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

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), it the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notities the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed intormation is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account XXXX XXXX XXXX. The balance amount is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I am dealing with a serious fraud issue with someone. He took out a mortgage loan, originally {$420000.00} it is now {$470000.00} with myself as co-signer about 10 years ago. He was supposed to take me off this loan after a short while and make payments on the house in XXXX N.Y. XX/XX/XXXX was the very last payment he made on the house according to my credit report. And he has not paid a dime since! my credit has suffered tremendously and I want to be removed off this loan and I have asked him multiple times over the years. 

I went into TD bank today ( Friday ) in XXXX and spoke to someone who advised me to contact the Credit Bureau and the FTC ( federal trade commision ) and also to seek legal advice. She said I can refinance to be off the loan but to my knowledge I was taken off the house but left solely on the loan ruining my credit. He refinanced XX/XX/XXXX according to XXXX XXXX without my knowledge or consent. I am under the impression that I have to be present to sign documents and I was not. This is fraud!! My credit score went from XXXX to XXXX because of the mess. I just want my life and credit back so I can apply for my own loan for a home with my Fiance '. I have been dealing with this for a few years and gave him countless opportunities to fix it. I have addition information if needed like names, addresses for example. Please reach out at your earliest convenience. Thank you.
Product: Money transfer, virtual currency, or money service

Disputed an unauthorized transactionthey legally have up to 10 business days to give me a response or issue a provisional credit to my accountthat has not been donethey have been contacted multiple times. This is an issue with venmo
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : SYNCB/CARE CREDIT XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Student loan

This morning when I arrived to work there was a phone call from Navient. They did not leave a message. Later in the morning, Human Resources provided me with a fax regarding a request for employment information. It was assumed that I was looking for work. This could put my current job in jeopardy. I have not contacted Navient to discuss this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile telephone account opened at XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX XXXX  on or around XX/XX/XXXX under account number XXXX, a credit card opened at XXXX XXXX XXXX  on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX XXXX  on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX  XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX on or around XX/XX/XXXX account number XXXX and an Inquiry from XXXX XXXX XXXX on or around XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

They call 4 times a day they sometimes call before XXXX XXXX or later than XXXX XXXX they try to verify over ssn number and refuse to tell you anything until you give out your ssn and refuse to give out there name they call multiple times a day every day except Sunday they have multiple different numbers they call from some local others non local
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I see that One Main Financial is showing as a inquiry on my XXXX credit report from XX/XX/year>, I did not inquire anything with One Main Financial, it must have been someone else, and I am just becoming aware. I have filed a complaint with identitytheft.gov as well.
Product: Debt collection

I declared bankruptcy on XXXX and submitted this vehicle debt and it was collected by the bankruptcy. 
Please remove this that is reflected in my credit report, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and Transunion credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Product: Money transfer, virtual currency, or money service

I was caught in a scam purchasing a puppy. I XXXX the breeder later realizing it was a scam. Never received the puppy and was a fake online. 
I filed the dispute with my bank immediately the same day. The woman on the phone told me I would have my funds 7-10 business days. From that period to the 10th business day I had spoken to 4 other associates who all told me I would receive my funds within that 10 day period. I called on the 10th and 11th day and was told I would receive the funds the following Monday ( yesterday ). I called yesterday the woman told me she wouldnt send an email to figure out where my funds are and would have an answer and the funds in my account by today. I called today. The first person told me they had no answer and no information. I called back. Spoke to a gentleman who told me that I wouldnt receive my money back. After weeks of battling this bank and being hung up on constantly, transferred over and over and over again, I basically got told to kick rocks and I wont see my money back. I was told by MANY people I would receive it back a week ago and never did. Even yesterday was told I would see it back and now Im getting a different answer. Im so frustrated with this bank I will never use them again and I will be discontinuing service with them. They are supposed to protect my money and yet they cant protect a scam on my account and then give me false information as to where and when I would get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account with my written instructions
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX 1and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 reported in XX/XX/year> to be removed 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.

This company 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!

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

Consumer Financial Protection Bureau, I hope your day has been great, and I'm happy there will be some justice with this matter after you get a hold of it. 

Unauthorized Hard Inquiries XXXX XXXX XXXX  XXXX Credo  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX
Product: Debt collection

Collection of an account in someone other than me 's name and versifying incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten into TransUnion XXXX XXXX and 3 XXXX XXXXXXXX credit cards all past and new or current emails all online banking accounts and identity theft account as well as my food stamps. I have even been charged with criminal charges that I did time served for that aren't my responsibilities or obligations. I need serious help to overcome the identity theft and fraudulent accounts that have been accumulated in my name driver 's license and social security number.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not authorize these companies to run my credit. I've attached my FTC report. 

According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Product: Debt collection

ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT. 
Two cars were purchased in my name, same used car dealership, same day. I finally received the application from Capital One Auto Finance today after years of request. The application was incomplete, not dated and reflects INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. The work phone and home phone numbers and email address are not mine. The contract also includes a phone number that is not mine. Salary is listed as {$25000.00} which is a lie. The Capital One Auto Finance application and contract are attached as EXHIBIT A The attached EXHIBIT B is the application and contract for the other car purchased in my name, same day, same used car dealership.. The application is dated XX/XX/2017 and the contract is dated XXXX/XXXX/2017. Salary is listed as {$300000.00} which is a lie. This claim was dropped because of permissible purpose and obvious wrongdoing. 
Capital One Auto Finances application should have never been processed because it is incomplete. Capital One Auto Finance did not have permissible purpose to access my credit per FCRA and the wrongdoing is obvious.
Product: Debt collection

This account was paid in full back in XX/XX/2012. If you have proof that I am responsible for this debt, mail me the sales receipts for validation. 
I need my credit report to be updated and this debt to be cleared. 
Thank you for your cooperation.
Product: Money transfer, virtual currency, or money service

My original email for my account became unusable. 
So I could not get into my Venmo, transfer money or change my password. 
I sent their customer service a request. 
They have asked me for my ID with my picture. 
I sent my driver 's license with my picture and my passport with my picture. 
They still have not changed my primary email and I do not have access to about {$9000.00} to {$10000.00} which I need for a trip. 
I want to send the money to my XXXX XXXX XXXX account as I don't really need or want Venmo anymore The customer service is terrible. 
I hope you can change my primary email to XXXX and resolve the situation. 
Thank you.
Product: Debt collection

I have sold this car before the incident i have proof of the bill of sale and copy of driver license of the person that bought this car, also i have reported a release of liability to the dmv 3 times and also went to highway patrol to report it was not my car, they said it was fine, because i showed them my release i reported to dmv. THEY WERE VERY ABUSIVE, BY NOT LETTING ME TALK, they continue saying it is our responsability and it is our responsability, i have the proof that the car was mine only not my son XXXX XXXX, and that i have sold car to the person, I've reported in the release of liability. I'm sending you copies of this documents.
Product: Credit card or prepaid card

I received a package with my name and address that I did not order from a company I have never ordered from ( XXXX ). I checked my credit card and it showed XXXX charges ( XXXX from XXXX and XXXX for a website I've never heard of ) totalling around {$400.00}. All on XX/XX/22 around XXXX when I know for a fact I was at my doctors office at that time. I have contacted my credit card company to report the fraud. They canceled that number and will be issuing me a new card. And will be returning the products I recieved. But I am worried that my name, address and credit information has been stolen so wanted to file a report in case they open new lines of credit in my name.
Product: Mortgage

Went to refinance with Planet Home Lending. They told us we could skip XXXX and XXXX payments then close in XXXX. Still dont have a closing date. Now its negatively affecting our credit score because now they want us to pay for the months we missed.
Product: Debt collection

I filed a complaint with CFPB on XXXX about Comenity Bank and XXXX XXXX. CFPB sent me the results of the complaint after the company responded. The company me a letter saying to write them with the account number. How would I know the account number when the account was opened through Identity Theft? I would like this taken off my credit because it is affecting my credit score. The original complaint number is XXXX. Thanl you for your assistance,
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did proper investigation according to the FCRA. It has been XXXX or more years now since I've pay off my loan an i still seeing a charge off on my credit report. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such item of information. They did not do this. Also they have violated my rights ever more. In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigation but how is so if the inaccurate an the account is not deleted this ground foe removal. They also violated the laws because according the 15 U.S.C 1681 section 602 A. state i have rights 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. I did not give anybody written instruction.