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

I have 2 late payments on my account because I attempted to pay it online repeatedly a few times and I kept getting kicked off the site because of technical issues. I trusted that the problem was fixed the following month but it appears it wasn't. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated 15 usc 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit card or prepaid card

XXXX Received multiple alerts from My credit monitoring agencies showing a fraudulent Credit card application from XXXX XXXX/chase bank for a new account. XXXX XXXX reported that the application contained nothing correct but ssn. XXXX contacted chase bank to report this fraud and found that they had not verified any information from the application but had already run a credit report from XXXX XXXX ( causing a hit to my credit score ) and were at the point of issuing a physical card. When asked how they had verified the application, I requested the information used. Much to my disgust, they then refused to divulge the information they had used to verify this application. This is why Identity theft is rampant. Where is their responsibility to be responsible lenders and monitors of this type of behavior?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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 the account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX 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. 2025-CFPB-0002 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account ( XXXX ) impacting my credit XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX 2017
Product: Credit card

I noticed a Credit card refund not requested by me and as far as I can tell not issued by the merchant. I contacted my credit card company that the transaction was in error and the account was most likely compromised. They asked me what I want them to do, and I believe I said to them is Flag it, reverse transaction and I'll payment the full amount due and have the account closed. The amount of the refund transaction in error was {$31.00} the merchant was XXXX XXXX. And the credit card was issue by chase bank.
Product: Vehicle loan or lease

I have reason to believe that there are discrepancies in how my voluntary repossession was handled by Nissan Motor Acceptance Corp. during my illness. They are reporting a balance of {$8100.00} on my credit reports and this inaccurate information is damaging my credit. Via email I would like to receive copies of the following documents for my lawyer to review : 1. retail installment contract ( all copies ) 2. All copies of correspondence from NMAC regarding the repossession 3. Copy of auction notice with date and location 4. Proof of delivery of the auction notice 5. Sale amount 6. Letter confirming the deficiency balance 7. Computation of vehicle value at time of auction 8, Disclosure as to whether auction was a public or private sale 9. Accounting history of all payments received by Nissan Motor Acceptance Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from XXXX  and XXXX  to my requests. I did receive a response from Equifax but not all of my issues were fixed.
Product: Debt collection

I have a child who was covered under his father with XXXX. Because he was considered XXXX the state of tx stepped in and gave his secondary insurance through medicaid. Which covered ALL unpaid expenses XXXX did n't cover. Over the course of about 2 years the Dr 's and hospitals my son was seen at neglected to file with BOTH insurance companies after I repeatedly told them to do so. I provided the information needed and the insurance cards as well. A couple years later, I have now had XXXX collection accounts show up on my credit report. Some for as little as {$30.00} simply because they did file with XXXX but not with the medicaid. XXXX will not pay after 90 days so these companies sent the bill to his father who covers him under XXXX. I never got ANY bill. Yet, all of a sudden I have all these collections. I have disputed and tried to get these companies to understand that he was covered and should have filed with the ins but they say it is not MY responsibility. I feel the debt is not mine because I made sure to give them the information necessary to get paid. The child was fully covered for 100 % of his bills, and simply because they were too lazy to file they want me to pay all of these. How is that fair? These accounts are the ONLY negative accounts on my credit report, and since they broke them up into {$30.00}, {$39.00}, {$43.00}, etc I have XXXX collections accounts. This ruins my credit and my chances at getting good rates with any financing for cars, houses, etc. This needs to be fixed and changed. It't not right that they can pull this and it should be illegal.
Product: Mortgage

I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.
Product: Payday loan, title loan, or personal loan

My loan with this company was supposed to be completed on XX/XX/XXXX. However they have continued to pull funds from my bank account without authorization and after doing stop payments. They keep changing their name so the stop payments dont work. Please help me stop these payments from coming out of my account and refund the payment taken on XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX i have A debt collection account that's reporting nagative on my credit report. the debt collection account is not mine it shouldn't be reporting on my credit report at all. I was appyling to obtain lines of credit but i kept getting denied because pf this negative account, i just want the cfpb to resolve the issue. 

Accounts : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  with Citi Mortgage for several years. Citi closed the account in XX/XX/2017 due to inactivity for over two years. The account was closed with XXXX balance due and I was NEVER late on any of my payment while the XXXX  was active. Citi has reported the account closed 120 days delinquent to both XXXX and XXXX. XXXX has the correct information. I have written to Citi several times and each time I receive a form letter saying they believe the information reported to be correct. In my last letter I demanded that they provide specific dates and amounts as to when the account was delinquent, they have refused to provide that information. I have reached out to both XXXX and XXXX who say they are not able to correct the account status. This incorrect information has a XXXX point impact on my credit score. I appreciate your help in resolving this error.
Product: Debt collection

I received a collection notice from this collection agency which is unknown and what is weird they are not even license to collect in my state. I mailed a notice requesting validation and nothing has ever been received. I informed them in writing I am disputing this. Nothing has been received and I was just alerted now it is listed on my personal credit file. Please help
Product: Debt collection

I have Requested validation of debt and they keep claiming they have sent Validation which I never receive. I have sent letters asking again for validation or requesting removal of this collection account from my credit report AS OF XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX INQUIRIES XXXX XXXX Inquiry Date XXXX and XXXX XXXX Inquiry Date XXXX
Product: Mortgage

Completed a loan modification with XXXX XXXX in XXXX. As part of the process XXXX started foreclosure proceedings, however completed loan modification instead. No fees for foreclosure were charged to me because XXXX chose to complete modification. In XXXX XXXX sold my loan to Seterus Inc. Seterus has been demanding that I pay a significant amount in fees and penalties. After multiple requests from me Seterus finally sent me a breakdown of these fees, showing that they are related to foreclosure procedures by XXXX. Since XXXX completed my loan modification, these fees can not be charged to me as XXXX did not charge me. 
Documents available on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that there would be a soft pull promotional check on my report and I ended up with hard inquiries. 

XXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX, of XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently looked at my Credit Report and I noticed some hard inquiries and accounts that did not have permissable purpose. I've also attached Dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there are multiple collection accounts listed on my credit report, from various creditors, which I firmly believe are inaccurate and incomplete. I will provide the relevant details below : Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$860.00} Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$2000.00} Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$1800.00} The inaccuracies in the reported amounts and dates of first delinquency have left me feeling vulnerable and powerless. I have always been diligent in managing my credit and financial responsibilities, and I deserve accurate and fair reporting as outlined in the Fair Credit Reporting Act ( FCRA ). 

I initiated disputes with the credit reporting agency on XX/XX/XXXX, firmly believing that my concerns would be addressed promptly. However, to my disappointment and dismay, there has been no response or acknowledgment of my dispute. This blatant disregard for my consumer rights, as protected by FCRA Section 611 ( a ) ( 2 ), has added to the frustration I am experiencing. 

As of today 's date, XX/XX/XXXX, I have yet to receive any written results of the investigation. The inaccurate collection accounts still remain on my credit report, which directly violates my right under FCRA Section 611 ( a ) ( 3 ) to have inaccurate or unverifiable information corrected or removed within a reasonable time frame. 

Furthermore, my request for verification of the debts, as mandated by FDCPA Section 809 ( b ), has fallen on deaf ears. I have not received any response or verification from the original creditors, leaving me feeling disregarded and dismissed. 

Behind these collection accounts are not just numbers but a real person who strives to be financially responsible. The impact of these unjustified entries on my credit report goes beyond numbers ; it affects my ability to secure loans, housing, and employment opportunities. I feel my financial wellbeing and peace of mind are at stake. 

I am reaching out to the CFPB with this complaint, as I trust that you will take these violations seriously and conduct a thorough investigation into the accuracy and validity of these collection accounts. My hope is that you will intervene and ensure my rights as a consumer are upheld. 

Please communicate with me promptly, providing updates and information about the progress of the investigation. Your timely assistance will not only alleviate my concerns but also reaffirm my faith in the regulatory system that is in place to protect consumers like me. 

Thank you for your understanding, and I look forward to a resolution that restores the accuracy of my credit report and upholds the principles of fairness and consumer protection. 

Sincerely, XXXX XXXX
Product: Credit reporting

I LEGALLY resumed my maiden last name on XX/XX/2014, since then I notified all my creditors to change my last name from XXXX to XXXX, I have the deed ' for my house changed, my vehicles, US passport, ALL documents and creditors have been changed including XXXX and XXXX. Well the issue is against Trans Union, they have told me over and over that they can not change my primary last name to XXXX because they claimed that my creditors are reporting me under the old last name. I have confronted ALL my creditors 3 times, and none of them are reporting me with the old last name. 
All I want is for Trans Union to report my legal name correctly, it is impossible to deal with them ... .How come XXXX and XXXX do not have the same issue? 
I find it illegal that Trans Union will not speak to me unless I give them my old last name. 
I need this rectify asap.
Product: Vehicle loan or lease

Date Of Transaction : XX/XX/year> The Amount Of Money I Paid The Business : {$6500.00} Down Payment, {$24000.00} For The Car What The Business Committed To Provide You : The Sales Agent Told Me The Car Was {$13000.00} What The Nature Of The Dispute : He Lied And Forged Random Stuff On My Contract I told Him I Can Only Afford A XXXX and under car. That Is The ONLY Reason i bought the car. Because it was affordable. And I Just Turned XXXX. The Only Reason I'm mentioning something this late is because i just got To Look At The Falsified contract they sent me via email a couple months ago because i was wondering why am i still paying on this XXXX. It makes my blood boil because nobody is trying to believe me or hear me because its a big company. these ppl real deal make you sign a paper version and forge your info into a virtual document so that way Lawyers cant do to much because they are a fraudulent company. Yall know what yall do to people, i wont stand for it. Just look aXXXX XXXX XXXXXXXX XXXX. they did me wrong, signing me up as a minor without my parents present and manipulated me. I'm not trying to threaten no one, but the right amount of word of mouth and the amount of people I'm going to petition to come together and i pledge to continue until the business is gone just like XXXX XXXXXXXX XXXX, I'm done playing with people. IM TIRED OF NOT BEING HEARD OR COMPENSATED. 


Whether Or Not The Business Has Tried To Resolve The Problem : No They Keep Brushing me off until i be the one to make them file XXXX. I'm trying to be nice, XXXX XXXXXXXX XXXX didn't listen, now look at them. this the second time i made a complaint. if this one get bushed off, I'm going full throttle. 

If Issue Involves Advertising, When And Where The Ad Was Seen Or Heard : yes they state the price of the car but that isn't the actual price
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$1100.00} XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters repeatedly to Equifax, XXXX  and XXXX  requesting to remove inaccurate addresses from my credit report. 

Equifax has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.
Product: Credit reporting or other personal consumer reports

I have enclosed documents to prove these accounts are fraudulent and XXXX still have removed them. Under 15 US 1681c-2 These accounts should be removed> I'm enclosing supporting documents ( Notizied Affidavit, FTC report , past Police report and a present police report. )
Product: Credit reporting or other personal consumer reports

I strongly request you to address and rectify the unauthorized accounts on my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but XXXX XXXX has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with XXXX XXXX.