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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution.
Product: Mortgage

It is too late, ,they went to court already,,, i tried to make it but fell down after finally finding a parking space that was for XXXX on street rather than upstairs in parking lot.

i got the thing delivered in mail that i have 30 days if after the sheriff will come and move me out.

it would help if they gave me 60 - 90 days as i have to find a basement or first floor and someone to move me. i stopped my lawyer after house was going to auction.

I have called and emailed Wells Fargo every day and talked to Foreclosure specialist XXXX XXXX who you have talked too and nothing happened, Thanks for caring. I do not know what to do!!!!! Maybe i will have have another XXXX XXXX and they will be happy cause they will get the house sooner. Don't worry i would never kill myself!!! i am the daughter of XXXX XXXX XXXX ( deceased )
Product: Debt collection

Today XX/XX/XXXX at XXXX after the mail ran. I got XXXX letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and molested XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid XXXX payments toward XXXX XXXX XXXX that I did not get to use. I was XXXX XXXX XXXX XXXX still not able to work nor do I have a car or a way to earn money and do not have enough XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. XXXX XXXX XXXX  The accounts keep coming back as verified and a professional hacker that charges XXXX an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked XXXX times and they have key loggers on my account. I have had to move XXXX times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had life lock used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every XXXX seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for XXXX bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXX XXXX XXXX XXXX and so much more. I want this handled after XXXX years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!
Product: Checking or savings account

I received my Tax return amended I've received its on XX/XX/2022 the check was issued on the XX/XX/2022 I made a checking account online with citi bank. They put my account on blocked and kept my funds. I've called for many days back to back stayed on hold for 3 hours plus just to hear them say call again tomorrow or we can't help you. It's the XX/XX/2022 and I haven't been able to get my money. I received email for my account saying they received my deposit but won't give me my money. The check was for XXXX they gave me the XXXX cents to my account but kept the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Inaccurate information and reporting accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid this debt with XXXX  account resolution years ago and they are still reporting as unpaid on my XXXX credit report. I disputed through XXXX months ago and I even called the collection agency. Still no resolution and it is seriously affecting my credit. I owed {$1300.00}, {$640.00}, {$600.00}, and {$930.00} between XX/XX/XXXX-XX/XX/XXXX. I paid directly through the original creditor which was XXXX college.
Product: Credit reporting or other personal consumer reports

My student load with XXXX was completely forgiven as of XX/XX/2023. It still has not been reported to the credit bureaus as forgiven or paid. I've emailed XXXX and filed a dispute with Experian to no avail. Thank you. 
XXXX XXXX
Product: Credit reporting 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 Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified the credit bureau 's that I am a victim of identity theft and that my credit report reflects some unauthorized inquiries on my credit report. I submitted a copy of my identity theft affidavit along with my dispute and as of today XX/XX/2021 the unauthorized inquiries continue to report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX made negotiation with XXXX XXXX XXXX  without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit
Product: Credit card

BOA responded to my earlier CFPB complaint offering XXXX $ bonus but just gave 1 day to spend. I got letter on XX/XX/XXXX and they gave only time until XX/XX/XXXX. Even then i spent all XXXX $ spend needed but they are not offering XXXX $ bonus as transactions posted on XX/XX/XXXX even though they were spent on XX/XX/XXXX. 

BOA Ticket XXXX can be used as reference.
Product: Credit reporting or other personal consumer reports

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

Since I know that this letter will be sent through an automatic system you have, I will make it brief. You informed me that my disputes were " verified as accurate '' after I provided evidence of discrepancies in the form of FACTS that I directly obtained from my credit report. Given that I'm using the information from my credit record, how is this possible? I believe that after you receive my letters and enter them into the computer, the computer forwards them to the XXXX, and the creditor simply compares what you have. 

It will, of course, be confirmed when you compare your information to theirs! I am aware that you are required to conduct a separate inquiry to verify the accuracy of this information, but I need to see the actual process to make sure you have complied with FCRA laws. Both the paperwork utilized for this independent investigation and a fresh one based on the factual information provided below should be sent to me. 



Below are the following accounts that needs to be deleted or removed as it is being falsely reported on my credit report. 



XXXX XXXX : Account number : XXXX, Each bureau reports a different date of last activity and Repetitive CO marks on this report, remove this account for violation. 

XXXX XXXX XXXX : Account number : XXXX, How can there be late payments on this collection? and How can there be a past due on this collection? Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Please clarify the payment status, comments, balance and account number as they might be erroneous. Delete them from my credit report altogether. 



I ask that you take urgent action to comply with Section 611 ( 5 ) ( A ) of the FCRA, which requires you to " ... promptly DELETE all information which can not be verified. '' I want all of the aforementioned accounts deleted right away. Send me a copy of your most recent, revised credit report indicating the deletion of these items. 


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

To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Debt collection

I have contact Experian on serval times for a contract with my name verify the amount owed they have yet sent me anything in regards to the amount owed or contract with my name. This account has continued to be on my credit report focer 13 years now without explanation. This is definitely against fair credit act. Im asking that this will be fix or addressed quickly and fairly. They are not address this issue just keep coming back with the same thing over and over.
Product: Credit card

Continually contacts me about these accounts ( of which I have 2. I believe one account is a loan and the other is a credit card. There was a final payment made on BOTH of these.. Yet they still appear on my credit report disallowing me to use my credit/card as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted XXXX XXXX to let them know that Transunion was showing that negative mark on one of my XXXX XXXX accounts. Transunion would not give me details about this negative mark and asked me to contact XXXX XXXX. I told XXXX XXXX this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with XXXX XXXX for many many months. I told them this negative mark by XXXX XXXX was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The XXXX XXXX representative could not tell me what they negative mark was and told me to write to XXXX XXXX. I have written to XXXX XXXX ask them what negative mark they put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around XXXX of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of  charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also 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 a purpose.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to my complaints XXXX, XXXX, and XXXX. They're all for the same issue that has not been addressed by Equifax. For each of the past seven years they have failed to provide me with my free annual credit report, as required by law, without making me first jump through hoops that seem designed to deter me from requesting the report. Rather than providing my report online, as the other credit reporting agencies do, Equifax requires me to print and mail a hard copy of a " valid document that shows your name, current address and complete social security number '' to them. I have provided this information to them as requested, in XXXX and again as requested in XXXX. They were able to verify and send my reports to me at those times. It seems unlikely that they simply forgot to update their system with this information each year. This year, in XXXX, in response to my earlier complaints ( referenced above ) they finally mailed my report to me, without my sending them anything. It seems they actually are able to verify my identity when they want to, so there is no need to require me to mail them anything.
Product: Credit card

I have an account with Care credit been paying {$100.00} every month, I finaly owed {$300.00} and was going to pay it all off when i looked in my account care credit charged me {$250.00} interest rate!!! How is that even legal!!!! This company needs to be shut down!!! I was never explained that a 95 % apr was going to be charged after certain month period this is a scam and rip off company, and you cant even talk to a live person over the phone. Dont ever apply for care credit!!
Product: Credit card or prepaid card

Hi my name is XXXX XXXX XXXX XXXX and Im reporting an issue with Apple Credit Card with Goldman Sachs, unfortunately Im this past year Ive been incarcerated because I hit someone for occurrence of a mental breakdown that happened to me because of drugs during my mental breakdown Ive thrown away my XXXX, XXXX and watch that were linked to my XXXX  that I have my credit card, which was XXXX, and because Ive added a lot of features on my account like recovery key and two factor authentication but since Ive spent 2 months in jail Ive lost my number because XXXX XXXX XXXX had canceled, after being released and Ive got a new XXXX and created a new XXXX, tried to contact Apple and they say that I cant use the same credit card on different XXXX and that I needed to close my account and submit a new application for credit card, which would impact on my credit score. 
The main purpose of this complaint is to try to transfer the credit card to my new XXXX, the balance of the credit card is completely paid and I dont have interest to close this account because I have this account for more than and year. It would hurt my credit in a lot of different ways plus the stress of submitting a new application, resulting in more unnecessary damage to my credit score.