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

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$790.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Home insurance was always in place. Fire insurance lapsed due to archaic payment system. Was for 1 day. All info updated with Mr cooper but now they want to charge retro insurance for 1 week. The lapse was for 1 day and I always had home insurance it was just a brief lapse of fire insurance for 1 day. I will not pay for a week of retro insurance to them. This is rediculous. I have sent over docs multiple times and still they want to charge me.
Product: Credit reporting or other personal consumer reports

I first contacted Caine & Weiner in XX/XX/year> after I was alerted of the account being listed on my credit report. I spoke to a Representative regarding no knowledge of the account because I have never used the services of XXXX XXXX XXXX XXXX. I disputed this account on my XXXX credit file and after XXXX investigated this item and it was deleted from my XXXX file. I received communication from Caine & Weiner in the form of an invoice from XXXX. I reached out to them again regarding the invoice received. I asked why I was sent an invoice and the representative responded, " it's proof that you owe the debt ''. I again stated that I have no knowledge of this account because I have never done business with XXXX  moving and storage. After speaking with this company, I was again notified that this item was listed on my XXXX credit profile. On XX/XX/year>XXXX, I sent Caine & Weiner a debt VALIDATION letter pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by way of CERTIFIED MAIL on XX/XX/year>, and they received it on XX/XX/year>. I requested validation of the debt, including the original contract with the original creditor with my signature on it, age of debt, and proof of assignment along with evidence that I am legally responsible for the debt. Instead of responding, they listed this illegal account on my XXXX credit profile as of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have several inquiries that I do not recognize or did I authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian in XX/XX/2021 concerning a bankruptcy that is inaccurately listed on my credit report. 

On XXXX XXXX, Experian responded to the dispute and advised it had been verified as accurate by their third party company XXXX. I was advised i would have to contact XXXX XXXX for a method of verification. 

I wrote a method of verification letter to XXXX XXXX, and they mailed me a letter back on XX/XX/2021 and they explained that they were unable to verify the bankruptcy and that they removed it from my consumer report, and provided me with a official letter. 

I also obtained a letter from the US Bankruptcy court, and they advised that they do not furnish bankruptcy information to the credit bureau nor do they respond to disputes. 

I contacted Experian and advised that I had a letter that confirmed their third party company was unable to verify the bankruptcy and it has been deleted. 

Experian has refused to remove this inaccurate information, and keeps telling me that they get their bankruptcy information from the courthouse, which is not true. I uploaded my letters to their website to prove the information must be removed and they will not comply. 

Everytime i call for a supervisor, i am told someone will callback and they never do, and they continue to place me on extended holds for over 30 minutes and never return to the phone. 

Experian is in violation of the FCRA and I wish to file a complaint
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX/XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Theses are all reported improperly
Product: Credit card

returned a camera light that did n't work. vendor denies receiving unit. disputed the charge. card company requested proof of delivery from me & i sent date/time stamped tracking report from USPS showing fr.door/porch delivery 4 days after i sent it. now they are still not wanting to complete refunding my {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from XXXX XXXX As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Recent cybersecurity breach at Equifax led to release of personal information of millions of users ' social security numbers and other important personal information that can lead to identify theft crimes. I am one of them. I have tried to resolve the issue with Equifax and while they admit the breach, they can not provide sufficient protection that will ensure that my identify will not be stolen. For example, 1-year of credit monitoring is too short, as my social security number ( SSN ) will now be in public forever. Also, even if I were to change the SSN, Equipfax does not provide any assistance/compensation regarding the times I lost changing my SSN, contacting various financial/governmental agencies to inform that I have changed my SSN, and other time/energy/finance consuming activities that will entail. The company 's response to one of the most serious security breach is insufficient for consumers to be protected from the identify theft.
Product: Credit card or prepaid card

Chase is Charging me interest of {$25.00} AFTER card was paid in full prior to the due date. This is a total scam and it needs to be credited!
Product: Checking or savings account

there was an unauthorized transaction made on my paypal account. following up with the bank disputing a refund successfully the first time, it was then reversed right after saying that they saw no unauthorized payments after receiving all the proof and documents i provided them. this has been going on for months now and want my money as i do not want to escalate this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX CFPB Complaint ID : XXXX Its been past 30 days since I disputed a fraudulent item with the Consumer Financial Protection Bureau XXXX Experian has failed to respond within the 30 day time frame. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days and bureaus that fail to meet that criteria can be punished. They must at least respond to the consumer in 30 days, and if they fail to respond in 30 days, the disputed item is required to be removed. 

As a result of your conduct as described above, Experian shall promptly delete the disputed information. Additionally, as per the FCRA, Experian is liable to me for damages to my credit profile. Thus, in addition to Experian deletion of the disputed information, Experian is commanded to send a check in the amount of XXXX payable to the order of XXXX XXXX. Be advised, this is not another dispute letter or opportunity for Experian to reinvestigate the dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law!
Product: Checking or savings account

Hello, I had opened a BBVA Checking and Savings account under the promotion they were offering : BBVA Compass is offering {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00}. Use promo code XXXX. 
You can also get a further {$50.00} by opening a savings bonus by opening a new savings account. The savings account balance must be {$500.00} or more on XX/XX/XXXX. 

My account was opened on XX/XX/XXXX and I had numerous direct deposits hit my account over {$500.00}. I also had over {$500.00} in the savings account and still do to this day. 

I fulfilled the requirements to recieve the bonus and I reached out to BBVA to research. They told me I didn't have a promo code attached to my account and there was nothing they can do. I believe it's on them that their system didn't apply the promotion to my account when I used to promotion link and applied the promo code to the account online upon signing up. 
Their response to my inquiry : " I reviewed your account and was unable to locate any promotional offer coded to your account. The offer required that a code be placed on the account at the time of account opening. So unfortunately we are not able to add any codes once the account is already opened. You do not qualify for this bonus at this time. '' Please file a formal complaint on my behalf for the {$250.00} owed for the promotion promised by BBVA. 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They are robbing people. I sought a XXXX loan and repaid it in a month, they have since charged me XXXX even though the loan was paid. I took a loan for XXXX and they mark me as owing over XXXX, I repaid the loan in a month and sure I could expect some early repayment fee or interest but this is insane and WRONG! Their website " my account '' is not accurate or transparent. Does not show what is really owed or pay off quotes. Their customer service is non-existent because they know they are stealing from you and being allowed to. Account opened XXXX XXXX XXXX for XXXX but claims a loan for XXXX XXXX XXXX I paid it back XXXX and they charged me on the XXXX XXXX, they charged me again XXXX XXXX another XXXX, and XXXX XXXX another XXXX claim I still have a balance of {$4500.00} for a loan of XXXX which I have now paid at least XXXX. I do n't want people to get ripped off I hate being screwed over and if there 's anything you can do to protect people and help people from shady lending practices here and other places then you 'd be doing a great service. I contacted Consumer Financial Protection Bureau before. I also contacted XXXX.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of {$8500.00}. When I received the loan estimate, it showed that we would have to pay {$11000.00} in closing costs. Because the costs of the loan were much different on paper than what XXXX had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, XXXX claims that I owe his company {$150.00} for an application fee and {$300.00} for the appraisal of the home. However our real estate agent and the seller 's real estate agent both confirm that no appraisal of the home has been conducted. Nor were they contacted by any appraiser so that they could begin working with the property.
Product: Credit reporting or other personal consumer reports

Equifax has not answered my dispute nor have they fixed the errors on my report. In my previous complaint XXXX they asked for me to send in identity information. But as you see in the previous complaint all relevant information was submitted to identify who i am and my report with them. This is ridiculous and they need to be held accountable for their actions, of lying that they couldn't verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2023 Wells Fargo reported a 30 day late on my account. When I talked to Wells Fargo the gentleman told me that I was ok when I made the payment and as I noticed the payment got reported late recently. This is a very frustrated situation as I was told that it would not be reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Mortgage

XXXX I was put on a trial loan modification. I paid XXXX, and XXXX but I wasnt able to pay the third one. A law firm sent me a letter stating they were gon na auction my home off in order to satisfy their clients interest in a pass through trust. They have right to foreclose. I have not signed any contract with them for a loan. Privity of contract states that the only parties that can enforce a contract are the original parties to the contract. They were not a party to the original contract. Even if they bought the loan they stilll have no right to enforce the contract.
Product: Credit reporting or other personal consumer reports

I initially requested my " XXXX XXXX Report '' from Lexis Nexis using their online portal on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Lexis Nexis telling me that they were " unable to process my request ''. Per the instructions in the letter, I provided additional verification documents online, ( a scan of my driver 's license ) and received as a case #. 

I did not receive anything by mail, so I called back on XX/XX/XXXX. I verbally confirmed information with the company, and was told to expect my report by mail. 

On XX/XX/XXXX, I made another request online as I was attempting to find the phone number to call Lexis Nexis back. I called them the same day, validated my information again, and was told that I had been mailed my disclosure in XXXX and in XXXX, which I had never received. 

On XX/XX/XXXX, I received a second " unable to process request '' letter. I called them back during business hours on XX/XX/XXXX, and was told that the letter I had received on the XXXX was as a result of my online attempt made on XX/XX/XXXX. I was further told to wait for XXXX weeks before following up again, because the letter was in the mail. 

As of today, XX/XX/XXXX, I have not received my XXXX XXXX Report. I have received XXXX denial letters from Lexis Nexis, as described above, but not the actual report I have requested. I would like the CFPB 's help in obtaining this report.
Product: Credit card or prepaid card

My account has been charged unauthorized since XX/XX/2020. Since then I have disputed these charges and Discover has given back credit. They continue to let XXXX XXXX to charge my credit account even after several times pointing these charges to Discover being fraudulent. Even after they concluded their investigation and getting lack of documents to prove these charges from XXXX   XXXX. They continue to let these charges subside to my account, and when it does. They'll charge my account all the months that I started to dispute these charges. There is no protection to the consumer and this is my last result even after contacting Discover several times for the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX Wakefield & Associates {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.
Product: Credit reporting or other personal consumer reports

All of these creditors and financial institutions have committed identity theft with my information. I have revoked my power of attorney and exercised my right to opt out under 15 USC 6802 ( b ), yet they are still reporting on my consumer report, which identifies as identity theft.

In addition to my complaint, I added the FTC REPORT, LETTERS, and the opt out letters I sent in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ERC bought a collection account from XXXX and re-aged it to seem i defaulted in XXXX. that is completely false and illegal. This company is profiting from this.
Product: Vehicle loan or lease

Company refuses to stay in compliance with governor XXXX XXXX executive order banning any report of negative information to credit bureaus. This company has late payments on my credit report they refused to remove that cost me a {$400000.00} mortgage approval that got denied along with over a {$3000.00} a month XXXX House bill. I currently have four different attorneys reviewing this case that all the assured me that this is 100 % illegal and Im giving this company one last chance to update my credit report to stay in compliance with the executive order. This is abuse and they know it, this is a game to them but its about to end now and one hell of a legal battle. Not to mention they are reporting that my monthly payment is over {$900.00} per month. They know that my payment is {$450.00} per month. They have been abusing my credit utilization by not reporting my balance and also reporting a high monthly payment that they know is inaccurate because they are trying to harass and abuse my credit report.
Product: Vehicle loan or lease

I was 2 payments behind going on the third payment behind and just today XX/XX/XXXX early in the morning around XXXX XXXX  the bank of bmo sent the dealership repo told truck to get the vehicle and left and took it. I have previously contact them in XXXX and a few month back before XXXX of 2019 and the representative are very rude and very hard and they dont seem to understand customers financial hardship situations and I talk and have a conversation with an agent they get very aggressive and as much as u explain them what is going on they are very rude and they dont want to listen to you all they talk about is money rather than giving me the opportunity to talk and see my options to reduce my payment or get enrolled in to a payment plan or arrangement dude to my financial hardship situation. My income has been reduce and I am the only one working in my home at the moment but you know that XXXX and the winter time the jobs always slows down a lot and its out of my control I explained the representative and agent but it is useless they ignore u and all they want is money rather than listening to customer needs when you go to the dealership for The first time they convince people to buy but when you are struggling to make payments they turn they back and just give u the run around it is not the first time asking them for help and they refuse to do so. 
I have XXXX girls that me and Them Depend on the car and now that its snowing I need the car to take them to school and For me to get to work without the truck I cant take my daughters to school and I cant get to work ontime. Or drive to work as thery repo my car this morning it is not fair that they denied me any type of help payment arrangement any financial help to help me get caught or reduce my payments, It was useless the more I would say to them the more they would act XXXX and Laught at me thru the phone. Some of My kids are going to XXXX and need the truck to transport and the school Is a bit far and I have a XXXX XXXX XXXX who I also take to school and Drop Her off the Bank bmo didnt care at all.