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

I am pleased to see some improvements on my report and some of the inquiries and inaccurate personal information which I have disputed were removed. However, there are still remaining inquiries and inaccurate personal information on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining inquiries and inaccurate personal information found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX & XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with CIG financials I defaulted on the loan because of loss of work. This was in XXXX Was my last payment They are reporting that I missed payments in XXXX further damaging my credit This is impossible since my last payment was in XXXX I have disputed this with the credit bureau 's and they keep on coming back saying that the information is correct I have also contacted the company with no Avail I would like them to Deleted off my credit For reporting miss information
Product: Mortgage

XXXX XXXX an employee at XXXX XXXX is dishonest regarding my Earnest Money and the contract at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 
I was planning on purchasing a home XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX so I began to deal with XXXX XXXX from XXXX XXXX and XXXX XXXX from Stearns Lending. I was previously living in a apartment and my lease was ending in XXXX XXXX, 2015. I did not renew my lease so I had to move out on XXXX XXXX, 2015. I had been having some issues with XXXX XXXX and XXXX XXXX regarding the purchase of the above stated property. Some of the issues are that XXXX XXXX held my Contract that was signed by the Seller and Buyer for 30 days before giving me a copy regarding the residence stated. XXXX XXXX and XXXX XXXX gave me my Final Settlement Charge Statement and my Earnest Money was not on the statement and the {$5100.00} dollars from the Seller was only using {$3100.00} dollars, my insurance from my insurance company ( XXXX ) was only {$710.00}, and I explained that to XXXX XXXX and to XXXX XXXX. On the settlement charge statement they had my homeowners insurance showing {$820.00} and when I talked to XXXX XXXX about it he lied and said there was nothing he could do. From the beginning of this deal I felt that they were being dishonest and they were not treating me fairly. So I did not sign any of the settlement charge statement and I ask for XXXX XXXX XXXX to return my earnest money. XXXX . XXXX talk to XXXX XXXX and they came up with a new settlement charge statement. The new settlement charge statement had the same problems except the statement showed a raise in settlement charges and I also had to bring to closing {$1200.00}. So I ask them how could that be when I am 100 % financed thru VA. After the XXXX time of trying to work with them thru the many insults I received I then refused to sign the settlement statement and ask them for my earnest money. I never signed any of the final settlement charge statements because they were incorrect and dishonest. I call XXXX XXXX and XXXX XXXX about these issue and they would not return any of my calls. As a result of this unfortunate situation I am homeless and reaching out to you with this issue hoping you can help me get my earnest money back or find a solution for this matter. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

NATIONWIDE CREDIT & CO has reported that I owe money for a medical debt. I was never informed I owed anyone ( medical practitioner or facility ) for this debt or given an opportunity to review what is being billed for or even the medical notes that can justify this billing. I have disputed this with the credit reporting agency, but they say it is valid. I can not get anyone to give me records of what or who this is for.
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. 

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 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: Debt collection

I received bills for my coinsurance with XXXX, but I am in the XXXX XXXX XXXX ( XXXX  ) Program and can not be charged for coinsurance and copayments. I called where the other bills were coming from, and they took care of my bills and charged XXXX  for them ( since XXXX  pays my coinsurance. ) she said she would take care of the one that went to the collection agency, but I still am receiving bills from them for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A unauthorized charge occurred on my Best Buy Citi Credit Card of {$210.00}. I called to get this fixed and they stated a refund for that amount will occur and it will take 30 days. After 30 days the refund came however a late/interest charge of {$2.00} came onto the account. I called again and they stated this will be refunded as well and it will take 30 days. AGAIN, another charge came before this one was removed totaling {$4.00} and then a missing payment was initiated on my credit report ( Never missed a payment in my life ). Once I talked with Best Buy again they settled the outstanding balance and they submitted a dispute to their internal credit bureau to get the missing payment removed. I then received a letter in the mail stating that the missing charge was correct and that the missing payment will stay on the report. I tried disputing using XXXX and XXXX with no luck as they came back with that the late payment is correct and will remain on the account. This has been going on over 7 months now and is affecting my ability to fund our wedding now. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX  I purchased a XXXX XXXX XXXX XXXX  at the end of XXXX in XXXX. I was charged almost {$8000.00} for a warranty I never wanted or received. When I called and copained they removed this charge on my account. However they changed the terms of my agreement and have harmed me and I want the orignal terms i signed up for. 

I signed up {$540.00} payments@ 1.9 % APR for 72 months. When they credited me back the {$8000.00} they never changed my payment from {$650.00} a month to the {$540.00} it should be at. I will then pay off the car almost 10 months earlier and I can't afford the {$110.00} more per month. 

XXXX XXXX XXXX XXXX XXXX  sold me this truck and GMXXXX Financiaal wont help me out either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, this person claimed that these goods will be sold after payment via PayPal. This person is a fraud and needs to be shut down so that he/ she can not do this again to others. He stole {$600.00} through paypal from me and disappeared with no more response by email and XXXX. Face storefront on XXXX called XXXX XXXX. 

Email : XXXX Thank you. 

you can reach me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I made a purchase online for 2 bottles of facial cream from a company called XXXX sometime at the end of XXXX XXXX which clearly stated it costed {$12.00}. After using the phone system for Georgia 's child support XXXX on XXXX i noticed XXXX unauthorized charges. It took this long to catch the charges as this company does not provide any kind of statements and i have been locked out of their online system without any assistance to get back on. I immediately called to start a fraud claim the same day. I was given an XXXX # for the company XXXX XXXX XXXX who i called immediately on XXXX as well. After asking them to cancel my account XXXX cancellation # XXXX ) and to stop their fraudulent charges they stated in order to be reimbursed i would have to call back with the bank. After filling out the paperwork XXXX sent and waiting i received a notice on XXXX from XXXX that they could not find where an error occurred. 
I was told when i reported the fraud to XXXX that there was probably something in fine print about subscribing to something. Whether that 's the case or not, that 's the definition of fraud. Deceiving to gain monetarily. As i stated to XXXX, i did not receive any products, services, or emails from the fraudulent company ( XXXX ) besides the initial purchase for 2 bottles of facial cream that clearly stated {$12.00}. I could not even find a website for the company online.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXXXXXX XXXX I moved to XXXX  in XXXX and we do not have XXXX XXXX out hear.
Product: Credit reporting or other personal consumer reports

My account with XXXX FEDERAL FCU, XXXX XXXX, CREDIT XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX FEDERAL FCU, XXXX XXXX, CREDIT XXXX, XXXX XXXX, 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 in those accounts to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX, CREDIT XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 or other personal consumer reports

My credit report contains incorrect personal information, which has led to an unknown and fraudulent account being added to my credit file. This account is the result of identity theft, where my personal information was used without my authorization. I filed an FTC identity theft report and submitted the necessary documentation to Experian, but this fraudulent account still remains on my credit report. These inaccuracies are negatively affecting my financial standing and causing unnecessary stress.
Product: Credit card or prepaid card

I have a CITI XXXX Credit card and I have converted to CITIXXXX plus on XX/XX/2022. When I do the conversion I have been informed the charged annual fee for my CITI XXXX  card will be refunded prorated. But until now I still have not seen the annual fee refunded.
Product: Credit reporting or other personal consumer reports

Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX  Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ), XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
XXXX XXXX XXXX Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXDespite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Vehicle loan or lease

I financed a car with XXXX XXXX in XX/XX/XXXX. Since then it has been an absolute nightmare to deal with this company. I fell behind because I am experiencing medical issues. In XXXX I paid the account current. I checked several days later and it said my account was current through XXXX. Now somehow they claim I am a month behind again? I have been making payments of {$400.00} the past TWO months and most recently a payment of {$500.00} and they are still showing that my minimum amount due is {$850.00}? How can that be when my payment is supposed to be about $ 305 month? 

There payment system is atrocious as they do not process their own payments and utilize XXXX XXXX. I have notified these people about a change of address that was effective XX/XX/XXXX and they still process payments on my old address causing the payments to be returned because the address is incorrect. This is ridiculous. I have contacted them NUMEROUS times before with no resolve. Customer service reps are less than helpful and woefully incompetent.
Product: Credit reporting or other personal consumer reports

This bankruptcy is on my transunion credit report and this is from a third party. I have received a letter stating this was not to be in my public records and its inaccurate. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate the information that you have obtained for reporting, delete any unverifiable, inaccurate, or outdated information from my credit report.
Product: Credit card

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received notification from XXXX  XXXX that my order was not going to be processed as the credit card was not valid. On XX/XX/XXXX XXXX  XXXX pushes through the order on an invalid credit card. I did not update nor give any new payment information. I then email them on XX/XX/XXXX saying I did not authorize payment and how can they push through the order. I did not hear a response for a few days so filed a dispute with my credit card company. On XXXX I received notice from XXXX  XXXX that the email they have listed as customer service is not monitored. The order arrives and I contact the company XX/XX/XXXX that I did not authorize the transaction and the card they used was closed months prior. I asked to return the unopened shipment that I did not authorize and that they stated 4 times was not processing. They indicated to me I would have to pay shipping back to them on product I did not order. I have repeatedly asked for a return label as I didn't order it in the first place. It is also unclear if they will be returning the entirety of my payment. 

I filed a claim with my credit card company XX/XX/XXXX stating the charge was not authorized, the company indicated 4 times the charge would not occur. They sent notice XX/XX/XXXX that they can't resolve the dispute. 

I have also filed a XXXX  claim XXXX and the company has not responded.