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

I have called Equifax over fifteen times in the past two weeks trying to find my credit account. They do not have any credit history on file despite me having a credit card for over thirteen years. I am able to get credit history and reports from XXXX and XXXX without issue. Equifax has either lost my account or data.
Product: Mortgage

I got divorced and in the div agreement my ex wife was supposed to give me a quit claim deed signed and notarized so i can keep the home and the children in it. I had the modification completed except for the quit claim deed and the bank terminated the mod because i couldnt get my ex to agree to give me the deed. Even after they approved the mod and i paid the 3 months mortgage to complete the mod. I took her to court to make her sign it but the bank didnt care and expired my mod. So while i had her in court i reapplied for the mod and sent in an updated package. That mod expired again because she wouldnt sign the deed. I than applied for a 3rd mod and this time i had the quit claim deed signed and a completed mod package that underwriting had in there possesion. We were waiting for them to approve mod but while underwriting had mod they never cancelled sale date and thats when the house went up for auction and the bank took back ownership. We now must leave. Freedom mortgage is the reason i lost my home. They were suppose to cancel the sale date once they had the complete package. What can i do to get my home back from a bank that treated me poorly and unfair?
Product: Credit reporting, credit repair services, or other personal consumer reports

My car is financing is thru Freeway Funding XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX In XXXX of 2022, my debit card was not returned by a default ATM machine. My car payment was due XX/XX/XXXX, being my debit card was misplaced I went thru a called XXXX because XXXX would not take a XXXX party payment. XXXX IN TURNED SENT FF THE WRONG ACCOUNT #. XXXX XXXX CALLED STATED THEY SENT THE WRONG ACCOUNT # TO XXXX. I CALLED XXXX AND EXPLAINED MY CONCERNS BECAUSE MY CREDIT SCORE DROPPED A Whooping XXXX POINTS. XXXX SAID WRITE A LETTER EXPLAINING THE ISSUE, I DID AND XXXX STILL WILL NOT CHANGE THIS DOXO MADE MY PAYMENT LATE 2 WEEKS THIS HAS BEEM A HARDSHIP I COULDNT RENT APT XXXX I TRIED TO TALK TO XXXX THEY ARE VERY DISRESPECT OVER THE PHONE. THEY HAVE POOR REVIEWS FROM CONSUMERS DURING COVID. I HAVE NOT MISSED A PAYMENT EVER UNTIL THIS MY CAR IS ALMOST PAID FOR AND NEEDS IT REMOVED.
Product: Vehicle loan or lease

I have a boat loan with Yamaha financial services. I have an automatic payment on this load and have delivered the loan payment on time ( XX/XX/XXXX of every month ). The loan has been serviced correctly for 15 months. I received a letter on XX/XX/XXXX state my bill was passed due. I contacted the company and they said that they processed my XX/XX/XXXX and XX/XX/XXXX and I owe {$100.00} in late fees. 

I spoke with XXXX XXXX he would not give me his employee number and refused to let me speak to a supervisor stating he was in a meeting. 

He said there is no one at the company capable of removing the late fee.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

see cfpb complaints already submitted- # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two Bankruptcies on my credit files in error. I have contacted Equifax, XXXX   and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX  has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

COMENITYBANK/VICTORIA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYBANK/VICTORIA customer service representative XXXX 


I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Product: Debt collection

On XX/XX/2022 I picked up a car at XXXX XXXX XXXX in XXXX XXXX XXXX and returned the car on XX/XX/2022. 

When I rented, the staff told me gasoline is cheaper than outside, so I told him if it is true, I would bring without filling up tank. However, it was not true. Therefore, just before I returned the rental car, I filled up gasoline ; however, they charged me. So, I disputed to my bank with the fuel receipt. This is the final decision letter from my bank : " This letter concerns the transaction described below made with card number XXXX  : Date Amount Description XX/XX/2022 {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX FL The dispute has been resolved in your favor and the conditional credit issued previously to your account is now a permanent credit. '' When I made contract with XXXX XXXX, total rental price was {$250.00}, but XXXX added {$66.00} by regarding the car as having empty tank, total {$320.00}. Since I proved with fuel receipt, bank finally refunded {$66.00} to me. 

Recently, XXXX XXXX XXXX asked Viking Client Services, a debt collector, to collect {$66.00} and I had to respond to them. Because of XXXX XXXX XXXXl, I am spending lot of time to resolve it. Moreover, I am receiving a letter even from a debt collector. 

I appreciate your great help in advance.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, XXXX, IVE REPORTED THIS MATTER TO THE XXXX HOUSE, YOUR COMPANIES NOT FOLLOWING THE RULES AND REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account, XXXX Account has violated my rights. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit
Product: Consumer Loan

My vehicle was repossessed in XXXX of XX/XX/XXXX due to alleged default. I had lost my job in XXXX of XX/XX/XXXX and had called Toyota Financial Services to advise them that I would be late on my payments. They said that a late fee would be assessed and that XXXX I missed 3 months of payments my car would be filed for repossession. I had missed my payments in XXXX, XXXX and XXXX but had paid in XXXX. I called Toyota in XXXX and explained that I would be able to continue payments as I was re-hired by my previous employer. I knew that I was already 3 months behind but the agent told me that it would be fine to continue paying as long as I caught up by XXXX XXXX. I called them again on XXXX XXXX and advised that I would be paying ALL of my past due balance within the week and that I may not be able to pay by XXXX XXXX. The agent told me that they would notate the account so that I would be given a chance to get the payments in. I went to log into my account on the XXXX to pay and my account was locked out. I, then, called Toyota Financial Services again and they told me my car was picked up for repossession the night of the XXXX. I explained my above story to the man in the " redemption department '' but he said there was nothing stated on the account that I had ever called and spoken to somebody. He said the only notes reflected that they had called me repeatedly but that I never answered. Admittedly, a number called me multiple times per day everyday. Whenever I answered, it was dead air so I hung up. I do n't have time to sit on the phone for 5 minutes waiting for somebody to answer the phone when they are the XXXX who called me XXXX. Either way, XXXX times I spoke to the agents in the Financial Department, I was assured that I could get my payments in and I was never once told that my account was up for repossession. I received letters from Toyota in the mail but I did n't think to open them as I had already spoken with them on the phone and thought everything was in order. I understand that I am held to a standard to ensure I pay my due balances. However, as I stated above, I talked to their Financial Department multiple times and was told that they would accept my payments. When I went to make the payments, even before the date they told me they would accept it until, I was unable to and came to find out they repossessed my car anyways. 
*I am submitting this on my boyfriends laptop. All of my account paperwork and information is at my apartment on another computer.
Product: Debt collection

On XX/XX/2023 I received a letter in the mail stating I owe a debt from Law offices Of XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist.

I am asking this company get correspondence from credit bureaus to get this matter handled
Product: Credit card or prepaid card

During the summer of XXXX, I consigned a loan for a friend that got denied. ( Thats not the issue ). In the process of us doing the paperwork, that friend stole my identity. Soc card, id, and he knew slot of my info due to being a long time friend. I have maintained a XXXX credit for the last year or so. I check my credit this weekend. Dropped XXXX points on average between the 3 Bureaus. A capital one account was opened in my name with XXXX $ taken. I have not made an account. The person I called a friend admitted to making it to myself and to others who are more than willing to testify. Today XX/XX/23 I will be making a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account ... FEBXXXX  XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Product: Credit reporting or other personal consumer reports

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. [ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXXXXXX XXXX XXXXXXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX XXXX XXXX  ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submititng another CFPB complaint regarding fraudulent items I found reporting on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the Credit Bureaus to investigate and remove the following items off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX XXXXXXXX ( No acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights.

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 602A 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

Please see attached documents as it has my identification and complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through GM Financial in 2013. Unfortunately one month after I purchased the vehicle my husband was hit by another car on his way to work and the car was totalled. I was toldby my insurance company that the car was being totalled and they were sending the full payment to pay off the balance of the auto loan. GM financial marked my account as late during that time. 

It is now 5 years later but this account still shows the status as " 60 days late '' on my credit report. I have attempted to dispute this information through the credit bureaus and GM Financial refuses to correct the current account status. Account status should be paid in full. 

This has been negatively impacting my credit for years which is extremely unfair when I didn't even do anything wrong.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an ACH transaction, amount {$3600.00} from my XXXX  XXXX XXXX account to Affirm Inc without my knowledge or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX OF XXXX on XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX 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 XXXX XXXX XXXX XXXX I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. 

i HAVE ALSO REACHED OUT TO ALL 3 CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT. 

FURTHERMORE, THE LISTED COLLECTION ACCOUNTS BELOW ARE STILL ON MY REPORT AFTER DISPUTING NOT ONCE OR TWICE, BUT MULTIPLE TIMES. THE CREDIT BUREAUS ARE REFUSING TO THOROUGHLY INVESTIGATE THESE ACCOUNTS, THEY HAVE NOT PROVIDED ME ANY INFORMATION ON HOW THESE ACCOUNTS ARE VERIFIED, INSTEAD THEY JUST SEND A GENERIC MESSAGE STATING " THE ACCOUNT HAS BEEN VERIFIED ''. IF NEEDED I WILL TAKE LEGAL ACTION INCLUDING AND NOT LIMITED TO {$1000.00} PER VIOLATION OF MY RIGHTS IF THIS IS NOT RESOLVED. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


TRANSUNION : XXXX XXXX XXXX- {$3500.00} XXXX XXXXXXXX XXXX {$1900.00} XXXX- {$2100.00} XXXX XXXX XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple inaccuracies that require urgent correction. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus are legally obligated to verify these accounts. Reporting unverified information without proper evidence is a violation of federal law. I insist on an immediate investigation and correction of these discrepancies regarding the following accounts listed in my credit file. 
XXXX XXXX Balance : {$XXXX} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Current XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, A Bank of America credit card was fraudulently opened in my name. 
It was my understanding that the thief stole my complete identity, even opened a checking account in my name. 
I got to know of this in XX/XX/XXXX when I tried to purchase a vehicle and got declined. 
I have filed a police report since then and notified Bank of America and the Bureau about this fraudulent account. 
Bank of America have literally not removed this account off my XXXX and XXXX credit reports despite the fact the notified me through their collection team they will do that. 
Their negligence have costed me to pay high interests on my credit cards e.t.c I am asking CFPB to Intervene as the next action will be a lawsuit to get back all of my losses. 
I need the fradulent account removed and a compensation of {$1000.00} for violating the credit bureau reporting act. 


Account info : Bank of America XXXX Date Opened XX/XX/XXXX
Product: Debt collection

this was for progressive auto ins that i paid before going to collections this caine & wiener co put on all 3 credit reports im collections i sent proof many times of the payment i made before collection it was removed from XXXX XXXX but left on XXXX i disputed it then was removed then put back on 5 times taken off then put back on and this has gone on for awhile i sent proof over over and still they keep putting it on it's affected my credit where now im applying houses for rent getting denied and im about to be homeless because of these errors
Product: Debt collection

This is the 4th time in the past 3 years that XXXX is trying to collect a payment that was disputed a closed by the CFPB ( see previous closed collections ). I feel being harassed by XXXX by keep trying to get payment not owed that was closed from the very first collection Agency. When will they stop?