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

Ive been in communications with ( XXXX, XXXX and Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Product: Credit reporting or other personal consumer reports

I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX XXXX XXXX, account number # XXXX, is not complete nor is it accurate. 

XXXX XXXX XXXX XXXX  account number # XXXX, is reporting the payment history incorrectly as well as inaccuratelyreporting the last payment date.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX both of these numbers have called myself and my family members asking about my whereabouts about money I owe, acting to be collection agencies but give a different name and call from different numbers then threaten to have me arrested if I do not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.
Product: Vehicle loan or lease

I financed a truck through credit acceptance unknown to me my interest rate and payment for the car was XXXX for a XXXX  XXXX truck. The vehicle has since been repoed and they sold the truck for XXXX and now I have been served paperwork they are suing me for XXXX. I cant afford legal counsel and need to know my rights.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXXXXXX XXXX XXXX and back in XXXX of 2022 I bought a table set for XXXX XXXX It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of 2022 when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my report.
Product: Credit reporting or other personal consumer reports

I created a XXXX XXXX XXXX account in XXXX. The account shows on my credit bureau correctly. However another account appears in XXXX. Someone uses it to add money to a secured card and use it. I reported it to XXXXXXXX XXXX XXXX and to my bank as fraud. Then bank eventually stopped funding the transactions, when we couldnt get any where with customer service on closing the account. Both my XXXX account and my XXXX account the identity thief had access to. They used this account to fund the XXXX XXXX  that was deleted for fraud. This account does not belong to me, even though they charge my real bank account until I could figure out what was going on and place a block with the bank to stop it.
Product: Credit reporting or other personal consumer reports

Experian Thank you for accepting my complaint Re : Request for reinvestigation 1 Because of inaccurate information on my credit report for the 4 charge off accounts ( XXXXXXXX XXXX XXXX XXXX accounts and XXXX  ) I requested and investigation around XXXX XXXX 2 Despite receiving a notice from Experian that the investigation of these four charge offs were complete, I still have inaccuracies on my credit report 3 Please make sure that the information from the Credit Reporting agencies matches the account information from the providers 4 Since, I still have inaccuracies on my credit report, please do a more thorough investigation that includes more than simply asking the so called data furnishers 5 Please call with any questions 6 I have included a copy of my drivers license and social security card Thank you for your time Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I booked a rental space through XXXX on XX/XX/XXXX to have old friends get together again for {$640.00}. Prior to our arrival the space had a horrible odor, everything didn't match the photos the host posted on XXXX. There were a lot of fingerprints on the TV and glasses ( plates and cups ), thick dust, extreme dirt, the couch was damaged and tears, one of my group friends got really sick from XXXX due to dust and odor, there are few on the list. I reported XXXX about this situation and sent photos for evidence purposes and they found the policy and house violations against the host. They recommendedthat I file a dispute charge through Discover credit card company because the host refused to refund when XXXX requested the host to do so. I contacted Discover on the phone with XXXX to file for dispute and she said she can not be able to help so I filed a complaint through XXXX and got a response from XXXX through XXXX that he can not do anything to solve this matter. 

Keep that in mind, I used my stage name known as XXXX XXXX XXXX on XXXXXXXX account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions unfeasible. CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 XXXX out of XXXX 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. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX DUE XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX
Product: Mortgage

I bought my property in XXXX, my first mortgage was to XXXX and my second to ( XXXX ). The second mortgage disappeared and did not contact me for several years. In XXXX Trinity Financial, LLC, appeared on my loan and proceeded to collect payments. Trinity was charging about 12 % rate and they increased the principal balance from {$120000.00} to {$230000.00}. I started looking for assistance at XXXX XXXX XXXX XXXX ( Nonprofit HUD approved ) ( They modified my first mortgage successfully ). I started a loan modification with Trinity, and I was applying with HAMP. I summited all required documentations and Trinity reviewed the paperwork. Trinity declined the loan modification, while in the process of a loan modification they sold my property. I appealed the decision and they never responded to my request. During this time, I continued to make payments on my first loan. Trinity continued the foreclosing my property with notice. I contacted XXXX XXXX in XXXX, CA to file chapter XXXX. She dismissed my case without my knowledge. I am assuming that some arrangements were made with Trinity. I also, hired a second attorney XXXX XXXX in XXXX XXXX, CA. He filed another Bankruptcy XXXX, Mr. XXXX advised me that my property was protected due to the Bankruptcy. I have been trying to contact my attorney Mr. XXXX for months and he has disappeared. In the process of the BK Trinity sold my property to them self. I kept making payments to my first mortgage without the knowledge that my property was already foreclose. I was never notified by Trinity nor XXXX that my home was foreclose. I learned recently that Trinity has given my property for XXXX value. The company that Trinity gave my property is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. I WAS NOT ABLE TO FIND BUSINESS LICENSE ON THE ABOVE COMPANY. I am assuming that Trinity creates fraudulent companies. Trinity started to post Notice of Quit on XX/XX/XXXX and another notice on XX/XX/XXXX. My goal is to keep my property. I bought this home from my parents and have spent all my life living. My children have been raised here and it means everything to us. I am willing to negotiate a fair payment with the purpose of keeping my property.
Product: Credit card or prepaid card

Hello, I had a 12-month promotional plan through an Arhaus Archarge Comenity account. I had {$1100.00} remaining balance that I needed to pay by XX/XX/XXXX. Due to the pandemic, and reduced funds, I had to move around money and needed funds to clear. On XX/XX/XXXX, I paid {$1100.00}. Because I was one day late and {$52.00} short, this resulted in a {$1700.00} finance charge! 

I've been a loyal customer -- spent over {$10000.00} in one year, always paid on time and almost always paid more than the minimum amount. When I called the company, they said while they can waive late fees, they're unwilling to budge on the promotional charge. 

I find this charge extremely misleading. I should be able to designate online how much of my payments should be applied to which promotional plans. Instead, the company decided this for me and then charged me an outrageous fee. 

For example, on XX/XX/XXXX ( XX/XX/XXXX statement attached ), I made a payment of {$1000.00}. 

Comenity split up the payment by applying {$20.00} to a promotional plan due XX/XX/XXXX, {$250.00} to a plan due XX/XX/XXXX, and {$720.00} to a plan due XX/XX/XXXX. This wiped out the balance of the XX/XX/XXXX plan when I had 3 more months to pay off the balance. 

If I had been able to designate how to apply the payment, or had they checked with me ( the paying customer ), I would've instructed them to apply the highest amount to the highest balance, which is the plan they later charged me a {$1700.00} fee for!
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.
Product: Checking or savings account

I checked online and saw that my account with Wells Fargo was charged off and closed I had no idea it would happen nor did I receive a call nor any notification for the amount of {$320.00} bank does not contact nor write nor advise client of closing account. The last I tried to transfer the money to the account pending a deposit I was directed to a department that just apologized and said we were not aware we did not send notification but yet they are ruining their customers by not doing the proper steps not one call not one notification nothing was mailed no correspondence from bank whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a charge off in XX/XX/XXXX with a balance of {$11000.00}. This charge off and balance continued to be updated with the credit bureaus every month with the same balance of {$11000.00}. However sometime in XX/XX/XXXX XXXX began reporting a higher balance of {$12000.00} and continue to update this balance every month since. Why did the balance change. Where in the original contract allowed for XXXX to increase the balance with some other fees? Attached are copies showing the balance reported in XX/XX/XXXX at {$11000.00} and XX/XX/XXXX showing the balance reporting higher at {$12000.00} I am also betting the CFPB blocks this legitimate dispute to help protect a massive fraud by the financial industry - the CFPB is literally obstructing justice and my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by Transunion and XXXX, while XXXX reported it as a credit card account. Moreover, TransUnion reported a {$0.00} monthly payment, while XXXX and XXXX did not disclose it. TransUnion and XXXX also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

The XXXX XXXX XXXX XXXX does not belong to me.
Product: Money transfer, virtual currency, or money service

My CashApp account has had its identity verification check showing as pending since XX/XX/XXXX when I deposited {$25.00} in cash and converted it to XXXX. Ive made multiple chat requests to Cash App support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to escalate the issue but my identity check is still pending preventing me from sending the crypto I purchased in the account.
Product: Vehicle loan or lease

The car I had with this company was a total out car. The insurance company I had and the gap coverage that was on the car paid the vehicle off. It's a closed account, so why are they still reporting on my credit? I don't owe them anything. The insurance company and Gap paid what I owed on that car.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, defamed my character and caused undue stress : XXXX - XXXX, XXXX XXXX - XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Debt collection

Dear Sterling Incorporated, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify its accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
Product: Vehicle loan or lease

I have rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of 2022 XXXX  illegally repossessed a vehicle I had with them. Mechanics bank then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Product: Mortgage

Bank of America added between {$30000.00} to {$40000.00} to my mortgage back in 2011. They claim I did a modification but yet never signed or agreed to anything. The time they are claiming I did this I was working XXXX in XXXX. When asked for documentation proof they had none. Now my family and I are harassed every month. We are sent a package every month from Bank of America with paperwork dated 2011 to sign for a loan modification. Then a few days later they send someone to our house even on Sundays they come by. They take pictures of our house and sometimes are vehicles. I never sign anything especially since it was not something I agreed to. I have also had to block their number from calling since they call consistently. They normally demand I send money to them for the modification but the last package offered me {$500.00} to sign. They owe me at least {$30000.00} not including finance charges for what they added. I owe much more now on my principal than what was financed. This can not be legal.