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

Can you update my address and name on my credit profile
Product: Credit reporting or other personal consumer reports

In mid-XXXX 2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXXXXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report
Product: Vehicle loan or lease

I had my car loan with XXXX XXXX for 72 months, but after my payment number XXXX, the pandemic hit and I asked for a extension of 4 months and they agreed, so I started paying again the number XXXX in XXXX XX/XX/2020, at the end of my payment number XXXX, they told me that I had to pay 4 more months, and i said how since i already paid 72 months! so they started trying to collect and I paid the extra 4 months because I didn't want problems with the collecting agencies and my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises very serious concerns about consumer safety.
Product: Credit card

See the attached documents. I request the bureau to promptly begin an investigation into these accounts, as I am consistently on time with payments, contrary to their reported status.
Product: Credit reporting or other personal consumer reports

the vehicle in question belongs to my brother XXXX XXXX XXXX XXXX took out the loan for the vehicle i was just the cosigner the car was reprocessed and sold but a bill of sale was not provide after the sale of the vehicle.Santander consumer stated that there is a balance for {$5300.00}, but never provided the bill of sale as proof of sale which show what the vehicle was actually sold for. Now the account is reporting as a charge off that make it negative.
Product: Debt collection

ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$580.00} date assigned XX/XX/2019. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Money transfer, virtual currency, or money service

Dear Sir/ Madam, Order Number : XXXX I sent XXXX {$700.00} to my recipient in XXXX on XX/XX/2018  by XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : XXXX ( XXXX ) XXXX Fax : XXXX ( XXXX ) XXXX But as of today, the recipient XXXX XXXX XXXX has not received the fund XXXX XXXX. This money supposed to deposited by XX/XX/XXXX to his XXXX XXXX account. I contacted everyday then since and XXXX XXXX XXXX Customer service will tell me that they are confirm that money will be deposit tomorrow. So, Finally, on XX/XX/XXXX, I request the proof or contact name in XXXX but they denied. On XX/XX/XXXX, I request the money back to my XXXX XXXX XXXX but they refuse again. I have there Ten email saying that money was deposited but its not.I also contact them toady by XXXX and by phone and same answer. Money will deposit tomorrow. I told them next 5 days Bank will be close in XXXX for XXXX. I don't know what to do. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, GA XXXX Cell : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that minimal changes were made to my report, and there are STILL Multiple INACCURACIES and FRAUDULENT ACCOUNTS on my REPORT, when I looked at my report on XX/XX/year>. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. Please REMOVE these accounts 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

- { XXXX  XXXX XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) - { XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) XXXX { XXXX XXXX XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute this many times. There's information that is unverifiable. Experian has not provided me with proof or documentation when I submit a dispute. They just ignore my dispute and close it quickly or they will claim I am a credit clinic. I don't even know what that is. Experian is being sued for not properly going through with disputes. Now, I am involving my attorney to assist me in this matter.
Product: Credit card or prepaid card

I tried to open an LOWE 'S Credit Card. LOWE 'S sent me a letter asking for more information. I called LOWE 'S credit department. I was told that someone stole my ID. LOWE 'S is mailing legal paperwork for more information. I have to prove my ID. I checked all four Credit reporting services. No problems found. Why did LOWE 'S lie to me?
Product: Credit reporting or other personal consumer reports

I discovered multiple unauthorized inquiries on my TransUnion credit report. I contacted the creditors responsible for these inquiries, and they confirmed that they do not have any record of my consent, nor can they provide any written or verbal authorization for these credit pulls. 

I disputed these inquiries directly with TransUnion, and they failed to remove them despite the lack of verification from the creditors. Under the Fair Credit Reporting Act ( FCRA ), inquiries that lack proper documentation must be deleted. However, TransUnion has failed to comply with its legal obligations by continuing to report these inquiries without conducting a proper investigation. 

Disputed Inquiries on My TransUnion Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/202, I rented a car from XXXX in XXXX XXXX, XXXX, NY. The rental was from XX/XX/2022 XXXX XXXXXXXX XXXX As required, I returned the vehicle on XX/XX/2022 ( around XXXX XXXX ) to the drop-off location listed in the rental agreement ( XXXX XXXX XXXX in XXXX XXXX XXXX VA, XXXX XXXX has an office ). There was no one from XXXX present when I arrived to drop off the keys, even though it was during its normal business hours. 

I followed the directions that I saw written on a paper posted on the door of the office, that stated I should drop off the keys in its drop-box. I have a photo of these instructions, which shows the time and date taken ( around XXXX  XXXX on XXXX XXXX XXXX ). I then called XXXX 's customer service number to confirm that this was correct. 

My father witnessed this call to XXXX 's customer service and its acknowledgement that I had returned the vehicle correctly ( I have a record locator number for this call ). My father was my ride home, so he witnessed me drop off the vehicle at the exact location listed in my rental agreement. He is willing to testify as a witness. On XX/XX/2022 I received an email from XXXX XXXX, who works at XXXX. She requested an affidavit that I returned the vehicle I had rented. I emailed her MANY times with no response from XXXX XXXX, and no communication from XXXX whatsoever. 

On XX/XX/2022 I saw that XXXX had charged my debit card ( the original payment method that was used for the rental ) a total of {$3400.00}, which was the entirety of my check account at the time. I saw that they also emailed me an invoice for {$11000.00} - claiming that I had not returned the vehicle until XX/XX/2022 at XXXX XXXX. 

XXXX has now sent me to collections via Transworld Systems for the {$11000.00} charge, destroyed my credit, and will not cooperate with myself or my lawyer. I have a large amount of evidence proving I do not owe XXXX more than {$110.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Complaint of Inaccurate Credit Reporting Violations Under FCRA Section 1681 ( e ) ( b ) Dear CFPB Complaint Resolution Office, I am filing a formal complaint regarding inaccurate information on my credit reports XXXX XXXX, XXXX, and XXXX. Despite my efforts to resolve these issues directly with the credit bureaus, I am experiencing ongoing and harmful inaccuracies on my credit history due to actions taken by Discover Credit Card and XXXX XXXX XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( e ) ( b ). 

Upon reviewing my credit reports, I noticed that both Discover Credit Card and XXXX XXXX XXXX XXXX have repeatedly reported charge-offs that are inconsistent with my actual payment history. These charge-offs appear to extend the statute of limitations by adding new derogatory entries, which misrepresent my creditworthiness and negatively impact my credit score. These actions violate the FCRAs mandate to maintain accurate and fair reporting of consumer information. 

To summarize the issues : 1. Discover Credit Card Repeated charge-offs inaccurately listed, extending beyond the allowable reporting period, affecting my credit score and financial reputation. 

XXXX. XXXX XXXX XXXX XXXX Re-aging of the account through inconsistent reporting dates, leading to an extended statute of limitations and unfairly portraying my account as delinquent. 

These practices not only harm my credit but also create confusion by making it appear as if these accounts are continuously delinquent. This inaccurate reporting by the credit bureaus violates FCRA standards and has a detrimental impact on my financial standing. 

I am providing all supporting documentation, including copies of my identification, my credit reports from XXXX, XXXX, and XXXX, and any relevant account statements, to aid in your investigation of these unfair practices. 

I respectfully request the CFPBs assistance in ensuring that the credit bureaus and these creditors adhere to FCRA guidelines, correct these inaccuracies, and prevent similar issues in the future. I look forward to your prompt investigation and response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately. 
Despite my efforts to dispute this matter directly with Equifax under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved. 
Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report. 
I have provided Equifax with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure Equifax complies with the FCRA by removing the inaccurate collection account from my credit report immediately. Thanks for your help.
Product: Debt collection

Cease and desist sent XX/XX/2020 and certified as delivered to debtor on XX/XX/2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and America Servicing Company. ASC reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Original debt : Speedy Cash on XXXX XXXX in XXXX. 
Debt collector : Ad Astra Amount : {$3600.00} Date on XXXX : XXXX Date of original debt : XXXX I was working in XXXX XXXX at the time this debt allegedly happened. I have never had an account with Speedy Cash. I have been dealing with identity theft from another XXXX XXXX for going on 20 years. Requesting permanent removal from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XXXX. 

The three credit reports came from TransUnion, XXXX Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
Thank you
Product: Debt collection

I have o n 2 sep arate occasions tried to resolve a collection account being reported by this company. I do not know where this account originated from. After recently obtaining my credit report I noticed this account. I am unaware of any terms or conditions regarding this account. I have requested that this company provide me with a contract or any documentation bearing my signature that will show what I agreed to and if so when. Both of my attempts have been ignored. I called that did n't go well I sent a certified letter before waited the 30 days still no response called again and told me it takes time. After the allotted time went past again I sent another request to date I still have not received a response and the 15 day time frame has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request for unauthorized inquiries to be removed from my credit profile.
Product: Debt collection

Hello, They called me about the debt and I told them I paid it. They said I did not, I asked for a copy of the debt both verbally and followed up in writing. They did not get back to me for a while. Finally they sent me a collection letter. I requested in writing that I be sent a copy of the bill and proof o non-payment. They sent me the bill, but not the proof of non-payment. I made another request for a copy of the non-payment ( i had paid the debt, and they said it was applied to another month ). They never answered the last letter and reported me to the credit agencies. I have proof I paid the bill, which I attached. I closed the XXXX account the same day I opened the XXXX  account. As you can see I paid my first bill with XXXX and my last bill with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.