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

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
By law XXXX XXXX XXXX XXXX XXXX XXXX XXXX it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have several addresses linked to my profile in which is not mine except XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX Ca is my mothers I lived there until XXXX should not be on report My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX TX XXXX My only date of birth is XX/XX/year> My only employer is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. 
I look forward to your response.
Product: Checking or savings account

I have been researching other stories of people who can not cash CDs or Savings Certificates with Wells Fargo. There are many : XXXX, XX/XX/XXXX reports " Since XXXX, more than XXXX Wells Fargo customers have filed complaints against the bank for missing/lost certificates of deposit. '' XXXX XXXX, XX/XX/XXXX states XXXX XXXXXXXX XXXX XXXX  has not been able to cash her CD because there is no record. In the same article XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX have not been able to cash their CD. Also XXXX XXXX from their article dated XX/XX/XXXX. 
Add me to that list, too. 
Wells Fargo has had class action suits in regards to their civil mortgage fraud and their fake accounts scandal. 
I am asking you to please investigate this. There are so many of us. 
Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SS # XXXX date:XXXX  Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

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

Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX Acct : XXXX : This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX XXXX  in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX all of my credit cards with Citibank were closed without notice. 
I have a 100 % on-time payment history with CitiBank. 
I have no negative information on my credit report, my balances are paid every month, and I have a large amount of unutilized credit. 
Customer Service stated my accounts were closed because I make too many PAYMENTS on my account. 
That is ridiculous, I pay off my accounts each month to keep my credit utilization low and my credit score high. I have been additionally diligent with payments as I recently refinanced my mortgage. I am being penalized because I abide by the terms of my account and pay them off? That is discriminatory and a violation of the Equal Credit Opportunity Act. I have been a Citibank credit card, banking, and mortgage customer for over 30 years - I can not believe Citibank would treat me this way in the middle the current global pandemic crisis.
Product: Debt collection

No court showed any judgments. Judgment was removed off credit report on XXXX XXXX. I did n't even know a judgment existed! Was never even notified! They wiped out my bank account and took 100 % of my money. I was on a payment plan with Sklar Law. I had a baby and told them due to FMLA, it was not paid. I contacted them in XXXX XXXX and temporarily stopped my repay plan with them agreeing i would return. In XXXX XXXX, i went back to work and called to restart my repay plan. They denied and hung up on me. I called in XX/XX/XXXX, same issue, they denied to restart my repay. Never told me anything on any judgment, nor did i ever get any mail. i hired XXXX to help my credit, then all of a sudden, Sklar Law took my money a few months later. I called again on XXXX XXXX, XXXX and was cursed at and huung up on 7 times! I called the court administrator and she said they never told her i was on a repay plan. After numerous calls, they finally admitted that i was on a repay and stopped it. The court administrator supervisor said she was going to call me. Due to XXXX, i had to leave the apartment complex i was in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block 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 consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to this XXXX XXXX / XXXX XXXX XXXX Experian asking to provide verification of this and they have failed to comply. I don't even have an account number in reference to this said account. 
In accordance to with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

The synchrony Bank has reduce credit limits on cards that has not been late or late and refuse to respond to emails about payment being late and charging fees when they only had to respond and state the issue, instead charging late fees and reporting me to the report company 's. Also the XXXX XXXX XXXX cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3700.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
SSN : XXXX Address : Your XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed : copy of State ID and Utility bill showing proof of address
Product: Debt collection

This debt was opened XX/XX/XXXX. Exceeds Statue of Limitations. The Company stated the account was opened XXXX. I never received any paperwork upon me being sued and now my wages are being garnished every week. {$270.00} was garnished XX/XX/XXXX.
Product: Mortgage

Dear SPS Team, I am writing to address your response regarding the payment of property taxes for parcel number XXXX XXXX and the associated penalty of {$6.00}. After reviewing your explanation, I would like to provide additional details and reiterate my position.

1. Notification of Taxes Due I notified SPS about the taxes due in a timely manner : XX/XX/year> : I informed SPS for the first time about the tax payment. 
XX/XX/year> : I followed up via email to ensure the matter was addressed. 
I have attached the email correspondence as proof of notification. Despite this, SPS did not act on the matter until after I filed a CFPB complaint. The tax was due on XX/XX/year>, and the XXXXXXXX XXXX XXXX allows at least a one-week grace period. This provided more than sufficient time for SPS to process the payment and avoid any penalties. 

2. Property Details The lots associated with this parcel were never merged or divided, contrary to any implications otherwise. The tax block and lot have remained consistent, as shown in the attached Closing Statement and HUD-1 Settlement Statement, which I have included for your review.

3. Disputed Late Fee Given that : I notified SPS promptly of the taxes due.

SPS delayed payment until after I filed a CFPB complaint.

The grace period provided ample time to process the payment.

It is not justified for me, as a borrower, to bear the {$6.00} penalty. Furthermore, during my recorded calls with SPS representatives, I was explicitly informed that I would not be responsible for any late fees since I had provided timely notice. I ask that SPS retrieve and review those call recordings to confirm my statements.

4. Allegation of Predatory Practices The delay in processing my tax payment and the imposition of an unjustified late fee suggest a lack of good faith and potentially predatory practices. Such actions appear to be an attempt to profit off late payments and create grounds for foreclosure. This is unacceptable, especially given my proactive efforts to resolve this issue in a timely manner. 

Request for Refund and Action I request the following : A refund of the {$6.00} penalty charged to my escrow account this is penalty for SPS ' late payment not a fault of the borrower. 

Confirmation that SPS has reviewed the relevant call recordings and correspondence to corroborate my claims. 

I trust that SPS will act in good faith to resolve this matter promptly. Please respond in writing with your findings and any additional information. I look forward to your response within the timeframe required under applicable regulations. 

Thank you for your attention to this matter. 

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

I have been asking the credit bureaus to reinvestigate a bankruptcy that is reporting on my credit report. They replied to me stating that the bankruptcy has been verified. I have contacted the United States Bankruptcy Court XXXX XXXX of Wisconsin and they have advised that they do not report bankruptcy info to the credit bureaus. Furthermore, the credit bureaus advised me that they verified my bankruptcy with XXXX XXXX, but I have documentation and have sent them documentation showing that XXXX XXXX was unable to verify the accuracy of the bankruptcy and that they have deleted it from their database. How are they verifying this bankruptcy and it's accuracy? I demand that the credit bureaus show me the proof that they allege they have for the reinvestigation. This has caused me financial hardship and emotional distress as I have been attempting and trying to get this matter rectified.
Product: Credit card

Bank of America automatically enrolled my account in XXXX XXXX XXXX  a digital wallet I neither signed up for nor ever consented to. They sent the company my data without my knowledge or consent, and when I asked for more information about what information was sent to XXXX they refused to send me anything in writing. When asked whether they had legal authority to do so, they kept saying " every bank is opting their customers in. ''
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my TU and the financial institution that the fraudulent loan was taken out with. I have provided TU with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Transunion is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately in the receipt of a police report containing a sworn statement about the fraud. If TU continues to do so, I will be forced to consider legal action against TU as this information being on my report is a violation of my rights and harming my ability to seek credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN THE VICTIM OF IDENTITY THEFT SINCE XXXX OF 2023. TRANSUNION HAS BEEN CONTACTED AND PROVIDED WITH INFORMATION FROM THE FBI, IRS, SOCIAL SECURITY ADMINISTRATION, FTC AND ID.GOV SUPPORTING THE THEFT YET THEY CONTINUE TO REPORT THESE FRAUDULENT ACCOUNTS ON MY REPORT, BOTH CURRENT COLLECTIONS AND UNDER CLOSED ACCOUNTS SHOWING A NEGATIVE ACCOUNT CLOSING FOR WHICH I DO NOT OWE THE DEBT NOR ARE THEY MY ACCOUNTS. I AM BEYOND FURIOUS THAT TRANSUNION CONTINUES TO REPORT THESE ADVERSE ACCOUNTS, TO ONLY CONTINUE THE FLEECING OF MY IDENTITY AND CREDIT RATING.
Product: Mortgage

UWM has finally reviewed my appraisal with the request to remove my mortgage insurance. They sent me an email on XX/XX/XXXX stating they have honored my request to remove the mortgage insurance from my mortgage payments. They have still charged me mortgage insurance in XXXX and they have told me they are also charging me mortgage insurance in XXXX and the removal of the mortgage insurance will start XX/XX/XXXX. I asked their chat support why they are still charging me XXXX months of mortgage insurance and they said that is how they do business. This does not seem fair or legal to me.
Product: Checking or savings account

My checking account with ~ {$4000.00} is frozen and the bank will not provide details why its frozen or flagged or why the " back office '' is investigating. This is an account that I use to receiving deposits when I cash out money from my XXXX account. 

The freeze occurred on Monday XXXX and remains frozen today. I have reached out daily and continue to get the same response that they cant provide any additional details other then this " back office '' I opened a case with their executive response team and that case number is Citi Reference Number : XXXX