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

I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX ) for 36 months, my lease ended XX/XX/2019, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called XXXX again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like XXXX chooses to report fraudulent information on peoples credit report. XXXX is nothing but FRAUD FRAUD FRAUD!
Product: Debt collection

ILLINOIS XXXX XXXX XXXX AND XXXX XXXX LOAN TO TSI FOR COLLECTIONS. THE DATE WAS AFTER XXXX. XXXX XXXX XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I Previously sent XXXX a copy of my government ID, Social Security XXXX, a copy of my police report ( XXXX ) and a copy of my identity theft report from the Federal Trade Commission ( XXXX ) despite sending XXXX these items they repeatedly send me a letter stating ( we recently received a request that includes your information but it didnt appear that you or a properly authorized third party sent it to us ) .All documents were mailed from my address on file and contained documents to confirm my identity. XXXX is violating my rights by not blocking unauthorized accounts and continuing to report fraudulent and unauthorized accounts on my credit report. Given that I have already provided the necessary documentation proving that these accounts are a result of identity theft, I am requesting an explanation as to why these fraudulent and unauthorized accounts have not yet been removed from my credit report. 
I kindly urge you to re-investigate my case promptly and ensure that all fraudulent information is removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I filed a dispute with XXXX and they the name on the account to match my name and said it belongs to me. XX/XX/2022 I filed another dispute with XXXX and with chages. I even called regional finance to correct the problem and they there was nothing they could do. They refuse to remove this from my credit report even though it not my account. i have never heard of this company before and never applied for anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires XXXX XXXX requested on XX/XX/XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX also they have my address incorrect it is XXXX XXXX XXXX  XXXX, WI XXXX not XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX XXXX Experian Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. 
At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Mortgage

I spoke to my rep today XXXX XXXX and there seems to be a lot of mix ups happerning concerning my account. 

1. The liens are still on my account they were not removed. There were XXXX or XXXX totaling XXXX and a XXXX judgement all for illegal liens for back maintence that at the time I was not behind. the modification was completed after these liens were still there and not subordinating nor any inquiries made by Title or Wells Fargo. 
Modifications were not permitted with liens, still unsure how this all happened ad XXXX still stating the liens were not there per there title company. 
2. Wells put a claim into the title company for these errors - a claim for the liens 3. Ask for deed in lieu papers and short sale papers - nothing received to date 4. Asked why if I 'm behind I have not been offered any form of assistance modification wise. XXXX offers a principle reduction. The loss mitigation department says I 'm not entitle to one, XXXX mac says different. How do you determine without processing an application 5. asked if Wells offers any assistance to stop a forclosure from the association XXXX lien. 

This is a recap of the items discussed. 
The explanation that the title issued was settled months ago is untrue. Noone has held the title company liable for the errors made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 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

On XX/XX/2020 I started getting letters from Midland Credit Management. Unpon further research, these accounts were transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and I'm requesting legal action to remove these account immediately.
Product: Mortgage

Our closing date for our new house was set for XX/XX/XXXX. We notified our lender of this change in XX/XX/XXXX. I made weekly calls and emails to the lender team to verify that they had all of the required documents before our closing date. They said they had everything that was needed. I called weekly to ensure there were no issues with our closing on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX because I had not heard any updates from him, and we were set to close in less than XXXX hours. XXXX said they made a mistake and they saw our date as being XX/XX/XXXX, but he acknowledged that he knew it should have said XX/XX/XXXX. XXXX stated that their team forgot to submit the closing disclosure on the new home. My wife and I had several service providers scheduled for XX/XX/XXXX, which we will now have to move. We also are at risk of having to reschedule our movers less than XXXX hours before we close. I also requested that our utilities be hooked up on XX/XX/XXXX, which XXXX be a day before we close, now that we have this news. The team at JET is causing financial and emotional distress. This is unacceptable. Purchasing a new home is a big deal for young families, and JET has turned this into a nightmare. I would recommend that anyone avoid this lender at all costs. I would also recommend that XXXX XXXX 's homes find a new preferred lender. JET has horrible customer service and should not be anyone 's preferred lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to EQUIFAX INFORMATION SERVICES, LLC ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Equifax 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Equifax has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARMAX XXXX XXXX IS REPORTING A UNVERIFIED ACCOUNT TO MY CREDIT REPORT. MY LAWYER AND I HAVE REPEATEDLY ADVISED THEM TO VERIFY THE DEBT THEYVE CLAIMED I OWE TO THEM. 
NOW THAT I HAVE MY LOCAL POLICE DEPARTMENT INVOLVED, I ASSURE THEY DO NOT WANT TO FALSELY CONTINUE TO VERIFY A ACCOUNT. 

THEYVE REPEATEDLY SENT ME ( STATEMENTS ) DEMANDING I PAY THEM AN AMOUNT TO SETTLE THE UNVERIFIED DEBT REPORTING TO THE CREDIT BUREAUS, YET HAVE NOT SENT ME THE DOCUMENTS IVE REQUESTED. 

IVE NEVER CONTACTED CARMAX XXXX XXXX FOR A CAR LOAN, I ONLY HAVE 1 VEHICLE WHICH IS FINANCED THROUGH MY CREDIT UNION, WHICH OBVIOUSLY SHOWS 100 % PAYMENT HISTORY. 

CARMAX XXXX XXXX NEEDS TO PROVIDE ME WITH THE FOLLOWING ITEMS OR DELETE FROM MY CREDIT REPORT : 1. Signed contract with my signature agreeing to pay them.

2. Information used to be approved for their loan 3. Employment information used to be approved for the loan 4. What vehicle was financed.

5. Where was my information taken.

6. who signed my name on the contract.

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country.

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY CARMAX XXXX XXXX OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, XXXX   ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

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 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 XXXXXXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I paid {$1100.00} to MOHELA on XX/XX/24 in an effort to pay for a large portion of my student loan. The company decided to transition my account to their new platform XXXX hours later. I have given them ample time to apply this payment and it has yet to be done and my account continue to accrue interest on an amount i dont owe. I submitted a request about this on XX/XX/24 and have yet to hear backand in fact the site is virtually unusable now when I log in because I cant get to the payment screen nor can I open the message i sent themI can only view documents theyve sent meincluding a statement for a payment that isnt due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

TRANSUNION CREDT BUREAU .Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a human trafficking survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

Lvnv funding ( I never had a credit card in my life ) XXXX XXXX XXXX XXXX XXXXXXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an XXXX came to do the report.
Product: Credit card or prepaid card

On XX/XX/XXXX I had submitted a dispute with Barclays ( Luxury Card ) about a charge in the amount of {$860.00}. 

On XX/XX/XXXX I had received a letter that the credit card company is unable to assist. After speaking to numerous agents on XX/XX/XXXX I was told the case was closed in error and it would be reopened and escalated. It never was. Again, I called and spoke to numerous agents ( call centers ). They can not even locate the case in their system properly, takes 30 minutes each time to explain what happened. Nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to XXXX and Transunion not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

On XX/XX/2025 I deposited a three party check for {$50.00} at Chase in XXXX Illinois. The check was endorsed and signed over to me. I was told there would be a hold until XX/XX/XXXX. Which is understandable. During that timeframe, I received a letter that my acount was with the fraud department and being restricted and possibly closed. Letter was dated XX/XX/XXXX as soon as I received the letter I called. I spoke to someone named XXXX who asked me whom XXXX XXXX was which is the person who signed the check over to me. I stated a friend and she said okay she would lift the restriction. I waited until XX/XX/XXXX and it showed the check had cleared HER bank and it showed it available to me. When I went to transfer some of it from my savings account to checking it said I was unable to complete that transaction. 
I called the Fraud department at Chase again and this time got a person named XXXX who told me that I needed to provide a phone number of XXXX XXXX to go through their verification process. So i gave them her number. He told me the number did not match the identity on their verification process. I said why not that is her number? He said no it's not and until I give a matching phone number the check will remain on hold! Next day my account was CLOSED! 
I called again and asked why and he stated because I could not provide a phone number to XXXX XXXX. So I asked if SHE, XXXX could call in herself and he said no. So XXXX went to AT and T her XXXX and provided a letter that the phone number I gave was activated to her. Chase is STILL saying the number and name does not match and will not release the {$50000.00} not even sent it back to the original person who wrote the check! 
So I went into a branch and the manager called for me and then I was asked if XXXX is married, what is her address, how long did she have the phone number. It was ridiculous and some answers I did not know. It ended up that they are keeping the account closed and holding the {$50000.00} forever! Until I " provide a matching phone number ''. This is ridiculous. I've given them all the proof I had even XXXX called the bank twice. How can it be legal to just hold someone's money? The check already cleared the original persons ' account!