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

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( 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; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX, XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$120.00} XXXX XXXXXXXX XXXX {$350.00} XXXX XXXXXXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I went to Experian.com in order to get my free annual credit report. I have not seen my credit report for several years and I wanted to check it and make sure the information was accurate. First of all, they said I had to pay {$1.00} for the report. It may be that they were charging the {$1.00} for my score, but I didn't ask for my score, I just wanted my report. They did not give me the option of just getting my report for free. 

Then, they said that I was signing up for a 7-day free trial for some kind of credit monitoring service, and that if I didn't cancel within 7 days, I would be charged {$21.00} per month for the service. 

This is bull! These companies should not be allowed to to require me to pay for my own credit report, and when I pay them their stupid {$1.00}, I should not be signed up for some service I do not want. You need to protect me, the consumer, from being taken advantage of by the credit bureaus. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I did n't give authorization to apply for a credit card with XXXX XXXX
Product: Debt collection

I have requested a Signed contract between me and the so called merchants from XXXX, XXXX, Capitol One, XXXX XXXX XXXX and XXXX XXXX 
I have been physically XXXX since XX/XX/2013, I have not worked and I have been on XXXX XXXX since. I do not have the resources to apply for a credit card. I just found a program that helps XXXX purchase used vehicles and because of this fraud under my social security number, I am having a very difficuIt time. I have my XXXX XXXX letter and timeline of Social Security as evidence.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I tried to open a paypal savings account and it asked me to submit documentation identifying and verifying myself. I submitted that documentation unaware that it was expired because I had not received my new id at the time. When I was informed that the id I had submitted was expired, I tried to rectify the situation by redoing the application over but department at paypal savings told me that was not possible and now because of that mistake, the system tells me I am ineligible for pay pal savings because they couldn't confirm my identity. I want this issue to be resolved because this is a form of discrimination, and because of one innocent mistake I'm being kept from a banking product.
Product: Debt collection

I received a leter in the mail from Portfolio Recovery dated XX/XX/XXXX stating that they were seeking payment for an alleged credit card debt from XXXX. I have no recollection of the account. The letter states that the default date was XX/XX/XXXX. The amount of the debt is listed as {$6900.00}. The first page of the letter states, " The legal time limit ( statute of limitations ) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules require you to tell the court that the statute of limitations has exprired to prevent the creditor from obtaining a judgment ''. It goes on to say, " Even though the statute of limitations has expired you may choose to make payments ''. The letter then goes on to offer various payment options. This alleged debt has not been verified. This alleged debt is also YEARS beyond the statute of limitations. This company has a long and storied history of unethical business practices and I am seeking to have them cease all future contact with me and all efforts to make collection on this alleged debt. I am an XXXX XXXX XXXX widower on a minimal fixed income. The stress of having a collector write to me asking for thousands of dollars is unnerving and unforgiveable.
Product: Credit card or prepaid card

It is a very long story but to put it short and simple. 
XXXX is a airline working with US bank credit card with a rewards program. 

Us bank issued a rewards number that XXXX does not recognize. 
XXXX is now with a new platform XXXX that also does not recognize the rewards number. 

The company claims you are building rewards but the rewards are not accessible not by US bank, XXXX or XXXX. 
I have this problem, my mother and my cousin. 

When I got the card, a year ago, I asked US bank to transfer the points to a rewards number that was recognized by the company, they did once! 
Since then I still have other points that were accrued and earned and they will not allow access or transfer those points.
Product: Consumer Loan

In XXXX of 2014, my family relocated from XXXX to XXXX. In the process of switching bank accounts and payment information, I switched the automatic payment account information with Wells Fargo Dealer Services. Because of a time lag in processing, I missed a month 's payment. Unbeknownst to me, this has been following me ever since. I have autopayments setup and e-statements sent. At no point did I receive correspondence from Wells Fargo that the delay happened, that I was accruing late fees, and that they were reporting to the credit bureaus that I was always a month behind in my payments. It has had a severely negative affect on my score. The only reason why I found about this was because I called them about starting a new loan and the agent caught it. I am now three weeks without resolution from them and I am being charged over {$600.00} in late charges. One agent said that they had been trying to get in touch with me with the old phone number on the account and not the current one that I submitted when I updated my account information. I have followed up with phone calls only to be told that a " manager '' will get back to me. I submitted paperwork to their XXXX but heard nothing. My payment history supports my on-time payment history and how quickly I would have responded in fixing this. Their poor communication and systems management results in the consumer suffering. When I went to get a new auto loan, my score prohibited me from getting a better auto loan rate and I know it was affected by this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my address and add it on my credit report to purchase my home. 
I lost my {$3500.00} in earnest money due to the fact that the address would not allow them to pull my credit file. Im in the process of consulting with an attorney because they Credit Bureau is violating my rights with the federal credit reporting act. I have sent them my drivers license and my ssn card repeatedly with no avail and no resolution. 

I need the address of XXXX XXXX XXXX XXXX SC XXXX to appear on my credit reports as non fraud and a deliverable address to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan # XXXX I have sent the attached document as the official proof of my HAF ( Home Owners Assistance Fund ) program application, quite a few times. I have sent several letters, via my document portal, informing you that I applied for the HAF program. I have called 4 times & spoken to 4 different representatives, verbally informing you about my HAF application. This is very frustrating, stressful, & time consuming. My application status is currently : Pending Approval.

You incorrectly reported to the credit bureaus that my account is closed. It is not. Please correct this status.

For the 3rd month in a row, XXXX XX/XX/XXXX, You all reported to the credit bureaus that a foreclosure sale has started, but that is untrue & illegal. I received an alert about you reporting these this information to Experian. This has continuously & drastically drops my credit score, reports negatively to my credit files & causes me extreme stress. 

Because I have applied for the HAF program XX/XX/XXXX, by LAW, I am protected under for the Mortgage Moratorium, under the DC Law : XXXX XXXX XXXX : This means, a foreclosure can not be initiated nor filed. You are consistently ignoring & breaking this LAW! 

Please correct my credit file. My account should be in OPEN status and all foreclosures are prohibited. 
Please remove the Foreclosure status from my account, as well.
Product: Debt collection

I sent more than one cease and desist letter to OneMain Financial as well as requests for validation of this alleged debt. I then submitted a complaint and they responded. For some reason my CFPB account wouldn't let me change my password as I forgot it, and I am just now being able to log into my account to respond. I had to resubmit my complaint due to it being closed and once I did the CFPB system rejected the complaint. Thats the reason for the delayed response. I spoke with a CFPB representative and she recommended I submit my response differently so it doesn't get rejected. 

Attached is my response to your response explaining why you are in default, this debt is not valid and I am not liable.
Product: Debt collection

COMPLAINT BASIS : I am having SEVERE issues with Collection Companies that have been attempting to collect on debt I am NOT LEGALLY RESPONSIBLE to pay for myself. The debt may have even already been PAID by the ACTUAL Responsible Parties involved. 
MY NAME/ RECORDS should NOT be involved in this debt, regardless. 
The Collection Companies involved have been repeatedly notified via multiple Credit Reporting Disputes & other CFPB Complaints of this situation & REFUSE to correct it. 

Even worse, now, on at least one of my Credit Reports they have actually RETALIATED against me for filing a Fraud Dispute with Credit Reporters & the CFPB against them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company name ( which they themselves may even own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company Name pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically & intentionally ALTERING just the filing date numerals to DEFEAT the Credit Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this. 

This Account is one of these RETALIATORY DUPLICATIONS.

These Companies clearly believe they can VIOLATE US Federal and/or State Regulations at will, & also attempt to RETALIATE AGAINST/ INTIMIDATE CONSUMERS who try to get these Collection Companies to comply with US Federal Statutes XXXX 

Therefore, I am filing a Federal Complaint against the Companies involved, to make the US Federal CFPB & Other Federal Agencies, such as the US Department of Justice, aware of these Collection Companies improper, unlawful, threatening tactics, in order for ALL appropriate Federal Corrective Actions to be ENFORCED against them, so ALL Consumers are protected from these Collection Companies.

I reserve ALL my Rights to also file Legal Action/s with the State Attorney Generals Office & personal Civil Law Actions ( ie. Lawsuits ) as well. 

BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an XXXX ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective stairstep, No Warning Signs, & Lights being turned off. 
The Restaurant involved & their Liability Insurance Company are LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of the Settlement to Avoid Lawsuit against them.

All the Bills were Submitted to these proper Responsible Parties by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer as a result. Why this Bill was not credited paid is due to ERRORS at the Original Creditor involved, who sold the Account. NOT me. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth.
Product: Checking or savings account

Over the past 13 months Bank of America has been feeing this account {$5.00} per month without proper disclosure. As I need to close this account, they will not do it as there is a negative {$5.00} balance due to their monthly maintenance fee. 
Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection on my credit report from Experian. I paid the collection ( XXXX XXXX XXXX ). The collection agency updated all 3 credit bureaus. Both XXXX  and XXXX XXXX updated their system. However XXXX  refuses to update their system. They still have the debt listed as an open collection account. It is not an open collection because the debt has been paid. I contacted Experian and the representaive XXXX told me that they ( Experian ) will not change the status of the collection. He said although it's been paid, the bureau will still continue to report it as an open collection for 7 years. This is an injustice because acording to FCRA Section 623, Experian is supposed to correct information after they were provided proof. I submitted a copy of the letter from XXXX and the collection agency also gave them proof. This is defamation and wilful injury to my credit report by Experian. As a result, I can not obtain credit because their listing of an open collection account is seen as DERRAGATORY by other creditors. I paid my debt/collection and Experian is still punishing me. This is cruel and inhumane. I am asking for Experian to update the status and remove the derragatory mark on my credit report. If the collection is PAID, it should not be reported as a open Collecion. It's not a collection anymore because I satisfied the debt.
Product: Credit reporting or other personal consumer reports

The following companies made inquiries on XXXXTrans Union and XXXX to open accounts that I did not authorize. The accounts were not open so therefore these inquiries should be removed : 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 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 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

Good morning, On XX/XX/XXXX - I unfroze my credit report with Equifax to find that I do not have a report with them that's accessible to lendors or myself. However, when I go in the back way to dispute information I see I do indeed have credit lines reporting but none have been updated since XX/XX/XXXX. I have called and emailed Equifax several times since this has happened and they state there is no issue on their end and have refused to do further investigation unless I send them my personal information via US mail. As they have recently had a data breach, I told them I would not send them this in an unsecured method and but would be happy to submit via secure email, fax or upload. The supervisor refused all three.

As of this morning they stated that my problem is resolved but it clearly isn't and I do not currently have an accurate version of my Equifax credit report that is viewable to me and up to date. This is impacting my ability to pre-qualify for a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Care Credit with Synchrony Bank one time and was approved one time on XX/XX/2022. When I reviewed my XXXX report, it showed three additional inquiries that is inaccurate and should be removed. 

I contacted Synchrony bank on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. 

I contacted XXXX on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from Synchrony Bank stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from Synchrony Bank even though I explained to XXXX that Synchrony Bank is refusing to resolve the matter.
Product: Vehicle loan or lease

I and my Husband had a fraudulent loan with Capital one for a car ( XXXX XXXX XXXX ) that was sold to me as a lemon. The car had a previous warranty due to a recall that was not disclosed unto me A couple of years later the vehicle became disable due to a bad transmission that was part of the manufactured warranty that dealer did not inform me of.The car was repossessed and a balance of XXXX was remaining ( unbelievable ). I received a correspondence from XXXX ( collection Agency ) and they offered me a settlement of XXXX dollars to close the account, however Capital one is reporting on my credit a different balance and is not reporting this agreement. My credit is suffering tremendously. As Capital have been reporting that I have been late I have reached out to them several time and also the credit bureaus to remove this erroneous information but have not received a resolution. I feel that I should not be liable foe this balance as this was a fraudulent loan that had pre existing conditions that I was unaware of