23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an inquiry alert on my credit report from Midland credit management on XX/XX/2021. I contacted midland on XX/XX/2021 and they didnt have my correct social and couldnt locate an account. I have no ties to midland nor did I authorize a hard pull on my credit. I believe someone has stolen my information and is using it to attempt fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

all not mine fCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$5600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$260.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$600.00} Highest Balance {$740.00} Terms NA Payment History
Product: Credit card or prepaid card

On XX/XX/2021, My credit card was closed by Wells Fargo Bank, the bank do not indicate any reason. And the reward account link to that card goes to XX/XX/XXXXafter closing, there is no way to redeem all the rewards.
Product: Credit card or prepaid card

Hi : In XXXX 2017, my dog had a serious illness requiring immediate XXXX. The vet suggested that I finance the operation with Synchrony. I applied for the card and received credit and have been making payments. 

I asked about the terms both with the Vet and Synchrony but they did not emphasize or mention that if I did not pay off the balance in six months that that I would be back- charged interest for the six months which had been discounted. Silly me for not reading the fine print, not even sure I saw it before I was approved and paid the vet. When they did this, it caused my account to go over the credit limit causing a large decrease in my credit score about the same time I was trying to refinance my house. 

I asked them to raise the credit limit a little to solve the problem but they declined saying the reason was because I was over the credit limit. This is a classic Catch-22 and just nonsense. This was a scheme that is designed to mislead. I have fallen for these a couple of times in the past which is why I do n't generally sign up for merchant cards. I just missed it this time because of the circumstances.
Product: Credit reporting

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX TRANSUNION XXXX TYPE OF BUSINESS BANK DATE OF XXXX XX/XX/2021 TRANSUNION XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 TRANSUNION XXXXXXXX XXXX XXXXXXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX TRANSUNION
Product: Vehicle loan or lease

My car was repossessed yesterday with Acura Finacial Services. I sent over all information requested and have the full reinstatement amount they requested around {$3100.00}. They refused payment although I tried to pay the full amount the same day within my 10 day period the law requires them to give me. I was affected by XXXX and have been on and out of the hospital even though the website says the offer ectentions to those affected I was told after my deferment they could not help since I was pass due. Acura is not the lien holder on my coverage so a court order should have been needed I was sold my lease vehicle with liabilty which I can provide proof of they broke the law. I tried to return the vehicile 9 months back and change my contract to what they promised me but they forced me to keep the vehicle threatening returning it would ruin my credit so I kept trying I have proof of this as well .I text and a XXXX review from 9 months ago this was a retaliation! I have small children and am sick I missed 2 doctor appointments after they took my vehicle. I have since contacted my insurace and filed for full coverage although when I purchased the vehicle it was not needed according to the Director XXXX. I called 6 times yesterday and was denied to reinstate. I would like to pay and keeping my car or have a write off completed and this completely removed from my reporting due to Acura not being the actual lien holder upon my agreement and contract signing. I now have an attorney please help as well.
Product: Credit reporting 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 a 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

RE : Dispute of Incorrect Information on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to dispute inaccurate information that has recently appeared on my credit report. Specifically, XXXX XXXX has reported an account from a previous XXXX account with a last activity dated XXXX, now showing as open. This reporting is incorrect and potentially a violation of federal statutes governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, accurate reporting is mandatory, and the collection accounts should not be reported incorrectly as open after a significant period, especially once the debt is beyond the statute of limitations for reporting ( 7 years from the date of first delinquency as set under 15 U.S.C. 1681c ). 

The original delinquency date was in XXXX, and thus this account should not continue to affect my credit report or score as of XXXX. Furthermore, this issue may involve " re-aging '' of the account, which is not permissible. 

I request that you investigate this claim and remove or correct this inaccurate account, as it negatively impacts my credit report unjustly. 

I am also forwarding a formal complaint about this matter to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect credit report entry and the potential violations by XXXX XXXX as per

15 U.S.C. 1692g of the Fair Debt Collection Practices Act. What I find interesting is XXXX XXXX  open this collections in XX/XX/XXXX ; however, XXXX was just removed off of my credit profile as of XX/XX/XXXX. 


Thank you XXXX
Product: Credit reporting

Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent XXXX + XXXX to a counter top business that utilizes cash app. The next day I sent the remainder balance for a total of XXXX XXXX the business never supplied material for home I contacted authorities andthe detective on my case has filed a felony charge against the individual XXXX XXXX. I contacted cash app and supplied police report contract as well as my bank and my funds since have not been returned.
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 violation the 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, and I seek appropriate redress for these violations.
Product: Credit card

Without notice, Citibank has stopped producing monthly statements when there is no new purchase posted despite the account having a balance due.
Product: Credit reporting or other personal consumer reports

please delete unauthorized inquiry XXXX XXXX XXXX (Bank)
XXXX XXXX 2023
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to a large data breach of Equifax. My information was obtained and used online to create multiple fraudulent accounts in my name. I have continuously tried to contact the original creditor, the collections companies, and the XXXX major credit bureaus. I have filed an identity theft report with the Federal Trade Commission which has been sent out to the companies above. There are XXXX fraudulent accounts on my report and numerous errors throughout the report including my name and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX XXXX. Last activity XX/XX/2017 XXXX. Last activity XX/XX/2017 XXXX
Product: Debt collection

Debt sold to debt collector who then sold debt to XXXX XXXX XXXX. No written communication received regarding this debt. Attempted to set up payment plan with XXXX but the company refused the biweekly amount I was able to pay. XXXX recovery then called my husband in attempt to reach me regarding the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint ID XXXX dated on XX/XX/2022, I XXXX XXXX XXXX XXXX, have notified the Credit Reporting Agencies XXXX XXXX Experian, that the Inquiries that is currently being furnished on my Consumer Report is FRAUD and is IDENTITY THEFT and XXXX XXXX XXXX XXXX XXXX willfully and knowingly and intentionally broke Federal Law and Refuses to remove such FRAUD Inquiries AFTER Ive notified XXXX dated on XX/XX/2022 that the Inquiries is Unauthorized use and Identity THEFT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!!!!!!!!!!!! 

CFPB, this why its important you continue to sue the Credit Reporting Agencies, such as XXXX, Experian, XXXX, because theyre going to continue to violate Consumer Rights and break Federal Law and shall be held accountable and prosecuted for their criminal activities. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX employees willfully and knowingly and intentionally broke Federal Law Title 15 U.S. Code 1681s2 ( 6 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

Being that XXXX XXXX XXXX XXXX, Experian, has willfully and knowingly violated Federal Law and failed to remove such Identity Theft Inquiries, I will file a lawsuit against XXXX, Experian for willfully and knowingly violating my rights and Federal Law, and Fine the Consumer Reporting Agencies {$100000.00} ( PER VIOLATION ) for noncompliance under the Gramm-Leach-Bliley Act with prejudice!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and notice i had fradulant accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid two to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. Toyota has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX Toyota tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from Toyota and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Product: Mortgage

I was applying for a refinance of my Ditech FHA loan. I wanted to get cash out. The refi was with Ditech. I was strung along for over XXXX weeks. They kept telling me everything was good and not make the XX/XX/XXXX payment. I asked over and over again. They told the loan was good to close and about a week before started asking me for all these things that they needed. XX/XX/XXXX the day before closing they said the loan was not approved. Still have to pay my XX/XX/XXXX payment eben though I have a email saying that I dont. THEY ARE LIARS.
Product: Mortgage

I am filing a complaint today because I feel that they submitted a late payment on my credit report for something that was their fault and not mine. 
This started after I was XXXX XXXX XXXX XXXX and placed on XXXX XXXX  XXXX last winter. I had lost 2/3rds or my pay and I was struggling to make my payments. I had to take my Mr. Cooper Mortgage loan off of automatic payments because I was not getting my income regularly as before and not near as much. I was able to maintain my payments, but was late in both XXXX and XXXX with trying to recover from this incident. When I got back on my feet I decided to put my Mr. Cooper account back on automatic payments. I used their app to set this up in XXXX. I found it in XXXX that there was a late payment for XXXX on my account and got it caught up right away. I called Mr. Cooper about this and explained that I set this up on their app for auto pay and it didn't work and now it's on my credit report, and they said they would look into it, but nothing happened. I called and spoke with someone again and was told that the late payment was correct and there was nothing they can do because of the law and I explained that this was their fault. I understand that although I was injured and had issues outside of my control that both XXXX and XXXX are my fault, but the late payment in XXXX was an error on their part. I would like to purchase a house soon and this is a big deal concerning a VA home loan. I filled several complaints with the XXXX XXXX  XXXX but the only response I received was there records show no payment was submitted, which if it didnt work it probably wouldnt show it in the first place. They apparently sent me emails about the missed payment, but as I informed them I have been getting spam email from the at least every other day so I dont get relevant emails about my account because I am unaware of it..
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive dispute inquiries that were made on my report fraudulent trying to obtain credit. Ive sent Equifax a update police report from two county where my personal information has been used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting my identity theft report regarding fraudulent accounts still appearing on my credit report. I have already informed Experian that these accounts are a result of fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account starts with XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX has reported a sprint account that was open and closed same day it went to collection. dropping my score XXXX points. i have never owned a sprint account. EVER. this has hurt my lively hood. I have tried to dispute. this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the account, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong information is on my credit report. Ive tried reaching out to Equifax and report my identity theft and it will not let me. It even has the wrong name for me. It says formerly known as XXXX XXXX. Ive never been known by that name. My credit has fraudulently names and addresses. Someone stole my passport and social security card. And in 2018 I had my car stolen with my drivers license and social security card stole. Ive had fraud for years and I didnt know it until recently. Please help me. I cant even get a freeze or fraud alert as it says its u available.
Product: Debt collection

The debt is not validated. I have attached the summons as well as the collection letter from Patenaude and Felix, a debt collector.
Product: Vehicle loan or lease

My sister and I inherited irritated my mom and dad 's trailer park. My dad passed away in XXXX my mom passed away last XXXX. We have XXXX mobile homes and its been a struggle getting them in our names. XXXX mobile homes are showing liens on them. The three mobile homes also were purchased through 2 banks that have changed names and or gone out of business. 
These 3 homes are over 30 years old. We just need titles so we can retitle them in our names. The taxes have been paid for the last 30 years by our mother. When my sister became the executor of the estate in the state of Va. The homes went in our names where taxes are concerned. But DMV its a big mess. I have VIN numbers, models and sizes of homes. I have contacted FDIC they helped me locate the banks that have the liens but noone seems to want to help. 
I can't talk to a person everything is automatically sent to online automation. 
So here is the information : : XXXXXXXX XXXX XXXX XXXX VIN number XXXX The original bank was : XXXX XXXX XXXX XXXX XXXX in XXXX Va. Address was XXXX XXXX XXXX 
FDIC told me the bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX XXXX. 

Second mobile home : XXXX XXXX XXXX number : XXXX The original bank was XXXX XXXX XXXX XXXX XXXX 
This bank changed its name back in XXXX to XXXX XXXX XXXX XXXX XXXXXXXX. Address : is the same XXXX XXXX XXXX XXXX VA XXXX. 
The Bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX 
XXXX The 3rd mobile home : XXXX XXXX, VIN number XXXX. 
The original bank is XXXX XXXX XXXX. In XXXX Va. 
The bank that took over was XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Out of XXXX NC.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Synchrony Bank ( XXXX ) regarding a refund check that I was supposed to receive XXXX months ago. 

In XX/XX/2023, a refund check of {$670.00} from XXXX XXXX that i financed through Synchrony Bank was being sent to me. However, despite many calls to customer service for months, I still have not received it. Every time I call, Im told the same thingthat the check is on the way and to call back if it doesnt arrive. A matter of fact, i was informed that the first check was actually sent out address that didnt exist and that the next XXXX checks they sent out were sent to the right address. This has gone on for months with no real resolution. 

I have asked multiple times for proof that the check was actually issuedsuch as a tracking number, check number, or mailing confirmationbut I have not been given any clear answers. At this point, I need this issue resolved immediately. 

I am asking that Synchrony Bank either : 1. Provide documented proof ( check number, mailing date, and tracking information ) that the check was issued, OR 2. Reissue the refund and send it using a trackable, expedited mail service.

It is completely unreasonable for a refund to take this long, and I feel that I am being given the runaround instead of an actual solution. If this isnt resolved promptly, I will have to consider taking further action.

I appreciate your help in getting this sorted out.

Requested Resolution : Either provide proof that the check was sent or reissue the refund immediately.