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

Dear CFPB, I am filing a formal complaint against XXXX for reporting inaccurate and misleading information on my credit report. Despite my efforts to dispute this directly with XXXX, the incorrect information remains uncorrected, causing harm to my credit profile. 

Details of the Complaint : XXXX XXXX XXXX : XXXX Account in Question : XXXX XXXX ( Closed Account ) Date of Credit Report : XX/XX/year> Nature of the Inaccuracy : Incorrect Charge-Off Reporting : XXXX is XXXX a {$460.00} charge-off that is inaccurate. 
Incorrect Delinquency Information : The report incorrectly reflects a {$310.00} past due balance and multiple charge-off notations, despite this information being either outdated or incorrect. 
Improper Payment History Reporting : There are inconsistent and erroneous late payment records on this account that require verification. 
I have attached a screenshot of my XXXX report, showing these inaccuracies. 

Violation of Consumer Rights : XXXX is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure that credit information is accurate, complete, and verifiable. However, they have failed to investigate and correct the disputed inaccuracies. Given the recent {$480.00} XXXX CFPB fine against XXXX, it is clear that XXXX has ongoing systemic issues in handling disputes and maintaining accurate consumer records. 

Requested Resolution : CFPB XXXX : I request the CFPB to investigate Equifaxs failure to properly verify and correct inaccurate information. 
Correction of Credit Report : I demand XXXX remove or correct the disputed items and provide written confirmation of the correction. 
Accountability : Given Equifaxs history of mishandling consumer data, I urge the CFPB to ensure compliance and impose further penalties if necessary.

This inaccuracy has negatively impacted my credit score and financial opportunities. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

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

I have tried logging in to dispute a medical debt on my credit report that is not on any of my other reports. The debt in question provides no phone number or address to contact this creditor and equifax allows this information to be reported. From my understanding of the FCRA and address and phone is required to be on the report. I have tried to dispute this information on my equifax credit report however their system will not allow me to. The last XXXX of my ssn are XXXX date of birth XXXX/XXXX/XXXX and my address is XXXX XXXX XXXX XXXX tx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been offering me help with customer services as credit or loans that i urge to help my family and my little baby coming. My credit some how is just killing me with all fake companies abusing my credit info. I have maybe 2000 screen captures and info from XXXX helping me fight debts i dont even know what happened. I try to get some help getting some stuff but i just feel help less and suffering XXXX XXXX makes this controversial experience of abuse towards me a XXXX. Saturday XX/XX/XXXX. XXXX XXXX  The One who wants to make a change in this world I would love to see from others.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card

Last month I did speak to an agent about inters charged to my account which was {$170.00}, only on interest. They tell me an answer that I considered good and assured me next month would be much less. I agreed hoping this month would come lower. Problem is this month the interest charge is {$160.00} and for me is outrageous high. Its ridiculous. I didnt call them this time because they always have an inconsistent response for customers.
Product: Credit card or prepaid card

Hey I'm XXXX XXXX and I have Never had a credit card and recently found out that I've been getting XXXX  for my credit for almost XXXX  years!!!! Because of this it would be almost impossible to round up all the documents for you, But if it's helpful I know who's been doing it!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I'm aware of, PLEASE HELP ME, ITS EXTREMELY TOUGH ON ME TO GET BY AND ITS EVEN WORSE THAT ITS XXXX THANK YOU
Product: Debt collection

XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my debts have been paid in full. 

If this is not removed within 30 days, I intend to file suit.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX  XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 

Background and Details of the Complaint : Record Type : XXXX  XXXX bankruptcy discharged. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy.

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,
Product: Debt collection

i suspect this company took off with the money that was owed to XXXX  XXXX XXXX. and no im left with a debt.
Product: Debt collection

- XX/XX/XXXX : I rented a car from XXXX in XXXX who was almost 2 hours late in supplying me a car at the pickup time specified on the original reservation. The result was a wasted business trip where I missed 2 of 3 of my meetings and was unable to join two conference calls. I was charged {$59.00} for the botched rental and tried to work with the merchant but they were uncooperative. 
- XX/XX/XXXX : I logged a dispute on my credit card. XXXX never responded and hence I won the dispute. 
- XX/XX/XXXX : I had a car reservation at XXXX ( who owns XXXX ) in XXXX XXXX and denied exit from the lot due to the {$59.00} they believed I still owed. At their customer service desk I was advised to contact their XXXX department who in turn transferred me to Transworld Systems Inc ( TSI ) who informed me I could not rent the car until I paid {$59.00}. I advised them this was an invalid debt and nor did I ever receive a 30-day validation letter mandated by the FDCPA. They told me they did not have to send one and without a payment I would not be able to rent from XXXX. Given I was stuck in their lot and behind almost 2 hours in getting to my destination, I charged the {$59.00} on my credit card and advised them I would dispute the payment on the invalid debt and report the FDCPA violations to the CFPB. 
XX/XX/XXXX : The {$59.00} charge was placed into dispute and TSI was contacted by my credit card bank on XX/XX/XXXX. In the meantime TSI continuously calls me without leaving a message which would be a UDAAP violation XX/XX/XXXX : As of this date TSI has not responded to the dispute and must do so by XX/XX/XXXX in accordance with Visa chargeback rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my credit report some time ago and I wanted to point out that XXXX has been participating in racketeering activities and has abandoned their fiduciary duties as a financial institution. 29 U.S. Code 1109 ( a ) states that any fiduciary that breaches any of the responsibilities, obligations, or duties imposed upon fiduciaries by this subchapter shall be personally liable to make good. According to the United States Congress, no transactions of mine should ever be reported to any third party. Who gave you all any permission to report any information about my DEPOSIT account that I had many years ago, and the additional boldness to continuously declare up until this time to claim fraudulently that you have received insurance payments by updating about the account status that should not be there in the first place. This financial institution is masterminding along with the credit reporting agencies to acquire my PERSONAL INFORMATION and furnish it to damage my name willingly and falsely update the information and resetting the time of removal naturally. Let this be my official complaint. Your policies and corruption do not over see the LAW of the UNITED STATES OF AMERICA. I will be reserving my rights of litigation that are allowed by the law up to the amount of {$1000.00} for each violation. Not only to the financial institution but also against Transunion, XXXX, and XXXX for furnishing inaccurate and incomplete information and participating in extortion and debt parking, and racketeering activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are unauthorized and were established due to a data breach that compromised my personal information. Under 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Westlake Portfolio Management reported an incorrect balance to all XXXX credit bureaus causing my credit score to drop. I spoke to a representative and they did nothing to fix this over the phone. I emailed the email provided and still have not received a response of their mistake. Westlake reported a balance of XXXX when my actual balance is XXXX. I lost credit points since they reported a {$190.00} increase which is false. This is the third time that Westlake had messed up my credit report and reported inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this to equifax before that my last name in my credit report is reporting wrongly as XXXX. I never had formerly name XXXX. My correct last name is XXXX. I submitted my social security card and passport biographic page that has my correct information and it was correct and it reappear again.
Product: Checking or savings account

I had held a " Totally Free Checking Account '' with XXXX XXXX XXXX for longer than 20 years. About two years ago, XXXX XXXX XXXX  acquired XXXX XXXX XXXX  and my checking account. About a year or more ago, XXXX XXXX began charging me {$10.00} per month for having a low balance on the account. I received no notice prior to the " fee '' being removed for my account. I stopped the automatic deposits into that account and asked the bank to close the account. They informed me that I would need to visit them and bring identification in order to close an account that they did not want to service.This is a hardship to me as I have mobility problems. 

I am asking to have my now unfunded account closed and to have my " Totally Free Checking Account '' agreement respected. I am asking for a refund of the monthly {$10.00} deductions. I would like my money returned as I never agreed to banking with fees.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XX/XX/XXXX and XXXX XX/XX/XXXX If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$2900.00} XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I have never been late in paying any accounts, and I always pay on time and did not give written consent for the reporting of these late payments. The accounts with reported late payments on my credit report are inaccurate and do not reflect my actual payment history. CALIBER HOME LOANS, IN 's reporting of these late payments violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request an immediate investigation
Product: Mortgage

On XX/XX/XXXX, The Money Source processed a mortgage payment from me. On XX/XX/XXXX, The Money Source sold my loan to XXXX XXXX. The Money Source is required to forward those funds to the new servicer within 60 days. They have not. I called and spoke with both XXXX XXXX and TMS about this issue a few weeks ago to better understand what the delay was, and when the payment would be credited to my new account with XXXX XXXX. The Money Source assured me it would be done by XX/XX/XXXX. It has not been sent. I have followed up with The Money Source by email and am waiting to hear back. During this time, XXXX XXXX has required an extra payment to keep my account " current. '' The amount that TMS owes is {$3600.00}. In the meantime, I have had to make the " extra '' payment of {$1600.00} to keep my account with XXXX XXXX current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closure date is XX/XX/2018. Reported for overdrafts, charge off amount is {$650.00} closure unpaid. Im not sure why this account was opened or why it was overdrafted but it wasnt me, I didnt open an account with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.
Product: Credit card or prepaid card

I mailed a payment to TD Retail Card Services ( Raymour & Flanigan ) on XX/XX/19 from my bank 's bill payer, this payment did not arrive to TD Retail Card Services until XX/XX/19, this payment was for XXXX. I mailed another payment to this company on XX/XX/19, it arrived on XX/XX/19, this was my XXXX payment. They called me to tell me my XXXX payment was not made and when I showed them that it had been, they stated they applied both payments to XXXX. I told them that this was incorrect and it needs to be applied to XXXX and then XXXX. I spoke with three different people who all stated this wasn't allowed and they refused to make the correction. The last person I spoke to, XXXX, ID XXXX, Customer Service Supervisor - XXXX, SC, told me that they would not reapply my payments and they are doing " nothing wrong ''. This is unacceptable that a credit card company won't apply the payments the way the Consumer stipulates, so they can ruin credit with an " over 30 day late '' notice on their credit report. A bank loan would not be allowed to do this, these payments have to be applied the way a Consumer stipulates. I need help getting my payments properly applied to my account.
Product: Credit card or prepaid card

My wife and I went to XXXX XXXX XXXX in NJ on XX/XX/19 and we purchased a Dining room set and Rug. 
The receipt says 5 year warranty. They told us we could finance the purchase with no interest. They arranged the financing through Synchrony Bank aka Synchrony Financial. They opened a credit line up to {$7000.00} but the items we purchased came to {$3900.00}. The items were delivered on XX/XX/19. Later in the day we smelled a terrible toxic smell from the table and chairs. We called the merchant the next day. My wife has XXXX and she had to use the XXXX several times in the night. The merchant told us to open the window, and let the wood air out and it would go away. The smell never went away, and it began to smell up our entire house. We kept calling the merchant, and he was ignoring our calls. Finally we went to the store on XX/XX/2019 to demand that they take back the furniture. The manager cursed at my wife and said some terrible things to her. On XX/XX/19, the merchant sent 2 men to pick up the items. They showed us a paper that said exchange, and we crossed it out and put return. They refused to give us a copy or receipt of the pick up. We have a video of them picking up the items. The Mgr. wanted us to come back and select different furniture. We refused because of the way he treated us and insulted my wife. During this time, we notified Synchrony Bank of the dispute and they asked us to make a small payment while they investigated. We refused because the merchandise was toxic and returned. Synchrony did an investigation and wrote us a letter that said we have to pay the {$3900.00} because the merchant told them we still have the furniture. The Merchant sent them a false reply indicating that we still have the furniture and they are waiting for us to come in and do an exchange. The is not true, we did not exchange, we RETURNED. Our attorney tried to speak with Synchrony on XX/XX/19 while we were present, but they refused to speak with her, although I gave them verbal authorization while we were all on the phone. They said that I had to MAIL in written authorization, They refused to give me a FAX Number or email. They gave us the mailing address. This is a bad practice. We know that the merchant was paid and now he's trying to get us to buy something else from him. We are disputing the debt and they are making it difficult for us. My wife sent them the video of the pick up and they said it wasn't clear. Our attorney saw the same video and she said it was very clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested several attempts to resolve late payment status on a secured credit card closed in XXXX for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and Equifax leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on Equifax they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX  has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the Equifax late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and Equifax credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with XXXX and Equifax .
Product: Debt collection

I am the employer of the employee who is named in the " debt collection. '' Additionally, I was sent illegal documents to withhold pay from my employees paycheck. Apex Services is a well known unlicensed debt collection. Fraudulently, sending what look like formal payroll deductions with out court orders to do so. This company should be reported and shut down immediately.