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

There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXXl - reporting on my Equifax report XXXX - XXXX - reporting on my XXXX  report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was involved in a car accident and my vehicle that I was still financing was totaled out. Called the finance company let them know and gave them all the information for my claim. I had full coverage insurance on the vehicle but not GAP insurance. Called the finance company to check and see if they received the check from the insurance claim and they stated they hadn't in XX/XX/XXXX. I spoke to a Supervisor in XX/XX/XXXX stated to call the insurance company and have them trace the check. Checked with the insurance who sent me a letter stating the check had been cashed. Gave the correspondence to the Supervisor who stated that the check was in another account in a different state with their company cause no account number was on the check. Supervisor stated once they found the check they would add the funds to my balance and close the account so we could settle the remaining amount. Called back every month until XX/XX/XXXX and was told by a rep they had received the check back in XX/XX/XXXX. They continued to report the account as past due and sent me emails stating that I was up for repossession of a vehicle I no longer have. I called and asked for a supervisor in XX/XX/XXXX to see why the account hasn't been closed and why they had still been billing me since the vehicle was reported totaled. They stated there was nothing they could do and they were going to continue to bill me instead of calculating my final balance so we could settle. I had a warranty on the vehicle through the finance company as well and they never credited that to the balance as they stated. This has caused my credit to decrease and represents a negative report. I have disputed this with all 3 credit bureaus but nothing has changed. They are stating I owe them over {$10000.00} which is not correct. I will never lease with American Credit Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number XXXX XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I sent Experian a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX holds the note only, as most banks. Therefore, this account and account number does not match any of my records. I have no idea of who the original lender is which is worrisome. 

I have not received anything from XXXX XXXX XXXX in writing nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. Experian continues to report this erroneous account without proper investigation in which I have repeatedly expressed.. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.
Product: Mortgage

We filed a complaint with CFPB against XXXX and on XX/XX/2023 received their reply. This response letter doesnt fully answer the concerns of our complaint truthfully, although it does admit to mistakes and errors on XXXX XXXX answers to us previously. Please see attachment of XXXX Response letter. 

XXXX. Once again. We are attaching the letter from Rushmore Servicing that states on their very own letterhead that the investor is XXXXXXXX XXXX XXXX XXXX for XXXX Asset Backed XXXX XXXX clearly contradicting their response that XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX is the investor. However, now on XXXX XXXX XXXX response to XXXX is that they could not find this letter even though it was included in the attachment of the complaint and they should have easily been able to find the letter and answer honestly to the multiple investors names given to us. We continue for a truthful explanation when they look at the attachment of the letter we have helped them find. 

XXXX. XXXX continues to overcharge our account legal fees of which demand a line item of all legal fees, maintenance fees and other fees which they never ever give a breakdown of each line item as requested and continue to just provide a meaningless spreadsheet that provides no information on it that we requested. 

XXXX. Lastly, XXXX XXXX continues to state that a Foreclosure Sale has been put on hold. There is not even a Foreclosure complaint with the NJ Courts that has begun and we will strongly defend against, for them to even claim that a Foreclosure Sale is imminent and the intimidation and harassment they are employing is causing great stress and mental anguish.
Product: Debt collection

I had a credit card with Wells Fargo when to a tough situation then i try to settle the account and they wont take any mere payment on this account they toll me they are doing a XXXX on the collection but the balance still showing on my credit report i will like for the account to said closed at zero amount I am fixing my credit
Product: Debt collection

On XX/XX/2022 the full invoice amount of {$170.00} was sent to XXXX. This payment was the exact invoice amount per the fedex invoice received. On XX/XX/2022 a call was made to Transworld Systems INC stating that the debt had been paid. 

On XX/XX/2022 XXXX XXXX made a call to Transworld Systems Inc and was informed this was a debt fee and not the debt itself. This debt was disputed on the phone but no physical record of the result was sent to XXXX XXXX. 

On XX/XX/2022 a new letter from Transworld Systems inc was sent to XXXX XXXX ( XXXX # XXXX ) stating that {$25.00} was due. 


No payment was ever made through Transworld Systems and this fee is excess to the original debt that was already settled. 

In addition, XXXX was called on XX/XX/2022 and they stated the account was fully paid already.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, XXXX # XXXX, Mortgage Capital Associates, Inc. XXXX XXXX XXXX. 
Changed the lender credit to {$500.00} from {$1500.00} for the HUD statement from the title company before closing on a 15 year refinance. This is a {$1000.00} drop from the last updated disclosure. 
They were slow in setting up an appraiser, did not set up an appropriate lock timeline given XXXX hot market, asking for papers that could have been supplied early on in process beyond the lock date. 
The claim that there were extra costs and delay because of the subordination notice. This subordination fee was already included in the dated XX/XX/XXXX detail. The appraisal was also competed before this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXConsumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Regional Acceptance Corporation, has violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Vehicle loan or lease

I purchased a car loan from US AUTO SALES, never missed a payment! But when they defaulted and " sold '' their loans they created fictitious account balances. After almost a year and a half of paying the loan I was told my the Buying company ( WEST LAKE PORTFOLIO MANG. ) that I would have to start my loan all over again equating to {$22000.00}. They also said I had been behind months before with US AUTO SALES but my bank statements and receipts say otherwise. I asked for the original documents, transfer agreement, payment history. None were provided. Westlake Portfolio has already begun reporting late payments to my CREDIT!!!! This makes absolutely no sense as I was never late and now my credit is in shambles because a company went bankrupt!! I already tred creating a suit myself but was ghosted by my lawyer randomly.
Product: Debt collection

On XX/XX/2020 Bankruptcy XXXX XXXX was dismissed with no proof of claims filed. 

On XX/XX/2020 XXXX XXXX, XXXX XXXX and inland capital funding claims ownership of my property. 

They claim to owned a quit claim deed that I never signed and was for XXXX. Rhe himw worth XXXX was claim to have been sold without me getting notice. This documented in Washington XXXX XXXX XXXX XXXX XXXX and XXXX. My home was stolen and attempts to get it back have been stonewalled. This is mortgage fraud and bankruptcy fraud and they still fight with me about the ownership.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : COLLECTIONS USA INC Account Number : XXXX
Product: Checking or savings account

On XX/XX/2017, XXXX XXXX deposited a check from XXXX XXXX into heXXXX XXXX XXXX Account via mobile check deposit. She then secured the physical check in our apartment and we left to plan a special life event with subsequent travel outside the country fully expecting the check to clear. 

Upon our return, XXXX deposited the same XXXX XXXX XXXX check via mobile deposit into her Citibank Account on or around XX/XX/2017, having forgotten about the original deposit to XXXX XXXX. Later in reviewing her XXXX account she noticed that she had already deposited the check in XXXX, and she called Citibank to report the errant deposit. Citibank removed the funds from her account and returned them to XXXX XXXX. 

XXXX then ripped up the original XXXX XXXX XXXX  check and disposed of it in the recycling/trash. 

As far as we can tell, a physical reproduction of the check was then presented to XXXX XXXX XXXX at one of their branches and the Federal Reserve contacted XXXX XXXX  stating XXXX XXXX would honor the physical check over the mobile deposit. 

Without contacting XXXX, XXXX removed the funds from her account and when we discovered the transfer were told that XXXX XXXX requested the removal of funds from her account. 

XXXX submitted a CFPB complaint against XXXX XXXX that was transferred to the FDIC. 

XXXX responded to the complaint stating the check was presented to an account at Citibank in XX/XX/2017 and that XXXX requested the Federal Reserve make an adjustment and that in their words " It appears the adjustment went against Ms. XXXX XXXXXXXX XXXX XXXX Account and not Citibank. '' They also give the routing number for the Citibank Account : XXXX. 

XXXX then states in their response that the adjustment was " processed incorrectly with the Fed, and Ms. XXXX 's funds are with what appears to be a fraudulent account at Citibank. '' XXXX XXXX did not respond to the issue of the check being physically presented at XXXX XXXX XXXX. XXXX XXXX XXXX response to the original CFPB complaint is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act ( FCRA ) The Following Accounts Has Violated My Rights. 

XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX   ACCT XXXX XXXX 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file.

15 U.S.C 1681 Section 602 A States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax for failing to report my credit history accurately, which has resulted in a significant reduction in my credit capacity. This situation has serious implications for my financial standing. 

I have maintained a consistent credit history for several years, with accounts reported to all three major credit bureaus : Equifax, XXXX, and XXXX. However, I have recently discovered that Equifax has stopped reporting my first credit card. In contrast, both XXXX and XXXX continue to report this account accurately, reflecting my credit usage and payment history. 

This failure to report is not only misleading but also constitutes a violation of the Fair Credit Reporting Act, as it creates inaccuracy in my credit report. As a result, my credit capacity has been unjustly reduced, which adversely affects my ability to secure loans and credit. 

I sent a detailed letter to Equifax on XX/XX/XXXX, outlining this issue and requesting a correction. Unfortunately, I have not received any response or acknowledgment in the 31 days since that correspondence. 

I am requesting your assistance in resolving this matter with Equifax to ensure that my credit report accurately reflects my credit history in accordance with the law. 

Thank you for your attention to this serious issue. I appreciate your prompt response and support in addressing this matter. 

XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Starts on XX/XX/XXXXXXXX XXXX XXXX Satus Pay as Agree Last time Equifax reported was on XX/XX/XXXX Report number XXXX My present Credit Report Identity XXXX  Reference # XXXX Three Credit Bureaus Date XX/XX/XXXX Only equifax needs to keep reporting my age of credit. 



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

I am disputing incorrect and negative information being reported on my credit report by SELF FINANCIAL INC / LEA regarding an account that I previously held with them. 

- **Account Number : XXXX XXXX XXXX XXXXAccount Status : ** Closed Charge Off - **Payment Status : ** Past Due - {$620.00} - **Balance Owed : ** {$620.00} - **Payment Amount : ** {$0.00} - **Credit Limit : ** {$450.00} **What happened : ** I had a credit card with SELF FINANCIAL INC / LEA, which I responsibly managed and eventually decided to close. I have never missed a payment on this account. However, after closing the account, a balance of {$620.00} was erroneously added. For the past four years, I have been contacting the company repeatedly, requesting that they update my credit report to reflect that the account was paid as agreed and never late. Despite my efforts, I have been repeatedly transferred to different departments, and the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. The dates open, the last report, and also the dates last active are inaccurate.15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction regarding the tardy handling of the opening of my account with Credit Bureaus. I submitted all the necessary documentation and fulfilled the requirements for the establishment of an account, yet to my dismay, there has been an unacceptable delay in its processing. 

As a new client, I anticipated a prompt and efficient response from your esteemed company. However, the prolonged delay in opening my account has caused inconvenience and frustration on my end. I have been eagerly waiting to commence business transactions with your organization, but the delay has hindered this process significantly. 

Given the circumstances, I kindly request that you expedite the processing of my account opening without any further delay. XXXX is of the essence, and I trust that you will prioritize this matter accordingly. Additionally, I would appreciate timely communication regarding the status of my account and the steps being taken to rectify this situation. 

Please understand that my dissatisfaction stems from the lack of promptness in resolving this matter, and I hope that you will take the necessary steps to rectify the situation promptly. I value the potential partnership with your company and believe that swift action on your part will help restore my confidence in your organization. 

I look forward to a swift resolution to this matter and the opportunity to commence business with your company. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.