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

Transunion has not responded to my challenge dispute letter sent to them on XXXX, XXXX 2019. Please see attachments. 

As of today, XXXX second I have not received a response letter from Transunion. 
A violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Number ( Included ) : XXXX My CFPB LETTER STATUS Sent to company on XX/XX/2023 XXXX Company responded STATUS Company responded on XX/XX/2023 Response is Over 30 days late. 

I told the XXXX and Transunion to reinvestigate these accounts : Account name : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account name : XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

cc XXXX XXXX cc : AG Office
Product: Credit reporting or other personal consumer reports

I do not owe XXXX a debt and they do not have a contract listing i owe them this debt and it is reporting inaccurately so it needs to be removed due to the fair credit reporting act
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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

I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the State. I am not a XXXX citizen. I am a citizen of the kingdom of Heaven. For He is my Creator. Isaiah 54:17 NKJV No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the Lord, and their righteousness is from me says the Lord. This complaint is against XXXX XXXX XXXX XXXX Experian, XXXX, XXXX by me, XXXX : XXXX XXXX of Live Birth is XXXX first XXXX. XXXX XXXX has flagged a closed account in our name. We sold our house in XX/XX/XXXX. XXXX XXXX is alleging we voluntarily foreclosed on our home. XXXX XXXX XXXX XXXX XXXX are making adjustments to unlawfully created accounts in our name. XXXX XXXX XXXX XXXX XXXX have made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my husband. XXXX XXXX did not disclose these recent flags or changes to the accounts to us nor did they have our consent to report to ANY consumer reporting agency or make adjustments to any accounts in our name. XXXX XXXX XXXX XXXX XXXX have unlawfully used our identification information to commit fraud violating XXXX XXXX XXXX and 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. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from Experian, my notifications showed XXXX XXXX  flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The deed was sold to XXXX XXXX to avoid the continuous harassments and abuse from XXXX XXXX and XXXX XXXX The threats, harassments and abuse caused us personal injury to ourselves, our children and our personal property. XXXX XXXX XXXX XXXX XXXX listed us as tenants in their unlawful/Illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX XXXX XXXX XXXX XXXX. They deceived us but the proof is in the sale. The documents we retained to sell our home required signatures of the OWNERS, Myself and XXXX XXXX. The consumer reporting agencies failed to verify accuracy of the provided information before the adverse affect of lowering our XXXX XXXX XXXX points both times. XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX are guilty of frauds and swindles, Identity theft, Aggravated identity theft, Failure to protect customer information of financial institutions and so much more.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

I've consistently made timely payments on this account, avoiding any overdue issues. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Product: Debt collection

I would like to file a formal complaint that portfolio recovery a collection agency is violating my rights by using false, misleading, misrepresentation and deceptive means by placing a collection on my consumer credit report. I am dispute that this collection agency did not provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report, also they have not given me a chance to dispute this account according to 12 CFR one 006.3 4C4I this collection agency has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 100634D and 15 US C 1681S278. I disputing only any and all debts to them. Also, I am revoking my rights of them communicating with me through email text and calls. Also, I am requesting debt validation as well as the purchase agreement between them in the original creditor. Also, I am requesting that they furnish proof that they are licensed and bonded, I am requesting that they please remove this account off my consumer credit report
Product: Credit reporting or other personal consumer reports

I'm a Bank of the west credit card customer. Which is now took over by BMO and I did have some balance on my credit card issues by Bank of the West with automatic payment. Which was stop on XX/XX/2023 due to BMO integration/technical issues. 
Now BMO is negatively reporting on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no
consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. 

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. 

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. 

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. 

I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX  XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states 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. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801. 

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agencies reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for XXXX XXXX provisions. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

I am interested in making weekly mortgage payments in order to decrease the length of my mortgage loan and reduce the amount of interest that I will pay over the term of my loan. I contacted my mortgage company and was told that they only have a bi-weekly program available and that they discourage clients from paying outside of the normal monthly payment schedule, as these payments are customarily held and not applied properly to the clients accounts. I should be able to choose the manner in which I make my mortgage payments as long as by the XXXX of the month, the entire mortgage payment is received by the lending institution. Also, it is quite disturbing to be told that they discourage this practice and that they are aware of the mishandling of the monies that are paid outside of the customary monthly payment schedule. Obviously, the lending institutions would prefer to have all clients pay only once monthly so that they can collect the full amount of interest that would be owed on the loan, but consumers should be giving the option of making payments on a different schedule, that may better suit them.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Month of XX/XX/XXXX, I made a request for a goodwill adjustment of my credit. I've continued my account for the past 8-10 years with only one payment past due during either XXXX XX/XX/XXXX My request for a Goodwill adjustment was denied. I always acted reasonably with my account. My wifeXX/XX/XXXX onXX/XX/XXXX, at which time I inadvertently missed a payment. I have been and is still current on this account since my inadvertent error. I simply think this creditor is being unreasonable in this instance due to my long credit history with them which proves my creditworthiness.
Product: Mortgage

I am disputing the answer from Wells Fargo under the following reason : On XXXX XXXX, XXXX in a settlement with California 's attorney general Wells Fargo agreed to provide loan modifications to all those homeowners who had a pick-a-payment. Therefore, Wells Fargo provided a Home Payment Relief Program '' ( HPRP ). Under this program Well Fargo promised to provide with interest rate reductions, term extensions, tax forgiveness, insurance advances, and principal forgiveness. I, as a homeowner with pick a payment, qualify to a loan modification under Wells Fargo Home Payment Relief Program but Wells Fargo keeps denying it for many years of this right. 
Every time I had apply for a loan modification, they ( WF ) had used my present circumstances to different programs but not the one under the HPRP which to my knowledge, it is a legal process that Wells Fargo had agreed to comply with under the settlement already mentioned. As an example of Wells Fargo tactics not to comply with the settlement, other than mine, there was a litigation on XX/XX/XXXX where WF was found not in compliance with the settlement of XX/XX/XXXX ( U.S. District Court in XXXX District of California No XXXX ). The point here is that Wells Fargo just keeps avoiding their responsibility to help homeowners with changing the pick a payment loans by providing a loan modification under different guidelines. 
I have tried to work this issue with Wells Fargo repeatedly month after month for years but they had kept playing " smart ' by using the regular guidelines and not the one it is suitable for my situation. Wells Fargo has fall short on their responsibility and I strongly believe they have to grant me a loan modification under their Home Payment Relief Program for pick a payment loans. For this reason, I had summited this formal complaint with you the Consume Federal Protection Bureau ( CFPB ) hoping to have a result favorable to my case at the end. 
I really appreciate your consideration in this matter and hope to hear from you soon. 

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

I am having a problem with my credit score due to the fact that I have old/negative XXXX  XXXX XXXX XXXX closed accounts on my credit report from XX/XX/XXXX - XX/XX/XXXX. I currently have an open account which I 've been paying on time since XX/XX/XXXX. I was told and understand these negative accounts which are closed are really hurting my credit score and I am asking if they can please be removed. If one looks at my payment history, all my payment have been on time and I am trying to rebuild my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal. Obligation under the fair Credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such a failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a customer.
Product: Student loan

After reviewing my credit report i noticed accounts from XXXX reporting as collections. I disputed the accounts as fraud contacted the agency and sent over police reports and affidavits of fraud and forgery. The agency sent me information that this " debt '' was from XXXX college, a school i have never attended. The credit bureaus sent XXXX a dispute with a 30day timeframe to respond. GLHEC rather than stop reporting and update these as disputed, sent me a letter stating that the investigation was closed and if i had further documents i could send to them, i then tried calling them to set up a payment even though the accounts are not mine only to find out the investigation isnt closed and they just sent out that letter to avoid the 30day timeline sent to them by the credit bureaus. To this date these accounts are still reporting as collections and GLHEC isnt helping nor following the rules of SCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Goldman Sachs, the issuer of my Apple Card, due to an error in processing my payment instructions, which has adversely affected my credit profile.

When setting up a payment plan with Goldman Sachs, I explicitly requested that the first payment be debited from one specific account and all subsequent payments from a different account. This arrangement was confirmed by their representative.

Despite this confirmation, Goldman Sachs debited payments from the incorrect account. This led to a missed payment when the unintended account lacked sufficient funds.

As a result of this missed payment, my credit report now reflects a delinquency, negatively impacting my credit score. This error was solely due to Goldman Sachs ' mishandling of my payment instructions. 

I have contacted Goldman Sachs multiple times to rectify this issue, requesting : 1. Correction of their records to reflect the accurate payment instructions.

2. A formal letter acknowledging their error to provide to the credit bureaus for correction of my credit report.

Despite these efforts, Goldman Sachs has not resolved the issue, and the negative mark remains on my credit report.