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

XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from XXXX XXXX XXXX and XXXX XXXX. 

Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX XXXX  and XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX bank account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX XXXX XXXX to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with Destiny Mastercard due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 

Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.
Product: Vehicle loan or lease

XX/XX/XXXX - We bought a new car and hoped to sell the XXXX XXXX XXXX that we paid off back in XXXX only to find out that Hyundai Motor Finance is still showing as the lienholder on the account. We called Hyundai to have them release the lien and they stated that they would and send over the documents. 

XX/XX/XXXX - Did not receive anything as of yet and we have called them again to no avail. We are trying to sell our car and the fact that we can't even sell it due to the finance company holding it back is unfair to us as we fairly paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely UPSET with this company. I have sent a dispute when this first came on my credit report on XX/XX/XXXX. XX/XX/XXXX, I submitted all my information and documentation to XXXX, XXXX, and XXXX XXXX. This was rectified and removed from my credit report in XX/XX/XXXX on XXXX  but not on the other 2. I submitted a dispute recently in XX/XX/XXXX ( in writing ) to the creditor Kia Motor Finance asking them to also remove the information reported INACCURATELY to XXXX  and XXXX XXXX. They have now put that information BACK on XXXX  as of Today XX/XX/XXXX, and my score has now dropped by 70 points!!! This is COMPLETELY UNACCEPTABLE!!!!! I am closing on my home in 3 days and I need this FIXED ASAP!!!! As you can see from the attached documents, XXXX and XXXX Bills were not updated no matter how many times I called and the insurance company called for that to be done. The bill was not revised until XX/XX/XXXX and I didn't receive that revised Bill until XX/XX/XXXX when I called in to have it emailed to me!!! Which then was paid within minutes from the insurance company and myself!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The purpose of this letter is to inform CFPB that I have asked XXXX, XXXX and Transunion to remove all inaccurate and unverified information off on my consumer credit report. I have not been notified by any of the 3 credit reporting agencies of their intent to remedy this damaging description. It has been more than 30 days, I am requesting CFPB to investigate this gross error and demand correction for violating my rights under the FCRA. 

Each bureau was notified via letters on 3 separate attempts to correct this error, to no avail. The original letter is dated XX/XX/2021 ( please see attached documentation ). Thank you in advance for your assistance and I am looking forward to hearing from you.
Product: Debt collection

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. TSI/XXXX  XXXX, $ XXXX-XX/XX/2021, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/2021, 3. XXXX XXXX $ XXXX-XX/XX/2021. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : hXXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 
2. XXXX, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Credit reporting or other personal consumer reports

I have asked the credit agency to remove this address from my credit report, but it is still fraudulently being reported.
Product: Vehicle loan or lease

Purchase date was XX/XX/XXXX, payoff date was XX/XX/XXXX from XXXX XXXX. Total amount financed was {$11000.00}. The finance company was Total Finance AC, LLC. Both the finance and auto company have gone out of business now and there is no way to contact them. We have went to secretary of state for loss of title and were told there's a lein on the title. We are currently trying to get a lein release letter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CREDIT COLL ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. I have included an attachment of Equifax confirming my information was compromised. This has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I kindly request that Equifax block the following accounts and prevent any further reporting of them on my credit report : XXXX  XXXX, Account # : XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 aXX/XX/XXXXXXXX XXXX account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.
Product: Vehicle loan or lease

I am making monthly payments of {$490.00} on a XXXX XXXX XXXX to Summit  Finance. In XX/XX/2016, the original loan amount was XXXX. I tried to re-finance through this lender but was denied. Then I tried to re-finance through my bank but was also declined. I found out that for over two years I have been paying only XXXX towards the principle. The car is only worth XXXX and the pay-off amount is XXXX. The dealership told me they were charging me 24 % INTEREST. THIS IS CRIMINAL! IHAVE BEEN UNDER EXTREME FINANCIAL HARDSHIP for the past two years and at a rate such as this I may not live that long to ever pay it off! I also did some nvestigating of 'Summit Financial Corp. and they recently declaRED BANKRUPTCY. I AM CURRENTLY WORKING WITH XXXX XXXX TO REPAIR MY CREDIT-but in the meantime I continue to be financially XXXX by this company. aLL i AM TRYING TO DO IS GET A LOWER MONTHLY PAYMENT. i AM A XXXX VETERAN AND LIVE ON A FIXED INCOME 100 % SERVICE CONNECTED.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXXE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX & XXXX My credit has been declining for a few months.XX/XX/2019 I paid off a lot of my debt my score was XXXX since then it has decline especial the past 3 month, I went from a XXXX to XXXX ... I have no recent late payments, last late payment was 7 years ago. I have a good long standing credit. I did have an incorrect inquiry from XXXX which I can not resolve, they ran a credit check and I was not told I could not have a joint signer, other that that no big activity, I have recent usage, but not for my score to go down that extreme. I paid of my student loan, just under 10K and  that seems to also have decreased my score. I am a good credit risk and I look at my score everyday and I have written to all three bureaus and called and questioned it no one can give me a reason as to what is going on. I need it to be a stable number back to a XXXX at least if I do decide to take a loan I wont get the best rate because there is a systematic issue, your help is needed please
Product: Credit card

A store clerk opened a Sephora store Credit Card without my consent. The date is unknown. The Credit Card displaying my name was never physically used by me for any purchase. I reached out to XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX, and was informed by their representative they are unaware of the invoice for the charges however, there is a total balance due of USD XXXX. 

I have not received an invoice for the charges to file a police report. 

I've contacted Sephora several times and was ignored after the attempts. 

Sephora reported unpaid charges on my credit report for over ( 2 ) years and then sold the balance to a debt collector.
Product: Credit card or prepaid card

XX/XX/XXXX XX/XX/XXXX CFPB XXXX XXXX. RESPONSE USAA CONFIRMS XX/XX/XXXX XX/XX/XXXX numerous temporary credits. 
What is NOT REPORTED IS TRUTH TEMPORARY CREDITS ** NEVER MADE PERMANET*** XXXX XXXX USAA rep CONFIRMS USAA HELD ME THE CONSUMER LIABLE FOR THIS {$470.00} FRAUD REPORTED XX/XX/XXXX. See attatched CREDIT CARD FRAUD CLAIM date XX/XX/XXXX ONLY THE BALANCE OF STATEMENT {$470.00} WAS REPORTED FRAUD BY ME. ** XX/XX/XXXX USAA CFPB RESPONSE HELD ME LIABLE FOR THE {$470.00} FROM XX/XX/XXXX Then ( month later ) XX/XX/XXXX USAA SENDS FRAUD CLAIM LETTER XX/XX/XXXX ( CREDITS MADE PERMANET ) viewing XX/XX/XXXX STATEMENT, CLEARLY USAA CREDITS NEVER MADE PERMANET EVER. XX/XX/XXXX STATEMENT AS CONFIRMED BY XXXX XXXX CONFIRMS ONLY CREDITS XX/XX/XXXX WERE MERCHANTS {$340.00}. USAA PLACED REVERSALS OF TEMPORARY CREDITS. {$340.00} NEVER GIVEN XXXX XXXX XXXX, XXXX see XX/XX/XXXX STATEMENT. 
USAA HAS NEVER PROVIDED PERMANET CREDITS & TEMPORARY CREDITS of the {$340.00} WERE NEVER GIVEN XX/XX/XXXX TO REVERSE XX/XX/XXXX & XX/XX/XXXX the entire transactions are back on the card AS NEW CHARGES??? XX/XX/XXXX, XX/XX/XXXX = {$810.00} ( USAA ADMITS THEY HELD ME LIABLE FOR {$470.00} UNAUTHORIZED TRANSACTIONS????? XX/XX/XXXX ) XX/XX/XXXX TO CFPB AND THEN ** XX/XX/XXXX CREDITS MADE PERMANT.??? CAN NOT BE BOOTH THERE ARE NO USSA CREDITS EVER. Internal hidden credits are UNACCEPTABLE. This is over two years later. Where are all of my INTERNAL HIDDEN fraud  credits????? USAA DESTROYED MY CREDIT!!!! USAA LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS AND IT IS CONFIRMED BY USAA XX/XX/XXXX TO CFPB.
Product: Student loan

Name of Company : Nelnet Account Number : XXXX I enrolled in and have been a member of Nelnet 's Income Based Repayment Program since I graduated college where the amount owed per month is XXXX dollars. I re-enrolled in the program via phone where again my monthly payment was XXXX per month. for 12 months in XXXX XXXX and again in XX/XX/XXXX which was one month prior to the reported late payments. XX/XX/XXXX I enrolled in covid relief via phone as I suffered a job loss due to XXXX. I frequently called Nelnet asking why I was receiving late notifications and I was told their system was down and the account would be updated, however it never happened. Once I saw it on my credit I requested that the phone records be produced and Nelnet has yet to produce them. I called again recently requesting help and I was told yet again that their system was down and they are unable to assist me. This is extremely unfair to me as a consumer and it has severely impacted my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not remove an account from my report after the creditor/furnisher sent information about an investigation on the account and deemed it to NOT BELONGING TO ME. I have a letter from the furnished stating that they have investigated and found that the account did not belong to me. This letter is from XXXXXXXX XXXX XXXX  and is on letterhead. 

I have attached the letter and the credit bureau needs to completely remove the account from my credit profile immediately and send me a full report and confirmation of this deletion from my profile. 

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

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 In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault
Product: Mortgage

File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.
Product: Checking or savings account

I went to First National Bank in my local branch to open a business checking account on XX/XX/XXXX which was Saturday and account official opened on following Monday XX/XX/XXXX. 

I funded {$15000.00} more in my account on XXXX XXXX XXXX but my account got a monthly fee charged on XX/XX/XXXX. I called First National Bank customer service asked to refund the {$29.00} fee because my account just opened in 30 days I already funded my account {$15000.00} more. My local branch refund {$15.00} to my account and {$14.00} still not refund my account. 

As my knowledge when a customer opened an account in 30 days It usually no monthly fee. 

I am writing this complain to request First National Bank to refund {$14.00} back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifaxshall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the accounts below : XXXX XXXX, XXXX XXXX XXXX