23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX I got a loan for {$1000.00}. On XXXX I had two XXXX a XXXX, and XXXX XXXX. I had someone make 8 payments for me. Since then the have reported to the Credit Bureaus that I owe {$1600.00}. Also, they filed courts papers with my personal information which includes part of my social security number, date of birth. I reviewed the file at the courthouse, and there seems to be Fraud. First of all, I did not use my vehicle for colateral, nor did I sign to have insurance, or Road side assistance, for my vehicle. I noticed a Man by my Jeep when I was inside, I believe he got my VIN number, and then he came back inside the office. I have a lien on my vehicle already, so why would I do that. Second, the personal property they have in the court they listed are fraud, and so is my Signature is Fraud. I did not sign for such a deal!! Restitution need to be enforced, in the amount of {$25000.00}.
Product: Debt collection

XXXX XXXX is stating the debt was acquired from TX XXXX XXXX for portion not covered by insurance. This debt was originally sold to Pendrix Capital Partners. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When Pendrix attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXX XXXX  Account was used to rectify the debt. Then a bill from XXXX XXXX was received. Upon contact XXXX, I was advised that " Pendrix was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact Pendrix ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from XXXX to valid the amount on behalf of their client Pendrix. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and a fraudulent credit card account has been opened in my name at XXXX XXXX, accumulating a debt of {$4000.00}. The application for the card used a phone number, mailing address, and email address that do not belong to me. Upon discovering this, I promptly reported the issue to XXXX XXXX, explaining that the card was opened fraudulently. Despite my efforts, XXXX XXXX refused to investigate the matter properly. 

Following the initial rejection of my claim, I filed a second report, which included supporting documentation such as police reports, an FTC report, an IC3 report, and my current address. Despite these efforts, I have yet to receive any response from XXXX XXXX. Every time I attempt to follow up by phone, I am passed between multiple departments without any resolution. 

In addition to this, I have requested XXXX XXXX to provide documentation regarding the fraudulent application, but they have failed to do so. The unresolved fraudulent account has severely impacted my personal credit, resulting in a drop of more than XXXX points. 

The resolution I am seeking includes the following : - A formal conclusion to the investigation, confirming the fraudulent nature of the account. 
- Removal of the {$4000.00} debt from my account. 
- Removal of any negative reporting related to this fraudulent card from my credit report at all three major credit bureaus. 

I urge XXXX XXXX to address this matter as a priority to restore my financial standing and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX, IN - XXXX XXXX - XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone comprised my personal information in XXXX and opened a XXXX  XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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  Account Number : XXXX Account Name : XXXX  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 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

Hello I filed the compliant XXXX earlier this year and was provided a response from Exeter that the account information would be updated on my credit report being that as stated in the response from them, it was a mistake on their part that this is even reporting incorrectly. Its been over 45 days since the response and the credit reports are still reporting incorrectly and are hindering me from being able to purchase a home because it looks like I haven't paid in months and I have been paying them monthly. This is predatory lending a this point, please have someone help me please! I called and they stated it was updated but it has not been! I have filed separate disputes with the credit agencies directly, as well as contacting Exeter, and they still send it back to the creditors as being late for the 7 months!
Product: Credit card or prepaid card

To Whom It May Concern, XX/XX/XXXX I, XXXX XXXX, scheduled and underwent a XXXX  XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I paid a XXXX dollar deposit :XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which was required in order to hold a XXXX date. The charge was deducted from my Chase credit card. I was informed the deposit would be deducted from the total cost of the procedure which was XXXX. The total cost of the procedure was XXXX, which was deducted from my XXXX XXXX account on XX/XX/XXXX. I was also informed if I was going to pay cash, the amount of the procedure would have cost XXXX but because I financed the procedure, it would cost XXXX. I have contacted XXXX XXXX several times since my procedure in effort to request the {$300.00} and {$200.00} deposits back to my Chase credit card. Each time I call, I am told someone will call me back. I have not been successful resolving this issue. I demand XXXX XXXX return {$500.00} to my Chase credit card immediately because I was charged the full financed amount of XXXX on XX/XX/XXXX to my XXXX XXXX account, which I have attached a copy of my billing statement to this complaint as proof. Ive paid a total of XXXX and should have only been charged XXXX. Please resolve this issue ASAP. Please forward correspondences to : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX or email address : XXXX Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the presence of fraudulent items in my credit file. It has come to my attention that there are items listed on your platform that are fraudulent in nature, posing a significant risk to your users and damaging the reputation of your platform. 

These fraudulent items are not only deceptive but also potentially harmful to unsuspecting buyers who may fall victim to scams or receive substandard or counterfeit products. Such activities not only violate the trust of your customers but also undermine the integrity of your platform.

I urge you to take immediate action to remove these fraudulent items from your platform and implement stricter measures to prevent similar occurrences in the future. This may include enhancing your verification processes for sellers, implementing stricter guidelines for listing products, and increasing monitoring and moderation of listings.

Furthermore, I request transparency regarding the actions taken to address this issue and ensure that appropriate measures are in place to prevent the reoccurrence of such fraudulent activities.

Failure to address this matter promptly and effectively could result in irreparable damage to your platform 's reputation and trustworthiness. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/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, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Checking or savings account

I am a consumer with BofA ( Bank of America ) and I was trying to get a refund on my account for {$35.00} and they refuse me to dispute it.
Product: Credit reporting or other personal consumer reports

My accounts were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX days before the payment due date. 

Those companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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, credit repair services, or other personal consumer reports

Requesting to permanently opt out from the lists that Advanced Resolution Services provides to businesses that send firm offers of credit or insurance.
Product: Credit card

An unauthorized address change was made on my credit card. Then an unauthorized charge was made. I called the credit card company and the address was changed back to my address. The credit card was canceled and a new card was issued. Checked my credit report and this new address ( out of state and unauthorized ) was listed on my report. Filed an account alert on all 3 credit companies and was advised to file on this site also.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is reporting on my XXXX and Experian credit report does not reflect on my XXXX and all reports should reflect the information on the XXXX report..
Product: Student loan

a few years ago I had went to college and had gotten through with student loans. I had moved a few times as student loans came due and had missed ONE payment. Once I had realized the payments were due I started paying them faithfully every single month after that one was late I have never been late since. I pay one payment a month for my student loans, the one I was late on they reported NINE times and has ruined my credit. Its not fair to report a one time payment nine separate times. I have spoken to both fed loans and the ombudsman group and have gotten no where. I would understand one late payment on my report but not nine. I would recommend them to no one it truly will wreck someone 's life as it has mine. This is holding me back from buying my family a home.
Product: Mortgage

I have been paying on a morage that should have been dismissed when the morage holder died
Product: Checking or savings account

On Monday XX/XX/XXXX I noticed 12 transactions that were made on my account totaling XXXX $ that were not made by me. I immediately called the bank and filed a fraud claim. The transactions were all made in person using XXXX XXXX in three different states a XXXX  stores and a gas station. I accidently verified the apply pay request and notified the bank of my mistake. The bank won't refund the fraud transactions even though they admit I didn't commit those transactions but because I accidentally verified the fraud alert.
Product: Mortgage

My co-borrower and I funded our closing escrow accounts XX/XX/XXXX and were due to close XXXX XXXX. I contacted the company by email, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding the delay in funding our mortgage loan. I also questioned need for 2 sets of escrow documents needing signatures, what increased costs did we incur due to the delay of funding and being charged a reappraisal fee. Our XXXX XXXX loanDepot office was unable to answer any of our questions so I sent a certified letter via US Mail to the corporate office in XXXX XXXX, CA on XX/XX/XXXX XXXX company received it XXXX XXXX. No reply from the corporation. I wrote again on XXXX XXXX with no reply. I wrote the CEO XXXX XXXX via certified US Mail on XX/XX/XXXX XXXX company received it XXXX XXXX ). STILL NO REPLY!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENT FOR IDENTITY THFT REPORT. 

An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by SOUTHERN MANAGEMENT SYSTEM who also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.
Product: Debt collection

A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX and Equifax regarding XXXX and four ( 4 ) fraudulent accounts that were created under my personal information. I filed a FTC report and affidavit stating same. XXXX agreed to delete three ( 3 ) accounts but stated one ( 1 ) account was being investigated and it would take 90 days before completed. Why? I do not know as I did not open this account. According to XXXX : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

Thats wrong, as the CFPB and FTCs brief explains. In the FCRA, XXXX put express requirements on companies with respect to information that can not be verified. Those requirements would be meaningless if companies could continue providing unverified information and telling credit reporting companies that they could continue sharing it. 

Based on information above, XXXX can not verify this account and therefore credit reporting agencies should delete same until it can be verified. XXXX and Equifax are refusing to remove this account. XXXX said it does not give any further information to credit bureaus only states " it's under investigation ''. 

Please see attached documentation to all reporting agencies attaching FTC report and affidavit dating all of above.