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

I sent mail twice to Equifax with copy of SSN and driver 's license etc in order to correct my personal information. 
They did not process my mail and did not correct my info. 
They do not seem to process mails.
Product: Debt collection

Received a call on XX/XX/XXXX will include. 
Called number they had last 4 numbers of social security number. 
Someone name XXXX told me I owe around {$2000.00} plus for credit card XXXX XXXX XXXX. 
If did not pay now. I will be charged a court cost that would make around {$4300.00}.

I did let him know that I could not recall the card He told me I open it in XX/XX/XXXXand XX/XX/XXXX it when it went bad. XX/XX/XXXXtill now just getting informed. No written letter! 

After getting my brain to work - I called again Same person told me that I open account in XX/XX/XXXX- went bad in XX/XX/XXXX this time. 

Told him needed to ask 2 questions date of last activity & when did they received this information. He refused to answer. 

If this debt is minds it would be time barred California credit card 4 years )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies in my credit report and to request your assistance in resolving this matter. On XX/XX/XXXX, I contacted Experian regarding the incorrect information present on my credit report. As of today, Experian has not responded to my dispute. I believe that Experian 's handling of this situation may be in violation of the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccuracies on my credit report and the corrections I am requesting : The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} ) is not mine. Please remove it from my credit report. 


The account with US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} ) is not mine. Please remove it from my credit report. 


The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ) is reported incorrectly. I disagree with the Balance of {$4900.00}, and I recall the amount being lower. Please delete the information regarding the Past Due amount, as this account is closed and charged-off. I request that Experian marks this account as disputed to prevent it from influencing my credit score. 


The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is reported inaccurately. The Balance amount of {$2500.00} is inflated and inaccurate. I do not recognize this amount and believe I owe less. The Past Due amount should not be reported as this account is closed and charged-off. Please mark this account as disputed while I attempt to correct this information with the creditor. 


I found inaccurate information for the US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ). I have doubts about the Balance, and the Past Due should not be reported as the account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, and I request verification of the Date Opened, Date of Status, and First Reported. 


The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$7600.00} ) is reported inaccurately. The Balance of {$7600.00} is in question, and the Past Due amount should not be provided as the account is closed and charged-off. Please mark this account as disputed while I address this matter with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported for this account. 


The account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) has inaccurate information. The Balance of {$390.00} is higher than I recall. Please remove the Past Due amount as this account has a closed and charged-off status. I plan to contact the creditor to clarify the reported data. In the meantime, please mark this account as disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses: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 XXXX XXXX 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

XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX '' s, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> I have submitted several disputes through Equifax and XXXX. The issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the XXXX. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all XXXX getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently taking to several lenders about several options regarding a cash out refinance, land loan, and Heloc. 

Loan Depot called me several times due to an alert they received from lending tree and I finally answered. I had an informative conversation with a Loan Depot representative just gathering information to make the best decision possible for myself. 
It wasn't until some time later when I received a loan packet from Loan Depot and XXXX XXXX that I realized that he had run a hard credit report on me and ILLEGALLY pulled my credit without my consent causing me a hit and a loss of points. 

I would like to know my next steps to make this right. I have very good credit and work hard to keep it that way and what happened is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Experian to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXXXXXX XXXX
Product: Credit card

I am asking for this to be reconsidered as I don't qualify for the legal aid. I have received an updated letter from XXXX XXXX which better states the problem. I'm trying to rectify what happened : they cancelled all my cards, tanked my credit rating, and kept about {$1000.00} in cash rewards. 

This is what happened : I went into the Citi site and changed my XXXX from XXXX. Balance to pay in XXXX payments. That is the only action I took in this case. I did not place a stop payment on any transaction. I tried several times to make an interim payment but everytime, the payment was rejected by XXXX XXXX. 

When I changed my autopay, XXXX XXXX automatically created a stop payment on the account which also affect all subsequent payment attempts. XXXX from XXXX XXXX attached. 

I never stopped payment on anything, I have never been late on my payments or abused the credit.
Product: Consumer Loan

I filled out an application for a signature loan with SOFI. www.sofi.com I uploaded the requested documents and they sent me a verification of employment to fill out. i filled out my portion. They faxed it to my employer. They did not include my SSN or an address where the verification can be sent to. 
After waiting about a week and several calls, my employer said they can not by law give out wage information by fax and needed a physical address which SOFI could not provide. Also, SOFI, as a lender should include a SSN when requesting verification of employment. 
I believe they are doing a bait and switch program to lure potential borrowers with attractive options and once a potential borrower applies they can not complete the loan because the way they conduct business prevents the loan from being able to get documentation required.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX BANK XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX AUTO XXXX FCO XXXX ABILITY RECOVERY SERVI XXXX ABILITY RECOVERY SERVI XXXX Collection XXXX Collection XXXX UPGRADE XXXX XXXX XXXX XXXX DISCOVERBANK XXXX COMENITYCB/ZALESOUTLET XX/XX/year>
Product: Credit card or prepaid card

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$380.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS.
Product: Debt collection

I have contacted the creditor numerous times to remove erroneous account for the rental home that was not mine, I proved i was not notified of this debt or attempt to collect the debt properly in order to prove my innocence. 
I willingly provided documentation of OTHER legal rental, at time of said rental property that was falsely under my name. Informed creditor remaining monies owed is not to be distributed to my social. 

Fraud incident # XXXX XXXX XXXX police department
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries on my profile. XXXX has deleted them but Equifax and XXXX have yet to follow suit. im asking for equifax and XXXX  to delete the inquiries also because they are fraudulent
Product: Payday loan, title loan, or personal loan

https : XXXX This says it all. They are out and out a loan shark company no doubts yet CA allows them to charge 140 % in interest according to a lawyer total plus XXXX $ a day. You can never pay them back by payments. I paid over XXXX $ a month my and bill is bigger then ever. It does no good to contact them at all.
Product: Credit reporting or other personal consumer reports

I place a dispute of the balance stated on a mortgage account. I received an email at XXXXXXXX XXXX stating that my dispute was open and a second email at XXXXXXXX XXXX stating that the dispute was completed. The website stated that the information was updated, however, the before and after information were exactly the same, with both data last updated on XX/XX/year>. Today is XX/XX/year>. Therefore, no investigation took place. Experian pretends to investigate issues with information contained on credit reports, but does not actually do so.
Product: Credit card or prepaid card

In late XXXX I received a text message alert from Bank of America asking me if I had purchased XXXX tickets from XXXX XXXX. I texted back no, and the card was cancelled. The charges were initially removed from the account. 

We later were told that we " benefitted directly '' from the purchases made, and they were recharged to our account. 

It's now late XXXX, and I have been calling B of A for months asking for this to be resolved. We've NEVER been asked to provide more information, so I took it upon myself to call XXXX XXXX, who agreed it was a fraudulent charge as evidenced by the fake email used to purchase the seats, and I worked with XXXX to show that the XXXX address and email is not linked to either of our XXXX accounts, and that we can't access the account that was used to purchase the seats. 

We've now accrued $ XXXX in interest charges because I am not paying for tickets that were purchased the SAME DAY of the concert in XXXX, a city that I DO NOT LIVE IN and have only visited once ( not the same day as the concert ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXXl ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX  XXXX XXXX, TX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX - Balance XXXX XXXX XXXX XXXX # XXXX BALANCE XXXX XXXX XXXX  # XXXX -BALANCE XXXX XXXX XXXX # XXXX - Balance XXXX
Product: Student loan

All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details
Product: Vehicle loan or lease

I purchased a car from US Auto XXXX XXXXXXXX XXXX and found out that Westlake Portfolio Management has taken over the loan. However I see that Westlake Portfolio is a debt collector. So I was trying to trade in my vehicle and the car dealer will not take my vehicle because of who i purchased it from. I have had this issue with several dealerships. Something about US auto is on the report but westlake portfolio owns it. They will not touch the vehiclewhen it comes to getting the title. However I noticed a few months back that US Auto has closed down due to bankruptcy. So can somebody please explain how a DEBT COLLECTOR has my vehicle and access to my vehicle if the car company has shut down and no longer in business
Product: Prepaid card

My Mom was given a XXXX gift card as a gift. When she tried to activate it, it said it was a bad card. I contacted the company ( XXXX ), and explained the situation. They tried to argue that the card was not in my name so they couldn't help. I told them it was a gift card and no name was ever attached to the card. They asked me to upload a copy of my government-issued identification and the gift card to their website. I did that in XX/XX/year>, waited a few days and when I called back, they said they never received it. Then they recommended I fax the information, which I did- on XX/XX/year>, on XX/XX/year>, XX/XX/year> and XX/XX/year>. Each time, they said either they didn't receive it or it wasn't legible on their end ( despite me obtaining confirmation that it went through to the fax number they gave me, plus I also faxed a copy of the same documentation to myself and it was legible ). Lastly they asked me to mail hard copies in of the documentation to their Post Office box. I argued back what proof would I have that someone would receive it that way if I didn't have a contact name to address it to? They said they didn't know what else to tell me and that they didn't have an email address to send it to. I think they are just trying to give me the runaround so that I will give up, as opposed to resolving this issue with providing me with a good gift card to replace the one of theirs that didn't work.
Product: Money transfer, virtual currency, or money service

Cash App did not have a representative or any customer service representative. I have been dealing with one dispute for over 2 years! Still can't reach a representative from their company, this is against the law.