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

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXXXXXX XXXX XXXX XXXX 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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA these unauthorized inquiries and accounts must be removed
Product: Debt collection

Ive filed a complaint before : # XXXX XXXX XXXX XXXX continues to harass me and my family by sending me notices of debt collections. This company has sued me and has tried to garnish my paychecks from my employer. Theyve had attorney offices call me and tell me I owe them money. Theyve recently sent me a letter and have increased a debt I do not owe. Its ridiculous!!!! I had to file with you the CFPB just to stop them from garnishing my pay. I believe my previous case file was even sent to the Federal Trade Commision. Ive notarized countless documents to this company and they still continue to harass
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Vehicle loan or lease

Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file.

Wells Fargo moved their auto loan payment system from WellsFargoDealerServices.com to WellsFargo. I was under the expectation that it would be a seamless transition. Instead I realized I had to set up a new account on a different website. This is due to Wells Fargo error.

Had perfect payment history with Wells Fargo before and after this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to ensure these items are removed to prevent further fraudulent use of my information. 
Accounts to be Deleted 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 XXXXXX/XX/XXXX
Product: Mortgage

I was laid off due to XXXX in XX/XX/XXXX. I applied for a Forbearance plan with mortgage holder Mr. COOPER. After going back to work in XX/XX/XXXX I called bank to start making payment arrangements. They could not offer me any viable options at that time and suggested to stay on the Forbearance program while they underwrite a modification of terms. I submitted all documents and did exactly what they asked- do not pay the mortgage and stay in the program until a determination was given. I told them by not making payments this would make things worse if the modification didnt get approved. They again told me my best course was to continue. 

In XX/XX/XXXX they started the modification process. I was advised to call every XXXX weeks for an update and was told each time it was still be underwritten. In XXXX I called and complained and sent a letter to the office of the president to expedite the decision. I was then told my loan should have had been approved and a letter was coming. I waited another XXXX weeks and was still told the same thing. In XXXX I called and was told they were behind and a decision had not been made and to keep calling. I was informed this week that the modification was denied and my only options were a repayment plan. This comsists of a $ XXXX payment and XXXX  months of payments of over {$1700.00} to bring the account back to normal. I was also given an opportunity to pay the full amount, over {$25000.00}. 

I tried to work with the bank and did everything they had asked. I am now in a much worse situation with my mortgage than prior to being XXXX XXXX due to XXXX. If I struggled to make payments while XXXX XXXX I would not be in this situation or be in a much better place. I feel I was lied to and misled about the opportunity that I was given in a he beginning about what government assistance would be available but was never even an option. I am now financially struggling to meet their repayment plans to keep my credit rating and my home. I need assistance helping work out a program that can keep me in my home with my XXXX kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$410.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company reported my balance as {$0.00}, which was correct, to experian. And then a few days later they reported my balance as {$210.00} which was false. I made a payment of {$210.00} before my closing date so that my balance would be {$0.00} on the closing date and report as such. It caused my experian fico to decrease 13 points
Product: Credit reporting or other personal consumer reports

victim of fraud/identity theft.Reached out to the company multiple times but they kept telling me to I need to make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/2022 but Experian and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX XXXX. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but Experian and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX XXXX. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX XXXX. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Prepaid card

I lost my debit card on XX/XX/ or sometime near my card was found & used to withdraw {$560.00} from an ATM, XXXX .I FILED A CLAIM AND WAS EXPECTING MY MONEY RETURNED INSTEAD BANK OF AMERICA DENIED MY CLAIM STATING I ALLOWED OR SOMEONE I KNOW WITHDREW THE FUNDS?? I DID NOT AUTHORIZE ANY FUNDS TO BE WITHDRAWN FROM MY ACCOUNT!! I LOST MY CARD WITH A PHONE & several other cards. IM VERY UPSET WITH THIS ACCUSATIONS I RECIECED.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies XXXX, Experian, and XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/year> on XXXX and for XXXX, XXXX, and XX/XX/year> on Experian and XXXX are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The XXXX account shows consistent discrepancies across all three credit bureaus. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as 30, 60, and 90 days late. 
Experian : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as 30, 60, and 90 days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as 30, 60, and 90 days late. 
These errors directly contradict my payment history and enrollment in autopay. 
Requested Resolution I request that the inaccurate late payments be removed from my credit report with XXXX, Experian, and XXXX. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you verify the records? Several of the specified entries contain inaccuracies regarding their reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both TransUnion and XXXX  are refusing to update my credit data which would reduce my DTI to 29 % and increase my Score to XXXX. 

I know this for certain, because Experian has my data updated and my DTI is 29 % and my score is XXXX. 

Finally CFPB should take a close look at the fact that TransUnion sells XXXX credit cards to people with low scores and has incentive to misreport DTI and resulting scores to keep consumers in the XXXX  market.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently obtained my credit report in an effort to clean up and fix my credit and was surprised to find a bankruptcy in XXXX XXXX is on my report. I live in XXXX ca and have never filed for bankruptcy. My understanding for bankruptcy I would need to go through legal aid and visit the office which neither I have done. 

I can provide bank statements for the past several years that will show Ive never retained legal aid in order to file for bankruptcy or have even traveled to XXXX XXXX to visit this office. I have tried to contact the office to no avail, probably due to covid, and the office is not taking visitors and when you call the phones message just repeats with no access to a live person. 

I filed a dispute with experian who has stated this is true even though it is not true. Just because my credit is not the best does not mean Ive gone down the bath of bankruptcy. 

You can check my id and my signature as proof that whatever has been filed with the bankruptcy court of XXXX XXXX does not match my information.
Product: Money transfer, virtual currency, or money service

Here is the e mail sent to me, it is a XXXX XXXX portraying as XXXX XXXX who only looks for lender. He asked me for XXXX dollars to be taken out of my bank to give me a XXXX dollar loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   XXXX To : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XXXX Hello, Congratulations!! 

Your Loan Application has been successfully approved for {$10000.00} By Our Company XXXX XXXX. To get this Loan, You do not pay any Upfront Payment. Fund would be credited into 45 minutes and your loan Approval ID, XXXX Total Loan Approval : {$10000.00} Your First Payment will be debited on the next month of your loan staring month. 

Once the Loan proceeds are available in your Bank Account, You can also begin making manual loan payments. There is no fee or penalty for making early payment on your loan, and you may make payment at any time. 

Complete Your Verification Part so we can be sure that Fund is going to Right hand and you are correct person to get this loan. Your loan Manager is available on Direct Line Number ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

Considering the way I've been treated, I wish no further communication with American Express, XXXX XXXX XXXX, or the State of Utah. 

It looks like the Consumer Financial Protection Bureau was " ethical '' enough to identify me for you themselves. 

Close the American Express savings account ending in XXXX immediately or I'll refer this to the SEC or any other regulatory body handling banking -- alternately I may file suit. ( cost to taxpayers, my time, etc )
Product: Debt collection

AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly.
Product: Vehicle loan or lease

My contract is fraudulent due to me having to put a down payment down on the vehicle, vehicle total price is {$49000.00} Flag ship is the financing company
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Trans Union, XXXX, XXXX Account names : Child Support account : XXXX15 USC 1681 section 602 A states that I have the right to privacy. -15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years. - 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurateXXXX XXXX  Child Support Enforcement XXXX was " NOT AND HAS NEVER BEEN DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on all accounts XXXX XXXX
Product: Debt collection

This following scam information was sent to me by text ( XXXX ) XXXX again on my phone in this order and reported previously to FTC : PLEASE REVIEW THE BELOW FOR INSTRUCTIONS TO ACCESS YOUR SECURE COMMUNICATION, XXXX : XXXX? XXXX. REPLY STOP TO END************************************** This private message is from State Collection Service , Inc. ( " SCSI '' ) a debt collector. Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. To open your encrypted message : 1 ) Double click on the secure PDF attachment. 2 ) When prompted for a password, please enter your current 5-digit zip code to open your encrypted message. 
This is a post-only communication from SCSI. Please only respond to this communication with " STOP '' if you do not wish to receive communication via text message from SCSI in the future. If you have questions or concerns regarding this communication or if you experience trouble opening the attached document, please call ( XXXX XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Sincerely, State Collection Service , Inc . 

I do not know who this scam company is. I do not have a bill with them. I have received this message 3 times before and sent them a text message to stop sending me texts and they refused. I blocked this number in the past and they got back in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, ally financial for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is an account shown as closed on my TransUnion credit report. I have absolutely no previous business with this company. I dont know who this company is. I need this to be deleted and removed from my credit report immediately please.
Product: Checking or savings account

I had disputed an amount of {$1300.00} under Regulation E on my debit card and was prompted by an email on XXXX stating " if we feel it will take longer than 10 business days, you will receive a temporary credit for the amount in question ''. 

I had called numerous times throughout the 10-business days to confirm this. Unfortunately, I was denied the temporary credit even though in writing, it stated it would be issued and verbally numerous times. 

I was told I was targeted for the denial but not given a direct reason.