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

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 a charge was made to my pay pal account through XXXX to a 3rd party app developer for {$53.00}. Immeditaly upon reciept of the email moments after the purchase was made I deauthorized my pay pal account and submited a dispute for the charge. A few hours later I received this response from pay pal : " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. '' So pay pal indicated that the dispute was denied because " THE CHARGE WAS NOT AUTHORIZED ''. Below that wording it clearly shows my dispute was submitted on XX/XX/2019 while the trnasaction was still pending. Even after receiveing my dispute paypal still put the charge through on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I reached out to the company regarding my email and phone number being changed on my account without my permission and they told me I had to prove my identity and yet they did not make the person who hacked my account prove it because they said they had all the information they needed. Theres no two factor authentication on this account that is inappropriate because hackers can just do this over and over and in fact the representative I spoke to admitted that people have this happened to three times.
Product: Credit reporting or other personal consumer reports

I have provided TransUnion will all requested documents for my identity theft case and unlike the other 2 credit bureaus they continue to refuse to remove fraudulent information from my credit report. File number XXXX. I have provided an FTC identity theft report, a police report affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX XXXX. XXXX complied with the requests and the law but TransUnion is refusing to do so. TransUnion is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B.

Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. I will be seeking these damages against TransUnion if this fraudulent account information is not removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my Trans union, XXXX or XXXX credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.
Product: Debt collection

I had an account with XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) ago. Made my last payment to them on XX/XX/XXXX. In XXXX of XXXX I was diagnosed with XXXX XXXX XXXX. I fell behind on payments. I was then contacted by XXXX XXXX and I worked out a payment plan with them. My bank account was compromised at that time and a new account for me was placed. I contacted the CA and explained my issue, I provided my new account number etc. so I can continue to make payments to settle this once and for all. NO FURTHER PAYMENTS WERE TAKEN OUT. No calls or letters etc. All was quiet. I continued to get sicker with my condition and have spent months on and off in hospitals both in and out of state. My account was closed on XX/XX/XXXX till XX/XX/XXXX. On XX/XX/XXXX, while in the hospital I was contacted that a Letter was sent along with a docket summary for me to appear in court on XX/XX/XXXX, XXXX Midland Credit Management . I am " being sued for {$4.00}, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my XXXX XXXX. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, I paid the balance of the loan in XXXX. 


Reporting to my credit report as a REPOSSESSION AND CLOSED ACCOUNT. 

As of XX/XX/2024 this credit is reporting a balance of $ XXXX, which is false. 

I submitted a disputed directly to the creditor stating the balance reported was incorrect... 

This fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. I called spoked to a XXXX XXXX, who was rude and condescending stating the car loan won't be reported as paid off for XXXX to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. 

The last time my credit report was updated was XX/XX/2024, where the balance was $ XXXX, closed, and a repossession. I have possession of the vehicle and paid it off IN FULL. Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens. 

Update account to GOOD STANDING AND PAID IN FULL... I do not owe {$5200.00} nor is the vehicle repossessed or is the account closed.
Product: Credit reporting or other personal consumer reports

RE : Notice to Correct Credit Report Dear ________cfpb__________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely my information was exposed in the data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this closed account with XXXX balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these accounts with Equifax, stating these accounts don't belong to me. Equifax has never verified any information, their response is always this account has been verified. 

XXXX  # XXXX {$170.00} XXXX # XXXX {$74.00} XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ncc business XXXX florida put unauthorized charges on my credit report listing it as a collections account. I disputed the charge and they wrote me explaining, I needed to sign a notarized affidavit w painting this was an unauthorized charge.

I did that and also provided a copy of my driver 's license via snail mail. Yet, this company has never responded back or removed the debt off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS HAS REPORTED INCORRECT ( FASLE ) INFORMATION AND NEGLECT TO CORRECT THE ISSUE. THEY HAVE ALSO REFUSED TO CORRECT MY NAME AS IT WAS USED IN FRAUD IN SEVERAL DIFFERENT STATES. I WAS BORN IN WA STATE UNDER THE NAME XXXX XXXX XXXX. I HAVE A BIRTH CERTIFICATE AND A PASSPORT TO PROVE THIS. I HAVE LIVED IN MY CURRENT ADDRESS SINCE XXXX IN WA STATE OF XXXX XXXX XXXX XXXX XXXX WA XXXX WITH THE PHONE NUMBER OF XXXX. 

DUE TO THE NEGLECT OF ADDING OTHER XXXX XXXX AND XXXX XXXX TO MY REPORT ROM DIFFERENT STATES, THIS HAS CAUSED ME DENIAL OF CREDIT, HIGHER INSURANCE AND TONS OF SCAM PHONE CALLS TO MY ENTIRE FAMILY, SPOUSE AND ME IN WA STATE. LEXIS NEXID NEEDS TO CORRECT ALL ISSUES ASAP AND SEND ME A CORRECTION REPORT. THIS HAS BEEN TWICE KNOW THAT I REQUESTED THIS. THE LAST TIME I DISPUTED INFORMATION AND REQUESTED TO HAVE REMOVE WAS IN XXXX. LEXIS NEXIS KEEPS ADDING ON THE NAME XXXX, AND XXXX FROM DIFFERENT STATES. I WOULD LIKE TO HAVE THIS CORRECTED AND MY LEXIS NEXIS REPORT FROZEN WHEN IT IS COMPLETED ON FIXING ALL THE ISSUES.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported to be removed.

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

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

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


I have requested proof that this information was mailed or delivered XXXX  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

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

We fell behind on our mortgage payments because of being furloughed due to COVID. We went ahead and submitted for a forbearance to protect us until we went back to work. During this time, my wife applied for mortgage assistance through our county and was approved for {$10000.00}. XXXX County clerk of court in Florida sent XXXX a check with a letter stating what and who it was for. After over a month of us calling to find out why they check hadnt cleared and PRMG telling us they couldnt find any check, we found out that they had returned the check to XXXX County because there was one missing number from the loan number that was printed on the check even though there was a letter with the check that had the complete loan number on there. It was no difference than mailing a payment coupon in with a personal check. The county canceled the first check and reissued it making sure that the complete loan number was on the check. The second check was mailed out on XX/XX/XXXX. We have called again and are still being told that no one has any clue about this check. I was told in XX/XX/XXXX to send an email to customer service with all my emails from the county attached. We did that and received a response that they couldnt take emails like that and we needed to go through their portal, which takes at least 4 weeks to get an answer from them. I have tried to ask about the check through the portal and get no answer in return. They cant seem to find a {$10000.00} check! We have since sold the house because we couldnt catch up on our mortgage because they couldnt find this check and lost out on money we should have profited on because they can find this check. How can a mortgage company lose that big of a check!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card

My credit card was used for 4 purchases of XXXX each that I didnt authorize. I have contacted my bank multiple times but they have denied the fraud claims. My did lose my wallet briefly at the gym but it was returned to the front desk so I didnt think much of it
Product: Mortgage

Since my mortgage was transfer from XXXX XXXX to Suntrust I have only experienced problems and harassment. Letters and notice that mortgage is delinquent but all my payments are being paid. My mortgage is not properly manage my sunrust. Mortgage payments are not being applied correctly. But the biggest problem is that I am being defraud with the principal balance left on my mortgage. In XX/XX/2020 my principal balance with Suntrust was estimated {$620000.00}. In XXXX I enter into deferred program. In XXXX I request to exit and started to make my regular payments but now Suntrst charging me an outstanding principal balance estimate {$620000.00} plus a deferred amount of estimate {$18000.00}. How can this be correct. I spoke to Suntrust. Spend hours and hours in the phone, request to speak to a manager ( that never call you ) and nothing. I dont know what to do.
Product: Debt collection

According to your correspondence on the last case a letter was sent to me about this debt in XX/XX/XXXX, However, to my knowledge, I have not received any such correspondence. The only mail I received from Burke Moore Laws Group is the letter from XX/XX/XXXX As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written verification of the debt in question before proceeding with any further actions. Kindly provide proper verification as required by law. 

I urge you to investigate the alleged mail you claim to have sent, as it has not reached me. Until proper verification is provided, I appreciate that you chose to cease all collection activities related to this debt on XXXX XXXX. 

And upon seeing the alleged letter I have not received, I would like to kindly request that you have a lawyer review the details of the alleged debt to ensure its accuracy and legitimacy before proceeding with any collection efforts. 

Additionally, I am also requesting copies of the original contract related to the alleged debt, as well as any agreement or contract between your agency and the original creditor, to ensure the validity and accuracy of the debt 's details. 

Thank you
Product: Debt collection

2 years ago in XXXX i was contacted by an office which they did provide informatio. Saying someone would be at my house to summon me for the money owed to Ace cash express, for the amount of XXXX made plans to have a payment plan of 3 payment money was taken from my account. Now today XX/XX/2020 i again get a call saying i will be taken to court for the amount i refuse to pay. Was told court date is XX/XX/XXXX but was not informed where, if i owed i would pay but i fix that situation. Either with a creditor or 3rd party.