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

Account information does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX equidaz credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
Product: Payday loan

Lender contact info is no longer working, both telephone and email. Installments increased from {$330.00} a month to {$450.00}. And we 're only supposed to be for 2 months now going on 4 months
Product: Credit card or prepaid card

On XX/XX/XXXX someone opened a capital one credit card in my name. I don't know how or who. I reached out to them in XXXX and informed them I was a victim of identity theft. I asked them to remove this blemish from my credit report. They have not done so. I have asked several times. I never signed anything or even received anything in the mail to apply for this card so it bothers me that they allowed someone to do this to me without try to verify it was me!
Product: Checking or savings account

Debit was card fraudulent used. Did a claim with Wells Fargo on XXXX XXXX for the amount of {$88.00} and {$790.00}. I received a letter on XX/XX/year> stating I am responsible for the transaction of {$88.00}. Contacted Wells Fargo and was told that the {$790.00} was still under review but they had evidence that I authorized the {$88.00}. Explained to them I did not do it. My info had to be stolen in their data breach or in another one because I been receiving letters and they said no thru had evidence. When asked for the evidence was told they couldnt provide it. When I asked to appeal it was told I couldnt. Asked for the merchant information was told they did not have it because Visa did the investigation. Called Visa and was told Wells Fargo has to appeal it. After 3 hours getting bounced between representatives nothing was done.

I did not authorize the transaction that I disputed and I dont want to be held responsible for a data breach where my information was stolen. Wells Fargo isnt willing to try.
Product: Student loan

I have no accounts with US DEPT OF EDUCATION/GLE. My student loans were with XXXX which are completely paid off and closed as of XX/XX/2021. US DEPT OF EDUCATION/GLE is reporting to XXXX when XXXX have no accounts whatsoever with them at all. Please US DEPT OF EDUCATION/GLE cease all reporting of this negative account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names, address, XXXXXXXX XXXX  - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have perfect payment history and a low balance on my mortgage. Because of this my mortgage is bought and sold on a regular basis. NewRez mortgage bought my mortgage but my payment went to the old company. I was in constant contact with New Rez and even made a double payment as I waited for my payment to be returned from the old company. NEw Rez advised me this happens often and nothing would be report negatively against me. Unfortunately they did not stay true to their word. Upon review of my entire credit report you will see I have perfect payment history on all of my accounts for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX DOB : XXXX LAST 4 OF SOCIAL : XXXX REPORTING COM : Caliber Home Loans On XX/XX/XXXX a mortgage company posted 30 days late on my account " Caliber home loans '' They haven't received my check And called me 7 days before the 30 days due date, I made the payment right away with their rep on the line, he DID NOT inform me that with the payment method I chose it will take them 7-14 days to receive check, they got the check 1 day after the 30 days due date and reported 30 days late. 
Lack of communication on their side while I was completely registered with them, including email and phone number and alerts. 
Tried to speak to their supervisor right after incident and they kept saying he or she is sick, took me 2 weeks to speak to a supervisor. 
I tried to dispute this and they are not cooperating with the beaural attempts to resolve this. 
Was reading other people complains online and I'm not the only one.

I have two mortgage companies I'm dealing with, and a problem like that never happened, I take my credit very seriously and because of their lack of communication I got into this situation. 
They keep saying that because it was 1 day after the 30 days than it's not an error, instead of taking responsibility for their actions, informing me sooner they haven't received payment and most importantly telling me to choose a different payment method so the payment will be reflected right away. 

Sent them a proof already that payment was made at the date of their call ( 7 days before the 30 days ) And a letter from the bank indicating I had over 30k in my account at the time, so there wasn't any problem with my ability to make payment. 

Please help me resolve this matter and to remove their late payment from my report.
Product: Credit card or prepaid card

I set up an open line of credit with Wells Fargo in XX/XX/XXXX. After paying off the debt I called to close the account. I was informed that I could keep the account open with no penalty, hesitantly I decided to do so. In XX/XX/XXXX I began receiving notices of statements via email. I contacted Wells Fargo and closed the account. Or so I thought, I received yet another notice which indicated to me that the account had NOT been closed. I contacted them and found out that not only had it not been closed, but that I would have to pay {$120.00} fee for having it open ( {$25.00} annual fee ). I paid them. I was then told that I could not close my account for another day for the payment to post. Then I was told that due to a weird way that they had to process the payment it would instead be a week. So not only am I paying fees, I was told I would not pay, I am also getting the run around on closing the account.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion
Product: Checking or savings account

We have a business checking account for our restaurant at M & T Bank. In XXXX three fake checks were cashed at XXXX XXXX. 

# XXXX for {$1900.00} # XXXX for {$2000.00} # XXXX for {$2800.00} The total is up to {$6800.00} The checks do not appear to be " washed '' checks. They are not in our printing sequence, nor on any setup of how our checks present visually. So they seem to be newly printed forgeries with our account information and address. 

M & T has been notified of the fraud bur refuses to return the money until they receive it from XXXX XXXX. 

That is between them and XXXX  but we are a client of M & T and it is their responsibility to return our stolen funds regardless of the fact that the checks were cashed at XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning persistent inaccuracies and procedural deficiencies in the handling of my credit report by multiple reporting agencies. Upon reviewing my credit report in XX/XX/2023, I identified several discrepancies that misrepresent my financial behavior and creditworthiness. 

Identified Accounts with Discrepancies : 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 

Despite notifying the concerned agencies and requesting a thorough reinvestigation, the responses I received assert that all information is complete and accurate. This conclusion is demonstrably false and contradicts the evidence I have attached with this letter. 

Legal Grounds for the Complaint : 1. Fair Credit Reporting Act ( FCRA ) Requirements : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681e ( b ) ).

2. Duty of Furnishers of Information : Under 15 USC 1681s-2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

3. Obligations Upon Dispute : As per 15 USC 1681i, if a disputed item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected by the consumer reporting agency, which then must notify the furnisher of the change.

Issues Encountered : 1. Inadequate Investigation : The agencies have failed to perform a proper reinvestigation as mandated by 15 USC 1681i. The evidence I submitted, which highlights discrepancies, was overlooked or ignored.

2. Lack of Communication : Contrary to 15 USC 1681i ( 7 ), I was not provided a detailed description of the reinvestigation process within the stipulated 15-day period following my request.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are addressed by having the disputed accounts deleted from my credit report, in accordance with 15 USC 1681i. This action is justified given the failure of the credit reporting agencies to adhere to the statutory requirements regarding the accuracy and verification of reported information. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

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

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. ( XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00} )
Product: Debt collection

On XX/XX/2019 I called to settle a debt with the company. I verified my information and corrected my address since they had my old address. I then settled my account. After I finished I asked about settling my significant other 's account. I gave his name and said the debt would have been under the same address. I was told they could not discuss his debt nor take a payment from me for his debt. Four weeks later, I have a letter from the company in regards to his debt. If I'm not mistaken it was stated that the information obtained from me was to be used solely for the collection of my debt. Instead, it was used to up date his account to collect his debt. A debt that they refused to take payment on.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I do not remember for applying Credit from following 1st and 2nd company.

I request you to pls remove off from my credit report. 
1 ) Wf Crd Svc : Inquiry Date : XX/XX/XXXX National Credit card Cos. 

2 ) XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX National Credit card Cos.

and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Telephone Companies
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/1988. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry. 
The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request. 
What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.
Product: Credit card or prepaid card

I purchased two rings from XXXX XXXX. I wish I would never have walked into the store. First, the sales associate sold me on the credit card. Which was a perfect idea. She did so by telling me that I would get a promotional credit and that I could use 6 months at no interest, but i needed to still make payments. I signed up and was approved. 

I told her that my address had changed and the one on my drivers license was incorrect. She still put my old address in there, causing the statement to be lost. I never received it or the card. But I was charged late fees and interest. 

I called and a young lady said she would take care of it. I saw credit for the interest but never for the late fee. I had to contact them again for the credit of the late fee, which was finally processed. 

Then i received a letter in the mail saying i didn't qualify for the promotion which I was told i did so they REBILLED me the interest they should have never charged me to begin with!!!!! 

I've paid the account off and I want credit for all of the late fees and interest that i was billed. 

I have many other accounts through this bank and now I'm contemplating closing all of them because I was lied to and they refuse to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Credit reporting, credit repair services, 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. 

I sent XXXX, XXXX XXXX, and Equifax a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX : # 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 suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, XXXX # XXXX Equifax # XXXX XXXX # XXXX. 

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 in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.
Product: Checking or savings account

My account was hacked on multiple occasions and I believe it was an inside job. Ive called multiple times, and I made them aware that the first fraudulent transactions happened from someone pretending to represent Truist. I have now an overdrawn account, my money was not returned to me, no representatives can help and it just happened again today.