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

Equifax has " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX '' as a former address of mine. I have never ever been to XXXX XXXX XXXX. I filed a dispute online 2 times, and also verbal ones over the phones a couple of times. Each time I get an email that says the dispute is " resolved ''. But the address remains. And there is no explanation from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX, PA XXXX Im writing you out of frustration and desperation, your company is reporting inaccurate information on my credit report. Ive sent them multiple validation letters asking how the information was verified. Each time Transunion keeps saying that the information that provided to them has been verified as accurate but will not say who verified the information. Ive sent Transuntion several method of verification request and the ignore each one. 

The account in question is a 2 Bankruptcies Transunion continues to say that the information has been verified as accurate. I know Transunion havent investigated the 2 bankruptcies or verified this information as accurate, if they did they would not be reporting inaccurate information. On my Transunion report it say I filled both Bankruptcies in Florida which is not accurate only one the the Bankruptcies was filed in Florida, the other one was filed in another state. 

From doing my research I understand you all get this public records information from XXXX who is NOT FCRA regulated. On XXXX website they explicitly state XXXX does not match Bankruptcy information to Transunion. How can XXXX report anything to Transunion about a consumer if they arent being recognized as a reporting agency. 


Im demanding that you remove both of these bankruptcies since you are reporting inaccurate information and can not provide me with how you received this information. 

I have a letter from both of the Bankruptcy Courts saying they did NOT provide any credit reporting Agencies or 3rd party agencies with Bankruptcy information, the letter also stated that the Bankruptcy courts do not report to the any of the Credit Bureaus. Please understand my frustration your company is reporting inaccurate information and they arent investigating like they say they are. 

The Bankruptcy clearly has not been verified and needs to be deleted immediately. Im reaching out to you the CEO to insure this is done. Otherwise my next step would be to sue Transunion for multiple FCRA violations. 

If an immediate resolution isnt made within 14 days, Im preparing to file a claim with the FL Attorney General Office. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. The Bankruptcy in question has not been verified and therefore its inaccurate. Its been over 30days. 


Please DELETE this item from my credit reports as it is NOT verified! 




Your immediate attention I would be greatly appreciate.
Product: Credit card

In XXXX I open an application with them for repairs at a car mechanic shop. I was told if I paid by 90 days I will not receive any interest or fees. I ended up losing my job and I had paused close to {$900.00} towards a balance of {$1200.00}. Because I misread the 90 day cut off. My balance went back to the original amount plus an additional {$400.00} dollars. The lease agreement they sent me just dont make sense. Where is my {$900.00} I sent them and who is my balance the original amount plus extra fees. They are charging customers to much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX SERVICES on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US  SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX CRED on XX/XX/XXXX ( Reported Identity Theft ) 6. FXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit card or prepaid card

I submitted previous complaints and requested a full audit of my credit card. Goldman Sach refused to fulfill my request stating they do not have the time or resources to conduct the audit.
Product: Checking or savings account

On XX/XX/XXXX WELLS Fargo violated Fair Credit Act by denying me personal loans for XXXX based on my credit score alone. This was confirmed on tape by representatives and manager they filed a complaint. I have explained that as a direct result of the FCA violation I was forced to apply to a sub prime pay dsy lender who fraudulently hacked into my account using loan app details they then called Wells Fargo Claims which made an instant refund of a claim already resolved. I reported to Wells Fargo Claims the credit was reversed and I now have XXXX Debit. 
I have asked Wells Fargo to allow me to repay over 12 months and they refuse to approve. Wells Fargo will simply debit my social security payment of XXXX by the amount of the overdraft in violation of the Fsir Debt Collection Practices Act
Product: Student loan

In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights XXXX XXXX XXXX account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

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 reason to believe that the information is inaccurate
Product: Debt collection

I owe money for my XXXX XXXX i couldnt pay the bill because I lost my job. I finally get a job and I got a new bill in the mail from XXXX I called XXXX  to make my payment, I was planning on paying it off, when I called XXXX I was told to call this collection agent because XXXX  cant accept payments from me. 
I called the collection agent, Buckle & Buckle, to make my payment and the collection agent told me I cant pay bill with them either because they got my file a week ago and have to do a few things to it before I pay it. I dont know what things they had to do. The collection agents name was XXXX, he said he was going to call me back to make the payment and he never called me back and when I call them back no one answers the phone. 
How and I suppose to pay my bill when theyre not answering or letting me pay it?
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report. Reporting late payments is unlawful/illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I can't stand by and let my credit be destroyed. Please help! I have attached the FTC report as well as a notarized letter that certifies that I am in fact the one disputing the information on my credit report. The accounts and inquiries listed on the FTC report are fraudulent. Please remove them within 4 business days as per section 605 b of the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my credit report that I did not authorize. On XX/XX/ 2018, I attended XXXX XXXX in XXXX IL to purchase a car. I signed the disclaimer stating that they will run my credit. In which it is posted on my credit as an automotive inquiry. However, I did not authorize them to run my credit with third parties such as XXXX XXXX as an National Credit Card inquiry or XXXX XXXX as a Finance inquiry. I am writing to have these two inquiries removed from my Transunion Report.
Product: Debt collection

I have not had a XXXX account since early XX/XX/2012. I do not live in XXXX anymore I have been in XXXX since this time. I received a call from some company giving me a reference number and saying I was going to be served papers at my home and work if I didnt call to straighten the matter out, and I could call #, and use reference # they gave me and speak directly to the charging party. So since they have been harassing me for what seems years, I called. The rude lady on the phone, when I asked her for details told me I have to go down the hall to the attorneys office to get the back up. Uh, no you dont, i proceeded to tell her that if they were reputable she would have the info on the screen, and that they are scammers, she told me not to tell her how to do her job and hung up on me. I havent heard anything since. I do not believe this debt to be mine just based on the simple fact that the amount doesnt resonate nor does a XXXX account, I live in XXXX we do not have XXXX here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and police.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payments were made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.
Product: Debt collection

I am filing this complaint to address an inconsistency in my credit report involving an account that XXXX has already removed due to an identified error. I am perplexed by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and the subsequent removal of the account from their records. As per my understanding of credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Accounts Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Vehicle loan or lease

Global lending I had a passed due balance of XXXX 3 months behind I asked for deferred payments because I lost my job and I have a XXXX XXXX XXXX child. Nobody gave me a chance and I was being pressured to still pay the balance. I was NEVER warned that the car was going to be picked up for repossession. I woke up and my car was gone I was told that I had time pay off the balance so I can get my car back. I Called the car lot and the car was sent to the auction weeks from the actual date so I can get it back. it was sent off XX/XX/2023. the action date was XX/XX/XXXX. I had until the end of XXXX. this is ridiculous and unfair to me. now the car went to the auction and now I have a closed account with repossession on my credit report. I lost my job and I have a XXXX  I am currently struggling financially with only receiving with XXXX $ from unemployment and I have rent to still try to maintain. This is terrible and I feel like they have scamming tactics.
Product: Debt collection

Purchased a couch from Ashely furniture XXXX of XXXX, it was delivered in XX/XX/year>, within a week or XXXX it was broken, they failed to fix it or accept responsibility, we took action with synchrony bank, they looked into to it and found no action. We did this XXXX more times to no avail. We were not going to pay for a broken couch that were not even using
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX  while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting

XXXX requested a copy of my credit report on XXXX but I did not apply for anything through them ( or anyone else ). It caused my credit to drop XXXX points.
Product: Debt collection

I was injured at work in the XXXX  of XXXX, requiring a medical test at a local hospital. The entire matter was handled by my employer 's worker 's compensation coverage. The hospital forwarded a bill to collections without making any attempt to collect from me. If I had received a bill or a phone call from either the hospital or the collection agency, I would have notified my employer and the matter would have been resolved through worker 's compensation. Instead, I discovered the outstanding bill when I did a periodic check of my credit report. At no time in the two years prior to this discovery was I notified that I was regarded as having an outstanding debt : it was simply forwarded, and now my credit score has plummeted due to this derogatory entry on my report.

I have notified my employer of this debt and expect speedy resolution so that the debt is satisfied. I have also written to the collection agency.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS REPORTING 4 ACCOUNTS THAT ARE INACCRATE, UNVERIFIED AND ARE AVIOLATION OF THE FCRA. THE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT AND INACCURATE PAYMENTS IN THE PAYMNET HISTORY BETWEEN XXXX, TRANSUNION, AND XXXX. THESE ACCOUNT WILL BE DELETED IMMEDIATELY. 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

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX  liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX XXXX, I received email from Wells Fargo that they will close my checking and saving account on XX/XX/XXXX and those accounts were put in " locked '' status, meaning that I don't have access to my ~ {$35000.00} balance in my account for two weeks. The reason for closure in the email is " because of one or more money transfers to your account reported as unauthorized. " I received multiple XXXX transfers from my client in the account, and they are all authorized by my clients. 

I made multiple phone calls in the morning to Wells Fargo, including online customer service , fraud prevention contact center, loss prevention contact center, online claim contact center. They all don't know what's real reason for closing with my account and which transaction ( s ) are not authorized. They gave me a case ID XXXX. One lady from loss prevention contact center saying that there was a claim against my account and it happened and closed on XX/XX/XXXX. The claim number is XXXX. I opened the account on XX/XX/XXXX and by XX/XX/XXXX, I don't have any transactions. Another weird thing is that no one can tell me what is in the claim. 

Right now, first I would like to know which transaction ( s ) are not authorized. If there is no unauthorized transaction, then what's the reason for closing my account? Second I need to have access to my balance in my account.
Product: Credit card

I paid the Apple card in full. Then I went back and paid the interest ( {$5.00} ). There is no balance, this account should report as paid in full. The credit report is not updated. 

The XXXX XXXX XXXX XXXX is missing a {$500.00} payment. It has not posted to the account. This should also be updated on my credit report.
Product: Credit reporting or other personal consumer reports

I disputed a account on my credit report that is fraud and identity/theft XXXX  XXXX card services XXXX and I spoke to few Equifax reps and they are rude to me and hung on on me and wouldnt assist me of getting this account removed off my credit report and Im so hurt and I felt disgusting I send in the documents and my social and my ID over and over and they are not getting them via online
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from Loan depot. They came back and said that didn't have sufficient information to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need help submitting this to XXXX, Transunion and XXXX
Product: Checking or savings account

On XX/XX/26, a bill payment check was deducted from my account for a check for {$1300.00} to XXXX XXXX to cover rent for an apartment. The check was mailed by Chase through the postal service. This is a routine payment that was mailed each month and was endorsed the same by the landlord each month. 

This check was apparently stolen while under the control of the United States Postal Service and it was fraudulently submitted into a XXXX XXXX account. XXXX XXXX fraudulently allowed the check to be deposited into this unknown account, and CHASE BANK fraudulently honored the check. 

I filed a fraud complaint with CHASE BANK and they put the money back into my account and told me they would conduct an investigation. I believed this matter to be settled. 

However, CHASE BANK recently sent me a letter stating that they had not heard back from XXXX XXXX and if they did not hear back within a very short timeframe, they would deduct the funds from my account again. 

How am I responsible for the fraudulent actions of multiple third parties, including CHASE and XXXX XXXX who did not exercise the proper controls in doing their business? Why am I to lose {$1300.00} because these banks have degraded their response times and service to an almost unrecognizable state? The CHASE fraud department is riddled with mistakes : they initially opened XXXX fraud investigations and gave me double the money back before realizing their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX account # 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.
Product: Debt collection

I have tried disputing this debt on numerous occasions saying this isn't my account that I have been a victim of identity fraud. I will fill out any necessary paper work. This is still on my credit report and I haven't received any documentation on how to resolve this with he company.