23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and TransUnion, and XXXX regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX  XXXX XXXX XXXX, Tx XXXX Furthermore, TransUnion has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XX/XX/XXXX XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to Equifax to remove undeliverable addresses from my credit report. On XX/XX/XXXX, I received a letter from Equifax stating that the disputed address was removed. But when I receive current credit report the address still remains. The latest credit report is dated XX/XX/XXXX, and it is still listed on my report. Every time I request the information to be removed I receive a letter stating that it was deleted but it never disappears from my credit report.
Product: Credit card or prepaid card

Good Day Team CFPB, On XX/XX/XXXX I had a procedure done at XXXX in the amount of {$4700.00} which was financed by CareCredit / Synchrony Bank. In early XXXX, approximately 6 months after the XXXX, I contacted XXXX about my concern the procedure did not work. The staff and doctor advised to wait a few more months and I would see results between 6 and 9 months. 

In XXXX I scheduled a XX/XX/XXXX visit ( 10 months post op ) and met with the staff and XXXX XXXX. At that time, he advised it could take a full year and to comeback in XXXX. I didnt feel reassured about his statement as this was the same Doctor who said you will see results by 6 months. 

About 2 weeks later, I contacted my finance company a week later and requested a dispute on the financed charges which Synchrony logged. 30 days later I was informed I lost the dispute. Synchrony listed it as a price dispute which wasnt accurate I explained I was arguing about a faulty defective product. I called Synchrony after receiving the turn down letter to which I was informed I  needed to meet with XXXX and the Doctor again as there was nothing they could do. I questioned given theyre the finance company and I was sold a defective product. Begrudgingly, I setup a 2nd appointment and attended on XX/XX/XXXX a full year + after my procedure. Again no resolution from XXXX as I requested my money back. After leaving their office, I contacted Synchrony again to request a dispute.

At this time, Im not confident I will receive my money back and only have a short window remaining till the promotional expiration. Im requesting assistance to recoup the amount of {$3600.00} remitted to Synchrony as of XXXX and not be liable for the remaining balance of {$1100.00}. 

I appreciate your assistance.
Product: Prepaid card

I am having issues logging into my account at XXXX XXXX XXXXXXXX I have been trying to retrieve the virtual gift card details in order to use the cards, which end in XXXX and XXXX. However, it keeps showing me the error " There was an error signing in. Please try again later, '' as shown in the attachment.
Product: Debt collection

Jefferson Capital was sent a Debt Validation letter certified mail on Monday XX/XX/year>. I requested the company to Please supply me with a copy of any contract or agreement signed with your company or the original credit.
Product: Debt collection

On XX/XX/XXXX, I sent out my initial contact to XXXX XXXX, who were harassing me in order to settle a collection placed on my consumer report by National Credit Adjusters. This contact demanded a cease-and-desist order as well as debt validation.These were dated with a return receipt ( documents attached ). 

XX/XX/XXXX XXXX XXXX sent me a response regarding the debt validation letter but not the cease and desist letter. 

After reviewing thier response and their unlawful practices during contact, I sent out an affidavit of truth with exhibits, on XX/XX/XXXX, to both XXXX XXXX and National Credit Adjusters ( attached below ) that revealed 40 violations of the Fair Debt Collection Practice Act 15 USC 1692. Their violations wasted my time, negatively impacted my reputation, and caused mental anguish, I requested a remedy. 

I received notification in XXXX that mail sent directly to the National Credit Adjusters address was not deliverable. Dated XX/XX/XXXX ( document attached ) .This was the exact address given to me in the mail they sent me. I have yet to have this problem resolved by XXXX XXXX XXXX or National Credit Adjusters.
Product: Credit card or prepaid card

A dispute was accepted by a PayPal Credit customer service person. The amount was {$45.00} paid to XXXX via PayPal Credit . XXXX sent the wrong size. The order was sent back immediately upon receipt but I keep getting the run around from XXXX. 
The representative was given the tracking number for the return. I was advised that a dispute would be processed. However, on XX/XX/2021, PayPal sent me an email that the dispute was invalid because the purchase was not performed via PayPal/ Pay Pal Credit. The notification is a lie. Pay Pal Credit did process this payment. It appears that I maybe experiencing discrimination. PayPal Credit did pay XXXX for this order which has been returned and I am disputing via PayPal Credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful. 

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and I am requesting for XXXX to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ( IT HAS PASSED THE SEVEN YEARS MARK PLEASE REMOVE IMMEDIATELY. IT HAS BEEN OVER SEVEN YEARS ). BALANCE : XXXX XXXX. XXXX XXXXXXXX XXXX/CREDIT ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX
Product: Credit card or prepaid card

I am being charged and held responsible for a fraudulent purchase done on XX/XX/2021 using my PayPal credit account in the amount of XXXX at XXXX The ordered products were never received and as per PayPal terms they should resolve this issue
Product: Mortgage

On XX/XX/XXXX I received a notice that my mortgage had been transferred. I received a 7 page mailing. My mortgage was auto paid and I did not understand that the actual payment location had changed as well. I continued to make my mortgage payments though the auto payment system. At no time was I ever contacted or informed that there was any issues with the payments. 

On XX/XX/XXXX I received a letter from my original lender stating that my XX/XX/XXXX payment was returned and they would no longer accept payments. On XX/XX/XXXX I received a late notice from the new lender stating that late charges were assessed to my account. After I called and verified the account I paid the lender immediately ( XX/XX/XXXX ). 

Evidently the payments were being forwarded from one lender to the other and I was never contacted or informed that there was any issue with the payment or the transfer process until XX/XX/XXXX after the 60 day grace period was over. This notice should have came before that so I could have cured the issue and avoided these fees. 

I contacted both lenders several times and explained that I paid the mortgage on time and in good faith, that is was returned and that I disputed these charges. Their response was disappointing. They claimed that they had no duty to inform or contact my at any time as to the payments or issues with the transfer of the loan. 

I believe that both lenders has a duty to keep me informed during the transfer of any and all issues that may affect the standing of the loan. They should have a duty to make both live contact and written correspondence of these actions and let me know what is needed to remedy them. They should have process in place to deal with the situation of delinquent payments AND payments being forwarded during a transfer. They did not make any contact with my during the first 60 days of the transfer and was to their advantage. I would have been a simple fix had I received this same information in advance. 

The lenders failed to keep me informed, took actions without keeping me informed and only after the 60 day period was over did they contact me about the payments.
Product: Mortgage

On the XX/XX/XXXX, I logged onto the Wells Fargo website to make my XX/XX/XXXX payment. I made my payment as I always do. When I logged in XX/XX/XXXX to make my XX/XX/XXXX payment the site said that I was do for the XX/XX/XXXX payment. I called Wells Fargo and asked them what happened why did they not process my payment? They said they would do an investigation and let me know the result. They have now just told me that they did not see any errors? I always pay my account online with them and i have never had any late payments. I always make sure that I never pay beyond the 30 day period as I need to protect my credit. My credit is perfect, I have no lates at all, my Fico score was nearly 800. I just found out that Wells Fargo have now reported me as having had a 30 day late, I checked my credit and my score has dropped to XXXX. They have caused me financial harm. 
I asked them to correct this and withdraw the late report they have sent to the credit bureaus. They are saying they will not. Of course even their records indicate I am up to date with them since both the XX/XX/XXXX, XX/XX/XXXX payments have been made. This 30 day late they have reported took place through no fault of mine, why the payment did not process I have no idea why. I will be happy to send you a copy of my credit report which shows that I have perfect credit to prove that I never pay late. 
I very much appreciate your help in resolving this matter.
Product: Credit reporting or other personal consumer reports

On reviewing my credit reports, I noticed inaccuracies in the reporting of several accounts, which are not compliant with the Fair Credit Reporting Act ( FCRA ). Specifically : XXXXXXXX and XXXXXXXX : XXXX reflects a balance of {$14000.00}. 
Experian reports a balance of {$0.00}. 
XXXX reflects a balance of {$14000.00}. 
These discrepancies demonstrate a failure to report consistent and accurate information across the credit bureaus. As mandated by federal law, all accounts must be reported with 100 % accuracy. 

I have attempted to verify this information and attached a screenshot highlighting these inaccuracies. The discrepancies suggest negligence or noncompliance on the part of the creditors and data furnishers. 

XXXX and XXXX, in particular, have failed to report accurately to Experian, which is a violation of their legal obligations under FCRA Section 623 ( 15 U.S.C. 1681s-2 ). This lack of compliance is unacceptable and warrants immediate correction. 

I am requesting that all inaccurate accounts be corrected or removed from the credit reports promptly. 

This is a formal demand for accountability and compliance with federal law to ensure the accuracy of consumer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 

I DID NOT GIVE CONSENT OR INSTRUCTIONS, for XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX or consumer reporting agencys to put late payments on my consumer report, without my knowledge or instruction. 


DELETE or REMOVE, or update the account to never late/ paid on time! Immediately!
Product: Vehicle loan or lease

They reposed my 2020 XXXX XXXX which had less than XXXX miles on it with a blown-up motor due to recalls that were on the truck. The XXXX XXXX agreed to pay the monthly payment for the time the truck was in the dealer getting repaired but XXXX denied the warranty repair claim with no reason, and the truck was under manufacturer warranty at the time. My truck was then towed to a storage yard without notice with all my belongings, I own a plumbing company and I had over {$10000.00} of tools, a Camera with a monitor locator that is {$9000.00} alone plus tools XXXX XXXX hoses, XXXX rool of copper bags of hand tools and more in the truck and bed that had a brand new rolling hardcover on the bed that locked carpet and tool organizer custom I paid almost {$5000.00} just for that. I had a brand new radar detector XXXX XXXX for {$900.00}. a safe that was made for the center counsel for {$500.00}. Brand new 2 new Subwoofers in custom box, amplifier. I paid {$3600.00} for the stereo subs, box, and amp plus {$2000.00} for installation. I had a brand new airbag lift kit that was custom made for my truck that was not even installed yet that was still in the boxes in the create that I paid {$8500.00} for that took over a year to have made and delivered. So all in all I lost a lot and nobody will do anything abo?
Product: Mortgage

I was granted trial payments for a loan modification in XX/XX/2016 I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of refinancing my house and the title company and US Bank fail to send the payment before the due date.
Product: Credit reporting

( The above is the confirmation number on the results of my dispute from equifax -dated XX/XX/XXXX ) What Happened : A XX/XX/XXXX bill from XXXX XXXX that I do not owe was placed as an collection item on all of the Credit XXXX XXXX XXXX. I successfully disputed the debt, having ask that the debt be validated, which they can not do. 
Then around XX/XX/XXXX the debt was was re-inserted to the credit reporting agency.s I received NO notice of this re-insertion. I only found out late in XX/XX/XXXX by checking credit karma as I was thinking of buying a car after the XXXX of this year. I immediately disputed with Transunion and Equifax. I received notice last week that Transunion has removed the item from my report. Equifax just sent notice that they were not removing the item. Please advise Equifax of the rules on re-insert and have this item removed. Please let me know if you need any additional information. 
I have attached a copy of the XX/XX/XXXX, reply from Equifax.
Product: Checking or savings account

If I could speak to somebody I can go over my statements with them but it's been over XXXX in the past 2 months from m & t Bank
Product: Debt collection

AWA is trying to collect on a debt, that was initially settled prior. In agreement with original company XXXX XXXX XXXX. This is a XXXX XXXX. In which, account was suppose to be an {$500.00} pay-off at the Primary account holders time of released ( 2018 ). 

It was agreed to pay two payments of {$250.00}, that was paid prior to collections. In addition, I was not suppose to be the co-signer of this bond. My bank information was only suppose to be used to pay this debt/bond in full at the time of service. Furthermore, this bond is on a case that was never committed or fault, or guilt. 

XXXX XXXX XXXX and AWA Collections. Refused to acknowledge such agreement. I feel my rights and personal information was used to furnish this debt/bail and that original company completely mishandled, mislead, and fraudulently obtained my information. If In fact, I legally owe this. I am requesting the right to properly dispute. As again, I was unaware of such matter.
Product: Credit card or prepaid card

The company have repeatly charge late fees with out sending notifications for the notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian Credit Bureau is reporting a different information compared to the Credit Reporting Agencies. The public information : Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed Date : XX/XX/XXXX, is only reporting in Experian Credit Bureau XXXX This Information was removed by the other Credit Bureau from my Credit File and I wonder why would Experian still report this information if it is already removed from the other Bureau? I sent Experian letter on XX/XX/XXXX informing them this Public Record was incurred due to Fraudulent activity and I never received any benefits concerning this information. The other Credit Bureaus did their job and removed this information from my Credit File with accordance with the Fair Credit reporting Act section 605b. Only Experian is the one reporting this item without conducting a proper verification. If only their Record Keeping could have been accurate, this public record which is allegedly mine should have been removed to display only accurate information on my Credit File. I am submitting this complaint with the help of the Consumer Financial Protection Group to protect my rights and report only accurate information. If Experian claims that this public record belongs to me, I will be asking Experian to produce a copy of a document that contains my signature. If Experian fails to provide what I am asking for and continued reporting this item on my Credit File, please understand I will start to take legal action and sue Experian for the damages made by their ignorance and negligence. Remove this Pubic record immediately from my Credit File!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian disregard complaint XXXX, this complaint is missing crucial evidence. I am filing this complaint against Experian for refusing to provide me with the membership benefits such as daily Experian and monthly XXXX and XXXX credit scores as advertised.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : XXXX XXXX {$3200.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX XXXXXXXX {$6200.00} XXXX XXXXXXXX {$980.00} XXXX XXXX XXXXXXXX {$2900.00} XXXX XXXXXXXX {$2400.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXXXXXX {$1900.00} XXXX XXXX {$3000.00} XXXX XXXXXXXX {$430000.00} XXXX XXXX XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report. 

A Charged Off turns into a certificate of indebtedness Charge offs become income according to the IRS XXXX XXXX XXXX only apply to my income tax so remove immediately!!!!