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

On XX/XX/2022, one of the credit bureaus made an error by adding a hardship inquiry ( XXXX XXXX ) was added on to my file, which made my credit score decrease by XXXX points!! 

The inquiry was removed on XX/XX/2022 without restoring my credit score by adding XXXX points back to Mt score so it is XXXX once again. 

XXXX is what my fico was before Experian added by mistake, a hard inquiry and failed to restore XXXX points back to my credit score. 

Experian made this mistake, so I expect Experian to do the right thing and restore my credit score from XXXX currently, back to my original credit score of XXXX. 

Please see attachments as proof their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter to experian on XX/XX/XXXX disputing negative items that dont belong to me have not received anything back
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened my Wells Fargo Business Checking account on XXXX in a local branch ( in North Carolina ). When opening the account, I registered with a {$500.00} new account promotion ( using a personal promotion code : XXXX ). The promotion required a {$2000.00} deposit / balance in the account for 60 days and 5 debit card transactions. The {$2000.00} deposit was posted on XXXX and the debit card transactions were processed on XX/XX/10. It has been more than 60 days since completing all required bonus terms. I have contacted Wells Fargo online support multiple times and they have been unwilling to assist. I have contacted my local Wells Fargo branch multiple times to drive resolution - each time I have been told I will receive a call back but never do. I filled out a " Missing Incentive '' form with a phone agent on XX/XX/10 and still have not received my {$500.00} bonus. I find it very misleading that Wells Fargo dangles these promotions to small businesses and then does not follow through, no matter how hard you try to get them to fulfill their obligation. I am happy to share a copy of the bonus terms with the CFPB or Wells Fargo ( uploaded as an attachment to this case ).
Product: Debt collection

Marcadis Singer, PA in XXXX, FL is trying to sue me for {$35000.00} for a debt I don't owe. I have no connection to the complaint and are alleging fake and false statements. This company is harassing me.
Product: Debt collection

My vehicle was XXXX XX/XX/23 I was told I owed XXXX for XX/XX/XXXX I couldnt make a payment til XX/XX/23 I offered the XXXX the said not enough I offered {$800.00} they declined saying I owe repo charge and my car wasnt repo as yet i asked verify debt since that day XX/XX/23 its been roughly a month no verification letter but was sent a bill yesterday wit late fee charging and they never validated debt prestige breach the peace tricking me threatening me and over charging me for a debt Im not responsible for to prestige
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$240.00} XXXX XXXX XXXX Opened XXXX {$530.00} XXXX  XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  XXXX Closed on XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions these accounts are from identity theft
Product: Credit reporting or other personal consumer reports

I asked the credit bureau 's to do a verification that everything was correct across all XXXX  credit bureau 's for a collection bill. The original creditor is XXXX XXXX XXXX XXXX  for a amount of XXXX dollars that's in Collections after the dispute. They told me that there were changed items but never removed it off my report when I researched myself. I found inconsistencies across all XXXX credit bureau 's and believe this should be removed due to the inconsistencies, as well as the fair credit act saying it must be Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}
Product: Credit card

Called to Fix 0 % not applied in the beginning Called to fix auto payments not working Called to fix specific amount payments not working
Product: Payday loan, title loan, or personal loan

Kay jewelers erroneously reported 30 day late for XX/XX/2020 which was due to covid19 disaster. I didn't receive payment voucher, tried making pmnts online and via phone all with no avail due to their staff shortage .... Later, Kay stated they were NOT going to report any lates, however they did .... It has damaged my credit and this late is not due to my fault or negligence. Kay jewelers was supposed to follow CARES ACT rules and regulations and NOT report this as derogatory ...
Product: Mortgage

I attempted to pay my mortgage via the companys online payment system as they have been instructed previously to not contact us. The online payment system was not working so I was forced to call them. They then refused to take my payment and instead berated me for not being able to pay on the XXXX of the month even though I wasnt even 30 days late. I simply wanted to make my payment and begged them over the phone to please just take my money and they refused because they want to make the payment go late so they can foreclose on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX- Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

We canceled multiple Warranties that were included in our loan. Apparently we continue to be billed for one of the canceled warranties. I have contacted Toyota Financial on four occasions to remedy this error on their part and have been told each time that it has been corrected. The amount of {$460.00} plus XXXX in late charges continues to appear on my monthly statement. On XXXX I talked with a manager, I believe her name was either XXXX or XXXX, who again assured me the issue had been remedied. Today XXXX I talked with XXXX agent Id XXXX and he found the notes regarding the XXXX conversation.
Product: Bank account or service

On Thursday XXXX/XXXX/2016 I was traveling for work. There was a billing error at the hotel I was staying at and a hold was placed on my Chase account fro my business hotel stay. I addressed the charge w/ the hotel ( {$1000.00} ). The hotel immediately issued a credit and gave a confirmation/authorization number of XXXX. 

I then contacted Chase Bank to ask them to release the funds based on the reversal of the charge. Upon making the request the bank denied to remove the authorization stating that it will automatically fall off after XXXX5 business day turn-around. 

I had the confirmation number so I asked if that could be expedited. I was transferred to a second department and was privy to a " behind the scenes '' conversation as the XXXX reps talked about my account and situation unaware that I was conferenced in. 

While hearing the XXXX reps discuss the issue I overheard that this was not going to be approved because I did n't maintain a high enough average daily balance. This argument did n't play for XXXX reasons : XXXX. I had a representative from the hotel explain the situation and give the verification number for the charge reversal. This alone should have been enough for Chase to allow access to funds XXXX. I have a $ XXXX overdraft protection account with Chase so even if the funds were given and the charge still went through, they have offered protection for just such an event I spoke w/ too many employees to count and prob lost my cool once too many times, however today is XXXX and I just received a call from a manager named " XXXX '' who called for the express reason of telling me that my request could not be honored. I asked him again to explain and he cited " Government Regulations ''. I asked for what regulation he was referring too ( I am not aware of any regulation that keeps banks from allowing access to proven returned funds ) XXXX could not site any regulation and when asked to escalate the call he refused stating that there was no one else to talk too. 
I am sure that XXXX did have a manager and that XXXX manager could look at the situation and make an exception based on the entire situation. Instead the entire organization turned a blind eye to an account that had been cleaned out by error and a flat out refusal to assist even when the facts indicated no reason not too.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again on XX/XX/XXXX I sent Transunion a handwritten certified letter in regards to four accounts listed below. In the letters I requested Transunion send me verifiable information namely the original contract signed by me, in according to the ( Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. ) XXXX -- XXXX XXXX XXXX -- XXXX XXXXXXXX/ XXXX -- XXXX Each time Transunion has returned my request with no original contracts only a summary stating Verified and lastly Updated. Neither is what I requested in my letter to Transunion. Nor did they offer an explanation of their verificatio XXXX method. My request is simple either Transunion offer me the original contracts of these 3 accounts or in turn remove them from my credit report just as XXXX did. 

Thank you for your assistance in this matter.
Product: Student loan

MOHELA transferred my loans to a different servicing site ( XXXX XXXX. In doing so they changed my due date, turned off autopay, lost my payment details, and then charged me late fees for the situation that can only be of their own making. In attempting to contact them the wait times are unreasonable ( 5-10 hours ) and I've been transferred between agents and dropped more times than I can count. The inbox that they set up on their website conveniently only retains records for 2 months ... making it impossible to gather the evidence required to support any claim of their wrongdoing. This company has been an absolute nightmare to deal with. Knowing that they are the XXXX who sued the US government arguing loan forgiveness was illegal makes this level of unsatisfactory service more anger inducing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in information through Lending Tree on XX/XX/2020 at XXXX XXXX. I clicked on XXXX XXXX  2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I  used this chat feature on XXXX XXXX to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to XXXX XXXX  and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on Lending tree and XXXX XXXX. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!
Product: Debt collection

I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of XXXX with original balance of {$350.00}. when they decided to sell it to this XXXX company they decided to put it as a new collection that just open XX/XX/2016. I 'm trying to fight this collection because its not a recent one and the information is not correct
Product: Debt collection

This debt is not mine and I have filed an Identity Theft Report with the FTC. I wish to have this debt, Wakefield & Associates, removed from my account. I have attached the report. Please follow FCRA guidelines regarding reporting fraudulent activity to the credit bureaus.
Product: Credit reporting or other personal consumer reports

i ask that this be removed off my credit report immediately
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my XXXX XXXX, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my XXXX. This is not a mistake or a misrepresentation. These transactions were included without my XXXX XXXX XXXX XXXX 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to XXXX or XXXX the situation in any way. My intent is solely to ensure that my XXXX XXXX  reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with Experian, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX XXXX  failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Money transfer, virtual currency, or money service

I made a purchase from XXXX with my paypal account for {$69.00}. After making the purchase I found that the retailer had lied about its location. XXXX said they were a US online retailer located in Utah. After making the purchase and processing my payment with PayPal I discovered that had been a lie and that the company is XXXX in origin. I immediately alerted PayPal and requested that my payment be cancelled. PayPal denied my request. I went to check my order status from XXXX and XXXX gave me a phishing/fraud alert for that site. I refiled the complaint with PayPal including the screenshots and was again denied a refund. Today XX/XX/2020 I have not received my purchase and when I tried to check the retailers website it no longer exists. I have again refiled with PayPal for a refund and informed them that I have also filed a complaint with CFPB. My paypal case number is : Case ID : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; 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 DEPT OF ED XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On [ XX/XX/XXXX ], I discovered a XXXX credit card account on my Experian credit report that I did not open. This account has also resulted in an incorrect address being listed on my report, an address where I have never resided. I believe this account was fraudulently opened using my personal information. 

I contacted XXXX fraud department on [ date ] and informed them of the fraudulent activity. I requested that they close the fraudulent account and provide a letter confirming its closure and removal from my credit report. Despite this, the account remains on my credit report, and I received a notice from Experian stating that the information was verified, which is not accurate. 

Additionally, I am disputing the following items on my credit reports with the major credit bureaus ( Experian, XXXX, and XXXX ) : XXXX Credit Card Account : Account opened fraudulently. 
Resulted in an incorrect address being listed on my report. 
Despite providing documentation of the fraud, the account and incorrect address have not been removed. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00} This collection account is inaccurately reflected on my credit report. I have no knowledge of this debt, and it does not belong to me. 
XXXX XXXX XXXX  : Reported a XXXX late payment. 
This account does not belong to me, and I have no knowledge of any late payment on this account. 
XXXXXXXX XXXX XXXX Account : Account opened fraudulently in XX/XX/XXXX. 
The account was closed with a balance, which does not belong to me. 
Despite providing documentation of the fraud, this account has not been removed from my credit report. 
Despite my efforts to resolve these issues through direct disputes with the credit bureaus and contacting the companies involved, these inaccuracies remain on my credit reports. These fraudulent accounts and incorrect information are significantly impacting my credit score and financial well-being. 

Actions Taken : Filed a dispute with Experian regarding the fraudulent XXXX account and incorrect address, which was incorrectly verified as accurate. 
Contacted XXXX fraud department to report the fraudulent account and requested its removal. 
Filed disputes with Experian, XXXX, and XXXX regarding the XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  30-day late payment. 
Filed a dispute with Experian, XXXX, and XXXX regarding the fraudulent XXXX credit card account. 
Provided supporting documents, including an FTC Identity Theft Report, an Affidavit of Fraud, and proof of my actual address, to all relevant parties.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review.

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a FAFSA loan and when signing up for an account it says my SSN already in use, and showing I had a student loan during period of time that I was XXXX. Also missing stimulus checks that were paid to direct deposit while I was XXXXXXXX and I never received.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion is fraudulently reporting an accurate identity theft across all three consumer reports from XXXX XXXX is fraudulently reporting different reports on all 3 of my Consumer Reports this is Identity Theft and fraud. 
There are different dates and amounts across all 3 reports this is unlawful Reporting and violates my Consumer Rights. DELETE these accounts immediately and update my Consumer Reports today. XXXX XXXX