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

On XX/XX/year>, I checked my credit report and Experian has placed someone else 's social security number in my file. I have never given them the social security number they have in my file and it says that you can't dispute or change it.

They have two accounts reporting for one account for XXXX XXXX XXXX XXXX XXXX and it gives a negative outlook. XXXX say i owe {$810.00} and they illegally stole/repossessed my car and sold it. Ignorant XXXX! 

They allowed a dismissed case XXXX XXXX to be placed on my report which is not mine and the company owes me.XXXX. I have disputed this information, and they haven't removed it.
Product: Credit card or prepaid card

XXXX XXXX from Comenity said my accounts would be adjusted and come to a fair resolution for the issues that Comenity has had for the last 8 months. 
XXXX XXXX from Comenity has decided to negate everything that was supposed to be adjusted and demanding I make a payment now instead of working with me. Threatened that my accounts will be charged off. 
I have been dealing with Comenitys horrific payment systems for the last 8 months. They tried blaming me for their issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, dear Madam, dear Sir, Back in XXXX, my credit card with Chase reported a missed payment. 
Now that I am looking for financing for a house for my family it's causing an issue. 
Hence, why it's coming up now. 
I have tried calling Chase multiple times over the months of approx. XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote them a letter in XX/XX/XXXX and now have even visited them in the bank just on XX/XX/XXXX in XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, asking them to fix the mistake. 
There were enough funds in my bank account to pay for the funds and it's been the only, the very only missed payment showing up for the duration of almost XXXX years I have been living here in the XXXX and there's a mistake here. 
They come up with different reasons, explaining they can't look back that far, they think it wasn't a technical error, even though they say they can't look that far, it will be gone shortly although they can't confirm when. The reasons vary and are non-sensical. 
There's mistake been made here and I kindly ask for your help here to get this fixed. 

XXXX to Chase, XXXX XXXX  and Bank statements showing sufficient funds over the relevant months in XXXX are attached. 

Thanks very much, With best regards, XXXX XXXX
Product: Debt collection

To whom it may concern, I am being charged twice by a company which is attempting to collect a debt. They said I did not pay a bill to XXXX. I had been a long-time customer with XXXX and I gave notice to cancel my car insurance some time around XX/XX/XXXX in XXXX prior to moving to XXXX full time. To my knowledge, after cancelling with them, I never received any further bills from XXXX. 

On XX/XX/XXXX I received a notice from : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX ( they dont answer their phones I left many messages explaining I never received a bill. 

Since I live in XXXX, I did not want to hassle with this nor did I want anything to effect my credit rating in the states so I and went ahead and paid {$69.00} ( which is what they claimed I owed ) on XX/XX/XXXX. I used my XXXX XXXX XXXX. They cashed it *see below and then, they recently sent me another notice to pay them the same debt. They sent that notice on XX/XX/XXXX. 

This is what appeared on my XXXX bank statement DescriptionTypeAmountXX/XX/2018Online Payment XXXX To Jonathan Neil & Associates , Inc XX/XX/XXXXBill payment {$69.00} I do hope you can help me. 

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

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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 find unapproved inquiries on my report
Product: Credit reporting or other personal consumer reports

On my credit report it states my oldest account is XXXX XXXX XXXX yet this account is XXXX XXXX XXXX and I'm trying to establish my length of credit history
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with my credit report. Upon reviewing my recent credit report, I noticed that my auto loan is not being reported on my files with your bureau. 

Details of the auto loan are as follows : Lender : XXXX XXXX , LLC Loan Account Number : XXXX Loan Amount : {$45000.00} Date of Loan : XX/XX/year> Date Paid in Full : XX/XX/year> I have attached documents from the lender that provide proof of the auto loan and confirm that it has been paid in full. These documents include the loan agreement and a letter from the lender confirming the final payment. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The absence of this auto loan from my credit report is a matter of concern as it does not accurately reflect my credit history and XXXX affect my creditworthiness. Under the FCRA, I have the right to dispute incomplete or inaccurate information in my credit report, and you are required to investigate my dispute within 30 days of receipt. 

I kindly request that you update my credit report to include the details of this auto loan. Please confirm receipt of this letter and the supporting documents, and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

AMEX, specifically XXXX, XXXX or XXXX has been calling my work, my sister-in-law 's business looking for me. I am making payments on time. I have spoken to them and told them not to call me at work. Yet they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
Product: Vehicle loan or lease

XX/XX/2020 my westlake financial loan company keeps calling me making threats cause my monthly payments are late and behind do to not being able to work during the pandemic period and I keep begging them to lower my payments or lower the final payoff. I have always made previous payments on time and in full, also made over payments when I was able to. Now I get calls being bullied by customer service to the point where I breakdown and cry. I'm out of work and i just want to not keep having late charges and paying more than what is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not opened a XXXX XXXX account with Barclay and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from Barclay dated XXXX XX/XX/2022 determining I am not responsible for the charges. 

Barclay even sent me check for fees charged as a result of the error they made. Barclay is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the three credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters.

This isn't the first time Barclay has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against Barclay if they do not swiftly correct their intentional mistakes.
Product: Credit card or prepaid card

I have many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 1..This card was a sears card and was transferred over to a shop your way mastercard from XX/XX/XXXX.when XXXX closed and went bankrupted. 2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 3..After many disputes with CFPB, XXXX, equifax , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. This was a business decision and there was no opt out option for our customers. Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit ''. 4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 6..Because XXXX lying behavior.they claim they arent affliated with XX/XX/XXXX but indeed they are.Please see attached dispute responses from XXXX. 7..XXXX and XXXX credit card is/was XXXX and so is Shop Your Way mastercard. 8..On XXXX XXXX, i called citbank reference number XXXX, and XXXX cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 9..XXXX closed my account that i did not ask for 10..XXXX is lying This is reporting on all credit reports asXX/XX/XXXX Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that XX/XX/XXXX would not produce. Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and XXXX. They too have been unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX Credit Reports Equifax & XXXX  Account NOTE XXXX  XXXX opened *XX/XX/XXXX ( partial account ) # IS IN TRUTH account # XXXX see attatched XXXX date XXXX 1099-C CANCELLATION OF DEBT on a VISA/MSTR Debt. All Visa 's begin with the number ( 4 ). See attatched EQUIFAX XXXX Credit Reports. NOTE account XXXX a mastercard number ( 5 ) account opened XX/XX/XXXX IS IN TRUTH see 1099-C account MSTR/VISA DEBT XXXX CANCELLED DEBT XX/XX/XXXX. The XXXX accounts XXXX & XXXX ( BOTH WERE CANCELLATION DEBT XX/XX/XXXX account XXXX ). Both XXXX  & Equifax " VERIFIED '' accounts are ID Theft case XXXX. HOW COULD THEY BE VERIFIED? XXXX  & Equifax & XXXX are in violation of FCRA Federal Laws.  SECTION 611 & SECTION 609.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

Cash app data breach. And account being charge a couple of times.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute regarding inaccurate items on my credit report with Equifax and supporting documents to back up my claim. They updated my account with inaccurate information
Product: Credit reporting or other personal consumer reports

The company violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) : Failed to conduct a reasonable investigation of disputed information after being notified of errors.

15 U.S. Code 1681i ( a ) ( 6 ) : Did not provide results of the reinvestigation within the required XXXX time frame.

15 U.S. Code 1681i ( a ) ( 7 ) : Failed to provide a description of the procedures used during the reinvestigation to determine the accuracy of the disputed information.

15 U.S. Code 1681e ( b ) : Did not ensure maximum possible accuracy of the information in my credit report.

15 U.S. Code 1681i ( a ) ( 5 ) : Neglected to delete or modify unverifiable or inaccurate information identified during the dispute process. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MINES XXXX  XXXX XXXX XXXX NEVER LATE ; INVALID ACCOUNT NUMBER SELF XXXX XXXX XXXX XXXX XXXX  XXXX NEVER LATE ; INVALID ACCOUNT NUMBER XXXX  XXXX Inquiry XX/XX/year> NOT MINE Employer XXXXXXXX  NOT MINES Despite notifying the company of these errors and submitting supporting documentation, no corrective action or adequate explanation was provided. The continued inclusion of inaccurate information is damaging and unlawful under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Equifax and XXXX regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.
Product: Credit card or prepaid card

I have twice been issued a XXXX XXXX credit card by Chase ( XXXX and XXXX ). In both situations my application was approved, I was sent a credit card and then the account was closed before I was able to make any purchases on the card. When I called to question the decision I was told they would not be able to disclose reason for closing the account. 

I also opened a joint checking account ( with my spouse ) in XXXX. They also closed this account and refused to disclose reason for closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

EXPERIAN : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Product: Debt collection

This is the third time that Convergent Outsourcing Inc has placed the same collection on my credit report, both XXXX and XXXX. I have taken it off twice. They called asking for social security number and I would not provide. I contacted XXXX the supposed creditor. They informed me that I had no collection or account with them and that the information being provided from Convergent Inc was false and that I should not pay. Since this is the third time they have placed the collection on my credit report, I am having a difficult time removing it. When I notified them what XXXX said they did not do anything unless I provided my full social security number. I gave them name, address, phone number, but did not give them my social security number. I am in the process of fixing my credit and this false collection has lowered my score XXXX points. I am tired of dealing with the same collection agency over the same collection that does not exist. Please do something. The guy on the phone sounded annoyed I would not provide my Social Security number.
Product: Debt collection

XXXX is reporting false information regarding an alleged account they claim I gave permission to set up. The Customer Name listed at the top of the Service Agreement is not how I spell my name. This Service Agreement was signed on XX/XX/XXXX, however the signature on this Service Agreement is not my signature. This is not a valid contract. I did NOT sign this document. It was signed fraudulently. I never gave permission to open this account, nor requested an account be setup with XXXX. Consequently, this account has been sent to Enhanced Recovery Company for collection. Please see the attached letter dated XX/XX/XXXX from ERC regarding the XXXX Account XXXX. This negative reporting will hurt my credit score and I do not want this item to be falsely reported on my credit report.
Product: Debt collection

I submitted a dispute to Enhanced Recovery for a XXXX XXXX account. ERC responded to my CFPB complaint and stated they verified the account and mailed supporting documentation to me on XXXX/XXXX/15. I have yet receive such documentation. Without proper validation of this debt, this TL needs to be removed from all XXXX of my reports immediately. My next step will be the Attorney General 's office.