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

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NV, XXXX To : Equifax Dispute Department 1. DELETE XXXX XXXX, XXXX  XXXX because it Unknown and it has been re-aged to stay on my credit report longer. It was reported on XX/XX/XXXX Since then it was updated to XX/XX/XXXX. The company is required to enter a notice of dispute as required by 623 of the FCRA and neglected to enter it within 3 days. Please Delete I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Please Delete.

Included is Equifax Dispute Letter and a copy of my State Id, Social Security Card.
Product: Debt collection

I have contacted DBA Paragon Revenue Group as well as XXXX XXXX on XXXX as well as XXXX to make a settlement due to accounts being listed on my credit report. When I made contact they each told me that they did not see records of these accounts. The amount for one account was {$100.00} and the other was {$140.00}. I am concerned that these are on my credit report inaccurately and that this is a bait and switch situation. 

thank you
Product: Mortgage

Dear, recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Chase Bank. The late payments were reported during a forbearance period when I was not required to make payments. 


I have made several attempts to have Chase Bank correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report is hurting my ability to obtain credit. Thank you.
Product: Vehicle loan or lease

I leased a vehicle in XXXX from GM Financial on a three year lease ( never been late on any of my payments ). I had to return the vehicle i believe at the end of XX/XX/XXXX. I ended up purchasing the vehicle in XXXX of XXXX. After i purchased the vehicle and had another loan with another company which is XXXX, several months later GM Financial started sending me letters stating i owed approximately XXXX for taxes that they paid for local taxes after the transaction was completed after the transfer was complete. They were spoken to on the phone and they were told that i don't owe that money, that there problem is with the town not me. my transaction was complete. GM Financial ended up writing off the Debt. After they wrote off the debt, GM Financial reopened my account on my credit and starting wacking my credit report and is still wacking it with all negative ruining my credit and i had a perfect score.!! They are also harassing me almost every day. Three times now, they called my husband which had nothing to do with the transaction, spoke to him in detail about my issue. He told them specifically not to contact him and they still did. Im sure they have this on recording and he will testify as to such.! My husband is not even on my checking account that writes the checks.! I have also told them i do not owe this debt. I have now had to block their number and they try to call with all kind of crazy numbers trying to get through. On the third phone call which my husband finally obtained the id number of the person that worked at Gm Financial, the woman that worked there actually was arguing with my husband that she had the right to speak with him
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, a surprise adverse account was furnished to the credit bureaus ( Experian, XXXX and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

Company placed debt collection on my credit report in the amount of {$450.00}, however, this debt was never validated within the XXXX days as it is supposed to be. Nor did I ever receive a letter stating that I owed money in order for me to verify and take care of. I want this off of my report.
Product: Mortgage

For starters, I am concerned about the very high interest rate that I 'm currently paying on my mortgage with Green Tree ( 11 % ). I was told that this is considered a predatory loan and since my loan was not originally taken out with them but was transferred without my knowledge or control, I am eligible for a lower interest rate, refinance or modification. Unfortunately, Green Tree has denied each of the said requests. Whenever documents are submitted they conveniently lose them or say that they never received them. Customer service is horrible with this company! I recently submitted a letter of request to have my escrow account deleted as I will pay my property taxes on my own and to date, they have yet to respond or honor my request. I would like information on how I can get out of this loan and refinace my home for the {$43000.00} plus amount that I currently owe at a much lower interest rate and principal and interest.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2023 I was at home on my phone and I got a notification that I send mine to a person I never sent mon to from cash app. I did not loose my phone I have my phone with me and no on has access to my phone. I dispute my charges. Cash app came back with 24 hours and said they investigated and I mad those transactions. This is beyond sad and pathetic I am sure cash app has insurance in their customer when FRAUD happen. They have been on TV about some has hack cash app. They didnt even check my history to see if I had sent money to these people before. They went by they on and never contact be to asked any questions. This has to stop this is not how you treat customers. They dont got help when you call its they same answer over and o er and they will hang up on you while talking. This has to be reported!!!!!! they need to be investigated on!!! That is why I dont used cash app they do not secure their customer!!!!!!! All they do is take money from people, and do not help at all!!!!! I want back the money j had left on my cash app. The above I did not do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They keep denying the claim stating that I didnt tear transaction, and send the same email over and over and over again. They do not send no reason. They need to be investigated on. This should not be allowed to consumer. They need to be close down!!!! They say the same thing over and over and over. This is not right. This is a serious matter and should not be allowed to happen to people.
Product: Credit reporting or other personal consumer reports

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 ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) 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 of 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 file of the reinvestigation; and ( ii ) 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 item ( s ) from my report, immediately : Account : # XXXX XXXX XXXX of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I spoke with XXXX XXXX, 5/3 executive office on XXXXto date she has not sent statements or balance in account and there are duplicate bank errors for fees and unknown charges that she is not credited.
Product: Debt collection

I would like to dispute that I closed and paid off my XXXX account a long time ago. I went into the branch to make sure my account was paid in full and in good standing more than several times to make sure XXXX did their job right, as i have had several issues and/or problems with XXXX charging my account for equipment i did not have and etc. When i recently applied for a loan, they advised me i have a balance of {$350.00} on my credit report from XXXX Which caught me by complete surprise! That is incorrect reporting to my credit report because I have made ALL of payments that I owe years ago. I do not owe anything else other than what i paid already! XXXX has made so many mistakes in charging my account, i 've had to go and have them correct the mistakes often. Today my daughter & I called the XXXX number to have this all corrected, we were transferred more than three times. We spoke to three different associates advising me, one said I owe for early termination fees, one said I owe for equipment not returned and another who said she could n't reference the old account, but said she was talking and/or chatting with customer services said i owe for services rendered. Seems as though none of the associates knew & understood their products and services in doing their jobs. This has been a really stressful process to get this rectified. I feel like they are taking advantage of the senior citizens. ( me ) everyday. I am not going to pay for services that was not provided to me! I cancelled the XXXX services a long time ago, that should have been the end of that. I paid everything owed to XXXX why do they still show i have a balance? XXXX has the worst customer service. This needs to be corrected asap!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX XXXX Balance Owed : {$4000.00} XXXX  XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX Balance Owed : {$120.00}
Product: Debt collection

I have disputed this debt with this company ( Enchanced Recovery Company ) several times. It has been taken off over and over and placed back on my credit report. This company claims that I opened an account on XX/XX/2018, with XXXX. I do not have any accounts with XXXX. I did not open an account with XXXX. Please take this off my credit report. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Prepaid card

Received a new {$100.00} Visa Gift card still in the box. On the first use, it only had {$9.00} on it. After calling in the help line they told me I had to fax my info in. They also make you repeat details you already gave them earlier on the call. They intentionally make it difficult to fix any issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two separate leases with BMW financial and for the length of the period of 36 month paid on time with no late payment. However I was asked to cosign by a BMW employee for a person I referred in and that individual the true owner of account # XXXX allegedly paid their lease twice late, information is still unsubstantiated XXXX XXXX is the registered owner of that vehicle, he drives it and pays for it, I am not copied on any invoicing or don't have access to the account which is in his name. BMW has reported the account twice late and has extremely damaged my credit rating through no fault of my own, I have asked them to revove that false credit information about, but they have maliciously refused. I would like a full investigation to be asked into BMW credit reporting practices and method, to insure they truly comply with the Fair credit reporting act and reasonable, truthful credit reporting practices, they are the only beneficiary of these leases but they choose to damage my credit when it was their sales person that earned a commission and they were able to lease a car by misrepresenting that I was a co-signer only responsible if the car is stolen, damaged, or repossessed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX, XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXXseveral inquiry date XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, these fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires