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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested LexisNexis report. They sent me a paper letter containing a web address and PIN. I went to the address and entered the PIN. The page reported that the PIN was invalid and said to call a phone number. I called the number and it wanted me to request anew report and start the process over.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax via Certified Mail ( tracking # XXXX ), requesting a detailed description of the reinvestigation procedures for disputed items on my credit report. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
To date, I have not received any response from Equifax regarding the results of their investigation or any acknowledgment of my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of items in their file. By failing to respond to my dispute or conduct a reinvestigation, Equifax has violated my rights as a consumer under the FCRA. 
Additionally, my most recent XXXX report does not show any bankruptcies. As XXXX is the primary furnisher of public record information used by credit bureaus to verify such data, this strongly suggests that Equifax can not verify the accuracy of the bankruptcy reporting on my credit report. 
I am including a copy of my original dispute letter and the XXXX report for review.
Product: Checking or savings account

On XX/XX/ I had {$1900.00} in my Wells Fargo account and then a check for {$2000.00} dollars was taken out of my account, I have no idea who or what this check is for it only says check # XXXX and it overdrawn my account so it had XXXX dollars in the account. Wells Fargo continues to ignore me. XXXX me on the phone with an XXXX person who has no idea what theyre doing and cant help. I need this money back in my account
Product: Debt collection

The school that I was attending XXXX XXXX in the XXXX XXXX area closed in XXXX XXXX, 2016. I have contacted the XXXX XXXX XXXX and the federal loans. According to the XXXX XXXX XXXX and Federal loans, I do not have any existing loans.
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.

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

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, XXXX immiediatly. 

XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 202
Product: Credit card or prepaid card

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.
Product: Credit card

Barclay Card US is supposed be sending me a copy of the decision made regarding a dispute against XXXX XXXX from XX/XX/2024. Ive requested the document four times and they said they were mailing it ( once in XXXX and three times in XXXX ). I have not received a copy of the document yet. The company denied my request to receive the document via email or fax. They also refused to upload it in my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION CUSTOMER SERVICE WF/XXXX  Account # XXXX is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this ridiculous debt. I was given free pillows and now they're trying to charge me for them?! I tried to return the pillows when I returned the bed and they wouldn't accept them. I can't tell you enough how many times I have tried contacting this company to resolve this issue. No one wants to call me back, NO ONE wants to answer the phone!! I have never received any notices, letters, or phone calls about this debt. I do not owe this debt. This debt needs to be removed immediately off my credit before I get my attorney 's involved.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$9300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and Current Address As of XX/XX/XXXX, I see online my credit file My current address is still incorrect on www.MyEquifax.com CORRECTION : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, MI XXXX - XXXX I was currently rejected credit by a creditor and was told my information I provided did not passed the identity verification per Equifax and it did not pass the current address. Under the Equal Credit Opportunity Act ( ECOA ), I have a Legal right to know why I was rejected credit. 
( 1 ) Tell me ( the consumer ), why I can not currently get a credit card at a bank, any more. 
My last Charge Card was XX/XX/XXXX XXXX XXXX/XXXX  Balance {$76.00} as of XX/XX/XXXX ( 2 ) why, Equifaxs system keeps reading no current address. 

As of XXXX, my issue is, why Equifax is unable to locate a credit file in their database with my identification information I provided. I am currently electronically paying all the creditors list on the Equifax credit file that was sent to me XX/XX/XXXX. I am on a fixed income and I have spent approx. {$20.00} +/- via mailing & certified letters mailing my card + Current Light Bill to Equifax. All copies are originally from the sender and the copies are clear copies by each entity. After talking to an Equifax representative on XXXX, she looked up the copies I sent to Equifax in XX/XX/XXXX and XX/XX/XXXX and she said both my Social Security card and utility bill were received and are clear. If I was unable to verify my identity and current address, why did Equifax send me a credit file dated XX/XX/XXXX _ AFTER I called Equifax on XXXX and passed the phone identity verification and current address. 
Filename : Letter XXXX Box Equifax SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX - Confirmation # XXXX : Already sent 2. SSN Card Already Sent 3. CURRENT : Light Bill 4. XXXX XXXX XXXX Phone log XXXX 5.  Equifax letter dated XX/XX/XXXX XXXX XXXX XXXX + XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX XX/XX/and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNIONwas never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Experian multiple times regarding this matter. Ive submitted proof. Old information is reappearing on my report. I disputed it and Experian still doesnt want to delete it. XXXX XXXX has invalid information and this account was reinserted. I already disputed with the Original creditor. I have another account XXXX XXXX, its been paid in full and it still shows as unpaid. I still have late payments on XXXX XXXX and XXXX XXXX that have been taken off of my XXXX and XXXX reports. XXXX late payments reporting on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  has late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I need all my inquiries deleted as well, I never signed off on any of whatever is reporting on Experian.
Product: Debt collection

I called sunrise credit services to clear a debt that had shown up on my credit report. The debt was from an internet box that XXXX technicians had left behind because the first box did not work. After spending 2 days trying to get the service to work. XXXX gave up and said " i was too far from the source ''. I tried to give att the second box but they would not take it. 
I returned the second box, which told me to do XXXX via XXXX. This was done on XX/XX/XXXX XXXX the first time i noticed the dept was late summer 2024. 

all of this was communicated to sunrise credit.XXXX and some time in XXXX XXXX the sunrise operator told me I had to pay a 1 dollar fee to for him to access my information, reluctantly i did so only for him to say noting he can do. He gave me another number which he called " customer care team. that person told me I had to make a payment for them to do anything., I asked how much and her repose was XXXX my complaint is that this company not XXXX tried to resolve the debt. They could careless if the debt is real or false. The manor that they do so was deceptive and they do not have an address or Email or fax to send the proof of being a false debt.
Product: Mortgage

The closing was delayed twice. The builder threatened to sell the home to another buyer if the lender didn't close soon. The builder has refused to ever work with the lender again. I called, emailed, text messaged the lender many times and rarely had my correspondence returned. I felt that I was kept in the dark throughout most of the process. I did not know what type of loan they were qualifying me for or what I needed to have for closing costs until the day XXXX signed the closing paperwork. It should have been a happy time closing on our first home, however it was stressful and we signed the paperwork under extreme duress. We were moving from out of state and needed a place to stay. We also did not want to risk the builder selling the home to someone else. I had other lenders tell me that they would qualify me for a conventional loan, and this lender did as well. On the day that I signed the paperwork, I found out that it was an FHA loan.
Product: Debt collection

My employer 's pay company received a court order to garnish my pay. I was never informed of a debt. My credit report does not show any debt. The court order case number was for XXXX  in XXXX  and indicated a bank that is no longer in business. The bank that purchased the bank shown on the order does not have any record of a debt owed using my name and/or SS #. The court assistant I talked to says there was no validating debt for the court order. If the debt was real, which has not been proven, is beyond the statue of limitations for debt collection. I was never given the opportunity to dispute this debt before garnishment was started.
Product: Mortgage

I sold my home in XX/XX/XXXX & left the country returning XX/XX/XXXX. I found a bundle of mail in which there was a check for {$520.00} dated XX/XX/XXXX from PHHMortgage. I sent a photo of the check, emailed several times, went from customer service to research to escalation with no response. 
The property address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My new address is XXXX XXXX XXXX XXXX XXXX, La. XXXX XXXX
Product: Mortgage

I just submitted my complaint yesterday, case # XXXX. 
I went to the post office after dinner, there is a foreclosure notice from a law firm in NJ. I will try to attach it amd send it tonight. So I look to see when it was mailed, and there is no date on the letter. It is undated. Furthermore, we are told to respond within 20 days of the receipt of the letter. And it is undated? This getting worse by the hour. It is just a XXXX page letter. No date.
Product: Debt collection

XXXX XXXX XXXX did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to the 3 credit bureaus since the month of XXXX. I have never received any of their responses and I didn't authorize them to add these inaccuracies on my credit report. I demand deletion of these accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Debt collection

For the pass 2 years dated back in XX/XX/2015 i closed out my XXXX XXXX account due to financial hardship but unfortunately XXXX XXXX and the collection company won't delete it off my credit report. At the time i had just got laid off from my job and i truly wanted to keep up with the payments so that's why i had to closed the account. All i would like is for them to delete and remove the negative remarks off all of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. NATIONSTAR Other Loan Late 120 Days {$0.00} XXXX XXXX, 2017 Account still states that I was late 120 Days. Payment history wrong. The account needs to be corrected on my credit reports. Please correct that I was not late just closing and did a deed in lieu. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that HYUNDAI FINANCE Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted HYUNDAI FINANCE Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 XXXX