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

All 3 credit companies have been notify several times that they are reporting Late accounts that were fraudulently charge I have notified the creditors and credit companies to remove these accounts from my credit profile I have also sent a letter to the credit card company Initiating my permissible purpose rite under the fair debt collection practice act to stop reporting late payment and to remove the credit reporting of those particular accounts please instructed credit companies to update my credit report accurately and remove all late and collection payments thank you.
Product: Debt collection

I got a voicemail from a woman named XXXX XXXX saying I would have to appear in court with a case number, and if I wanted to contact the filing party. I called the filing party, but the man, in a completely different state named XXXX XXXX of the XXXX XXXX XXXX had no clue what I was talking about, but would not give me the name and address of his company unless I presented my " case number ''. Fearing this was a false debt collector especially due to the voicemail, I hung up without giving him any information.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the three credit bureausXXXX Equifax, and XXXXwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including Equifax, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident.

Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions.

Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : Equifax : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, Louisiana XXXX XXXX Date : XX/XX/XXXX WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Account # XXXX Notice to agent is notice to principal notice to principal is notice to agent { WESTLAKE Financial SVC # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX }. 
You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { # XXXX } from my consumer reports. 

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

XXXX XXXX is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time. HOW COME THEY ARE REPORTING ME LATE WHEN I WORKED HARD TO PAY THIS OFF ACCOUNTS MONTHLY? THAT IS INEVITABLE!
Product: Credit reporting or other personal consumer reports

Fraudulent, inaccurate information consists of credit cards, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX acct XXXX and an XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX is being reported by XXXX XXXX XXXX and Equifax XXXX I do not recognize the aforementioned accounts or collection accounts. These accounts that are being reported by XXXX, XXXX and Equifax were not made, initiated or opened by me, these aforementioned accounts are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage company was informed that the information reported on my credit file was incorrect. Even after reporting it to the various credit bureaus, they ignored or refused to remove the inaccuracies. I have been writing and communicating with XXXX to remove this information. 
Even after selling the property and paying them in total, according to their pay-off letter, they continued to report inaccuracies and make comments on my credit report that were not true. 
I can't understand the reasoning behind their continuing refusal to remove said malicious and erroneous information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in XXXX and found a credit card that I had no knowledge of. I contacted the bank and filed a dispute with XXXX online. A month later, XXXX reported that the item has remained unchanged. I called Navy Federal again and spoke with a security representative, who informed me that the account was still under investigation. I also spoke with an XXXX representative who opened up another dispute. I filed an FTC report XXXX. I called Navy Federal again and they informed me that the account was expedited and I would hear back in a week. I did not. on XXXX I was notifed by experian that the account remains unchanged. I called Navy Federal again on XXXX and spoke with XXXX in customer service and XXXX in their security department, only to be told that the account was under investigation, they could not release any information to me, and there was a checking and savings account opened when the credit card was that they did not inform me of. My credit is going down expotentially and interest is accruing on this account as they investigate. I asked if there is anything else I can do and they told me that I have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulledXX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My XXXX XXXX Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My XXXX XXXX Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXXand XXXX  bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( XXXX  : XXXX  > XXXX  ), 0 points ( Experian XXXX  > XXXX ), and -1 point ( XXXX XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXX for all three bureaus. You can review the soft XXXX from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. 

Old/Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : Not listed on XXXX or Equifax but listed on XXXX as the Year only. 

I demand that these items be investigated and removed as well as updated from or on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiry from XXXX made with no consent or authorization by me in and around the dates of XX/XX/XXXX or XX/XX/XXXX. 

I contacted TransUnion who provide a credit alert service through XXXX who advised me that I would need to provide written letter to dispute the inquiry and this information would not be shared with XXXX  and XXXX. In addition, a letter would need to come from XXXX as well, but XXXX advised me that they do not perform this service and I would need to file a complaint through this agency.
Product: Debt collection

Debt collector refused to provide me with a copy of the summons for the court date that was associated with the alleged debt. When I requested an itemized bill showing the original total as well as any payments, adjustments, and fees. The debt collector provided partial data and when I contacted the hospital they said that they can't see any outstanding debts on my account. I am unable to verify the debt and I was never, to my knowledge, served about the court date and they wouldn't provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have recently viewed my Equifax credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted Equifax directly and just keep getting the run around and transfered only to be hung up on after holding for 35 minutes. I expressed to them that this is stopping me and my family from aquiring a home. I have also contacted the Federal Trade Commission in this regard. I pull my credit report every week and they have not been removed. I've called equifax everyday for past month and nothing has been removed. Please help. My family needs a place to liveand this is stopping our process.
Product: Credit card

I paid my XXXX XXXX bill in full & then left the state for the holidays. 

When I returned, I had bills from XXXX XXXX, which didnt make sense, as I had paid them in full. 

However, I paid a day late, I simply got my dates mixed up. I did not think this would be a problem, as they could clearly see that my intent was to pay in full & be done with them. 

I reached out to them with the expectation that they would remove the XXXX completely unethical late fees that that have billed me since. 

But no, they will only refund me XXXX of the XXXX late fees, which I find completely unacceptable. I should never have been charged anything. I cant understand how they can bill me endless late fees, when I dont owe them a XXXX more for what I had already purchased. 

I think they are being unthinkably ghoulish at a time that many of us are barely getting by & I cant understand why they would take this hideous position with their own customer. 

When did we let late fees become whips that truly makes it impossible for people to climb out of financial difficulties like this??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Section XXXX of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft Y XXXX XXXX XXXX XXXX XXXX, FL XXXX ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$27000.00} ; CHILD SUPPORT XXXX Date opened XX/XX/XXXX Balance {$27000.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXXXXX US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been a customer with BSI Financial for three years. During this time I have never defaulted on the loan or been late. Recently I decided to sell my house and began the process with my realtor. I requested a payoff quote from BSI that was issued on XX/XX/2023. This was provided to the realtor and the title company. The payoff stated this amount was good through XX/XX/2023. BSI unbeknownst to me, sent out an insurance escrow payment of {$300.00} on XX/XX/2023. On XX/XX/2023 the title company wired the amount on the payoff quote from BSI to payoff the mortgage. On XX/XX/2023 I received a call from BSI stating they were rejecting the wire because it was {$300.00} short. After numerous calls from the title company and myself to BSI, there is still no resolve. Ive been informed that it is not their problem basically and that the payoff team doesnt take calls. XXXX XXXX, they emailed me stating my payoff was now almost {$700.00} because it is a 30 day payoff estimate. I called again this morning and was told Id just have to pay it and interest fees. Allegedly, theyd refund me any overages. I expressed that I shouldnt be responsible for interest all of these additional days due to an error on their part. The issue has been escalated to the presidents office there twice and still, no one will resolve my issue.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/year> i booked a vacation through XXXX for myself, boyfriend, daughter, son-in-law, and granddaughter. Since we wanted to split the cost of the trip between the 2 couples, we financed the trip through XXXX XXXXXXXX XXXX associated financing company Uplift. The intention was to pay my boyfriend 's and my portion of the trip with a credit card. I attempted to make the credit card payment on XX/XX/year> on Uplift 's website, but it would not accept a credit card. After multiple attempts to make the payment on Uplift 's website ( thinking it was my error or a system issue ) I called Uplift on XX/XX/year> and spoke to a customer representative to again attempt to make a payment with a credit card. I was told that they would not accept a credit card, only a debit card or direct withdrawal from a bank account. Upon further investigation, I found that Uplift does accept credit card payments for citizens of XXXX. 

This information about Uplift not accepting credit card payments was not clearly disclosed when the trip was booked via XXXX XXXX. We attempted to cancel the trip and rebook so we could pay via credit card on XXXX XXXX, but I was told that we were not allowed to cancel the trip without penalty ( cost of 2 days stay for each room ) since I was outside of the 24-hour timeframe. 

In summary, we are locked into a high interest payment plan because Uplift will not accept our credit card payment for half of the total balance. 

I'm hoping you can assist me in this matter.