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

I am formally disputing the following late payment entries on my credit report : XXXX  XXXX XXXX XX/XX/year> {$5000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

the problem arises and ived notice before credit card companies are bugging and calling me to increase my credit limits.. and i just dont care and tell them its up to them... then i cant be able to pass any credit cards anymore because of bad credit ... im so XXXX on that,.
Product: Credit card or prepaid card

On XXXX XXXX 2019 my PayPal credit Card was charge for a purchase I made at XXXX and XXXX online. I received the merchandise ( a dress ). I tried it on and it didnt fit nor did I like the clingy material. Very inappropriate for a XXXX year old woman. I had the dress on for less than a minute and put it back in the original plastic package all tags on and shipped it back to XXXX and XXXX. Today, I receive a box from XXXX and XXXX with the dress inside and a form letter indicating that the dress was unsalable. When I called the store the service representative indicated that it was the warehouse decision and there hands were tied and that the dress was mine to keep. 

This is the most outrageous, openly fraudulent activity I have experienced. I never wore the dress and had it on for less than a minute. I know that XXXX and XXXX has closed many stores and are suffering financially, but to cheat consumers isnt the way to keep business going.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Used XXXX  to find my mom who has the same name as me, XXXX XXXX, at XXXX point before going back to her maiden namee, XXXX. Called my elderly mom, XXXX XXXX, now XXXX XXXX, who is XXXX yrs old and preceded to yell at her demanding payment. Didn't believe they called the wrong person. Didn't believe her when she said she didn't know what they were talking about. Tried to get information out of her of where I could be reached. Made.her unpleasantly unsettled and worried. Mom called me and told me this happened on Tuesday, XX/XX/XXXX around lunchtime. 
Them this company claimed they are a dispute resolution center which when you XXXX that, comes up with a government website unrelated to them and makes the consumer scared tactics thinking it's the government. 
Then they tried to text and send emails to old phone numbers until one worked. 

Nothing was ever sent to my house by US mail. I demand a letter with the ability to dispute whatever they are claiming. 

My identity was stolen previously and reported. If no notice with dispute ability is not sent by US mailed, by address on file with original creditor,, they will be ignored.
Product: Debt collection

I have tried on several occasions to dispute a debt with Bloomingdales/XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email. I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}
Product: Vehicle loan or lease

I purchased the vehicle from Hyundai Motors Finance back in XX/XX/. I was told the tile was sent but i never received it. Ive call numerous times ( lost count ) and spoke to many different people. ive told them that i need a limit power of attorney to switch the title into my name so that i could register the vehicle and ive got nothing in response im told i have to wait 24-48 hours for someone to contact me then when one one contacts me i call back and i am told i have to wait 3-5 days and still nothing. this is ridiculous i paid over XXXX for this car to not be able to drive it because its not registered
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following accounts listed on my TransUnion credit report. According to my records and the recent actions taken by XXXX, the accounts listed below were deleted due to inaccuracies, and as such, they should no longer be reported on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, credit reporting agencies must ensure the accuracy and completeness of the information they report. As these accounts have been deemed inaccurate by XXXX and subsequently deleted, I request that TransUnion also remove these accounts to remain in compliance with the FCRA. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ] [ XXXX XXXX, TX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX XXXX XXXX, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I called XXXX XXXX at XXXX XXXX and was told that World Omni Group are responsible for the car being disabled. The church paid for the to be returned to me all I know is this caused me to have a XXXX breakdown XXXX XXXX XXXX due to a lack of assistance getting this matter resolved. The car note is due yet I don't have the card and stuff is reporting to my credit report as well. Then, this resulted in my son being put into Child Protective Services. Who is going to help me get my car back it is probably stolen or auctioned off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.
Product: Credit reporting or other personal consumer reports

II paid off a loan with Nelnet in XXXX. Theyve not updated my report. Ive called at least 4 times and waited over an hour each time. Last week I got through and was told there was a mistake on my account, but only a higher up could resolve it. I spoke to XXXX who acknowledged something is Very wrong. My account is not being reported to the credit bureaus. Ive disputed with them all, but Nelnet will not release my information? They told me there was a suppression in 2022, but not any longer yet, they still refuse to release information or validate my dispute.
Product: Debt collection

Midland Credit Management has repeatedly harassed me from different numbers after I told them to stop contacting me.
Product: Debt collection

In order to move my cell phone XXXX to my Son 's account, we had to pay the balance at XXXX XXXX XXXX before they would release the number to be transferred to XXXX. At one point they said my account was closed and we could n't get the number back. The account was paid and we got the number back and XXXX activated my number under my son 's name XXXX XXXX. You may call me if you wish to verify. 
XXXX XXXX XXXX is notorious for their billing mistakes which wastes our time and money getting them settled. It seems clear that they sold my account to a collection agency right after i paid my bill in full and left them after years of being a loyal customer. My Son left them years previously because of billing disputes when they were XXXX. Turns out that they suspended his services because he went over their limit by {$6.00}. After weeks of discussion with their presidents office, it turns out that he was over because they did n't give him his XXXX % discount for bundled services. SO WE REALLY ARE NOT SURPRISED! 
XXXX
Product: Debt collection

This company keeps saying I did not attend my move out inspection and I did. On XXXX XXXX 2019. The last time I made a complaint I added pictures as proof that management was there with me and they said they would reinvestigate and I never heard anything back from them. I will post the pictures again because these statements are inaccurate and I do plan on elevating this further in the system after trying to resolve this on multiple occasions. This company has no proof of anything they're stating in these responses. I have had it removed from 1 of the credit bureaus and I will not stop until it is removed from all 3.
Product: Credit reporting or other personal consumer reports

I want to Dispute with early warning services with information that was retained with out my knowledge that is incorrect. I Show three bank accounts that were not opened up by me. My Identity has been stolen. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/XXXX of 2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. 

My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded
Product: Credit reporting 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 accounts ( A ). It is not permitted to report these accounts 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 removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Order two spin bikes. Never received them, trucking company damaged them during shipping and returned them to shipper. The credit card company XXXX is charging me {$500.00} for canceling them I did not cancel them they never made it to me. Shipping company imaged them and returned them to shipper. Company said they cant send replacement they dont have anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account name XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account XXXX : XXXX/DEPT OF ED Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

im cleaning up the errors on my report and i want the following to take place : 1. i want all unmailable addresses to be removed except for ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2. all emails to be removed except ( XXXX ) 3. all phone # 's removed except ( XXXX ) 4. all write off/ charge off to be removed as it is considered income and can not be on the report. ALL INACCURATE DATES/AMOUNTS THAT DIFFER FROM OTHER CREDIT REPORTING AGENCIES TO BE REMOVED IMMEDIATELY. per the " PRIVACY ACT OF 1974 ''
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 1618 Section 602 states I have the right to privacy.

Convergent Account # 12345, has violated my rights 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I received alerts from my credit monitoring services that Toyota Financial Services reported my loan to be delinquent to the Credit Bureaus. I contacted Toyota Financial Services and explained what has happened and they opened a dispute claim with the Credit Bureaus and resolved the issue by XX/XX/XXXX. My account is open and current since first opening in XX/XX/XXXX. Then on XX/XX/XXXX I received alerts about my Toyota Financial Services account again being falsely reported as delinquent. I called Toyota Financial services again on XX/XX/XXXX and they submitted another Dispute. My credit score keeps taking a hit, why is Toyota Fraudulently reporting false information to the Credit Bureaus? I need assistance in this matter.