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

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX  and Experian has not sent me Validation for account on my report XXXX  XXXX XXXX XXXX Account # XXXX. On XXXX XXXX I sent out a letter for Validation of a account XXXX  XXXX XXXX XXXX on my credit report. One XX/XX/2020 i send out a letter for validation in which they have 15 days to respond showing me how the account was Validated. On XX/XX/2020 i sent out a method of validation follow up with the bureaus and this account remains on my report and i have not received validation. XXXX  could not validate the account and they have removed it from my credit report.
Product: Mortgage

On XX/XX/XXXX, Wells Fargo assigned counselor XXXX XXXX to explain a reverse mortgage to the life tenant and 'supposedly ' all 4 remainderman at residence XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX 2 of the 4 remainderman ( XXXX XXXX and XXXX XXXX ) were NOT present at this location and their signatures on this Counseling Certificate ARE FORGED. 

On XX/XX/XXXX, Wells Fargo assigned XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX No. XXXX, to have the life tenant and 'supposedly ' all 4 remainderman sign the reverse mortgage origination document. 2 of the 4 remainderman 's signatures ( XXXX XXXX and XXXX XXXX ) were NOT present on this date and their signatures ARE FORGED. 

In XXXX, Wells Fargo had assigned XXXX XXXX again to make 'correction ' to the signature pages since 2 of 4 remainderman were under the age of XXXX XXXX in XXXX. On the XXXX 'correction ' documents, 2 of the 4 remainderman 's signatures ( XXXX XXXX and XXXX XXXX XXXX were NOT present on this date and their signatures ARE FORGED. 

HUD, who has been holding the deed, I believe has recognized the above statements and has demanded Wells Fargo to repurchase this reverse mortgage on XX/XX/XXXX. 

I am power of attorney to my father XXXX XXXX XXXX who is the Administrator to my late mother 's estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry on my consumer report XXXX XXXXXXXX XXXX  XXXX ( XX/XX/2022 ) that should not be on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025, I filed a formal dispute with Equifax regarding a XXXX XXXX charge-off appearing on my credit report. In my dispute, I specifically requested full validation of the account under FCRA 1681i and provided supporting documentation.

I explicitly requested : A signed agreement proving I agreed to be personally liable.

A full itemized account history, including transactions, interest, fees, and payments. 
Proof that XXXX XXXX still owns the debt or a chain of assignment if it has been sold. 
Confirmation of whether XXXX XXXX has written off the debt for tax purposes and issued a 1099-C. 
On XX/XX/scrub> 2025, Equifax responded stating that XXXX XXXX had " verified '' the account but failed to provide any of the requested documentation. Their response merely updated certain fields on the account without addressing my request for validation. This is not a reasonable investigation under FCRA 1681i ( a ) ( 1 ) ( A ), which requires Equifax to conduct a proper reinvestigation.

Since Equifax failed to properly validate the account, they are now in violation of FCRA 1681i ( a ) ( 5 ) ( A ), which mandates that any item that can not be verified must be deleted. Instead, Equifax continued reporting the charge-off without providing legally required documentation.

Requested Resolution : Immediate deletion of the unverifiable XXXX XXXX charge-off from my credit report. 
Written confirmation of deletion from Equifax. 
Assurance that the charge-off will not be reinserted into my credit file.

Equifax had ample opportunity to validate this account but failed to do so. At this stage, they are required to delete the item per federal law. I request that the CFPB compel Equifax to remove the charge-off immediately and ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I went to a dealerships to try trade in my car it happen the beginning of last year but I didnt recognize they ran my credit over XXXX times and cause my score to plummet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX  HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS
Product: Student loan

I live in XXXX, Louisiana. The local university due to federal funds has eliminated some degree programs. My XXXX degree in a poverty/low living wage state and XXXX of the most unhappy places to live in the United States. Collegiate education lender 's have hired a preditory attorney debt collectors to garnished my wages. Their fee has been added plus several other debt collectors. The terms is to end year 2021. I am stuck with a useless education, working in a state which provide living wages for a few and I can not pay for the systems traps that they lay for the common people.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Dates associated with item being disputed : XX/XX/2022 -Explanation of item being disputed : The account referenced by XXXX. XXXX XXXX XXXX XXXX is showing as a Collection, however, this account does not belong to me. This account is also not legally in possession of XXXX. XXXX XXXX, nor do they have a right to collect on the supposed debt. I did not receive the mandatory 30 day right to challenge said debt. The Debt Collection License for XXXX XXXXXXXX XXXX XXXX XXXX is described as Pending. As a result, I am currently pursuing XXXX. XXXX XXXX in legal proceedings for this reporting. Please kindly update my report to show the Collection as removed. 

XXXX, Equifax, XXXX has not taken this information and investigated properly. Despite the lack of proper procedure for debt collection, as stated by the Fair Debt Collection Practices Act, by XXXX. XXXX, XXXX, Equifax, and XXXX has not deleted the item from my report. XXXX has only updated the amount of debt on my report based on the word of XXXX. XXXX XXXX. This collection has resulted in my inability to secure financing for a vehicle and for a home. The original creditor is being pursued for punitive damages, as well as gross negligence, despite this, this collection has been placed on my report.
Product: Checking or savings account

My Brokerage account with Robinhood Markets Inc, is restricted although I uploaded my password and verified my identity. I initiated a transfer form my bank account to deposit in my Robinhood brokerage account on XXXX for {$65000.00} and {$3000.00} on XXXX. Those funds took several days to clear. While waiting for those funds to clear I decided I wanted to utilize another brokerage company. As a result I initiated a withdraw transfer out Robinhood on or about the XXXX of XX/XX/2024 but my account got restricted immediately. A message popped up immediately requesting me to upload a copy of my identification. So I uploaded my passport in which it was accepted and that was on or about the XXXX of XX/XX/2024. As of today XXXX my account is still restricted. A message pops up that I can't withdraw money at this moment because you can only withdraw back to the original account. I tried all XXXX of my accounts and the message still appears that I'm withdrawing to the incorrect account. I've made numerous attempts to contact Robinhood 's customer service online but to no avail. Yesterday I waited for a customer service agent online for XXXX before deciding to closing out the window. I'm able to log into my account and see my balance but every attempt to withdraw or contact customer service have failed. The request a call button is inactive. Their phone number is just a recording. No one seem to answer emails. The company 's customer service is a total failure. This company is completely out of compliance. I need my money out or Robinhood immediately.
Product: Vehicle loan or lease

I brought my XXXX XXXX XXXX mother a XXXX. We had everything set put for the payments to come from her bank account. The financial manager fired the lady who was taking the payments out every month. Payments due every two weeks. So they waited 6 weeks to notify me that the payments were late on the XXXX. This is when I got news about the Payments stop coming from the bank. It got so bad that I had to go get the car on XXXX request for a deferred period of payments until I got back on my feet due to the economy being bad for over 3 years now. After I got the XXXX back I was denied that deferred over a 8 Month period. My daughter caught the payments up to just one month if her payment wasn't denied. The financial manager XXXX XXXX stated that she would not accept any more partial payments. I was not going to the end of the year owning her money. I stated to her that I have not caught with my payments yet I have not fallen behind on any of my payments. She stated that I need to give her my bank statements, receipts for everyone I owe money to. Plus she needs my paystub also. She stated to me that I have to prove to her that I been hurting financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.
Product: Consumer Loan

in XX/XX/XXXX i received a auto title loan with Title Max its now XX/XX/XXXX and i am still oweing XXXX on a XXXX loan. this is my complaint, i have comprehensive coverage on my truck and i stated that to them when i received the loan in XX/XX/XXXX but what i have found out is the whole time i have been paying this loan every month never late, they have been add on charges for comprehensive coverage, that i already had and the only reason it come to light is a employee of title maxx brought this to my attention 2 months ago. 
Also because of all the refinances and the high insurance charges, [ when i already had insurance ] the loan cost me more than i expected. 
Also they refinanced the loan XXXX times, i had no ideal what they were doing, I took the loan in good faith, and paid every month, but they did not deal with me in good faith, by repeatedly making me a loans with terms that i could not afford to repay in full, Also last year I ask XXXX of the employees of tile max, could i just come by and make payments before my due date if i had extra money to bring down the loan, i was told no i had to wait until due date of loan, Also last month i told XXXX of the employees at title maxx about all the wrong things that was being done to me in my contract he said to me its to late, i can, t do anything about it now. 
I really need help because i was done wrongly can your company help me? 
also the lady that made the XXXX loan that got me started was fired last year, her and the whole staff for something that they were doing, i founded this out today XX/XX/XXXX. 
I really need your help.
Product: Debt collection

I Did live in the address that im being Charged for. Also I don't know how someone could get service in my name without me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, XXXX and Experian disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and they also have gone against the Public Records Acts Violations and Privacy Act of 1974! I also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the removal of inaccurate accounts from my credit report. Would you mind checking the documents? There are discrepancies in the reported amounts and dates for some accounts.
Product: Checking or savings account

This account was overdraft due to losing my debit card, I didnt know how else to fix it and I also lost my job in the process
Product: Credit card or prepaid card

Contacted Apple Card regarding dispute on XX/XX/2020. On XX/XX/2020 Apple Card email me for additional information and response was given via replying to their email. I contacted Apple Card the week of XX/XX/2020 and was told the dispute is in second stage. On XX/XX/2020 Apple card email me to state the the dispute was no in my favor. I contacted Apple card by phone several time and was told that they never got my email with information that they needed. Apple card also told me that they got information from the merchant that sounded very suspicious, and my request for such information has been denied. My request to reopen the case was also denied.
Product: Vehicle loan or lease

I have had a problem with the company that in financing me a automobile, I made a payment late by 1 day and they have reported the information as late 30 days. The error has been recognized by Ally Financial but they have not taken steps to correct the data and/or adjust or order the adjustment of the information they are providing to the CRA 's ( XXXX, XXXX and XXXX   ), furthermore I am asking that they update my file in accordance with the guidelines set out in the FCBA and the FCRA.

Payment was late by 1 day and they have illegally reported it as 30 days late.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

My information was used to obtain a loan from XXXX without my knowledge. The money was deposited to an account in the name of XXXX XXXX. I spoke and it was agreed that I was not responsible for the loan and it showed a XXXX balance on my credit report. They didn't totally remove it because I didn't want to press charges because I didn't want to ruin the man 's future. The loan was recently sold to DRS I informed DRS of the circumstance and they said they didn't care. How can possibly owe a 3rd party for a debt that was forgiven by the original creditors with no signed application and I never received the funds?
Product: Credit reporting or other personal consumer reports

i have unauthorized inquiries on my credit report i am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported several time to XXXX credit reporting agency and Transunion credit reporting agency that the Account name : XXXX. Account number : # XXXX. 
This account has been reported as part of BANRUPTCY FILLING AND/OR DISCHARGE in court case number # XXXX It is Required by STATE LAW that not payments should be required at any time. 

XXXX credit reporting agency and Transunion credit reporting agency have Violated the State Law and 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.by reporting in my credit file that I own Such a debt. 

XXXX XXXX creditor has communicated with the above credit bureau about this issues with the Account name : XXXX XXXX. Account number : # XXXX. 
But the Credit Reporting Agency Ignores the Law by negligence and continues reporting negative inaccurate information on my credit file.

Violating my consumer rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX has admit that I'm a victim of identity theft I had contacted the creditor multiple times at XXXX and they agreed to remove the Account number : # XXXX from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is PORTFOLIO RECOVERY. The creditor is listed as XXXX XXXX XXXX The account number is XXXX. I sent PORTFOLIO RECOVERY a certified letter requesting documentation and proof that this account belongs to me. USPS tracking shows that PORTFOLIO RECOVERY received the letter on XX/XX/2021. I have not received any correspondence from them. I want PORTFOLIO RECOVERY to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.
Product: Vehicle loan or lease

I had a brand new car in XXXX and in XXXX it got totaled? I was working at the time and I lived in Minneapolis and my job was in XXXX so I would get rides and I would walk to and from work most days? I was walking like XXXX miles to and from work and I have had XXXX XXXX  surgeries and a XXXX XXXX and I did pay for it most days? But I had to do what I had to do because I have XXXX kids, rent, and bills? So I went and purchased a car on XX/XX/XXXX a XXXX XXXX XXXX that was {$14000.00} and my interest was {$15000.00} on top of {$14000.00} so the car came to {$26000.00}? Isnt that usurious? I was trading it in last year but the pandemic was a real pandemic for me cause I lost my job on the same do they shut the country down? XX/XX/XXXX. I didnt have money to put down so I went through this company where they sent me a letter for a car program because I didnt have a down payment or good credit so I had to take anything? The finance company is Credit Acceptance and the first car dealer ship that I had ever went to got sued for pushing through car loans knowingly the customer couldnt afford the payment? I want to trade my car in tomorrow to get myself out of this and I want to be able to be done paying them and not owing Credit Acceptance a dime a being able to purchase my truck tomorrow? Please please please help me?