {$1000.00} out thru XXXX to XXXX XXXX XXXX We got email and mobile notification for an suspicious online activities and our got blocked. We contacted CHASE IMMEDITEDLY. 
10 days later, they declined our claim and said they do not see any suspicious activities and claim the transaction was from our regular device. I told them our computer got hacked. At the same time, we never activated XXXX, so how did the hacker transfer money out thru XXXX!!! 
We never agree on the XXXX agreement either, this is an illegal activities from CHASE!
Product: Credit reporting

I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to fight all identity theft inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, convergant account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified that my credit profile was part of the SSN leak and Equifax data breach. Due to this data breach, I have attached a document with all the accounts that need to be removed immediately as it has a negative impact on my credit profile.
Product: Credit card or prepaid card

XX/XX/XXXX my NV UNEMPLOYMENT BANK OF AMERICA CARD WAS HACKED for {$420.00}. Bank of America sent a new card no problem. A month later they froze my new card do to fraud on XX/XX/XXXX with no explanation. Had to verify my identity with NV unemployment which I did on XX/XX/XXXX. Received a letter from Bank of America dated XX/XX/XXXX to call the service line to unfreeze my account. Call the number only to be told they can't do anything to unfreeze it. Bank of America is unwilling to solve this issue only to be told to call NV unemployment.