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

Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by Transunion where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by XXXX where they have labeled the transaction that occurred to an AUTO LOAN as well. Both XXXX and Transunion are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sounding the alarm on Equifax, XXXX, and XXXX! This is the case because Equifax continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against Equifax for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate Equifax and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against Equifax for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with Equifax to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to Equifax, but XXXX JUST ADDED the fraudulent 30 days to my XXXX report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$3900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) Balance {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today and can't figure out how they got there. Everything looked normal before, but now there are discrepancies. Even after refreshing my browser, they didnt disappear. I need you to thoroughly check the documents I provided so this can be resolved immediately, and I can finally stop worrying about these unauthorized inquiries.
Product: Mortgage

The summary of documents I received from WFHM, included and attached are the payments WFHM chose to omit. For whatever reasons they chose to do this, has cost me a chance to refinance and due to the fact that WFHM does not report my mortgage. It has also affected my credit score for years, the re-affirmation paperwork was never sent to the XXXX XXXX XXXX XXXX. I have gone directly to XXXX and spoke with XXXX XXXX XXXX directly and his staff and WFHM, failed to send the required paperwork to the XXXX and Courts. Additionally, they are refusing to re-affirm the loan and refusing to take responsibility for the missed payment history and responsibility of fault. As seen in the correspondence attached. WFHM needs to be thoroughly investigated for the common practices they exercise in not reporting all mortgage payments of their customers. It seems the monies received from clients are used to set up other accounts not known to their clients. This is the precise reasons they have been bumped down to a XXXX rating. This has been I estimate about the 50th letter I have sent to the CFPB, only for WFHM to reply and stall in working on a solid solution. WFHM does a smoke screen in delaying the responses, so as to apply the payments late and set up accounts, unbeknownst to the consumer.
Product: Debt collection

I am submitting a complaint because Freedom Truck Finance , LLC is not upholding the settlement verbal agreement. On XXXX XXXX, 2022, both parties agreed for a settlement amount of {$5100.00}. The verbal agreement stated that starting XXXX XXXX, I had XXXX  days to make the first payment of {$2500.00}, which I did on XXXX XXXX. I was also put in a situation where I was forced to sign the settlement letter with the wrong information because I was told that I could lose the settlement based on their deadlines -- even though the letter was wrong. The second payment of {$2500.00} was due in 30 days. However, I made the second payment on XXXX XXXX, 2022. Even though I paid the full settlement amount within the timeframe agreed upon, Freedom Truck Finance , LLC continues to purposefully send settlement letters with the wrong information to put me at a disadvantage by changing the dollar amounts, due dates and the date when they created the letter. For example, the second letter has XXXX XXXX in the headline, but they sent the letter on XXXX XXXX and it has the wrong due date. In addition, even though I paid the full settlement amount, they are breaching the agreement by not closing the account and not updating the credit bureaus accordingly.
Product: Money transfer, virtual currency, or money service

Early Warning Services ( Zelle ) failed to protect me a consumer against malicious attacks and fraud, from my bank account. 

Starting from XXXX of XXXX throughout XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a student loan on my credit report that they have not properly verified yet they are reporting this information as accurate. 
I am asking TransUnion to properly verify this information properly by speaking to someone at the XXXX business, give me the name and identification number of whom they spoke with, the date and time that they spoke with a human, and the information that was given to them. I have spoken to XXXX and was told that they have never spoken to TransUnion, so I am not sure how TransUnion is reporting this information. 
Also, TransUnion is decreasing my score because it states that the balance on the XXXX account is increasing thus I must have been late on payments or not making payments. Yet XXXX has NEVER reported to TransUnion that there have been late or missed payments. 
If TransUnion can not properly verify its information that is speaking with a live human being and getting the name and identification number, the time and date in which they spoke with such live human and the result of such call. Then they must delete this information from my credit report and stop giving me a derogatory score for information that they have not properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX  XXXX  XXXX Balance : {$310.00}
Product: Bank account or service

RIP OFF AND FRAUD COMPLAINT. 

Message : Complaint # XXXX. Copy of my complaint to XXXX. and FTC. 
XXXX XXXX XXXX cancel the ACH services and Directed me to ENROLL for my Social Security Bennefit Payment with XXXX who latter asked me to Register with Direct Express Card Payment Processing Services . I did Enroll since XXXX XXXX, 2015. ATM card was issued for me on XXXX XXXX 2015. Up to date, I did not get the ATM Card. It was never mailed to me. But my Benefit payment was been Sat Upon, starting from XXXX 2015. Now they have my XXXX, XXXX, XXXX AND XXXX Payment without me being able to access my money for four Months. My Family is Starving and has no money for Food since. My Small Children are the Victims of this wicked act.I have Cancelled my Business with them, but access to my money with them remained a misery. i need my money to feed my little children and myself. Please Help me somebody. 

Desired Settlement : Refund My Benefit Money for 4 Months, Namely XXXX, XXXX, XXXX and XXXX is to be SENT to Me Either on a replacement CARD or By Check in my Name to be sent to my address at the XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX for the 4 Months, to be sent to Me Please. 

I am contacting you to see if you can help me recover a 4 Month Payment recieved by this company. But refused to furnish the Payment to me since last year. All efforts to get this {$350.00} x XXXX = {$1000.00}. in Total proved abortive. The company is named : Direct Express Card. Phone # XXXX and XXXX. Cust.Support XXXX. Social Security Bennefit Payments For Me.. This company collected 4 months of my money without giving me the money up till date. Can you collect this money for me Please? I am corrently in XXXX. XXXX My Phone # XXXX XXXX and XXXX. This company address is XXXX XXXX, XXXX XXXX, XXXX XXXX Email : if it is working is XXXXXXXXXXXX Please let me know if you can assist or Direct me to Who can help with this information given to them. thanks. 
This is done to many more People too. 
This wicked practice has to STOP on SENIOR CITIZEN. Thanks.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to midland mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over XXXX short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. 

XXXX- Midland added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. 
Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made 2 payments a month. XXXX & XXXX on autopay since those were the days I got paid. 
Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. 


Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting 2 lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted 2 late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every 2 weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make 2 payments that are received by them for that calendar month. I am being told by agents that my lates are because I make 2 payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making 2 payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't.

I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several disputes to the credit reporting agencies, XXXX XXXX continues to report an account that should have removed years ago. The entry- under account number XXXX- was opened on XX/XX/XXXX and subsequently closed on XX/XX/XXXX. While the account was closed in a negative status, it should have been removed almost XXXX year ago. My complaints have fallen on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original creditor 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} I have contacted each and every creditor they told me to call the credit bureau they can not give me any information on these accounts that they are saying are mine they are very rude and not being considerate of identity theft!
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting the removal of the following items listed below that are unknown to me. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove the items within four business days of receiving my previous letter. I have already included this in my previous complaint and am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$790.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XX/XX/XXXXXXXX XXXX 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/2021 there was a transfer of {$2300.00} from my Bank of America XXXX debit card. I did not make that transfer. BofA said they investigated my claim twice and they say that I made the transfer ( see attached letter from BofA ) and I should try to collect it from the person I sent it to. 
I asked for copies of the of the paperwork they ( The denial letter said I could request that paperwork ) used to come to their conclusion. I still have nothing. 

They just denied it for the third time. When I did the police report they said I had identity theft. The person or persons also got into my XXXX XX/XX/XXXXfor almost {$900.00} but it Ive already been reimbursed for that if Bank of America is so sure of themselves to deny my claim three times, why wont they let me know what they used to make their decision? 
I dont know where to go now for help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within 24 hours saying the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act, as highlighted in the CFPBs recent administrative proceedings ( File no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigation. 

The following accounts are in question for inaccuracies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

Negative Accounts XXXX. 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 Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject : Request for 1099-C Issuance and Deletion of Charge-Off from Credit Report Discover Bank Credit Reporting Department , Good day , I am trying to purchase a home. I am reaching out regarding the closed credit card account with Discover Bank, which reflects a charged-off status on my credit report with an outstanding balance of {$1000.00}. This account, which was opened on XX/XX/XXXX, and closed on XX/XX/XXXX, has recently impacted my credit history and score significantly. 

Under the Internal Revenue Service ( IRS ) guidelines, if a creditor forgives a debt exceeding {$600.00}, it may consider the amount as canceled debt, thereby potentially requiring the issuance of a Form 1099-C. To determine if this debt qualifies for cancellation, I kindly request that you review the accounts status and confirm if Discover Bank will proceed with a 1099-C filing for this balance. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) Section XXXX81c ( a ) ( 4 ), credit reporting agencies are required to ensure that only accurate and verifiable information is retained on consumers credit reports. Given the account 's current status as a charge-off and the potential issuance of a 1099-C, I respectfully request that Discover Bank delete this charge-off from my credit report to ensure compliance with the FCRA.