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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$3500.00} XXXX. XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2900.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$210.00} XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, PenFed, and Credit Bureaus, I am writing to formally dispute the recent changes in my credit report related to my mortgage account with XXXX XXXX XXXX XXXX ( PenFed ). I have attached all relevant documents and screenshots to support my dispute. 

Details of the Dispute : Mortgage Account Information : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : Incorrectly reported with added interest, causing an inflated balance. 
Payment History : I have made all required mortgage payments on time, as shown in my payment history. There have been no missed or delayed payments. 
Credit Score Impact : On XX/XX/XXXX, my XXXX credit report showed a six-point decrease in my XXXX score, with the explanation that the balance on one of my accounts increased by {$7300.00}. This is incorrect and unjustified, as the increase appears to reflect interest or other charges that do not accurately represent my mortgage balance. 
Incorrect Reporting of Loan Balance : The balance reported on my credit file has been increased without any justification. This negatively affects my credit score and financial standing. 
Impact of the Errors : The errors in reporting have caused a drop in my credit score, which can lead to unfavorable financial consequences such as higher interest rates, reduced creditworthiness, and limited access to credit. 

Requested Action : Investigate the reporting of my mortgage account and correct any inaccuracies, particularly regarding the loan balance. 
Ensure the payment history reflects the accurate status : no missed or late payments. 
Update my credit report across all credit bureaus to reflect the correct balance and restore my credit score. 
Provide written confirmation of the actions taken to correct this issue. 
Supporting Documents : Screenshots of my account showing on-time payments and accurate balance. 
XXXX credit report highlighting the discrepancies and credit score drop. 
Mortgage payment receipts. 
I request an expedited review of this dispute and expect a response within 30 days as required by law. Please do not hesitate to contact me for additional information. I appreciate your prompt attention to this matter. 

Also on XX/XX/XXXX, my XXXX added information to my XXXX credit file for a third time after the mortgage which made, my score dropped significantly from XXXX to XXXX and never went back up again. 

This unexplained credit score drop is adversely impacting my financial reputation and may affect future financial opportunities. XXXX lack of response and resolution over a seven-month period is unacceptable. 

Supporting Documents : I have attached screenshots of my credit reports and scores from various platforms to demonstrate the discrepancy and consistency in my credit behavior. 

Requested Resolution : A thorough investigation into why my XXXX credit score dropped by over XXXX points on XX/XX/XXXX. 
Immediate correction of any errors or discrepancies in my XXXX credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied for a OneMain Financial Loan and got approved. Upon approval, my credit score took a hit across XXXX, XXXX and XXXX. Once submitted criteria requirements for next steps, the loan provider called me and closed my account leaving me with no loan and a hit to my credit score across XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have been filing complaints to correct my address, my phone number and my email... Nothing gets done The only company that I am able to log onto the website and see my report is XXXX. 

Experian I have called for months, AI prompt will not allow you to speak to an agent and being that they do not have my correct phone number listed I can not recieve the code for verification. 

XXXX you speak to agents they have to send you a link to upload your License and take a selfie, which works, but then they say they cant verify me because my phone number. I have tried, been patient and I am getting the run around. PLEASE PLEASE PLEASE UPDATE MY INFORMATION SO THAT I MAY LOG INOT MY ACCOUNTS NAME : XXXX XXXX XXXX PHONES : XXXX OR XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMAIL I AM CHANGING SO THAT I CAN START A CLEAN SLATE XXXX this is a draining process. I have tried and tried to get into my accounts with no success. 


EXPERIAN EVEN ACKNOWLEDGES THAT IT RECEIVED DOCUMENTS IN XX/XX/year> FROM CFPB BUT WONT UPDATE MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections agency recently put a collections item on my credit report from a service on a home that I sold over 3 years ago. I cancelled that service with that home when it was sold. While XXXX removed the incorrect collections action from XXXX XXXX out of Utah, Transunion has kept it on my report and thus impacting my Tier for a home mortgage. This has become almost impossible dealing with 3 separate credit reporting agencies. It seems you get an incorrect item removed from one and it shows up on another bureau. I am asking that action be taken with Transunion to remove this item from XXXX XXXX once and for all! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX account continues to violate my rights as a consumer THE DATE OF THE FIRST DELINQUENCY THAT IS ILLEGALLY CHANGED ( MUST REFLECT THE MONTH AND THE YEAR IN WHICH THE FIRST DELINQUENCY OCCURRED ) by law they have to report the three credit agencies 100 % the same and true information, Also by law they can not report this account without my authorization. PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX  XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX
Product: Debt collection

Portfolio Recovery XXXX closed this account and then illegally reopened it on my credit report. It was closed XX/XX/2020 and reopened just the other day on my credit report. This is illegal and I do not know what this debt is. I have been trying to dispute it for months now.
Product: Credit card or prepaid card

On XX/XX/2022 I made a payment of {$3100.00} to my Citi bank credit card to payoff the balance of a balance transfer offer that was expiring on XX/XX/2022. At around the same time I agreed to an offer from the same company on a flex loan for {$10000.00} for the purchase of a major item. Instead of the payment for {$3100.00} being applied to the balance transfer offer that was expiring, they applied it to the flex loan of {$10000.00} I just received. At the time of payment, I assumed the flex loan was completely different than the remaining balance, as it was showing up on the statement as a loan. 

Wednesday XX/XX/2022 I contacted Citi bank about the issue. I spoke to 2 customer service representatives about this issue and was unsuccessful. I was offered a few subpar offers to rectify the situation that would have cost me more in fees. I am not asking for any money back. All I was looking to accomplish was to have my intended payment on XX/XX/XXXX be applied to the balance of the expired balance transfer offer that is now being charged 20 %.
Product: Debt collection

It is reported that I owe {$430.00} which is an open balance on my credit report. I have never received any communication from the debt collector, nor has this debt been validated. Not sure how this debt can be an open account that is reported monthly. I would like this removed from my consumer report as it has been false reporting
Product: Mortgage

I pay my mortgage through my bank, XXXX bill payment, which has a one ( 1 ) day electronic payment process. Well by XX/XX/XXXX PHH still showed my mortgage had not been paid. I telephoned XXXX and they said the payment was received by PHH on XX/XX/XXXX. I telephone PHH and they indicated that they had not received the payment. I spoke to XXXX who indicated that it takes five days to process. However, XXXX indicated that because the payment is transmitted electronically, it is sent in one day. PHH reassured me that I had 15 days to pay before a late fee would be applied, however, I'm concerned that I am being charged interest on the amount that I already paid. I then notice that on the dashboard page it showed that my payment had not been received, however, when I check the payment activity it shows it was received on XX/XX/XXXX. I've made 5 mortgage payments yet the website says I've only made 4 payment. I received an email that indicated the payment was received on XX/XX/XXXX. Then I received an email saying the payment was received on XX/XX/XXXX. Over a 30 year mortgage, the interest charges could add up if my account is not credited in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just getting my credit report and I seen that I had some address that are not mine. I never lived at these Places not sure how that got on my credit file. My name is XXXX XXXX DOB XXXX SSN XXXX My address is XXXX XXXX XXXX XXXX, OHIO XXXX. Please delete any other name and or addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # - XXXX ( XXXX XXXX XXXX ) - XXXX ( XXXX XXXX XXXX ) - XXXX ( XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled a copy of my credit report after disputing with the credit agencies and noticed they are still reporting addresses that I have never lived at. they are also not reporting legally my name as it is on my California Drivers license and Social Security card. I have written them several times with this matter and they refuse to delete the incorrect information from my credit file. 

this is the correct way my name should appear ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX are addresses that I have never lived at. Please remove this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because.

According to 15 USC 1681, I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am reporting the mishandling and negligent care by USAA Wire Fraud department. I was scammed for {$4600.00} transferred from USAA to XXXX XXXXXXXX XXXX for first and last months rent. My would be landlord cut all communications after they solicited additional money from my wife via bank transfer to secure the keys to the property. USAA opened and closed the investigation within one hour. USAA is taking no additional action to further attempt to retrieve our money. USAA representatives have failed us long time customers. 

XXXX USAA checking wire transfer to XXXX XXXXXXXX XXXXXXXX in the amount of {$4600.00} XX/XX/2024 Called USAA to submit a wire transfer fraud report. Was told to wait 7-10 business days. 

XX/XX/2024 Called USAA to submit the police report case number and was notified by USAA that no wire transfer report was created. 

XX/XX/2024 USAA called us within 1 hour to notify that they have closed the case.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time. 
Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is report a collection. I want this erroneous information remove from my account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXhird Party Debt Collector, who appears to be fraudulently claiming authority to administrate for XXXX XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX is authorized to administrate on behalf of XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXXXXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Caveat : 1692G.

The Trust disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion Subject : Demand for Immediate Removal of Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX XXXXXXXX part of identity theft report XXXX XXXX XXXXXX/XX/year> I am writing to formally demand the immediate removal of an unauthorized hard inquiry that has been placed on my credit report. Upon reviewing my credit report, I noticed an inquiry from XXXX XXXX XXXXXX/XX/year>, which I did not authorize and is part of my identity theft report Under the Fair Credit Reporting Act ( FCRA ), no entity is allowed to make a hard inquiry on my credit report without my explicit consent. I did not authorize this inquiry, nor do I have any active business relationship with the company in question. This inquiry is therefore in direct violation of federal law.

I require you to immediately investigate this matter and remove the unauthorized inquiry from my credit report. I demand written confirmation of the removal of this inquiry within 30 days of your receipt of this letter. Please be advised that failure to remove this inquiry may result in further action, including filing formal complaints again with the Consumer Financial Protection Bureau ( CFPB ) and state Attorney General 's office, as well as potential legal action.

Enclosed, you will find the following documents to aid in your investigation : A copy of my government-issued identification ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A copy of identity theft report Sincerely, XXXX XXXX
Product: Mortgage

I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma.