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

I am writing to formally raise a complaint about my initial attempt to remove inaccurate items from my credit file. The presence of these inaccuracies negatively impacts my financial standing and creditworthiness, and I am seeking your immediate assistance to rectify this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate entries that do not accurately reflect my financial activities. My initial dispute was submitted with supporting documentation to validate the inaccuracies. However, despite my efforts, these inaccurate items persist on my credit report.

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to correct the inaccuracies by removing the items from my credit file immediately.

Ensure that no further negative impacts occur on my credit report due to these inaccurate entries.

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these inaccurate items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I checked my credit and notice that there was a new card opened under my name for Capital One Banking Institution. I never opened a new account with them or applied for one. I only noticed it because it comes out in my credit report, and they ran my credit report causing it to go down.
Product: Mortgage

My name is XXXX XXXX I am a retired XXXX who is XXXX XXXX XXXXXXXX and on a fixed income due to major health issues suffering from XXXX  and XXXX and require XXXX  XXXX hours a day to survive. I have owned my home in XXXX, NY for XXXX  years but am facing a foreclosure sale on XX/XX/XXXX by Shellpoint Mortgage. We are in this situation due to health issues and then as we were getting back on our feet we were impacted by XXXX and tried to get Shellpoint to offer us a forbearance or help, but they told us sorry, pay the full past due balance or we cant help. When I began having health issues and retired I used my savings to pay the mortgage as long as I could and I tried several times to get them to work with me. I feel that Shellpoint does not care about their clients and did not allow me to access the programs available to help struggling homeowners with health issues or income loss due to XXXX. We have never been reviewed or considered for any type of homeowner assistance program by Shellpoint. 
Our hardship was resolved over XXXX year ago, but we still find ourselves in no mans land with Shellpoint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I began having health issues in XXXX and was forced to retire. I applied for my XXXX benefits but it took a very long time to get approved. During XXXX and XXXX we liquidated our savings making the mortgage payment to Shellpoint and we hired a third party to help us apply for a loan modification. We began missing payments in XXXX but were trying to be considered for a program to help us. Despite multiple attempts, Shellpoint never reviewed our paperwork or provided any type of modification or program to help us get caught up. Shortly after that I began receiving my monthly XXXX check and we attempted to resume our mortgage payments with Shellpoint but were told we had to pay the full past due balance. We were frustrated but started saving up our money to get back on track with Shellpoint. 

Unfortunately in spring XXXX XXXX hit our area. My wife XXXX works as a XXXX at XXXX XXXX and due to lockdown her hours were cut and our income dropped. Again we called Shellpoint to see if we could get any help since we were struggling due to XXXX but again their agents said there were no programs to help ( I think that is a lie ) and told us the only way to fix this was to come up with the full past due amount. Because of XXXX related income loss the plan to pay back the arrearages would not work. We continued to try and get Shellpoint to work with us or consider us for options and sometimes the agents would say they will send out a package but we never received anything.
Product: Credit reporting or other personal consumer reports

As I have emphasized before, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. This is to follow up on my previous attempt to address the fraudulent items on my credit file. It is crucial that we take immediate action to rectify this situation and restore the accuracy and integrity of my credit report. Despite our prior correspondence and my persistent efforts, it seems that the fraudulent items have not yet been removed. I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. 
Transparent communication regarding the progress made and the actions being taken to address these issues would be greatly appreciated. The following fraud items should be removed as soon as posssible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor eyesight and only have a mobile phone and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix
Product: Debt collection

My mother is XXXX XXXX XXXX. Her account was compromised due to fraud. A detective from M & T bank contacted me in XX/XX/XXXX to tell me there was money being laundered from her account. My mother took out credit cards to pay the thieves from her account.. The tellers at the bank allowed an XXXX XXXX XXXX women take out credit cards totaling approximately {$11000.00}. M & T was aware of my mothers financial status. She is now in {$11000.00} debit to M & T bank. I believe M & T has predatory lending practices and we would like to have the credit cards discharged. She has already paid approximately {$3500.00} in credit card bills to M & T. 
I have contacted M & T on numerous occasions XXXX, XXXX and recently in XXXX. I have called on behalf of my mother and the matter has not been resolved. 

Your attention to this matter would be appreciated. 

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

I have a Perkins loan with UAS Connect which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of UAS on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX  XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX  arranged accommodation to protect my family because I am an exposed person to this virus due to my work environment.

I did not think it is fair, rational or empathetic for UAS to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made.

I am not asking for too much, I am giving my best in this fight against covid-19
Product: Credit reporting or other personal consumer reports

I have notified Experian that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. I am writing to formally dispute inaccurate information on my credit report. 

This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request Experian to remove the following ( 3 ) inaccurate, unverifiable, fraudulent inquiries from my report. 

1. XXXX XXXX/XXXX/24 2. XXXXXX/XX/XXXX/XXXX/24 3. XX/XX/XXXXXXXX XXXX XXXX/XXXX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXXXXXX XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB/AMAZON Inquiry : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Student loan

Hi my sister fraudulently forged my name as a co sign on private loan from XXXX XXXX XXXX. I just found out this happened when I tried to get my student loan and financial aid. This happened in 2012 I never was around my sister at that time!
Product: Credit card or prepaid card

Reported me 30 days late within the same month the bill was due and paid.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Student loan

I have an extensive timeline of records. I've tried to reach out, well in advance, to Navient about my IN SCHOOL status and my inability to repay while I'm in school. Prior to my loans becoming due, I contact them by email and by phone. I told them about my IN SCHOOL status and that I should be completing my XXXX at XXXX sometime towards the end of 2020. Worst case, I told them I could pay like {$170.00} a month or less. Just something to pay towards the Private Loans to show good intent. To date, I keep getting refusals to help when I call. However, days later I get emails from Navient employees saying they can help me. When I call, they refuse to help me. It's slightly abusive. Moreover, It's absolutely idiotic. Why a company wouldn't try to help someone earn more money so they can repay their debts is outrageous. I've filed complaints to the XXXX. I've filed complaints here. I'm also seeking at Attorney shortly. Even though I've voluntarily paid small amounts per month from XX/XX/2020 forward, they still reported my Private Loans as delinquent to the credit bureaus. I was told specifically by Navient employees this would not happen. I'm angry and fed up with Navient.
Product: Credit card or prepaid card

Hello, On XX/XX/2021, I returned from XXXX to my home in XXXX XXXX, NC. I informed the bank of my travel dates. 
On XX/XX/2021, when I was at a XXXX in XXXX, NC ( close to my home ) I received a text message ( attached ) from Wells Fargo asking me to verify my purchase activity. The text asked about a {$1000.00} charge at XXXX XXXX NY and then another charge at the same vendor for {$970.00}. I did not reply to that particular text, and I never authorized those purchases. For some reason, Wells Fargo removed the {$1000.00} charge without my intervention but they accepted the {$970.00}. However, they cancelled my credit card, because as I was at XXXX ( XXXX, NC ) my credit card was rejected, which means that they had suspicions of fraudulent activity. I used my debit card ( from the same institution, Wells Fargo ) at that XXXX. I have included screenshots of both the credit card account and the debit card account so that the information showing proof of me being in NC buying at XXXX ( where my credit card was rejected ) is highlighted. 

Two days later, I opened a dispute on the remaining {$970.00}. The whole process has been XXXX. I have spent more than 8 hours talking to generally unkind and unhelpful representatives. I have asked them to re-open the case three times, and all they say is that my fraud request claim has been denied because " Since your credit card was in your possession at the time of the transaction, it was concluded that the charge was authorized and the claim was closed. '' While the credit card was indeed in my possession, as I was trying to use it at XXXX, the {$970.00} charge at XXXX XXXX NY is a fraudulent one. I can not be both at the XXXX XXXX in NY and the XXXX at NC, where I live, at the same time. 

I faxed the same materials that I am attaching here at the request of one of the representatives ; one of them confirmed that they have received them and were considering them. Then a second one denied that I had sent that fax. I did send the fax and I even used the fax at the local branch of Wells Fargo in XXXX XXXX, NC. The manager of the branch sent those documents herself and was very kind. 

At this point, they just want me to accept that I made a purchase in NY and they do not believe me, nor they have considered the proof. I have offered them to contact witnesses, to ask me any questions, and they keep saying that since the card was in my possession and a chip was used and a chip can not be duplicated, that I must have done the purchase. 

I am a mom, a home owner, I have good credit, I have had the same job for 12 years, I have a PhD and an MA, I have been a customer of wells fargo for 20 years, I have always paid all my loans and bills on time, I don't have a criminal record, I have not committed fraud in my whole life, and yet they say that I had the card and I made the purchase, but they do not show proof of it even when I have requested proof. 

I am despearte at this point, since it is their word against mine and they refuse to look at the attached materials. Nothing I can do convinces them. Thank you so much for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights on 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

This account was opened XX/XX/XXXX and paid as agreed. It was closed on XX/XX/XXXX. Now it's showing up on my XXXX, XXXX, XXXX and XXXX XXXX accounts as an adverse account and it's adversely affecting my credit profile.
Product: Payday loan, title loan, or personal loan

The following company is not bonded to collect debt in the state of texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017
Product: Credit reporting

Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts and account numbers are what I believe to be fraudulent. I have detailed the nature and the way I believe the thieves who stole my identity previously to the bureaus with out any resolve. I am requesting these accounts are removed immediately.
Product: Credit card

I made a payment to my account in XXXX to pay off the account. I was going to receive a refund because the check was more than the account balance. I have called asking for my refund check numerous times and told I should receive the refund within XXXX business days. It has been two months and I have yet to receive anything. Each time I call I told someone will call you regarding this matter and no one ever calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.