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

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Checking or savings account

Deposits being held for several days which made account go negative several times
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Product: Credit reporting or other personal consumer reports

Checking my consumer report and see that there are inquiries on my credit report that I did not authorize and I want them removed from my consumer report as it is effecting my credit.
Product: Credit reporting

I have disputed these accounts several times. The accounts have been deleted for years and placed back on my report. Here is a listing of the following accounts : XXXX - I have never been late for these accounts ; the accounts were drafted from my account XXXX- Because I was out of work, the insurance that I paid for covered my payments on this account. I filed a claim and had to wait for the claim to process. The company manager and XXXX XXXX Insurance Company Informed this company of the process. I was still charged late fees. 
XXXX XXXX XXXX XXXX -- My car was totaled because of his accident. My insurance company, XXXX XXXX paid XXXX XXXX XXXX XXXX the money owed and the title was provided XXXX. 
XXXX XXXX Account was opened fraudulently. I am not aware of this account number. 
Bank XXXX The account was removed and placed back on my credit report. This account was opened fraudulently. A letter was provided to all credit reporting agencies and I am still fighting for the account to be removed from TransUnion. 
In the State of South Carolina, there is a State of Limitations. The credit reporting agencies are not following the statute of limitation law set forth in this state.
Product: Credit card or prepaid card

We began a dispute with Capital One on a {$2700.00} payment to a business, XXXX XXXX XXXX XXXX, XXXX, FL on XX/XX/XXXX. Case # XXXX. We cancelled the contract with XXXX XXXX XXXX XXXX after they caused damages to our home on XX/XX/XXXX, when removing and installing two bathroom vanities in our home. We obtained an estimate for the cracked new floor tiles and damage to our back door caused by a puncture of removing the old vanities & counter tops totaling {$500.00}. XXXX XXXX XXXX denied the door damages and stated that the cracked floor tile was as a result of the original tile company not laying the tile properly. They denied the chips in two other floor tiles. The payment of {$2700.00} was for the counter tops that were yet to be ordered or received. XXXX XXXX  XXXX stated there would be a restocking fee of {$350.00} for those counter tops ( no one had even been to our home to measure or cut the counter tops ). The contract we signed with XXXX XXXX XXXX contained no language for any restocking fee, either a percentage or the amount of {$350.00} they charged us. When I contacted Capital One about this issue of the {$350.00} restocking fee, the rep in their dispute department said that since there was no restocking fee stated in the contract, we should go ahead with our dispute, we had a good case. I submitted my documentation twice ( as Capital One said they had miscoded the first dispute, so they re-assigned it a new dispute number, XXXX, and stated I had to resubmit everything again, as my original information couldn't be transferred to the new case number. Every time I contacted Capital One '' s dispute department, I spoke to a new representative ; a XXXX, XXXX, XXXX, only to name a few. No one was ever familiar with our dispute and all assured me that they did not want a vendor like XXXX XXXX XXXX, as they misrepresented customers by taking a fee that wasn't written into the customer '' s contract. Yes, we had a solid case to not pay the {$350.00} restocking fee. Oh yes, we were a valued customer, since XXXX, Capital One was working for us, their cardholder. 
The last correspondence I received from Capital One was dated XX/XX/XXXX and basically sided with the vendor, XXXX XXXX XXXX XXXX. We had to pay the {$350.00} restocking fee, so Capital refunded us {$2000.00}, not the {$2700.00} we had originally disputed. My last call was to a XXXX, at XXXX, ext. XXXX, who stated that since we had cancelled the contract, we had to pay the {$350.00}. We cancelled the contract for future work, due to the damages totaling {$500.00}, as XXXX XX/XX/XXXXXXXX would not acknowledge or reimburse us for these damages. Why should we have to pay the {$350.00} restocking fee? XXXX could not or would not address this issue, which was why we began the dispute in the first place. We have never heard from Capital One again, either by telephone or in writing. We are not re-sending all of the documentation again in this complaint as Capital One has two separate sets of it already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Yesterday I got a call from the help desk at Chime ( XXXX ) XXXX stated that I had fraudulent activity on my account and my account was needed to be put on a hold. They requested I sent {$520.00} to XXXX in order for my money to be moved over to my savings and held on a hold until the activity has been resolved. Unfortunately when I called the number back an hour later I was greeted by another Chime employee that told me it was scam and I was not going to be able to get my money back. This is very disappointing as I got called from Chime Financials number and there is no information until it happens to you that Chime will not call first. They need to get their security up and inform their customers about what can happen, this isnt right- I should not be getting called from the exact same number and not compensated for their lack of security.
Product: Debt collection

Debt Co LLC claims that an account was placed in their office by XXXX XXXX XXXX XXXX XXXXXXXX XXXX for an unpaid energy bill ( {$120.00} ) in XXXX of XXXX. Knowing full well that they bought the debt for pennies on the dollar with the intent to bully me into paying them {$120.00}. Then on XX/XX/year> they damaged my credit by opening an account in my name and reporting that I owe them ( {$120.00} ) They are intentionally updating the status of the account as a collection monthly. I will not acknowledge any collection agency nor be intimidated by its bullying tactics. I will only deal with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX  balacnce.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX issued emails identifying 'past due ' report by Affirm. Also received emails from Affirm of past due account. Called Affirm XXXX times ( XXXX ). Results on the first XXXX calls ( XXXX and XXXX ) were that the account number ending in XXXX as well as loan XXXX XXXXXXXX were not valid Affirm accounts. Third call resulted in XXXX finding an account under my email with a different phone number and address. She initiated a fraud alert responsibly. 

I have opened a id theft case with my XXXX XXXX XXXX 's office as well as engaged XXXX to dispute the credit impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a fraud representative and after completing the issue at hand I advised the representative that XXXX XXXX was reporting incorrect balance, the rep stated its not showing a balance but when I review my Equifax.com it shows a {$79.00} balance which has been paid 30 days ago from this date. Also this account causes my credit use to show over 30 % which reduces my credit score.
Product: Credit card

I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX. XXXX XXXX and XXXX 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 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 months that are reported late 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 and 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: Vehicle loan or lease

There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In 90 days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX  calls and a dedicated FB group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders. 
After 90 days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped. 
This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I sent a dispute letter to this company over 30 days ago, notifying them of inaccurate reporting and requesting the removal of this account due to FCRA violations. However, I have not received any response. XXXX XXXX  has a pattern of closing CFPB complaints by falsely claiming their reporting is accurate, despite clear errors. I will not accept a generic response when I have provided proof of their blatant inaccuracies, illegal practices, and FCRA violations. 

The date last active is inconsistent across bureaus, with clear re-aging. There are contradictory late payments, charge-offs, and " OK '' notations between XXXX, XXXX, and Equifax. Additionally, unfair interest has been applied, and there are discrepancies in balances and reporting dates. 

I have attached a copy of my dated and time-stamped dispute letter along with documentation for account XXXX, highlighting the erroneous reporting. I am demanding that this account be removed from my credit report within 14 days due to its misleading and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX ) XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX Acct # XXXX 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices to XXXX, XXXX, Equifax about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.
Product: Vehicle loan or lease

Westlake Financial is reporting inaccurate information on my credit report. The vehicle has been paid off but they are showing a balance of {$5500.00}. Westlake repossessed my vehicle in XX/XX/2019. I spoke with them and made arrangements to recover the vehicle and made an agreement to settle the account for less than owed. As part of the vehicle being repossessed the tow company caused over $ 7k in damage. My deductible was {$2500.00}. I requested additional time to settle the payoff agreement with Westlake. They advised that they would work with me but I needed to make the second payment. I made the second payment towards the payoff. They repossessed the vehicle a second time and voided out the first agreement. They would not provide me with a copy of our settlement agreement. They then tripled the amount that was due on the settlement agreement. I had no choice but to accept the second agreement. The second settlement agreement has been paid off. Westlake is reporting the loan as having a balance of {$5500.00}. They are also reporting failed to pay every month after they charged the account off. This behavior is unacceptable and has been consistent with the way that they operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : 1.Community Loans Servicing, LLC advising monthly amounts {$1700.00} not being reported and 2.XXXX XXXX  amounts {$1500.00} not being reported. I have the letters that was faxed.
Product: Credit reporting or other personal consumer reports

I tried to fixed this account so mant times why still reporting in my credit report? I'm not recieving any response from the bureaus. Please investigate this listed accounts below and remove it immedietely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I keep receiving offers to apply for loans. I have not been able to opt out or stop the unsolicited offers. I have put a freeze on my credit. The last mailing was dated XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have tried to fix this false reporting with Transunion last month and they didn't update the inquiries I had. I need these inquiries being reported to be removed, they are unauthorized. I have attached the letter I sent to them and they have no proof of this error they are reporting. This is dramatically effected my life and has me getting denied for cars and apartments. I am now homeless and carless because of these unauthorized inquires.
Product: Debt collection

I relocated from XXXX, Virginia to Georgia for employment and rented a townhome in XXXX, GA beginning XX/XX/XXXX. On this day I paid the {$500.00} security deposit and pro-rated rent of {$160.00} ( XXXX rent ). I continued to pay my rent on time and in full, totaling {$1700.00} + {$3.00} convivence fee from XX/XX/XXXX- XX/XX/XXXX. As my job was located on the XXXX XXXX XXXX base the daily XXXX hour commute became too much and I spoke with the rental office to express my anguish. I was told that I could break my lease by giving a 30 day notice as well as surrendering my security deposit. I notified the property manager, XXXX XXXX of the intent to terminate my lease mid XX/XX/XXXX ( more than 30 days in advance ). I also confirmed that I understood that I would have to surrender my security deposit of {$500.00}. I moved into my new home with a commute of XXXX minutes to my work on XX/XX/XXXX and completed my move out inspection XX/XX/XXXX ( I have included the move out inspection which shows that I surrendered the unit keys and mailbox key as well as no damages to the unit ). On this date I confirmed that everything on my end was in good standing as I was told that there was an individual that would be moving into the unit and nothing was owed. A while later I began receiving bill stating that I owed on the property. I emailed the property manager to inquire about the fees ( please see email attached ). I was told that because someone else changed their mind I was responsible for paying prorated rent for XXXX. I do not think that is fair as my lease was absolved and I was told I was not responsible for someone else not occupying the unit and voiding their lease. I have reached out to the XXXX XXXX XXXX XXXX XXXX and have been met with attitude and no solution other that " you need to pay it ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and reached out to each credit bureau ( XXXX XXXX ) ( Experian ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.