23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My chime account ( XXXX Bank XXXX XXXX Bank XXXX ) was compromised and unauthorized transactions was made. I sent in all the information that they requested regarding my claim. XXXX XXXX, information about cash app letting them know I didn't have cash app and information from the store my phone was stolen from. They have denied my dispute 4 times after promising me that they will provide me a temporary credit on my account. Soon as it time for the credit they deny my dispute with no explanation or what information was used to deny my claim. That money was from a Tax Advance that I never got to touch
Product: Payday loan, title loan, or personal loan

I was taking loans out from lendup for many years snd they kep charging me late fees and then reported me as a 30 day late on my credit reports I had multiple conversation with this company between XXXX and XXXX to get this report of my XXXX XXXX XXXX and XXXX. 
They ripped me if for hundreds of dollars for many years. 
I can not get this company to remove late payments I never had or get a refund for their fraud. 
Please help, Address used when I had loans XXXX XXXX XXXX XXXX XXXX CA XXXX Please let me know how to get this resolved as I have hire XXXX XXXX  to get this late payment removed with no success Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am requesting a temporarily BLOCK of the following account because its inaccurate, Wrong, Scamming consumers, Didnt respond correctly to the issue and 10 times they violated the FCRA sections. This account is hurting and violating a comfort of my life which is my CONSTITUTIONAL right. Is there anyone or any business can do whatever they want? If yes than Ill do whatever I want and nobody can tell me that I didnt follow US law. If this time this account still in my credit report and didnt make any changes I will violate the law like this company is doing and no one can stop me for anything. If XXXX  and CFPB are Government organizations and they handle all businesses across the United States, they have to take this meter seriously and block them for future reporting. Last action and If I receive letters from bureaus which contains ACCOUNT IS VERIFIED AND ACCURATE, dont be surprised that I will do same violation. 

CFPB PLEASE HANDLE IT I HAVE NO XXXX  AND I ALMOST BECOMING XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1700.00} 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

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 TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX XXXX XXXX XXXX  ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX XXXX XXXX XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 TransUnion dropped my Credit Score " Fico Score 8 '' from XXXX to XXXX a staggering 41 points. I called TransUnion, they stated my XXXX XXXX XXXX ( Master Card from XXXX ) did not reported a balance for this period. I filed a complaint with TransUnion and after a while I received a letter with the results of a reported balance of {$300.00}. Right after this they dropped my score another 6 points - a total of 47 points from XXXX to XXXX and I accuse they doing it out of retaliation! For the entire year I had scores from all 3 major Credit reporting agencies at XXXX and above! Never paid late, not one hard inquiry and the average credit use is 2-3 %. The other 2 agencies still kept my score at around XXXX - right now XXXX. This credit rating unjustified and completely out of line compared to the other ratings. This is damaging my credit status!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX.XXXX. XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Product: Debt collection

I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and XXXX XXXX XXXX, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but XXXX XXXX XXXX and Ascendium have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, XXXX XXXX, and Ascendium participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with XXXX and Equifax. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX XXXX is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( Equifax, XXXX and XXXX ) to remove this inaccurate information as my score is being penalized for it.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and some of my accounts have been compromised. Upon discovering this, I immediately reported the issue to the credit bureaus. Some accounts on my reports do not belong to me, while others were used fraudulently, resulting in unauthorized charges and negative remarks on my reports. 

I kindly request the deletion of the following accounts and hard inquiries, as they are fraudulent and not mine : - 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 Additionally, there is a fraudulent inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need your assistance in removing the negative remarks on my account resulting from identity theft. The compromised accounts are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX I have attached my generated FTC report from XXXX XXXX XXXX, as instructed by the bureaus. I have also included my ID, Social Security card, and proof of address. Thank you for your help.
Product: Credit card

I stop a payment with us Bank for XXXX a dispute regarding XXXX XXXX XXXX XXXX # XXXX. I sent in the document from XXXX. Which this company took my money and still my car leaks power steering* pump is very lose and not secure and still making that sleeking noise* need to be flush out replace power steering pump put in an old power steering gear or never replace. They done work on my transmission pan gasket which now is leaking * put in a re manufactured power steering pump. This all happened on XXXX XXXX XX/XX/XXXX.-XX/XX/2016 every other Saturday XXXX the manger had me come down for the same problem and then said he was replacing other things on my care. XXXX was just genny pig with my care I went to XXXX on XX/XX/2016 WHICH I HAD TO PAY {$100.00} for a diagnostic test again I ( want to be refunded back as well from XXXX because I still was having the same problem and my care is in worse condition since I took my care to XXXX. I sent in document of both company and photos to us bank. Now the claim processor wants me to get a third party to prove my case. I keep asking the bank did they receive my documents/ photos that the bank fax into the claim and dispute office. ( No respond ) Why do I need to make more extra run to business to prove my case when I sent in all the information .I been long time customer that just paid off all my credited cards and now I 'm being treated like this .Please help. ** US Bank I need a safe car to drive so I do n't crash and hurt another driver due to the lack OF knowledge of XXXX!! Us Please help** I need my car done correct so it can be safe to drive.
Product: Debt collection

This cable bill was open up in a whole another state with my name being use in a fraud ring. It was open up due to fraud.
Product: Credit card or prepaid card

Dear CFPB Counselor, I almost dread going into the details of this so that you can understand what has been going on since XXXX. I will try and outline events. I received a letter from Synchrony Bank 's Fraud Dept about suspicious charges on a credit card in my name. I did NOT recognize the card number but later realized it was an acct I opened online with a tire co in XXXX TX in XXXX to purchase a good used set of tires/wheels from a store called XXXX XXXX. I never received a credit card and didnt miss one since all was done online, I even set up automatic pmts to cover the promo NO INTEREST the company offered. 
In early XXXX someone named XXXX XXXX got my account number for the Synchrony XXXX XXXX retail account and got himself approved as an AUTHORIZED USER. This person lives in S.Florida somewhere in XXXX County, I live in N. Florida in XXXX XXXX County outside XXXX. 
I have been going around and around with Synchrony Bank 's Fraud Dept trying to prove to them I did not authorize this XXXX XXXX to use my card. I have no idea who this creep is. 
This same credit account was apparently not CLOSED when my promo was paid and the pre-set up automatic payments from my checking account was still active ... ... when this XXXX XXXX charged over {$2500.00} of merchandise on the account I hadnt a clue this was going on and automatic payments were withdrawn to keep the account current over the course of 2 years. I'd have still never known about this had Synchrony themselves not alerted me to 'suspicious ' activity on the card. I am guilty of not monitoring my checking acct as closely as I should I know. Synchrony after multiple letters and effort on my part finally relented earlier this year and said they have resolved the account and that I am no longer liable. I thought well GREAT!!! But what about all the money ( {$2700.00} ) that was taken from my checking acct, i want that back! 
I have documentation of everything I say. They sent me a check today for {$1400.00} which is {$1200.00} short. I am livid these cheap XXXX are trying to profit from me and they have done absolutely nothing to prove their case and I have done ABSOLUTELY everything to prove mine. I will never do business with them again.
Product: Mortgage

Wells Fargo sold my mortgage to XXXX XXXX the day after I closed in XX/XX/2007. Wells Fargo claims to be the servicer AND holds the note according to evidence and a statement they declared in my forclosure court case. How can this be possible with no paper trail or any documents showing this sale ever took place tying Wells Fargo and XXXX XXXX together regarding my property? How do I know it wasnt sold again to another investor that will make me liable years from now. The way I would know, according to my mortgage contract, says that whoever holds the note is the owner. Thats not the case, XXXX XXXX owns my loan. XXXX XXXX is the one that must forclose on my property. Wells Fargo sold my mortgage, along with its servicing rights and note, and was too busy to put anything on paper, so they continued to service it, and still do to this day. Not to mention, the note was never actually signed by Wells Fargo. It had a stamp showing the name XXXX XXXX XXXX Vice President Wells Fargo. I bet if we look at hundreds if not thousands of loans from XX/XX/2007, youll see this forged stamp signed off loans All across the country which would mean my note was never properly signed ( or dated ). It was not endorsed in blank which would make it impossible to transfer to XXXX XXXX in the first place. 
Wells Fargo forced this forclosure and in turn I have had to file bankruptcy which is ruining my life. No attorneys will help me, but they can see clear as day, that THIS IS FRAUD. Im tired of my life being affected because of some powerful jerks that dont care about my home. Im not leaving my condo if I have to shackle myself to the front door or Ride a donkey through the front doors or a Wells Fargo branch to get media attention. This is wrong and I NEED HELP. 
Cases exactly like mine have been handled by attorneys and have WON in the appeals courts for millions in damages to homeowners with the exact situation I am in. The difference is they have money for an attorney, I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there I sent a dispute out to Equifax round about XXXX pointing out an unlawful Late Payments that were reported by XXXX they are stating that I missed XXXX Months of payments one in XXXX, and XXXX, first off LATE PAYMENTS are illegal to report United States Code 15 1681A ( 2 ) ( i ) says consumer report does not include-report containing information solely as transactions or experiences between the consumer and the person making the report which is me and XXXX, secondly I attached copies of my bank statement showing that they received and accepted payment on the true month my bill was due which I will attach here too which makes them inaccurately reporting info which is not 100 % correct on my consumer report, I havent heard from them and when I checked my Equifax account its saying no disputes in progress maybe you can get to the bottom of this for me
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : 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 Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft.

The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 60-90 days 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. 


XXXX XXXX XXXX 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