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

XXXX opened a credit card account without my knowledge. On XX/XX/XXXX I went to XXXX store  XXXX in XXXX XXXX Fl to buy some clothes for an upcoming court date. When I went buy my clothes at the register the cashier asked me if I had a phone number with XXXX to get a discount on the clothes, I said no and she asked me if I wanted to sign up for it and I agreed. It is extremely important to mention that this lady NEVER said a single word about a credit card at any point during this interaction and the information that I had to give was my phone number and a signature. Fast forward 3 months later on XX/XX/XXXX I get notifications from XXXX and XXXX XXXX telling me that a new account with COMENITYCAPITAL/XXXX  was XXXX to my credit report and that it was 30 days past due. This came as a complete shock to me because as I previously stated no credit card was ever mentioned. I disputed this information with all XXXX credit bureaus and my disputes were denied so I reached out to XXXX on XXXX separate occasions once on XX/XX/XXXX and twice on XX/XX/XXXX each call I was placed on hold for over an hour the first call I hung up because I had to go to work, the other XXXX calls I waited and when I finally got through to someone they said that the credit card had been sent to my address on file but I never received the credit card physically or virtually, with that being said I explained what happened and she said that she would mark the account as unsolicited asked me to wait and then hung up on me. The second person I spoke with I told about the situation with the first person and she told me that no changes had been made to the account she asked me to wait and then hung up on me just like the first person. I was very respectful and was not speaking in an aggressive manner or using inappropriate language and no one attempted to reach back out to me that day. So I waited until XX/XX/XXXX to compose an email and send it which I know it is a holiday but I just wanted to have it sent already so that they would have the information and contact me when someone would be there to email me back. They havent made any attempts to contact me at all and they are trying to hold me responsible for a credit card that I can not stress this enough DID NOT WANT and even worse a credit card that I never received or have access to. All I want from this is to have the account itself and the late payment taken off of my credit report because the account shouldnt even exist in the first place. And all anyone has to do is look at all the other accounts on my credit report and see that they were all paid and paid on time during the same period that they try to say I didnt make payments on a credit card that I dont have. Ive never missed a payment in my life and now they are ruining my credit that I worked so hard to build.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently opened a loqbox.com credit builder accoun, and I have made two payments already. The payments I made have not been reported to the credit bureaus yet. It still shows I have yet to make a payment, which isnt accurate representation of my true credit worthiness. I have gotten denied while applying for new credit as it still shows I owe the full balance on the secured loan, and that is false. The reason or being denied was " you still owe 100 % utilization on an existing loan amount '' and " not enough payments made on an existing loan '' which is false. Please make an update to the credit bureaus to reflect both of my payments and the new loan amount ASAP. Thank you for your assistance in this matter. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items XXXX XXXX XXXX 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: Vehicle loan or lease

I have made 33 payments. I have had 2 extensions on the loan. I owe the same amount I did when I bought the car as well as have been told I am still late even though I am one month ahead of the actual billed contract and the down payment was not applied at all to the loan. The interest rate is supposed to be 17 % but they have charged a 95 % interest rate so far on the loan by compounding 17 % per month instead of a 17 % apr. They are illegally charging fees as well as threatening with repossession on a loan that is current. This company is violating multiple federal and state laws and being deceitful to a XXXX person as defined by the ADA. Also the contract amount states XXXX XXXX monthly payments. They have been charging XXXX XXXX  monthly every month with is illegal to charge a different amount monthly then the agreed upon amount. As shown in the picture of the original contract.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I received a collection letter in the amount of {$1800.00} on XXXX XXXX from the company Caine & Weiner with account # XXXX. This was sent to them by XXXX XXXX XXXX company regarding a mortgage insurance that was cancelled months before. This was all due to an error on the insurance 's part when they did not correctly cancel a policy when it was cancelled. I have been working with my agent and XXXX XXXX to confirm this is all settled and complete which it is. I have a {$0.00} balance and the errors were fixed. Caine & Weiner still tell me I owe approximately {$1700.00} as a debt they are are collecting. They declined to contact the original creditor ( insurance company XXXX to resolve this. It has been almost 4 months and they still have yet to fix this on their end. Had I not been aware of all the rules in place for a collection company to collect a debt, I would be deeply in debt. I know XXXX XXXX and Caine & Weiner are not practicing the correct rules in place. Caine and Weiner need to verify their information before considering someone's debt. They only allow the consumer to send a dispute to their company to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, & XXXX, XX/XX/XXXX, and XXXX letters were sent to dispute and remove invalid information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX DATA X Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Apartment XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed some serious mistakes on my credit report related to specific accounts that arent being reported accurately. This is directly affecting my credit score and causing unnecessary financial strain.
Product: Student loan

Federal Loan Servicing Credit received a certified letter form me on XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual document with Federal Loan Servicing Credit bearing my signature AND marking the account disputed on my credit report. As of XXXX/XXXX/2016 Federal Loan Servicing has not complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX Granite Woods Loop was initially taken out w Dovenmuehle Loan # XXXX and my mailing address at the time was XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for Dovenmuehle. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from Dovenmuehle to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware XXXX. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the XXXX Acct current. We request that the negative credit reporting from XXXX be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan w Dovenmuehle.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not authorize these companies to run my credit report. This is fraudulent.
Product: Mortgage

My mortgage was purchased by Carrington Mortgage Services LLC. I have an impound account that was transferred and collected on a monthly basis. My homeowners insurance expired XX/XX/2022. On XX/XX/XXXX I was contacted by my insurance company to tell me my insurance lapsed and I needed to pay to ensure coverage. I paid the minimum payment due of {$640.00} to retain coverage ( money that was not budgeted for ). The next day, XX/XX/XXXX I called Carrington and asked for payment status. I was told that they made payment in full. Today, XX/XX/XXXX I received a letter saying they had no evidence of my insurance and that they would start charging me!
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX and its been more than 30 days since I heard from results of disputes. Most of all of my disputes are older than 129 days or they are charge offs or they are in limbo and action is not being taken expeditiously
Product: Credit reporting or other personal consumer reports

My information was stolen. inaccurate information on my credit report. name and addresses wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX  as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX XXXX and equifax with no corrections being made. I've filed a complain with the XXXX  and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Product: Mortgage

We were put into a loan model payment plan for 3 months, after paying the last payment my husband was fired wrongful and we could n't make payment which took us out of the loan modification. We won the case with unemployment but it took nine weeks to get any money due. We have hired a lawyer for the wrongful firing of his job but we are in foreclosure because we had no income for my husband, he was also hospitalized for a month during this time.we have tried everything, working a hu d specialist but Wells Fargo will not w ork with us. Please help us keep our home.My husband has a good job and I 'm still working at my current job, we can make the mortgage aymentsvand want to remain in our home. Thanks  XXXX  and  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN  I WE NT ON ONLINE TO GET M Y CREDIT SCORE  THEY CHARGE MY CARD FOR {$1.00} I RECENTLY DISCOVERED THAT SINC E 2016 THE Y HAVE BEEN CHANGERING MY CARD {$24.00} A MONTHLY I CALLED TO RESLOVE THE PROBLEM FOR A REFUNG BECAUSE I WAS UNAWEAR  OG THE CHARGERS BUT THEY ONLY REFUND ME FOR ONE MONTH {$24.00} AND  TOLD THEY GIVE ME THERE FREE ACCOUNT I TOLD THEM I DONT WANT THAT I WANT TO BE REFUNDED FOR EVERY MONTH THEY CHARGER MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to delete inaccurate information from my credit report, despite clear evidence that the information is incorrect. 

The New York XXXX XXXX XXXX XXXX ( account number XXXX ) is inaccurately reporting that I owe money, and they have listed this account as being in collections. However, I have a court order, signed and sealed by a judge, confirming that I owe {$0.00} on this child support case. This court order is conclusive proof that the information being reported by Experian is incorrect. 

I submitted a dispute to Experian on XX/XX/scrub> 2025, along with a copy of the court order, requesting the removal of this inaccurate information from my credit report. However, Experian failed to delete the account within the required time frame, and the inaccurate information remains on my credit report. 

This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must promptly investigate disputes and delete inaccurate or unverifiable information. 

The inaccurate reporting by Experian is causing significant harm to my creditworthiness and personal financial situation. I respectfully request your assistance in ensuring that Experian complies with the law and removes the inaccurate account from my credit report immediately. 

Please let me know if you need further documentation or information to resolve this matter. Thank you for your time and attention to this issue
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }, has violated the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ) by placing this debt on my report without my permission. Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ). Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited. In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.
Product: Debt collection

I am enrolled for health insurance through XXXX XXXX XXXX  ( XXXX XXXX XXXX ), my insurance was changed over from XXXX to XXXX starting XXXX-18. I have spoke directly to XXXX  and XXXX XXXX over this several times and my account is noted and they keep pointing the finger at the other party and telling me I need to correct the others mistakes I was billed for insurance for the month of XX/XX/2018 by XXXX even though XXXX XXXX  changed me to XXXX. I am now going on 8 months and the issue has not been corrected and I have been sent to a collection agency ( GB Collections, LLC XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) for the second time. The first time it was for almost {$2000.00} and now it is {$570.00}.