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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023 I received a correspondence through mail pertaining to my initial identity theft dispute submitted on XX/XX/2023. The letter states my initial claim is missing essential personal identifying information or account specific information that would allow the completion of my request. Below I have attached all required documentation pursuant to FCRA 605B including but not limited to the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, utility bill, and the official TransUnion Identity Theft Victim Assistance Affidavit. Accounts disputed : XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian : XXXX XXXX. The information for this account is so lacking that I do not know what the account is about. I have contacted the debt collector directly and I still have not been informed what this debt is about. In fact, the debt collectors records show that there is no balance owed when I call them. As a result, I can not even make a payment on the account. Please remove it. 

XXXX XXXX XXXXXXXX. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. I was never late on this account. But there is a late payment reporting for XX/XX/year>. 

enclosures ( XXXX ) Drivers Licenses ( XXXX ) Tax Statement showing address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX showing address ( XXXX ) Statement from Jewelers Mutual showing address
Product: Mortgage

Fay Servicing , LLC escrows money from my monthly commercial mortgage ( property located in XXXX ) to pay insurance and taxes. I've been requesting that payment be sent for months ( calls since XX/XX/2022 ) and have proof in writing since XX/XX/2022 ( I can forward emails ) and the insurance will be canceled tomorrow due to non-payment. Requests for call-backs from management are ignored, phone tree to reach someone is approximately 4 minutes, one can't speak to the XXXX personnel directly, and overall the customer service is non-existent. This will be the 3rd time an insurance policy is canceled due to Fay Servicing 's failure to pay followed by tons of excuses and lack of accountability.
Product: Vehicle loan or lease

My car, a XXXX XXXXXXXX, was repossessed on XXXX. I was able to pay off the loan in full, {$17000.00} on XXXX. It took Wells Fargo Bank from XXXX, until XXXX to clear the funds ( money was wired from XXXXXXXX XXXX ). Today XXXX, I called the title department to see when I could get the title. I am told the money has not been received!!!?? The title department transferred me to the XXXX department and they said they had not received the money?? This is after WF has already authorized me to pick up the car on XXXX. Wells Fargo has to be the most unorganized and incompetent bank in America. ( side note, we offered to pay payments to catch up and they refused them. So I paid the balance in full ). I spoke to a man named XXXX, in the Reinstatement Department. He was rude and stated it would take 4 to 6 weeks for me to receive my title. This was after he told me the bank had NOT received my wire. I had to tell XXXX that obviously WF had the money, because I had picked up my car. He did not believe me. Then he tells me how a wire transfer is the worst way to pay a debt. Can you please contact WF Bank and have them send me my title asap. thank you.
Product: Debt collection

Nelnet is selling incorrect information to XXXX that is causeing the estate of XXXX XXXX damages. The promissory note that Nelnet is using as a financial asset is a security and the interest of that security belongs to the estate and Nelnet does not have permission from the estate to use the note for financial gain and it does not benefit the heors of the estate. The interest from the note should be applied and all overpayments returned to the estate.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX ACCEPT XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the 3 Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and XXXX have incorrect names for me : XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Credit Acceptance Corp does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

, I am writing to file a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). These inquiries have negatively impacted my credit score and appear to have been made without my explicit consent. 

Summary of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To my knowledge, I have not signed any documents authorizing the above-listed organizations to access my credit history. The FCRA Section 1681b ( a ) : Permissible Purposes of Consumer Reports, and Section 1681b ( c ) : Transactions Not Initiated by Consumer, clearly outline that credit inquiries require my explicit authorization. These inquiries appear to be a violation of federal law.

Requested Actions : Conduct a thorough investigation into these inquiries.

Verify if any documentation exists bearing my signature authorizing these inquiries.

If documentation exists, please provide a copy for my review.

Remove all unauthorized inquiries from my credit report.

Remove my personal information from the records of the organizations responsible for the unauthorized inquiries.

Provide written confirmation of these actions.

For clarity, I will only accept documentation that contains my signature explicitly authorizing the inquiries. If no such documentation exists, I expect immediate removal of the inquiries as well as confirmation that my personal information has been removed from the relevant organizations ' records.

Enclosed with this submission, I have provided copies of my identification and proof of address to assist in verifying my identity.

I respectfully request your prompt assistance in resolving this matter, as the unauthorized inquiries have caused unnecessary harm to my credit score and financial standing. Please confirm receipt of this dispute and provide updates on the resolution process. 

Thank you for your attention to this matter. 

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

I have New and Updated information about Experian. Experian has failed to let me exercise my federally protected rights under the FCRA.Experian will not provide me with a copy of my credit file and will not remove factual information that shall be excluded, I have reached out numerous of times to Experian about the account listed below and my credit file they failed to comply. Lets be explicitly clear on, y request I am not asking for you to dispute the accounts nor am I disputing ownership or the accuracy of the accounts I am telling you the following accounts are FACTUAL TRANSACTIONS and ANY Authorization or approval of a specific extension of credit shall be Excluded from my credit report as that is my rights under the FCRA 15 USC 1681.Your noncompliance has caused me injuries and damages as I have been denied for multiple loans due to my credit profile with Experian. 
I did not giving my written instruction to furnish on my credit report and no one had a judgement to do so remove ( No Permissible Purpose ) the following accounts : 1.XXXX/XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX  XXXX Attached is my last letter I sent and id that is pass the 30day response period I Did not give written instructions to the following accounts : 1.XXXX  XXXX 2. XXXX XXXX XXXX You also reinserted those XXXX accounts and did not provide a letter via mail stating why within 5 days of the reinsertions which mean they shall have been removed which is required by the FCRA. 
I am not a 3rd party repair company as that is illegal. Attached is my id and previous letter. I am trying to resolve this issue before bringing in enforcers to help resolve this noncompliance.it has been nearly impossible.
Product: Mortgage

Historically, my mortgage payments are typically set up to post mid month around the XXXX. Mortgage amount of {$2200.00} and additional principal of {$2000.00} is paid timely ( by the XXXX ) every month. Due to a vacation and time zone issue, XXXX payment posted and reflected on the XXXX of that month. The account that is paid from receives exact funds for transfer to the mortgage company. Because of a late charge and consequential reversal of that late charge, that account ran negative for a very brief moment and my typical mortgage and additional principal ended up showing in the account as insufficient by the amount of the late fee that had not payed back into the account. Also, MR.COOPER does not allow a principal payment without paying late fee first. That insufficient transaction was never known by me and MR. COOPER never notified me and instead let the overdue amount run for over 30 days without notifying me of any issue. I was able to resolve the late payment issue with them however they reported to the credit agencies as a late payment over 30 days. I attempted to resolve this by requesting a retraction to the credit agencies with MR.COOPER but they refuse claiming it was in line and no error was made on their part. MR.COOPER never emailed, phone, left voice mail, or text that there was a missed payment, but instead let the account run overdue. I found the discrepancy the following month during the following payment. I have had to solicit results of their " investigation '' as they never sent me a mailing or posted in their account portal. During the course of my time with MR.COOPER, they have made at minimum 3 communication errors to which they sent followup mail apologizing, and have double charged customers accounts doing system upgrades, ending up in an apology. They have since transferred my account to a mortgage collecting agency, XXXX, who appears to have their own servicing problems. Please have MR.COOPER SEND A CREDIT RETRACTION TO THE CREDIT AGENCIES DUE TO THEY DID NOT ALERT ME ON ANY MISPAYMENT ISSUES. Please request credible evidence that they made an attempt to alert me. To this day they have provided me nothing upon my numerous requests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, **Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report** I am writing to file a formal complaint against the inclusion of unauthorized hard inquiries on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 

**Details of the Complaint : ** Upon reviewing my credit report from [ Credit Reporting Agencies : Experian , XXXX , XXXX ], I discovered the following hard inquiries that I do not recognize and did not authorize : XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] XXXX. **Inquiry Date : ** [ XX/XX/2024 ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ Experian ] **Violation of the Law : ** Under the FCRA, 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as with the consumer 's written authorization or for certain permissible purposes. These inquiries were made without my consent or knowledge, which is a clear violation of the FCRA. 

The unauthorized access to my credit report has negatively impacted my credit score and caused me significant distress. I have not applied for credit with the above-mentioned companies, nor have I given permission for them to access my credit report.

**Request for Action : ** I request the CFPB to investigate this matter and ensure the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I seek assurance that corrective actions will be taken to prevent such violations from recurring. 

With this Complaint are copies of my credit report highlighting the unauthorize inquiries, along with a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased {$2100.00} worth of clothing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022, but I did not receive the item, nor did I receive delivery information from the seller nor any proof of delivery I have discussed with the bank, the bank has investigated and still confirmed that the transaction is valid, but the bank has not sent any proof that the transaction is valid, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since XXXX and Experian couldn't help me, CFPB step up and fix the accounts asap
Product: Debt collection

I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXXXXXX XXXX XXXX is not doing.