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

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, 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 XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Transunon and XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Product: Credit reporting

I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report.
Product: Mortgage

My name is XXXX XXXX and Im very unsatisfied with the service that I received from Nationwide Mortgage Banker Inc. I just finally closed on my refi after 7 months of going back and forth and even after it was not the deal that was originally agreed upon. 
In the end, I felt as if I had no choice but to close with this company rather than start this entire process again with another. During this rigmarole with the company, my credit took a toll due to incorrect statements that were told to me by the company. I was told by your company that I did not have to pay my credit cards and that the company would pay off the bills when we closed. This turned out to be false, which resulted in my credit card bills being extremely late which negatively affected my credit. I am extremely disappointed with the candor of this staff and the company as a whole. 
I just received a notice in the mail that I will now be staying with my old mortgage company. I received no heads up before this, just a letter. I would not recommend this company to anyone else as the unprofessionalism and stress I experienced here shouldnt be felt by another person. 

Signed a very unhappy customer
Product: Credit reporting or other personal consumer reports

For YEARS i've initiated disputes with XXXX regarding a collections account that should not be on the credit report ( XXXX XXXX XXXX ) as well as a charged off accounts that should no longer be reporting ( Auto Nation/CIG Financial ) and XX/XX/XXXXXXXX XX/XX/XXXX despite the fraudulent and inaccurate nature of these accounts XXXX has knowingly reported this information and has even allowed these companies to falsify dates and balances. These unruly practices have caused me severe harm and multiple denials. XXXX has disregarded all proof i've supplied regarding these accounts and have continued to report the inaccurate information as truth.
Product: Debt collection

I was not made aware of this debt from XXXX Check N Go until I received an alert on XXXX that my credit had been adversely affected. This is NOT my debt. I did not take out this loan. I believe it was my either my mother or ex husband XXXX XXXX, who at the time was still my husband and was privy to all my information to apply for this loan online. I have asked the collection agency to provide documents with a hand written signature to show, as I am certain I did not apply for the debt in the amount of {$6100.00} XXXX XXXX Check N Go. They have not responded to my requests to provide documented evidence regarding the owner of the debt. An electronic signature is insufficient to prove it is my debt as my then husband and I had joint accounts, used the same computer, and thus would have the same IP address.
Product: Credit reporting or other personal consumer reports

I recently received a copy of all my credit reports from XXXX, XXXX or TransUnion, XXXX also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have XXXX open accounts dated : XXXX, XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX this is only a total of XXXX inquires that were made there is a total of XXXX added inquiries I feel are duplets that were reported for XXXX account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. As for these dates no accounts are open, all open accounts with company dates have inquires listed which are the XXXX I only have knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called Experian and filed a dispute on a voluntarily repo from XX/XX/XXXX. My husband lost his job and it was either keep a boat or our home. This was a boat that XXXX XXXX XXXX took back and sold. Now in XX/XX/XXXX it is showing on my credit report that it was repossessed again in XX/XX/XXXX. I have called Experian and XXXX and completely ignored. This is showing on my credit report and my husbands credit report. I want this corrected to show the date was a voluntary repo in XX/XX/XXXX not XX/XX/XXXX. This has affected my negatively in getting a loan.
Product: Credit card

Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am reaching out to bring to your attention a matter concerning the inaccurate reporting of late payments on my credit report, despite a prior agreement for their removal by the credit card company. 

The specific issue pertains to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card company has failed to honor its commitment to remove a 30-day late payment and a 60-day late payment from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), inaccurate or unverifiable information must be corrected or removed promptly. The credit card company 's non-compliance with the agreed-upon removal is a clear violation of this provision.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I have previously reached an agreement with the credit card company to have these late payments removed from my credit report, exercising my right under FCRA Section 611 ( a ) ( 1 ) ( A ) to dispute and correct inaccurate information. Despite the agreement, the late payments persist on my credit report, adversely impacting my creditworthiness. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt removal of the inaccurate late payments from my credit report. Enclosed with this letter, you will find documentation supporting the agreement for removal and any relevant correspondence with the credit card company. 

Your swift attention to this matter is crucial in rectifying the inaccurate credit reporting and alleviating the negative impact on my credit history. 

Thank you for your assistance and dedication to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX
Product: Debt collection

I've asked CBE group out of XXXX NC to stop calling me regarding a erroneous debt from Charter Communications. They call multiple times per day and will not stop.
Product: Checking or savings account

On XXXX XXXX I was scammed out of {$6000.00} by an individual posing as a key bank employee. I had to have the account frozen due to the compromise and opened on a new account on XX/XX/2023. I questioned several times about how outstanding transactions such as direct deposits checks or anything associated with the old account. I was assured that the account would be frozen but would remain open so that if this did occur they would basically intercept the transactions verify the validity and push said transactions thru to the new account. That didnt happen I was penalized for {$50.00} on a card that was attached to my bank account so th amount was declined and the penalty {$50.00}. I also had a landscaper have my check declined for {$150.00}. On XX/XX/XXXX, I received a letter from the bank advising me that due to fraudulent activity on the account they were closing the account on XX/XX/2023 the same day I reviewed the letter. It also stated that I should reach update any direct deposits asap. I receive my social security thru direct deposit and had already contacted them to update my account info for my direct deposit. Now today I am received a notice from social security verify that I had updated the information but also to advise that I should keep the account that keybank closed without my knowledge or at least in a timely fashion. This is causing further financial distress because social security has advised it may take 1-2 months to change were they send payment. Key bank has not taken any responsibility or accountability for their contributions to causing me further harm financially and mentally
Product: Credit card

Disputing a charge of {$4700.00} applied to my Barclay account on XX/XX/2024. This charge is an error, as I was not in possession of the card at that time. 

Background of Dispute On XX/XX/2024, I received a notification that my new card had been activated. I immediately locked the card via the Barclay app upon seeing this notification, and I have attached email records confirming the lock. Additionally, I called Barclay at XXXX ( XXXX ) XXXX to report the activation and potential unauthorized access on XX/XX/XXXX. I have phone records showing this call. 
Shortly after, I was unexpectedly locked out of my mobile account access. This, along with evidence provided by Barclays representative, indicates that the card had been compromised.

Evidence of Fraudulent Activity I received a letter from Barclay indicating the charge would remain on my account, along with a statement incorrectly asserting that I was in possession of the card. I spoke with a Barclay manager on XX/XX/2024, who confirmed that unauthorized changes, including a new phone number on the account, had been made, demonstrating fraudulent activity. He assured me that a dispute had been submitted. However, I have not received any follow-up or resolution in over 30 days. 

Thank you for your prompt attention to this issue. I look forward to your response.
Product: Debt collection

I am writing to inform that both XXXX XXXX XXXX XXXX XXXX  ) and Healthcare Finance Direct ( HFD ) that XXXX XXXX XXXX has breached a newly executed contract, as also mentioned via an email exchange on XX/XX/2023. On XX/XX/2023, I booked a visit to the XXXX XXXX XXXX and eventually enrolled in a treatment plan which was to include an aligner treatment, in-person and telehealth check-ins, on-going customer support, and access to retainers post-treatment. In addition, I was promised a lifetime guarantee. I paid a {$250.00} deposit to XXXX XXXX XXXX and also a {$2000.00} payment to HFD via a contract for services promised by XXXX XXXX XXXX. I have since disputed this charge with my credit card company since XXXX XXXX XXXX and HFD have breached our executed contract. Since XXXX has closed its doors completely, not even allowing me access to my online account or treatment plan via the mobile application, they have breached the terms of my smile pay contract, with XXXX XXXX XXXX as the creditor, as it explicitly states the undersigned Buyer jointly and severally unconditionally promises to pay for services provided by XXXX. I am no longer receiving the services promised. I did receive my aligners, but I can not continue treatment without an overseeing XXXX and all doctors in my area have refused to oversee my treatment. I will need to start new treatment plans through them instead. Essentially, my treatment plan no longer exists. Since XXXX has violated the terms of their contract, I am informing you of my intent to stop further payment until the promised services resume and to stop threatening to hurt my credit score.
Product: Credit reporting or other personal consumer reports

There are federal government student loans appearing on my XXXX XXXX account report. I had a total permanent XXXX discharge and they were to completely fall off after XXXX  years. Here we are XXXX  years later and they still appear on my credit. It's illegal. Not only that but my credit score is inaccurate XXXX XXXX XXXX says one thing then XXXX XXXX says another. It's all illegal.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their failure to correct inaccurate information on my credit report despite multiple attempts to resolve the issue since XX/XX/XXXX. 

Details of the Issue : Credit Bureau : XXXX Confirmation # : XXXX Account Name : Freedom Mortgage Account Number : [ Account Number as listed on the report ] On my XXXX credit report dated XX/XX/XXXX, there is an incorrect entry showing a XXXX late payment ( status code " XXXX '' ) as of XX/XX/XXXX. However, the last activity on this account was in XX/XX/XXXX, and the account has been paid in full with a {$0.00} balance since then. 

Attempts to Resolve : Since XX/XX/XXXX, I have contacted XXXX multiple times to dispute this inaccurate information. I have provided them with documentation from Freedom Mortgage confirming that the account was settled and paid in full as of XX/XX/XXXX. Despite these efforts, XXXX has failed to correct the error, causing ongoing damage to my credit score and financial standing. 

Impact : The erroneous late payment entry from XX/XX/XXXX has negatively impacted my credit score and has caused significant stress and inconvenience. I have been diligent in trying to rectify this mistake, but XXXX 's failure to act has left me with no choice but to seek further assistance. 

Requested Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX corrects my credit report. Specifically, I request that the erroneous late payment entry for XX/XX/XXXX be removed, and the account status be accurately reported as paid in full as of XX/XX/XXXX. You have to see the months of reporting is when I did not own the home. 

I appreciate your assistance in resolving this matter promptly. Please do not hesitate to contact me at the above address or phone number if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 JPMCB CARD + New Credit Inquiry Added Ran my credit without my consent! 

XXXX XXXX auto ... report late payment XXXX and system error! Still never removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested a copy of CLUE report via Lexis Nexis website. As of XX/XX/2023 I have not received a copy of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit reports with all three major credit bureaus and discovered there were fraudulent accounts on my credit report. I am positive that my credit file is mixed with someone else with a similar name due to varying names on my credit report. I researched how to accurately remove the items and wrote XXXX dispute letters to each credit bureau with affidavits and the supporting documents. I mailed each letter via certified mail with tracking numbers and gave it the appropriate amount of time according to the Fair Credit Reporting Act. Each credit bureau has 30 days to investigate and update XXXX delete the disputed items. When I checked the tracking all items were still in transit and last reported in the city for each credit bureau. XXXX PA, XXXX, GA and XXXX, TX. In the month of XX/XX/XXXX, I reviewed my credit reports and noticed XXXX of the XXXX fraudulent items had been deleted from 2 of the 3 credit bureaus. I completed another dispute letter, an affidavit and supporting documents for the remaining fraudulent items for tracking XXXX, XXXX and XXXX. The listed certified tracking numbers were delivered on XX/XX/XXXX. This process has cost me another {$77.00} by this point and countless duress during my XXXX right now. It has been more than 30 business days again and there has been zero correspondence with each credit bureau. I sent an additional manual dispute with affidavit with tracking XXXX and it was delivered XX/XX/XXXX. These fraudulent items need to be deleted from my credit file since 2 of 3 bureaus have already completed the process and updated my reports. I am trying to move into a bigger home at the end of this month ( XX/XX/XXXX ) before I have my daughter and it is imperative this is completed to prevent further duress during this XXXX even more with COVID-19 going on. I am filing a formal complaint with the CFPB today to get this matter resolved immediately.
Product: Debt collection

I received a letter from a debt collecting agency named Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX saying that I owe a debt of XXXX and would settle for XXXX. I reached out to the named creditor on the letter and they informed me that there is no such debt. I am also receiving unknown calls from local number that I have not answered but know that they have been calling constantly. I am very concerned that my information has be phished by this corporation and an act of fraud is being attempted in order to receive funds from me.
Product: Checking or savings account

Wells Fargo management and or their so call investigators are protecting thieves working in one of their Pt. XXXX XXXX, Florida branch offices. 

I have provided proof positive evidence that {$1200.00}. Disappeared from my account on or about XX/XX/2021 when one or more staff reconciled their ATM machine. 

The hardship caused by this theft has caused my XXXX XXXX XXXX wife and I age XXXX irreparable harm and Wells Fargo continue to treat this issue like a joke. 

They refuse to return phone calls after sending letters with a phone number to call for questions. 

Wells Fargo have added insult to injury by offering {$100.00}. after stealing {$1200.00}. From my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying each credit bureau regarding the closed status of my XXXX XXXX XXXX account and request by that department to remove an account of balance is obviously XXXX stated by XXXX XXXX them selves. Both Equifax and XXXX along with XXXX XXXX continued to display incorrect credit information on a closed account which I am the custodial parent and the difference in the reporting by Equifax and XXXX XXXX clearly shows the discrepancy itself. The credit bureaus simply wont take the time To verify it for themselves and only rely on a third-party service that does the reporting.
Product: Checking or savings account

They said my account just needed time to catch up and that I was spending too much at once but every time I spend money, I checked my account ahead of time and the money clearly stated available