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

These inaccuracies have negatively impacted my credit score and have caused significant financial harm and emotional distress. Despite my repeated efforts and mailing the credit bureaus my dispute letters to correct these errors, they have not fulfilled their legal obligations under the FCRA. Moreover, their failures to investigate these disputes thoroughly is in direct violation of federal law, as illustrated in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

XXXX - XXXX15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Bankruptcy - XXXX Your failure to correct this misinformation violates the FCRA and has XXXX significant harm to my credit profile. The case XXXX XXXX Experian Information Solutions , IncXXXX XXXX. XXXX ( XXXX Cir. XXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. 

Thank You,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$860.00} XXXX XXXX  {$340.00} XXXX  XXXX {$710.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX {$840.00} These are accounts I have tried to dispute being they were paid off or I do not have a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my car a XXXX XXXX  XXXX cant seem to get my title from a body need help bought car at XXXXXXXX XXXX XXXX financed my car at fifth third bank if you could get back to me ASAP that would be great. Thank you very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SALLIE MAE BANK, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an SALLIE MAE BANK product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact SALLIE MAE BANK - Get XXXX to mail me a letter address XXXX to have those SALLIE MAE BANK hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you DATES FROM XXXX CREDIT REPORT FROM SALLIE MAE BANK XXXX. XX/XX/2022 2022
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an Apple Goldman Sachs Master card via XXXX  XXXX that I did not apply for. Approximately a week later a received a notice from Apple/Goldman Sachs stating that my identity was verified through the Social Security Administration on XX/XX/XXXX and I am listed as an authorized user. This notice had my correct name and address but I did not recognize the email address. I called Apple on XX/XX/XXXX in order to report that this is not my account or email address. The Apple representative stated that she closed the account and that I am not responsible for any of the charges. She did not provide me with the account balance ; however, she indicated that there were a total 3 cards connected to this account ( 1 being an Apple ID ). I informed her that I use an android phone. The Apple rep instructed me to contact all 3 credit bureaus and file a police report and mail it to Goldman Sachs. On XX/XX/XXXX, I called XXXX, XXXX and XXXX and placed a fraud alert and also froze my credit. On XX/XX/XXXX, I went to the XXXX XXXX Police Report Dept and filed a police report. I mailed the report to Goldman Sachs. 

Today, on XX/XX/XXXX, I received an alert from XXXX reporting that I have a card with an overdue balance : Apple Goldman Sachs with a credit limit of {$6500.00} and a current balance of {$11000.00} as of XX/XX/XXXX and a previous balance of {$4500.00}. I am listed as an authorized user. This account is listed as being open since XX/XX/XXXX. I called XXXX and spoke with a rep in the special services dept. She assisted me with filing a dispute and directed me to this website to file a complaint. She also mailed me a copy of my credit report ( that should arrive in 7to10 business days ) and suggested that I reach out to Apple again. On XX/XX/XXXX, I called Apple again in order to get an update on the investigation. The rep informed me that they are working on the case beginning today ( XX/XX/XXXX ). I informed her that the police report was mailed out to them. The rep suggested that I call back by Thursday, XX/XX/XXXX to request an update. I provided the Apple rep with my telephone number and my address as it is not on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account XXXX XXXX on my Equifax credit report, Equifax still has not reported the correct first date of delinquency on my credit report. This debt first date of delinquency is XX/XX/2014. This debt was with another collection agency XXXX XXXX XXXX collection agency in 2014, I have attached the proof of this debt with this other debt collection agency.
Product: Checking or savings account

I have reached out to Chase and set up a Virtual Meeting with them and no one from the bank actually called. I emailed the person twice and no one responded to me. XXXX XXXX at XXXX was supposed to call for virtual visit. I called and emailed the person two different times and no one responded. 

I filed a complaint with Chase Online with a complaint number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically.

I have also filed a complaint/report with XXXX XXXX XXXX Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX ... 1ST CRD SRVC ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  SV ( Original Creditor : 09 XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

I have asked American Express Credit Card for a authorized user card for my wife on 3 occasions. My credit is perfect and I am in good standing everywhere yet they refuse to right to allow my wife to be an authorized user and refuse to tell me why. My wife has not made any request to the company for credit, I did. So why ca n't you give her the right to use my credit if I authorize it, most every other financial institution does. 

I have total financial responsibility for my account and they ca n't tell me why my wife can not have a card when we both have XXXX, XXXX, XXXX, and any other account we like. I am authorized user on some of her accounts as well, yet they tell me that they can only talk to her as to why she ca n't use my credit and be a authorized user.
Product: Credit reporting or other personal consumer reports

The credit record agencies have me listed as married and owning property in XXXX XXXX CA. I was told over 20 years ago that it was an algorithm problem because the man 's wife shares my name and I lived near them. I recently tried to verify my identity to a phone company and was asked a list of security questions regarding this man who I have never met. The first time I found out about this problem was over 20 years ago when I was trying to get a loan. It happened again over 10 years ago while I was refinancing. The bank tried to correct the information but it has never gone away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past XXXX years I have had poor credit ratings due to the way credit bureaus report. The lower your credit for inquiries even though in most cases an inquiry does not increase your debt. Your score should not be affected by inquiries, only increased debt. Financial institutions invariably report bad information and the bureaus run with it. Most of the reports are severely outdated and information is missing. Credit bureaus do not take into consideration your assets which in my case more than offset my debt. XXXX example with XXXX XXXX for example who reported a late payment. The late payment was due to their online payment system being down and as they continued to have problems with their system I paid off the credit card and closed the account. The only thing I got out of that was a reported late payment which stays on my account when I should have received a XXXX on the back for paying off the credit card and closing it. Another case I had a loan which I paid every month and when I paid the last payment the bureaus showed the account as being closed as if I defaulted when actually I completed the payments without missing a single one and the loan was paid. They are pathetic and have no idea about personal credit. They are completely systemized, and it is a bad system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was frozen and American Express still issued a credit card to a fraudulent person in Florida. I have no clue who this person is but American Express gave me his information. Despite my attempts, American Express refuses to close the credit card even though I personally do not have an account with them. This is fraud! This person was allowed to charge up to XXXX dollars even though they said they froze the account until he provided the proper identification. He never provided such identification since he doesnt have my DL or anything like that but since he made a small payment, they allowed him to continue to use the card. I have called many times and they say they will investigate but it always comes back denied. I have a police report and this person used my information to open other accounts which I had no issues getting closed since it was obvious fraud. This should never have happened in the first place since my credit was frozen since I have had issues in the past with fraud.
Product: Credit reporting or other personal consumer reports

THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THE INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCKIS NOT BEING MADE IN ERROR NOR IS MY REQUESTTO BLOCK BEING MADE ON THE BASIS OF A MATERIALMISREPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. THE IDENTIFIED TRANSACTIONS ARE NOTINFORMATION RELATED TO ANY TRANSACTIONS BY ME AS THE CONSUMER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Lamont , Hanley & Associates , Inc. harassed me over a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX eastern time from phone # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 
My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is : ( XXXX ) XXXX DELETE any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons.

DELETE all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I put a freeze on my credit due to my wife being notified that her personal information may have been compromised in the Equifax security breach. In XX/XX/XXXX we purchased a new vehicle and I was able to call Equifax, provide correct responses to security questions and successfully have my credit freeze lifted for a specific time period without any trouble. 
On XX/XX/XXXX I sent a letter to Equifax along with a copy of my drivers license and US passport requesting the my credit freeze be lifted through XX/XX/XXXX as we were in the process of buying a home to be closer to essential medical services following a XXXX  XXXX XXXX. On XX/XX/XXXX I called the Equifax Freeze Department to inquire about the status of lifting the freeze on my credit report and was advised that they had no record verifying my social security number and could not lift the freeze on my credit. I was advised to send a copy of my social security card, or a XXXX, or a XXXX with my social security number on it via fax. 
On XX/XX/XXXX a fax was sent to the fax # given by the Equifax representative with a cover letter, copy of drivers license, California State Employees XX/XX/XXXX XXXX, and social security XXXX. I called on XX/XX/XXXX to inquire on status of the request and was told it was not received. Was advised they had a new fax # and on XX/XX/XXXX faxed the cover letter with the request, drivers license, and Social Security XXXX. 
On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received but they were not clear and they needed further verification of my social security #. After speaking with a manager I was told a XXXX card with my social security # would suffice. 
On XX/XX/XXXX a cover letter, drivers license, social security XXXX and XXXX card with social security # were faxed. On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received and they were not entirely clear/legible and my freeze request could not be completed. 
On XX/XX/XXXX and XX/XX/XXXX the same documents were faxed from 2 different fax machines to perhaps provide clearer copies. All copies sent to Equifax on each occasion were clear when sent. 
To this date ( XX/XX/XXXX XXXX Equifax has failed to release the freeze on my credit. In each phone conversation with Equifax representatives, supervisors, and managers it was explained that this situation was creating a severe hardship on me as I was still in the hospital recovering from effects of a XXXX   XXXX XXXX. Was soon to be released and in escrow on a home to be close to medical services and that they were holding up our ability to comply with our real estate purchase contract. This necessitated an extension to our escrow closing date and the release of our loan contingency, due to the lender 's inability to access 3 forms of credit reporting for me.
Product: Credit reporting or other personal consumer reports

Due to Equifax data breech I believe my identity was stolen. For the past months I have been going back and forth with Equifax regarding the unauthorized inquiries made on my report such as XXXX XXXX business banking and XXXX XXXX. The staff has been very rude and unwilling resolve this issue. I have sent the proper documents to this company such as my FTC report, XXXX letter, and Identification several times, however, they deny my claims and informed me to resend the same documents again.
Product: Mortgage

Carrington Mortgage has advised I had an escrow shortage of {$700.00} which raised my monthly payment from {$810.00} to XXXX, they have advised again within 90 days that my escrow was short by {$700.00} and raised my monthly payment again from {$890.00} to {$910.00} within 90 days. 

This is absurd. I have never in the entire time I have had my loan had this happen while I was with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my TransUnion and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.
Product: Debt collection

Subject : Dispute of Inaccurate Credit Reporting and Collection Attempts on Time-Barred Debt To Whom It May Concern, I am filing this complaint against XXXX  XXXX and Hayt Hayt & Landau for inaccurate credit reporting and continued collection attempts on a time-barred debt. Despite the legal determination that this debt is no longer enforceable, it remains on my credit report, and the collection agency attempted to secure a judgment against me in court. 

What Happened : 1. I was sued by Hayt Hayt & Landau over an alleged debt related to a charge-off from XXXX XXXX. 
2. The lawsuit was recently reviewed by a judge, who denied their motion to enter judgment, citing the debt as out of time, meaning the debt is past the statute of limitations and legally uncollectible. 
3. Despite this legal ruling, XXXX XXXX continues to report the charge-off to the credit bureaus every month, further damaging my credit. 
4. Hayt Hayt & Landaus continued attempts to collect and report this debt, despite a court ruling against them, violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached a copy of the court ruling denying their motion for judgment as evidence that this debt is time-barred and should not be reported or collected. 

Thank you for your time in reviewing this complaint. I request that the CFPB take immediate action to resolve this matter. 

Sincerely,
Product: Credit card or prepaid card

I spoke with a representative today at Comenity Bank for my Torrid Credit Card. They helped me with a hardship plan for my credit card and states now I will be in good standing. Due to the CARES Act, I would like Comenity Bank to remove the 30 day late payment from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I paid a fee of {$12.00}. There was no explanation and I wanted to get it clear at the end of the year. 

On XX/XX/XXXX my statement had no outstanding amount due. I paid my loan online and it was accepted. 

On XX/XX/XXXX I received an email that the next payment was due on XX/XX/XXXX. 
I also received an overdue notice of {$60.00} due on XX/XX/XXXX. 

I called and the supervisor said that there is a 'computer glitch '. But he said it could not be fixed, but it would be ok.