23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have started and paid for a monthly fee to monitor and dispute inaccurate information on my XXXX bureau report through Equifax. For the last several years, although I have proven that I have paid the accounts in full, and also provided the release of lien information, the bureau 's continue to state that the trade line will remain unchanged. I have been unable to get credit, purchase a home ( which would reduce my living expenses by {$600.00} per month, and have been harmed as I have been paying monthly for the service that does not do what they say they will do. The disputes I have submitted, even with proof have remained unchanged. The liens in question are from XXXX XXXX County for the State of CA FTB. I have verified with CA FTB the account is at a XXXX balance, yet they have not yet published the release of lien. I have also requested this several times. Therefore this complaint is also filed against the state of CA Federal Trade Bureau for not reporting the lien as released or resolved in a timely manner which has not only affected my credit report but also my financial capacity to borrow money, be seen as credit worthy, and has cost me money each and every month for the membership to Equifax to attempt to resolve these issues. I have called FTB on many occassions as recent as XXXX/XXXX/XXXX. The wait time to speak to a representative is up to nearly 3 hours. When I do speak to them, it is verified the account is at a XXXX balance and that I am in good standing. I am told the lien will take 2 weeks to release, but as of 3 weeks ago when I was last told this the lien has not been released. I lost the contract on a property as this is one of the major issues we could not overcome. We have nearly {$4000.00} invested into the purchase contract which is now lost and cancelled. I am considering filing a lawsuit to recapture these losses and the monthly expenses for the membership, as well as puntative damages. The liens were filed and should have been released no later than XX/XX/XXXX. In XX/XX/XXXX I began to request the liens be released. To date the liens are still active. Going to FTB website they recommend contacting the bureau 's to resolve the mis-reporting. I have done this however, the bureaus indicate that FTB has to initiate the release. Either way, neither is doing anything about the lien although the accounts are all at a XXXX balance and I am in good standing. I wish to be made whole financially as well as have my credit restored to the condition it would have been if not for the mis-reporting and delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking for a investigation on my credit file I have fraudulently accounts that were obtain in my name.
Product: Mortgage

I had an refinanced mortgage loan through Loan Depot. This house was sold and closed on roughly XX/XX/XXXX. I had an escrow balance of {$1400.00} at the time of closing, that was to be refunded to me. I waited until mid XX/XX/XXXX and received my refund check but it was only for the amount of {$270.00}, which left a discrepancy of {$1100.00}. The discrepancy was paid out as a hazard insurance deductible, which I never had activated on the mortgage because I was never behind on payments. 

I immediately contacted them around XX/XX/XXXX to see what happened. My escrow refund was sent to the wrong account, at an XXXX insurance account. After a few hours on the phone they told me they would process the problem in 7-10 days and have my paper check for the remaining {$1100.00} in the mail and to me within 10 days after it was processed. It is now XX/XX/XXXX. I gave them 14 days from the original call date of XX/XX/XXXX and called back to check the status of the processing, I was informed they hadn't even looked at it. I was told they put priority on the case and escalated it so it would be done. I called again early XXXX, and sent an e-mail about my issue and that was never responded to. My case was still not processed and they couldn't even tell me why. 

I called again XX/XX/XXXX. Still no update and my refund was still not processed, I was told it was being escalated again. The date is now XX/XX/XXXX, more than 2 full months after closing and I have not received my {$1100.00} check from Loan Depot, nor have I received an update to why my money is being held by them. I'm not sure what else I can do to get my money back from them. I have been given a constant run around on the phone lines for hours and emails are not responded to.
Product: Checking or savings account

XXXX XXXX  was bought out by Peoples. I had bill pay through XXXX, I was trying to log into my XXXX XXXX  account to see my online payments, but it was disabled & directs you to open an online banking with peoples, which I did. Unfortunately, Peoples only showed 1 payment on my active bill pay. I had a bill that I thought was paid on bill pay through XXXX but was not showing up on the Peoples. I made the payment through Peoples & now I see on my Peoples account that they withdrew 2 {$1000.00} payments from my account ( vs. only 1 payment owed ) upon calling the customer service rep says shes sorry but not all the bill pays have transferred over & I can not see what I have paid already!! How am I supposed to know if I paid a bill or not. Now, I AM OUT {$2100.00} from my bank account & the rep says I have to call the company and ask for a refund! THIS SHOULD NOT HAVE HAPPENED! This IS THE REASON I REMOVED MY MONEY FROM PEOPLEs previously & now I am forced to have them again. They obviously were not ready for the transition. What if I did not have the funds! This take over should have been more carefully monitored and this bank penalized for this incident. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Credit acceptance was paid XXXX for the XXXX  by car insurance after accident credit acceptance got XXXX  XXXX  of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 rounds of dispute letters last one dated XX/XX/XXXX to both Experian and XXXX   credit bureaus via certified mail to verify ( 2 ) accounts XXXX XXXX and XXXX XXXX from Experian and ( 1 ) XXXX XXXX from XXXX. Because this was not accurate information I asked for them to please send me a copy of the original creditors documentation on file to verify that this information is mine and is correct. Each time they failed to do so under the FCRA and sent me my dispute results as being verified. My question to them was how did you verify that this is accurate when you didn't send me proof. 

Experian also sent me my results dated XX/XX/19 that they have deleted XXXX XXXX but as of XX/XX/XXXX it was reinserted back on my credit report. This is a violation because I did not receive from Experian an reinsertion letter within 5 days after it was put back on my credit report informing me of this. I sent a letter dated XX/XX/XXXX demanding to delete this because of their violation and yet again they came back with this item has been verified. 

Because of there failure to do so, I would like to file a complaint with you for both Experian and XXXX.
Product: Debt collection

XXXX/XXXX/2017 speedy cash withdrew {$600.00} from account after having account sending account to 3rd party collections agency
Product: Payday loan, title loan, or personal loan

I made a purchase of a king bed and mattress at XXXXXXXX XXXX and I use preferred lease as the financing company for the purchase. Now, XXXX gave me items that is broken and I tried over and over to talk with a representative from preferred lease to resolve the issues and every time they transfer me to a number that never answers. I made a XXXX review about XXXX XXXX  in order to get the issue resolved, so they sent a service guy over my house three weeks ago to fix the bed but he never fixed it and he also showed up with no tools to fix the broken frames and railings. 
Now, it supposed to be if a merchandise is defective that the leasing company will work with you. Instead they are keep writing me that my payoff is due on XX/XX/2021 but yet I can not reach anyone to talk with and see how they can help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report. XXXX  and XXXX  did Remove the fraudulent XXXX XXXX Card from my credit report but Transunion still havent removed it. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit card or prepaid card

When I returned a rental car to XXXX on XX/XX/2021 in XXXX, XXXX, they claimed there was new damage to the car. I disputed that with them at the time. They claimed damage of {$450.00} I filed a complaint with my XXXX  card issuer, Capital One, stating XXXX  claim was incorrect and denying I caused any damage to the car. 

From speaking with a representative at Capital One, I learned that XXXX  acts as an intermediary between the merchant ( XXXX ) and the card issuer ( CapitalOne ). Capital One contacted XXXX through XXXX XXXX and relayed my claim. XXXX reported back to directly to XXXX   that I acknowledged the damage at the time I returned the car. This is not true. In fact I completed a form denying any responsibility for what they claim to be new damage. ( I should note that the car had numerous scratches, scraped and minor dents all over the car ). 

Capital One told me there was nothing I could do since the determination was made by XXXX  and that there was no way for me to speak directly to XXXX  about the dispute. I have since closed the account, but penalties continue to accrue on the claimed balance owed. 

Is there anything CFPB can do to help me resolve this issue? 

Thank you-
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take action against the credit bureau.
Product: Checking or savings account

It appears there was an account opened with you, i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this account was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Product: Credit reporting or other personal consumer reports

In 2022 I purchased a vehicle from byrider had it financed through their company XXXX and insured through XXXX. 5 months later I was in a tragic accident leaving me in a XXXX and hospitalized for two months and XXXX XXXX XXXX. During this time I was under the impression my insurance paid the loan off and I never received a text, email or phone call that I owed them money. Now I am trying to purchase another vehicle and my credit report shows the vehicle as being repossessed and me still owing XXXX XXXX. 
I attempted to call them today and was yelled at and hung up on by one of their supervisors and when I attempted to call back I was hung up on as soon as I gave my name and the third time I called they no longer could locate my account and I was told a supervisor would return my call but that never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Mortgage

We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am very frustrated with the lack of access and control I have over my TransUnion credit report. Even after completing their authentication verification process, I am still unable to view or manage the information in my credit file. This is unacceptable, as consumers should have full visibility and control over their own credit data. The process of obtaining and reviewing my TransUnion credit report has been needlessly difficult and obstructive. I demand that TransUnion provide me with immediate and unrestricted access to my complete credit information as is my legal right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX. amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX
Product: Debt collection

I PAID THE DEBT SO THAT IT WILL BE TAKEN OFF MY CREDIT REPORT. DEBT DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Data Reporting
Product: Credit reporting or other personal consumer reports

To my dismay, I noticed inaccurate accounts on my credit report today, something I never expected to see. Checking as part of my normal routine, I was startled to encounter these errors that seemingly appeared out of nowhere. I tried refreshing the page, thinking it might be a simple error, but nothing changed. Im requesting a thorough examination of the documents Ive provided so that this issue can be rectified and I can move forward without further concern.I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my bill for account CAPITAL ONE did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit card account # XXXX opened at XXXX XXXX on XX/XX/XXXX, Credit account # XXXX opened at XXXX XXXX XXXX  XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXXXXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX XXXX, credit card # XXXX opened at XXXX ON XX/XX/XXXX, Car lease account # opened at XXXX XXXX opened at XXXX XXXX on XX/XX/XXXX, Apartment ease account # XXXX opened at XXXX XXXX on XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

on XX/XX/XXXX i try to open a business account, and i was turn down by the bank because, on XXXX us bank report information about a negative account activity to consumer reporting agencies ( CRA ) but i believe and have evidence to prove this information is inaccurate. and i try several times to solve this misunderstanding on the past. every time i receive a note on the mail i will call the number provide to my on the note but no one ever call me or my husband back. i went to the branch where we open the account try to speak to the manager but was turn away, at the location on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX this was a clerical error. 
i had to pay rent and i needed to make a deposit. i ask for a cashier 's check it was late in the day the lady at the front desk told me to avoid NFS she would do some tricky banking movements i dint really understand but she said this would work, several days later i was alerted by overdraft charges i file a dispute and deal with it to my understanding i close my account on XX/XX/XXXX and was told no further actions were required. 

but here i am trying to open a business account and unable to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Transunion Credit bureau on XXXX/XXXX/XXXX to remove an item that was far too old to still be reported on my credit report. This was the second request for the same issue. I adhered to the payment contract for XXXX XXXX and the account had a zero balance. This information has been reported on my account for over XXXX years. The most recent investigation from Transunion has said that according to their investigation the account is active and current and will continue to remain on my credit report. This is not legal and does not adhere the fair debt collection act. I want this credit bureau to stop breaking the law and remove this from my credit report. This has been reported shortly before XXXX XXXX.