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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$160.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$160.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$4100.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$450.00} under the account number XXXX, and a personal credit card account opened at XXXX on XX/XX/XXXX with a balance of {$21.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge offs, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I typically receive my deposit into my capital one accounts by Wednesday evening or Thursday morning. It is now Friday morning and there is no deposits still. I have no information on when this will be resolved. Its causing me stress and its making struggle to pay for necessities like food and XXXX  needs. I think the bank should take full responsibility and be required to give financial compensation to its customers. Where is our money?!
Product: Debt collection

I paid off a XXXX XXXX XXXX XXXX and Sensible auto continues to place bad remarks on my XXXX. XXXX and XXXX have already removed Sensible auto from my credit report but XXXX refuses to remove it after I showed proof of the car being paid in full via 1099C back in the year XXXX.
Product: Checking or savings account

In XXXX of XXXX  my joint account holder sold items to a private entity that was agreed upon by buyer and my wife over multiple days and phone conversations, as well as XXXX. We have tracking information, text messages, and inventory list of items that were sent to buyer. When buyer received the items, she texted my wife calling her names and saying that she would contact her back about my wife scamming her. My wife ended communication with this woman. She reported to XXXX that she didnt make these transactions or reported that she did not receive any items. Apparently we still dont know. On Friday XX/XX/XXXX I attempted to use my debit card at the post office, and my card was declined. I called my credit union and was told that my account was frozen because I had been found to have engaged in fraudulent activity. I was told that I needed to close my account. My rent money was in the bank and scheduled through XXXX, I was unable to I had no place to send my rent payment. Luckily I was able to pull the money out, but with no bank account the rent was late and a XXXX late charge and returned check fee. I was never asked anything about this accusation prior to the freeze. They still have not responded to our many requests for clarification on what grounds they have to do this without notice. I sent in documentation as they requested. They were had 15 business days to respond to the appeal, which was completed and sent in on XX/XX/XXXX with supporting documentation. They have not responded. This has caused detrimental consequences to our lives and we want answers. We do NOT want to bank with them ever again! They should have protected us. At least asked us what the situation was. They threw us to the wolves,
Product: Credit card

I entered into a settlement agreement with Sears by phone on my credit card account in the amount of {$1300.00} to be paid on or before XXXX/XXXX/2015 to settle my account. I received a written confirmation of our agreement by mail per my request ( attached ). I paid the agreed upon amount {$1300.00} in full by phone on XXXX/XXXX/2015 ( well before the due date ) and was told that I could call and request a zero balance letter after 15 days. 
I received a XXXX statement from Sears showing my XXXX/XXXX/2015 payment by phone, but still charging me the remaining balance on the account and interest charges as if the account was not settled. I called and requested a zero balance letter, but have never received XXXX. Next, I received an XXXX statement from Sears showing yet again that I have a balance, a late fee, and interest charges. I obtained a copy of my credit report from XXXX, and it shows that my Sears account is closed but not settled, and it also shows that Sears is continuing to report negative credit information about me to the bureaus. I have n't received a copy of my XXXX statement yet, but it again shows a balance due, more interest charges, and another late fee. 
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement.
Product: Debt collection

I am writing to dispute the late payment days and negative status associated with the following account on my credit report. This account is inaccurately reflecting late payments, and I believe there was a mistake on the bank 's side. The bank has acknowledged this error and has agreed to my request to rectify it as a goodwill gesture. Account Information : XXXX/XXXX  XXXX  Date Opened : XX/XX/2018 Balance : {$0.00}. I understand that accurate reporting is crucial, and I appreciate your prompt attention to this matter. Please conduct a thorough investigation, and if necessary, contact the bank to verify the information provided. I trust that you will make the necessary corrections to ensure the accuracy of my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit card or prepaid card

I have an equitable interest in the discover card I was discriminated against I was sought out because I spoke against their unfair practices which I have a case pending with you all currently they took my money no check cut no limit raised after 12 months of ontime payments they simply cut off my card they didnt accept a payment that brought it current suspended payment authorizations that were securitized in which they cant prove. This is just very wicked that they illegally shut down my account I will be taking them to court as well seeking monetary relief They are about to damage my reputation on my credit report which messes with my credit utilization and defames my character as someone that cant manage debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX they was charging me for a business account, which I had no business and they was telling me that they wasnt able to give me my money back. They were only able to do one transaction so I went without the money and they kept the rest.
Product: Vehicle loan or lease

On Thursday XX/XX/XXXX. 2025 I was informed that my social security number didn't match the one on my credit report. I was told it was due to sheffield financial reporting the wrong number, I contacted the company and they refused to accept the proof of the correct ssn, so I am unable to get any loans from any other establishments.
Product: Credit reporting or other personal consumer reports

I previously reported the account showing on my credit report as XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>, as an item not recognized or owned by myself and it was removed from my report. You all responded that it was not reporting on my account on XX/XX/year>, so it should no longer be listed as an item on my report today. There was no further authorization made by me for this item to be added back to my consumer report and I do not authorize or consent to having this item listed on my report. The previous request to block or remove was not made in error and was recognized as such by you all when you removed it from my report previously. I subsequently also contacted XXXX XXXX XXXX to validate the account which they were unable to provide validity of the account that they are reporting on my account. They failed to provide any documentation in which I have the legal obligation to be held liable for the account, the purchase of a charged off account does not obligate me to have any legal bindings with them or have this item listed on my consumer report.
Product: Debt collection

I have a company by the name of XXXX XXXX attempting to collect on a debt ( s ) that arent mine and that Im not aware of. I went on the website and theyre 2 different accounts listed for me that I have no knowledge of ever having. One is for XXXX XXXX through a XXXX XXXX and trust and for a XXXX XXXX XXXX. One reports on my credit report and the other one does not. This is an error. The amount reported is {$710.00} and last reported on XX/XX/XXXX. Also theyre are payments that are listed on the website for XXXX XXXX for XX/XX/XXXX for 2 different amounts, one for {$55.00} and one for {$69.00}, neither of which were paid by me. I need some validation and for these accounts to be closed and removed from my report because they do not belong to me and I have had no communication from this company regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXX opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXX-Date opened XX/XX/XXXX ; NAVIENT XXXX Balance $ XXXXDate opened XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2013 I VOLUNTARILY SURRENDERED A XXXX XXXX XXXX SEMI BACK TO THE LEASING COMPANY THE TRUCK HAD BEEN PREVIOUSLY WRECKED, NEVER SHOULD HAVE BEEN SOLD I PAID THE COST TO RETURN IT TO LEASING COMPANY THE TRUCK WAS REMARKETED AND SOLD ALL BALANCES WERE PAID IN FULL I HAVE DOCUMENTATION SHOWING {$0.00} BALANCE PAID IN FULL EXPERIAN SHOWS IT AS REPOSSESION AND MISSED PAYMENTS ALL OTHER CREDIT BUREAUS SHOW VOLUNTARY SURRENDER AND ALL PAYMENTS MADE.. {$0.00} BALANCE PAID IN FULL AND REMOVED AS A CLOSED ACCOUNT REPEATED REQUESTS WERE DENIED BY EXPERIAN TO RESOLVE THIS MATTER I'M ASKING TO HELP RESOLVE MY CURRENT CREDIT DENIALS DUE TO THIS ONE CREDIT REPORTING AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX and Experian has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I am writing to you hoping that you may help me with my problem. I have been trying to solve this matter for quite a long time without any response from Chase. I live in XXXX and it is difficult for me to visit The Chase facility at XXXX XXXX. 

My problem is that I have been trying to tell the banking personnel that I cancelled my safe deposit box service 16 years ago and Chase is still charging me for this service. Last year, I sent a letter via XXXX to XXXX XXXX XXXX, explaining this situation ( I enclose a copy of this ). Nevertheless, recently Chase sent me again a communication in which they are charging me for the service. 

I also tried to reach Chase personnel many times by phone but it was useless. 

I hope that with you I have the chance to solve this once and for all. 


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

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian co has placed wrong information on my report which is invalid and refuses to remove this wrong information and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.
Product: Credit reporting or other personal consumer reports

LCI has a bankruptcy listed on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I was directed by XXXX XXXX XXXX to contact Starmart, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. Starmart rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XX/XX/XXXX the account would be removed from my Credit reports. 

However, what has happened is XXXX has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in May n my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation.

Starmart know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.
Product: Mortgage

I started my loan modification in XXXX of 2024, PHH Mortgage company who is servicing the loan with XXXX. PHHXXXX has been so difficult to work with they have given me the run around for the past 5 months. Several times I've had to upload Financial information and saying documents weren't signed on the paperwork. Phone call, after phone all agents say the same thing, if so frustrating. One of the biggest struggles is with the language barrier of the customer service or relationship managers. They we'll never let you speak to a manager or supervisor and I feel like they just read off a script of what they need to say. I've gone round and round with this company and they are doing nothing to help.They just keep pushing things back to buy them more time and In return pushing me back further behind with payments. The last phone call and I spoke to supervisor and I explained my entire situation. I even told her that I would be willing to make XXXX payments of my mortgage and she said I have to do the unpaid balance. How is this legal for them to deny payment from me. Also, question when Owcen sold my loan to PHH and then in return went to XXXX why did they not send documentation sign from me as the customer. 
Just trying every way possible to get some resolution from these XXXX mortgage lenders in helping me out. They have the worst customer service, they give you emails and then never respond to you. I don't know how that's legal when it's on their documentation. On my denial for my low modification they gave me information that does not even pertain to helping me in my mortgage loan again how is that legal. If I could just at least get some answers here on from the company or from this review or to see how they're willing to help. Homelessness is a real thing and I'm a single mother of a XXXX son who's been in my home for XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The Credit Bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX XXXX Reported : XX/XX/XXXX + {$34000.00} Needs Attention XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100000.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX  and Equifax for quite awhile but have had the same problem   XXXX    and Equifax will not add that I have   XXXX   XXXX   XXXX   on my account. They keep updating information from  XXXX  even though  XXXX  was paid off and  XXXX  balance.  XXXX   XXXX   XXXX  has contacted them but they keep insisted that they keep  XXXX  on even though it have been 7 years that I have had  XXXX  on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only   XXXX   XXXX   XXXX   and to remove  XXXX  and   XXXX   XXXX   of  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Capital One Account # XXXX has violated my rights. 

XXXX5 USC 1681 Subsection 602 : States that I have the right to privacy.

15 USC 1681 Subsection 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.
Product: Debt collection

They have reporting inaccurate, and unverifiable items to the credit bureau. I have sent them a letter over 45 days to show the proof of how this came about, and they have refused to contact me regarding same.