23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent a dispute through the Bureau of Consumer Financial Protection with the above referenced case number XXXX. Equifax did not in any way investigate the item I am requesting be removed! They sent a credit report with history from my car loan with XXXX, and then also made a statement twice on my student loan history that I disputed that, which I did not do. I have no issues with either XXXX or XXXX! I 'm paying on time and accurately. The item I am requesting be removed or investigated with evidence is a public record with the XXXX XXXX County Court! I have contacted the court and there is n't a record in my name. Equifax did not provide me with any record or documentation! Now, they are ruining my report further by making statements that I asked to investigate XXXX, which I did not do! I 'm beyond furious and disgusted with this company and the result. They should be shut down for fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX  send me a complete report ( attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for XXXX/Equifax/XXXX Consumers form that is on each dispute completion that clearly states that XXXX  provides public record information to credit bureaus. The entire report is 80 pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX https : //equifaxconsumers.XXXX
Product: Money transfer, virtual currency, or money service

I was selling computer on XXXX marketplace and I was notified by potential buyer asking about the item. Asked if I had XXXX and said yes But Ive never used it before. He walked me through it and told me that hes going to send {$2000.00} and to send back XXXX. Due to security of XXXX and not enrolled in business merchant. I did not think it was fishy at the time. So I sent XXXX. And I got an email from now that I needed to send another XXXX. Thats when I realized I was being scammed. I have all his info and the emails supposedly sent by XXXX.
Product: Credit card or prepaid card

somehow a local hotel billed my credit card by mistake for a business associates room. They admitted this was a mistake and would reverse the charge - but have not yet done so. 

The problem is that Chase does not, and will not file a report or dispute on this, dispute the charge not being approved. 

The number given for fraud or to report a charge would only hang up. After 30 minutes trying other numbers I was finally directed to someone who directed me to someone else, who would not file a dispute, and when I asked to speak to a manager, he hung up on
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Experian, I pulled my 3 credit reports and scores recently. My report shows some inaccurate information that I did not authorize. Im referring to the inquiries listed that I did not authorize or provide consent. Im not aware or familiar with any of these listed creditors.

I did NOT authorize the following inquiries listed below. None of these creditors obtained my consent and these reporting inquiries appear to be a violation of my FCRA rights.

Below are the results of inaccurate reporting of my information. Please delete immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Product: Consumer Loan

A couple years after I noticed a car loan on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/year> at XXXXXXXX XXXX. I received a call from a gentleman claiming to be XXXXXXXX XXXX he had informed me that someone was trying to use my account through XXXX to send me money through XXXX The amount that he told me that this person was trying to send me is {$1200.00} And the second amount is {$9500.00}. I then informed him that I do not have gel through this bank and have sales set up through my other banking institution. he had transferred me over to sell first person I talked to supposedly was named XXXX XXXX, his ID number is XXXX. XXXX XXXX had informed me to stop the payment of receiving these two amounts I needed to send codes in the XXXX pop-up window through my account. Me not know how to stop a received payment through XXXX. Unfortunately, I would not be naive to his instructors. I did what he asked me to When that didn't work he asked me to transfer money from another account from that same bank institution that's under my name Attached to the main account then he asked me to do the same process again at that time. It did work He Withdrew money from my account At that time, the person I was talking to and communicating with was XXXX XXXX ID number is XXXX. XXXX XXXX was telling me to do a stop transfer receiving the money of XXXX He was following the same steps that XXXX XXXX had told me to do previously Unfortunately we tried two times, and both times were unsuccessful I got frustrated and XXXX because of my money being gone from the account XXXX XXXX had instructed that I need to do another action similar to the action XXXX XXXX had me do that, in turn, took money out of my account to be able to bring it back into my account That action failed twice That's when I got furious and I XXXX XXXX XXXXXXXX XXXX, and request a supervisor The supervisor that came on the line was named XXXX XXXX. His I.D . The number is XXXX XXXX. The last three gentlemen were claiming to be from XXXX. After the last two unsuccessful transfers to bring the money that they took out of my account to bring it back into my account I got mad and hung up I also turned around and called both my first bank institution, XXXX, And then I also called my second bank institution Capital one I did file a complaint and scam report through them. Here is the phone number that call me to claim that it was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Checking or savings account

I had an escrow account at Fulton Bank for a tenant. ( Fulton Bank XXXX XXXX Bank via the FDIC ). My XXXX Bank statement as of XX/XX/year> says " XXXX XXXX escrow agent for XXXX XXXX '', and my Fulton Bank statement as of XX/XX/year> says " XXXX XXXX '' only. On XX/XX/year> there was a withdrawal from the account for {$330.00}, on XX/XX/year> account was closed and {$100.00} was also removed. The entire purpose of an escrow account is to hold funds for said individual, I never authorized anyone to close out my account. I spoke to the bank XXXX ( XXXX XXXX ) and the banks Consumer Sales XXXX  ( XXXX XXXX XXXX, who both refused to admit that the bank made a mistake. I insisted that they owed me {$430.00}, not XXXX XXXX XXXX. They asked me to fill out an internal fraud investigation form for the bank, which I did. They also suggested I go to the local police dept, to fill out a police report, which I also did. 

Naturally, I want this issue resolved ASAP, and I am getting the impression that the bank is dragging their feet. I asked for email confirmation from them substantiating that XXXX XXXX closed out my account ( I only have verbal confirmation ), they said that they would have to check with their legal dept. Both of them accused me of threatening them, when I explained to them that it was within my legal rights to file a complaint. They do not admit guilt, and more and more I feel I'm being stone walled. 

Their customer service is terrible, and I just want my money back due to their incompetence. To me it seems that when their computer systems integrated XXXX Banks records into theirs a mistake was made. I really don't care the reason for this occurrence, but they are culpable, and I want them to take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on Equifax, XXXX, and XXXX. 


My only name is XXXX XXXX. 



My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX My only employer is XXXX XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file. 


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

on XX/XX/XXXX I submitted a dispute via certified mail to experian noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.
Product: Credit card or prepaid card

I have XXXX XXXX XXXX XXXX credit card with Pentagon Federal Credit Union, where I have scheduled auto payment for statement balance every month in their systems. 

In XXXX, there was a fraud on my account which was automatically identified by Penfed. They closed the existing account and issued me a new card. I verified with them if I need to make any changes to my account, I was told no. 

Today, I noticed instead I am charged interest and when I called them, they said they know the problem but instead of fixing bouncing me back from one person to another.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report from a company I had not requested a loan or credit card from. When I called to inquire about it the phone number had been disconnected.
Product: Vehicle loan or lease

Request for refund under Section 15 U.S Code 1605 Determination of finance Charge.
Product: Credit card

XXXX is not fulfilling their representatives promise. 
Before I applied for a credit card from XXXX i inquired if am eligible for the welcome bonus as i may have the card previously and the terms state that you are only eligible of you did n't have the card. XXXX Representative assured me that i am eligible. I explained that i am only applying if i am eligible and the Representative assured me that i am eligible. This took place in chat id XXXX. 

After i received the card american express denied me the welcome offer stating i had the card already. 

card # XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 7 mos ) - This is not accurate ; I've never used XXXX before in my life. This needs to be immediately removed from my credit report before I take appropriate action and exercise my rights in the FCRA.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and /or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Debt collection

XXXX XXXX XXXX has been harassing this household since at least last year. They are calling for a family member who does NOT live here or at this number. They call from different phone numbers. They have been told the above information but they still constantly call. They hang up on answering machines. I have pictures of the caller ID to prove this. Here is a sample of there harassing calls. From XXXX on XXXX at XXXX and XXXX. From XXXX on XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. They clearly spoof their numbers most likely to avoid being blocked from one number. I do not know what they are looking to collect or if any debt is valid. There is plenty of negative information on the internet about this companies illegal practices. Threatening and harassing this household is no longer acceptable. They are looking for someone that, again, does not live here, and they have been told that endless times. The calls must stop.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Made a payment on XX/XX/XXXX and committed to making another payment on XX/XX/XXXX in efforts to pay the passed due balance as currently the vehicle is sitting over 60 days passed due. I have made the lender aware of the situation but they continue to call me several times a day ranging between 2 and 5 times. I have juat started a job and am currently undergoing XXXX XXXX screenings. I have assured the lender i am going to pay them. Im also dealing with a custody battle and a divorce. I am overwhelmed with life and everytime my phone goes off it gives me an anxiety attack. Them calling me so much is affecting my health and i am having to constantly having to look out my window just to make sure my car is still there so i can make the money to pay them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXXS is not mine ; I am not responsible for this account, I am a victim of ID theft. People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attempting to obtain information about how to pay off the credit card. I have called, but since I no longer have the credit card, I can not bypass the prompt to verify who I am. The credit card is very old as well, so it should not be on my report. I am unable to speak with anyone at Chase ; thus I am unable to get the issue resolved.
Product: Credit reporting 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. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Company name : XXXX XXXX Charge Off as of XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I did not receive a 1099c for me to report this as income. On my credit report its marked as charged off and written off. I would like to request the 1099c and if the company got a tax break on this and wrote it off as a loss I would like this to be removed from my credit report as they did not practice fair reporting or follow the law and violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX Acct- reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 



Dept of Education - - reporting with XXXX XXXX Equifax differently, Date of XXXX deliquency is missing and being reported differently amongst the XXXX experian equifax and transunion. 

Dept of Education - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - XXXX reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having the biggest issue with Carrington Mortgage. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to Carrington Mortgage. Carrington Mortgage charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. Carrington was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. Carrington mortgage keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, someone was able to create a various accounts using my personal information. Im not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Equifax,  XXXX ,  XXXX  remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of  XXXX , this judgment still remains on my credit report. I made a second request to Equifax,  XXXX ,  XXXX  on  XXXX , requesting that the credit reporting agencies remove this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Experian has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also XXXX XXXX has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed thank you