23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$0.00} XXXXBalance {$0.00} XXXXBalance {$450.00} XXXXBalance {$16000.00} XXXXBalance {$1300.00} XXXX Amount : $ XXXXDate Filed/Reported : XX/XX/2018
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on XXXX Report Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy I have discovered on my XXXX credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/2023. 

On XX/XX/2023, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my XXXX credit report, I noticed that there are eight separate hard inquiries listed on the same day, XX/XX/2023, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my XXXX credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX  of XXXX - Dated XXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX  - Dated XXXXXXXX XXXX XXXX Dated XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPTEDXXXX 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: Debt collection

I received a credit alert from my book telling me a received a major derogatory mark on my credit report with CREDENCE Resource Management. The account number is XXXX and date status reported XX/XX/2023. The amount is $ XXXX called this company and they told me someone opened an XXXX XXXX XXXX account in my name in XXXX. I told them that I do not live in XXXX  or know anyone in XXXX, and this was not me. About 6 months ago possibly the same person tried to open an energy account in XXXX  in my name as well. This was removed from my credit report. I was told that this matter was turned over to this collection agency and an attorney. 
I called XXXX, who helped me with the last issue, and reported the problem. I was told to file a report to your agency. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX WITH FICO WORK HARD TO KEEP THE GENERAL PUBLIC FROM FILLING COMPLAINTS AGAINST COMPANIES. THE THREE PROTECT COMPANIES AND MAKE IT AN INTENT TO DRIVE YOUR CREDIT DOWN TO RUN YOUR FICO SCORE INTO THE GROUND. I HAVE TRIED WORKING THIS OUT WITH BOTH XXXX AND EQUIFAX TO NO AVAIL. THE GENERAL PUBLIC NEEDS SOMEONE TO PROTECT THEM LIKE THE BUSINESS HAVE WITH XXXX, EQUIFAX, XXXX AND FICO. THESE FOUR COMPANIES SHOULD BE THERE TO PROTECT AGAINST FRAUD, ILLICIT INQUIRIES BOTH SOFT AND HARD INQUIRIES ON YOUR ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, 2 XXXX, a collection XXXX. Please its hurting me.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I LOST MY BANK CARD AND SOME OTHER PERSONAL INFORMATION DURING THE WEEK OF XX/XX/2019. I DID NOT REALIZE THAT MY BANK CARD COULD POSSIBLY BE MISSING UNTIL I RECEIVED A TEXT THE EVENING XX/XX/2019 ABOUT A {$700.00} WITHDRAWAL WHICH I TEXTED BACK NO. I TRIED TO LOG ON TO MY CHASE ACCOUNT FROM MY PHONE AND WAS LOCKED OUT. I BEGIN TO RECEIVE EMAILS LATE NIGHT AND TRIED TO CALL BUT IT WAS TOO LATE TO CONTACT SOMEONE FROM CHASE WHICH I EVENTUALLY DID EARLY THE NEXT MORNING. THE LADY TOLD ME TO COME INTO THE BANK WITH MY ID AND SS CARD AND BIRTH CERTIFICATE WITH MY PARENTS AND I DID. THEY TOLD ME THAT MY ACCOUNT WAS RESTRICTED AND WILL BE CLOSED IN 10 DAYS BECAUSE OF TRANSACTIONS THAT HAPPENED ON MY ACCOUNT THE PERSON DEPOSITED CHECKS FROM THE ATM AND WITHDREW MONEY THEY SAID USING MY PIN NUMBER. THE PERSON ALSO WENT TO THE WINDOW AND WITHDREW MONEY. I WAS NEVER EVER ABLE TO LOG INTO MY ACCOUNT AGAIN ONLINE. MY FATHER WAS ABLE TO LOG ONTO HIS ACCOUNT AND LOOK AT MY HS CHECKING ACCOUNT AND SAW WHAT TRANSPIRED. I HAVE NEVER DEPOSITED ANY CHECKS INTO MY ACCOUNT OR EVER WENT TO ANY WINDOW TO WITHDRAW ANYTHING FROM MY ACCOUNT. THE ACCOUNT WAS OPENED SO I CAN RECEIVE MY SOCIAL SECURITY BENEFITS. MY MOM CALLED ON XX/XX/2019 TO DISPUTE WHAT HAPPENED AND TO HELP ME PUT A CLAIM ON MY ACCOUNT. THEY PUT THE CLAIM ON THE ACCOUNT FOR THE ATM WITHDRAWALS. THEY DID NOT PUT A CLAIM FOR WHAT WAS SITHDRAWN AT THE WINDOW. I NEVER HEARD ANY RESULTS FROM THE CLAIM. MY SOCIAL SECURITY CHECK WAS DEPOSITED IN THE CHASE ACCOUNT ON XX/XX/2019. THEY KEPT THE SOCIAL SECURITY CHECK AND SENT A BILL DUE OF {$13.00} AND SAID THE ACCOUNT WAS CLOSED AND CHASE WILL NO LONGER DO BUSINESS WITH ME. MY DAD TOOK ME IN THE BANK AND PAID THE {$13.00} AND WE STILL HAVE NOT HEARD ANYTHING ABOUT THE RESULTS FOR ANY INVESTIGATION. WHAT I CAN TELL YOU IS THAT THE WITHDRAWAL SLIP MY NAME WAS SPELLED WRONG AND THIS HAPPENED AT A BANK IN NEW JERSEY IVE NEVER BEEN TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX of a reopened XXXX XXXX case. They are still reporting me delinquent -- Correct Credit report
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the inaccurate and inconsistent reporting of an account on my credit file across multiple credit bureaus. This account contains several discrepancies and violations of the Fair Credit Reporting Act ( FCRA ), which require immediate attention. 

Issues Identified : Past Due Balance After Charge-Off My credit report shows a past-due balance of {$650.00}, despite the account being charged off with a balance of {$330.00}. Under the FCRA, once an account is charged off, it should not continue to report as past due. 

XXXX remarks state that the debt was charged off as bad credit and classified as a profit and loss write-off. 
Experian reports a charge-off of {$330.00} written off but still reflects {$650.00} past due as of XX/XX/year>. 
Missing Original Loan Amount The original loan amount is not listed in some reports, which is essential for accurate credit reporting. 

XXXX reports the original loan amount as {$250.00}, while Experian does not list the original loan amount at all. 
Incomplete and Inaccurate Information The charge-off entry contains inconsistencies : XXXX states that the account was closed on XX/XX/year>, with an original balance of {$250.00}. 
Experian states that the account was charged off with {$330.00} written off and {$650.00} past due. 
The account is also reported as both " charged off '' and a " profit and loss write-off, '' which implies the creditor wrote off the debt, yet the circumstances do not align with this classification.

These discrepancies indicate that the information reported is inaccurate, inconsistent, and unverifiable, violating FCRA requirements for accurate, complete, and up-to-date reporting ( 15 U.S.C. 1681 et seq. ).
Product: Credit reporting or other personal consumer reports

Wells Fargo is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CNAC OH130. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting

The Department of the Treasury website refers us to the Annual Credit Report Request Service. This service used XXXX, Experian and XXXX. I thought I was safe there. You should know that Experian ( which I never used ) allowed fraudulent use of my credit card to open an account with them for a person unknown to me. This is laughable, but terrifying, because the very company we are referred to to get credit reports and which claims to prevent fraud, was fooled into letting a person open an account with them using my credit card, and my address. 
Experian says : " We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. " They should be investigated to see if we are really safe with them. Cancellation # of the account with Experian and the first name and last initial of the party are available on request by the proper authorities.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XXXX EQUIFAX Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my EQUIFAX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I noticed inquiries on my reports from credit bureaus that I did not initiate. XXXX XXXX XXXX inquiry from XX/XX/year>.
Product: Debt or credit management

On XX/XX/year>, I received a letter and a check from Wells Fargo regarding an my account that should have been evaluated for a loan modification, but was not. However, when asked for an explanation, they simply read the letter to me that I received, with no further explanation or clarification. I received a check for {$200.00} followed this wording to make this right. 
I was told that the cashiers check was legitimate, however, I remember having to pay thousands, not to loose my home.
Product: Debt collection

This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : 1. Account Number : o XXXX : XXXX o Experian : XXXX o XXXX : NONE Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o XXXX : {$6900.00} o Experian : {$6900.00} o XXXX : NONE 3. XXXX XXXXXXXX XXXX XXXX XXXX  : o XXXX XXXX XXXX XXXX : {$6700.00} ; XXXX XXXX : {$5700.00} o Experian : XXXX XXXX XXXX {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX : NONE XXXX. XXXX XXXX : o XXXX : {$0.00} o Experian : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 there were an excessive number of extra account activities posted to my account including nsf assessments then reversals which were added as additional deductions to the account rather than credits. The total removed from my account was {$45.00} plus more {$15.00} fees earlier in the month. The last four digits of my bank account for tracking payments have been removed from the account. There is no way to resolve the issue and someone has been accessing both my bank account and the account for the vehicle where the money is withdrawn, but it doesn't post to the car loan. There are also payments being posted that I have not made, identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It XXXX Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Credit card or prepaid card

I applied and was approved for the XXXX XXXX XXXX XXXX Credit Card from Wells Fargo bank on XX/XX/XXXX. The email I received mentioned that I will earn XXXX point per each rent dollar spent on the XXXX  card, but it doesn't mention that I need to have at least 5 transactions for each statement in order to get the points. Wells Fargo never sends me an email to remind me you have such a policy. I thought you are like other credit cards and accumulate points when you do the purchase. This is like a false advertisement. Now I use the card to pay rent on XX/XX/XXXX for {$5500.00} and XX/XX/XXXX for {$1900.00} the points have all been canceled because I don't know you have the requirement for 5 transactions for each statement. Also, My card has encountered fraudulent charges and has been replaced several times early this year and I have no way to use it.
Product: Debt collection

I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against Synchrony Bank for an American Eagle credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from Synchrony Bank stating:1. That this debt was discharged by Synchrony Bank. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a XXXX XXXX , XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that XXXX XXXX , XXXX had not been notified of the decision by Synchrony Bank. When I received the letter dated XX/XX/XXXX, I can only assume that XXXX XXXX is illegally collecting on this debt.
Product: Mortgage

XXXX of XXXX XXXX did a address change. Isupplied documents all entry address with phh mortgage was corrected. They sold the mortgage to Freedom mortgage and has been a problem ever since. They changed the address back to the old address. I sent the XXXX document provided by the sheriff department in XXXX XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I have given copies also of the county where they pay the taxes to. I have called and spent many hours to be told the document i have isn't a XXXX document though the sheriff department and USPS state it is the the document. The sheriff department gave me a number for the mortgage company to call and verify the address.
Product: Bank account or service

My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company *strongly* encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.
Product: Debt collection

I applied in XXXX for XXXX XXXX and was denied. 

I left it at that .... However I received in the Month of XXXX that an alleged debt is owed in the name of XXXX XXXX. I have various recorded calls notifying XXXX, XXXX and XXXX that I do not do business in that name. I only do business with the name ( XXXX XXXX XXXX XXXX ) on the Social Security card... all other derivatives are FRAUD. 

I am now Pending XXXX against XXXX and XXXX. I will be proceeding with XXXX XXXX against all parties mentioned herein, if this/these issue ( XXXX ) are not corrected and resolved. 

I will be seeking relief for violation ( XXXX ) of 5 USC 552A ; 15 USC 1605 ; 15 USC 1666D ; 15 USC 1692; ETC. 

I have written various letters and am now beyond their negligence of the XXXX  XXXX, XXXX, reps and Calvary debt collector ( XXXX ) that are not willing to resolve these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent XXXX XXXX XXXX XXXX