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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am an XXXX XXXX military member, and I have not been serviced with the care and urgency I deserve. On XX/XX/year>, I purchased a travel trailer from XXXX XXXX XXXXXXXX, SC, with financing through Alliant Credit Union. The dealership falsely claimed the trailer was winterized, yet when I connected the water for the first time in XX/XX/year>, a pipe burst immediately. A licensed technician confirmed that the trailer was never winterized, and the dealership has since admitted fault. Despite this, my warranty and insurance claims were denied, even though the trailer is still under the one-year manufacturer warranty and my extended warranty. 

Also we never received the proper table leg and havent been able to even sit or test the dining table out! We have received 4 different table legs and neither match! 

I was promised that the trailer would be ready for camping upon purchase, yet 60 days later, it remains unusable, and the issue has not been resolved in a timely manner. This negligence, both from the manufacturer and the dealer, is unacceptable. 
I have repeatedly contacted both the dealership and Alliant Credit Union to dispute the financing and seek resolution, yet the loan remains active despite the misrepresentation and defects.
Product: Mortgage

I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did consent to authorize nor benefit from these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XX/XX/23 file # XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I send the FTC affidavit with the police reports and this accounts and the fraudulent inquires listed as fraudulent and I demand to be removed right away. i also filed a complaint with the XXXX for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.
Product: Debt collection

I contacted CBC Collections to pay a debt and have these items removed from my credit report. I was told by XXXX that the company did not have the ability to remove items from the credit report. This statement is untrue. I was also not properly notified of this collection even though I had previous business relations with this company and they had my contact info. I learned of this collection when my report was pulled.
Product: Credit reporting or other personal consumer reports

I have asked XXXX to update my personal information and remove the old address of XXXX XXXX XXXXXX/XX/XXXX nj. I dont live there. 

My late payments on account are in accurate from XX/XX/XXXX. I want this account removed Account XXXX is reporting inaccurate and needs to be removed Account XXXX is inaccurate and not reporting the same as well as late payments And a collections that is reporting inaccurately. 

Account XXXX is reporting inaccurate as well as late payments Account XXXX inaccurate with late payments I have attached photos for reference
Product: Debt collection

Let me start off by saying, I've been monitoring my Credit Report for the past 6 months because I'm in the process of purchasing a home. So, back in XXXX I contacted a debt collection company called XXXX XXXX they told me I had 5 accounts 1. {$140.00}, 2. {$81.00} 3. {$81.00} 4. XXXX  and 5. {$100.00} so I paid each one in full and they advised it would be deleted from my Credit Profile ( which it WAS ) until last week. I ran my Credit Report and it shows they reported the debt to XXXX  as XX/XX/XXXX. This is AFTER the debt has already been paid off. I called them and they were not trying to help me or get this issue resolved. I called the Credit Bureau and they said they only added the information back to the report which was requested by Aargon. This is totally unfair and deceptive business practice. I would like to know if there is something I can do to rectify this situation.
Product: Credit reporting or other personal consumer reports

Credit karma isn't updating XXXX and hasn't since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on XXXX  and transunion it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Product: Checking or savings account

My account has been restricted since XX/XX/2021 and it is now almost XXXX. I have only received correspondence from Capital One after filing my first CFPB complaint, which is why I am filing my 2nd complaint. 
I received a letter at the end of XXXX saying that they are closing my account and that they will send me a check in the mail for the funds remaining in my accounts in 7-10 business days, which is the action I wanted to be taken. However, it has been a month since and I still have not received a check in the mail. Many times I have called the number that was included in the letter that would directly connect me to the investigator, XXXX, that has been working on my case, but each time a robot says they are unavailable. I just want my money please. This is getting absolutely ridiculous.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

EQUIFAX 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to Equifax, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Product: Credit reporting or other personal consumer reports

Once more, I find myself subject to identity theft, prompting my third plea to expunge the details from my credit record stemming from the purported identity theft incident. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to eradicate any such entries. I have previously enclosed this report in a prior correspondence, and I am resubmitting it herewith. Moreover, certain particulars furnished are unfamiliar to me and have been expunged by other bureaus, casting doubt on their accuracy. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I asked the company to validate the debt and the provide the information to prove that I owe this debt, I asked them for the complete chain of ownership, all account statement showing the alleged debt. I requested the documents in 30 days. They responded beyond the 30 days and simply stated the account was accurate and asked me to provide proof that it was inaccurate.
Product: Checking or savings account

XXXX XX/XX/2022 logged into online 5th3rd account noted obviously altered check # XXXX ( payee line scrawled over XXXX XXXX XXXXXXXX to XXXX XXXX XXXX ) with improper endorsement had been cashed at XXXX XXXX XXXXXXXX and paid by 5th3rd in the amount of {$4200.00}. Immediately called both banks customer service lines several times that evening, and filed police report. XXXX. XX/XX/2022 filed 1st of 3 fraud packets at 5th3rd branch subsequently have been mailed 3 more : 2 by 5th3rd ( I filled out 1 more ) ; 1 by XXXX, which were filled out and notarized. Also opened investigation with USPS. Originals and copies were promptly submitted via fax, hand delivered to respective branches, mailed via USPS registered delivery and XXXX. As an aside, on XX/XX/2022, 5th3rd paid check XXXX again for {$4200.00}. This time a check had been " created '' and my signature had been forged. Calls to 5th3rd resulted in restoration of these funds 24 hours later. XX/XX/2022 opened new 5th3rd checking account overworked employee ordered checks with old account number, had to be reordered not delivered until today. To date, have been shuffled between 5th3rd Collections and Disputes and contacted both banks at least 50 times, but my {$4200.00} has not been restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXXXXXX
Product: Debt collection

Account was paid in full in XXXX. I received a phone call from XXXX XXXX XXXX saying I was behind on payments. I advised them the amount was paid in full already. When They asked for proof I advised them the bank account I had when I was paying is no longer open. I also advised that the account had been closed for two years and I could not get documentation. She said, OK, I will remove the account and hung up. I noticed on my credit report yesterday, XX/XX/XXXX, that it was sent to collections for over the full amount to Prince Parker and Assoca saying the account was opened in XX/XX/XXXX which is not correct. When I contacted them, they advised me I owed {$2000.00}. When I told them my bill was already paid they became very aggressive and threatened a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for the reason that I have been dealing with Equifax for a few months regarding inaccurate inquiries on my report Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove them if unable to prove that the account is mine. Equifax is failing to remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, as I was told by a Equifax rep and mailed everything. I Called a month later and they stated that they didn't receive anything. I was told I could fax it to XXXX on XX/XX/XXXX. I havent got a responce XXXX I call to see the statues It doesnt get me nowhere.I have had ENOUGH! how much documentation does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! DELETE the Inquiry which I do not own. 
XXXX CREDIT XXXX XXXX XXXX XXXX. XXXX CREDIT XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account in 180 days for no reason. I can't transfer my XXXX peso to my bank account. It's been 1 month since I reported this issue here but there is no help or action from the company. Please I need my money back. I badly need it. I hope that it will resolve. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to Equifax,  XXXX, and XXXX XXXX that I owe them {$9900.00}.
Product: Credit card or prepaid card

HSBC IS CHARGING ME FOR PURCHASES ON CLOSED ACCOUNTS. ACCOUNT XXXX IS A CLOSED ACCOUNT DUE TO FRAUD. THE COMPANY HAS PUT ON {$240.00} IN CHARGES ON THIS CLOSED ACCOUNT. THIS ACCOUNT SHOULD HAVE A XXXX BALANCE. ON THE ACCOUNT THAT XXXX  REPLACED THEY PUT {$14.00} ON THAT ACCOUNT. THAT ACCOUNT ENDED IN XXXX ON ACCOUNT XXXX THE COMPANY PUT ON {$70.00} FOR CHARGES I DID MAKE OR AUTHORIZE. OLD ACCOUNT XXXX AND THE ONE THAT ENDS IN XXXX  AGAIN WERE BOTH CLOSED DUE TO FRAUD. I WANT THE {$240.00} AND {$14.00} CREDITED BACK TO THE NEW ACCOUNT. ON THE ACCOUNT XXXX I WANT THE {$14.00} THAT IS NOT MY CHARGE PUT BACK ON THE NEW ACCOUNT IT REPLACED
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXXXXXX XXXX ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( XXXX ) Ai, 15 USC 1666b, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the incorrect information that Equifax allowed to send lenders there actions has caused me harm. They keep furnishing incorrect information on my report. Pursuant to 15 U.S. Code 1681- " Congressional Findings '' I as the consumer have the right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX I got a letter in the mail saying my info was in a data breach with XXXX. 

XX/XX/XXXX XXXX did a hard inquiry into my account which I didnt authorize. ( Didnt see until XX/XX/XXXX ) XX/XX/XXXX I got mail from XXXX XXXX XXXX service denying my credit card application ( which I didnt apply for )
Product: Debt collection

My confusion is further heightened by the fact that other credit bureaus have acknowledged the fraudulent nature of the account and have taken the appropriate steps to delete it from my credit report. It is your responsibility, as a credit reporting agency, to ensure the accuracy of the information you provide. Unfortunately, the persistence of this fraudulent account on my credit report is a clear violation of the FCRA. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 

I have previously submitted disputes regarding this matter, and I am deeply concerned that the Credit Reporting Agency has failed to comply with the law by not removing the fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXXXXXX XXXX  {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised will XXXX 

Now I just want to rectify the situation!