23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

turned in leased vehicle, which I was suppose to either get another leased vehicle, or a new vehicle. I purchased a new vehicle in 2006. I was charged even though the agreement was that I would be able to take ownership and make payments. My car was repossed in XXXX the creditor changed hands 3 times, each time extending my lateness. car was sold at auction. it has been over 10 years and XXXX continues to have no information of my payment history, yet they do not know how much I paid, they say I have no late payments, they closed account and tell me I still owe XXXX. It was 10 years ago I purchased an XXXX, between my lease return, and purchasing the new vehicle, the XXXX original lender, sold my car note, then XXXX owned it and sold the note again to XXXX. XXXX is charging me for a repossession they have no explanation for what late payments, what paymens were made, and it is long overdue to remove this from my credit report since it looks like I own XXXX cars. my personal information was exchanged through all these agencies, and sensitive information. Phone calls 6x daily for years. I am now on XXXX, I was able to have XXXX and XXXX remove from credit report, but XXXX will not. They say it is closed account with outstanding balance of XXXX they charged me as if I never turned in the leased vehicle fully paid on time, added insurances I declined, and threatened me when I told them I was going to contact XXXX in Ohio XXXX the sales dealership was XXXX XXXX, XXXX, Ohio. I have no agreement with XXXX.
Product: Credit card

I opened a new credit card with Citibank in late XX/XX/XXXX with the sole intent of utilizing their promo rate of 0 % for 21 months on balance transfers. This money was going to be used to payoff my home equity loan. I initiated the balance transfer on XX/XX/XXXX and it was done online. All that was requested was amount, name of creditor, account # and address of creditor. No routing # was requested. I got an email the following day on XX/XX/XXXX the transfer was complete. I watched my bank account for it to show up the following days and weeks that followed. After a week or so I reached out to Citibank and asked that they lookup the transfer because I didn't have it. They said it can take up to 10 business days. After that I continued to reach out to them multiple times to no avail. Finally I reached out to their executive team in hopes of getting a resolution to this matter because now I have a due date for minimum payment they are wanting. They assigned my case to an analyst and after some discussion with them they were going to research the transfer and came back with the trace ID. My bank can not find anything related to that trace ID or my balance transfer and Citibank is saying their is nothing they can do, the transfer went through and they can not rescind it back. My thoughts are they sent it to the wrong bank ( there are probably hundreds of American National Banks in the US ). I will not and should not be help responsible for something I never received and that went elsewhere. My bank has spent countless hours researching this issue and can not locate anything related to it. Please intervene and help as this is a huge XXXX XXXX company so big they are just trying to run over the little guy and act like their is nothing they can do. Seems to me they could figure out where they sent the money and reach out to that same bank and see what happened.
Product: Credit reporting or other personal consumer reports

Name ID # XXXX on my credit report is a misspelled version of my last name that I never used or knew of ... ..this was probably a company that tried to open an account or tried to spell my last name... ..I would like this removed from my credit report...
Product: Credit card or prepaid card

I was unemployed and receiving unemployment benefits from the Maryland unemployment, however the Maryland unemployment agency randomly selected some unemployment accounts that were using Bank of America debit card as payment method for a identification verification purpose. which means that my UI debit card was also put on a temporary hold/Deactivate. The identity verification review process were completed and, my account was clear and open by the Maryland unemployment, however My UI debit card remains closed. The Maryland unemployment contacted Bank of America to open my card and reactivate my debit card on the XXXX of XXXX up till now they have refused to do that. Multiple emails has been sent to Bank of America in regards to reactivating my UI debit card, but bank of America has refused to open my Unemployment debit card.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

OnXX/XX/2021 I bought XXXX dollars worth with coinbase. Then a few weeks later I purchased another XXXX. On XX/XX/XXXX I received a notice that my password had been changed and if it was not me to shut down my account and check with my bank. On XX/XX/XXXX I noticed XXXX dollars pending in my account. Every day since then I have reached out to Coinbase. I have been unable to get into my account since that day. I literally have tried everything, from resetting my password. I have tried to trouble shoot a thousand different ways and nothing has worked .I have been told in 4 to 5 business days someone will contact me. But no one has. I have asked if I have any money left in my account. I asked to close my account. I get nothing from them!!! I dont know what else to do. I hope you can help me.
Product: Credit reporting

This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX {$350.00} XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Recently checked my credit report and noticed some inaccurate accounts reporting. Ive disputed via certified mail. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.
Product: Checking or savings account

Made a purchase with an online clothing store on XX/XX/2021. Order was delivered the following month. Items delivered were not the same as advertised on the clothing website which made me look up reviews on the website. I discovered that the website has mislead numerous customers with their false advertising and that they have also not given full refunds for items purchased. I made a claim with my financial institution and they said they would examine it and get back with me with the final settlement. On XX/XX/2021, I received a notification that my financial institution was unable to pay back the money charged from the fraudulent business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately and has not responded to my disputes. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX {$3500.00} not mine INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXY : XXXX XXXX not mine
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 reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and credit inquiries from my credit report due to unauthorized access and misuse of my personal information resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts and inquiries that I did not authorize. 
The accounts in question are as follows : XXXX. XXXX  - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$230.00} XXXX. XXXX XXXX Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$16000.00} XXXX. XXXX XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$84.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$600.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$1800.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$1500.00} In addition, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive pulled my credit report Both on your website as well as identity IQ and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/2023, which is reported as 30 Days late on XXXX, XX/XX/2023 on XXXX, and XX/XX/2023 Equifax. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, XXXX, and equifax on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

I applied for mortgage assistance XXXX XXXX through XXXX  whom told me I am approved but needs homepoint to sign the agreement form. After months of calling trying to get assistance I was told the form was signed in XXXX however the XXXX  company stated that homepoint sent the agreement but not the W9 that is required to send back with the perticipating form. I am in fear of foreclosure due to this. The lady that was working on this same compl Said I cant call her about this matter. No one will give me a supervisor name and contact info to get this resolved. Homepoint is saying that they receive payments from XXXX  already for other accounts and dont have to do anything on their end. However XXXX  is saying that is for their sister company not homepoint directly
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 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 in those account 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 am writing to address a serious issue with my credit report. It has come to my attention that an account listed on my file was opened using unauthorized and fraudulent use of my identity. I want to make it very clear that I did not authorize this account, nor do I have any association with it in any way.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Inadequate Investigation Under the FCRA Dear Sir/Madam, I am writing to file a formal complaint against XXXX for failing to properly follow the Fair Credit Reporting Act ( FCRA ) in handling my recent dispute regarding an entry on my credit report from CCS Collections for {$XXXX.00}. 

Background : On XX/XX/2024, I submitted a dispute to XXXX about the XXXXXXXX XXXX account, challenging its validity. Astonishingly, XXXX responded on XX/XX/2024, claiming the dispute was resolved. Given the complexity of such disputes, it is implausible that XXXX conducted a thorough and fair investigation within just 24 hours.

Verification Efforts : In my effort to resolve this issue, I contacted XXXXXXXX XXXX  directly via their website, XXXX XXXX XXXX, to obtain their telephone number. On the morning of [ Date ], I spoke with a representative from XXXX Collections for 13 minutes. During this conversation, it was confirmed that the information on my credit report is not valid. 

Issues : Inadequate Investigation by XXXX XXXX XXXX  failed to conduct a proper and thorough investigation into my dispute. The rapid resolution within 24 hours suggests a lack of due diligence and a violation of the FCRA 's requirement for a reasonable investigation. 
Confirmation from XXXX XXXX  : My conversation with a XXXXXXXX XXXX representative confirmed that the {$XXXX} debt reported on my credit report is inaccurate. 

Request : Removal of Incorrect Information : I request that the inaccurate XXXXXXXX XXXX  account be immediately removed from my credit report. 
Proper Investigation : I request that XXXX  conduct a thorough and fair investigation into my dispute, as required by the FCRA. 

Compliance with FCRA : I ask that the CFPB ensure XXXX complies with the FCRA in handling credit report disputes to prevent such issues from recurring. 

I have enclosed a screenshot of the number I called and the duration of my conversation with XXXXXXXX XXXX, along with the details of XXXX  's dispute resolution that was supposedly completed in less than 24 hours.

Thank you for your prompt attention to this matter. I look forward to your response and a resolution.
Product: Debt collection

I have tried for years, to tell all 5 of these derogatory medical " bills '', that NC XXXX would've paid these. They are all either false, or been paid in full by NC XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, NC XXXX didn't pay for me. Ask XXXX hospital in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.
Product: Credit reporting or other personal consumer reports

I believe the disputes are being labeled incorrectly, XXXX Bank is being reported on my credit report but was one of the accounts that was taken over and used fraudulently, I was the victim of identity theft and multiple accounts were opened and used in my name, the FTC told me to include all accounts in the identity theft report including accounts I had opened but were taken over and stolen from me XXXX Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I included them both on the police report as well, the XXXX account was opened by me but when the family member of mine used my information to open accounts in my name they also used it to get into my bank account and XXXX  account and used my credit card fraudulently, that account has been reporting information that was due to the same person who used my identity to open accounts in my name. The charges on the XXXX card are fraud and were not made by me and the reporting information needs to be fixed. The last time I personally had access to the card and used it was XX/XX/year>, XXXX has been notified of this but has been XXXX assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XXXX  and I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills
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 U.S.C 1681. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # 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 items 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: Credit reporting, credit repair services, or other personal consumer reports

While checking report today, I saw that there was a derogatory condition for collections on my credit report and I started to get details from my bank and finally got to speak to the debt collector named I C SYSTEM INC. When I called them to inquire about the reporting condition, I was told that its a medical bill from my doctors visit on XX/XX/XXXX, I asked them if they tried calling me or send any mail. The lady over the phone was skeptical to give those details, she put call on hold 3-4 times and she stated that they sent a mail in XX/XX/XXXX, she initially mentioned that the mail got back to them. I have no recollection about the letter for collections being sent to my home address. 
The lady also told me after further investigation from her end that they tried calling me twice, but they did not leave any voicemails, everything seems sketchy to me. I feel that I am a victim of I C SYSTEM Inc 's negligence and lack of responsibility in collecting the right way and they just reported my credit stating I am not responding or paying the amount ( {$91.00} ). I have asked them to mail me the statement or charges from the doctors office, for which the lady said she doesnot have it and she has to request it. I dont understand how they can collect when they dont have details of collection. 

I have made the payment today to get out of the situation.