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

I have been sending disputes to Experian since XXXX  about my identity theft. This has been the worst experience as I am trying to get back to normal. 
XXXX removed the items from my report. Attached. Everybody did an investigation and the other credit bureaus deleted it. What information do you have that these items are accurate? I have been requesting since XX/XX/ for them to send me what they have to prove that these items are accurate, and they have not. Here is the list of the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I received my credit report then I called Experian, XXXX XXXX XXXX in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( s ). Experian reporting 55 Inquiries & 2 Addresses, XXXX reporting 35 Inquiries & 7 Addresses, XXXX reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm on my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sold my information to Westlake Portfoli after XXXXXXXX XXXX  went bankrupt. My payments increased and my pay down is not reflecting on my credit report. It looks like I've barely paid anything.
Product: Money transfer, virtual currency, or money service

Coinbase Wallet made an unauthorized transaction to an unknown wallet on XX/XX/2021. 
They transferred XXXX XXXX ( XXXX ) resulting in a loss of over {$2400.00}. 

I submitted a claim and the company wrote back saying the wallet is compromised and there is nothing they can do. They suggested changing to a new wallet.
Product: Mortgage

We have a mortgage with Green Tree for our vacation home in SC. The loan was sold to Green Tree by XXXX XXXX XXXX in XX/XX/XXXX. 

We pay our mortgage through automatic deduction from our checking account every other week for a total of XXXX payments a year of {$940.00} each occurrence. 

Since Green Tree took over our mortgage our written statement has never reflected the correct amounts of what we pay, what we owe, and how the payments are applied. Whenever we call, we are told to " ignore '' our paper statements because we are on a biweekly payment schedule. 

However our written statement on XX/XX/XXXX made us question this practice when we noticed a " past due '' amount. We are on a regular automatic deduction so this was odd. A few days later, we received a letter stating that the past due amount was made in error. 

Since we are used to being able to accurately see our balances, we were beginning to get really uncomfortable about this practice. I ( XXXX ) decided to call again and find out why we are unable to get an accurate statement. I spoke with a woman who said it was because of our schedule of payment. I told her that we have a home mortgage with XXXX for our primary home and it is even on a weekly payment schedule but the monthly statement is easy to understand and is accurate. Her response was, " That is XXXX. '' I reminded her that XXXX XXXX XXXX used to service our loan and that we were already on a biweekly schedule with XXXX XXXX XXXX and that our statements were always accurate. She said, " We are not XXXX XXXX XXXX. '' I then told her that I really need to see a statement that would show what we are paying. She said that she can send me an Amortization Schedule. I told her that it was insufficient as it does not show the dynamic month to month payments, etc. in real time, or reasonably in real time. But I told her to send it to me anyway. We have not received it yet. 

After much discussion about my right to see the correct numbers on my statement, she said, " You are looking at the written statement and that is not accurate but if you go online, it will show you the right amount. '' So I went online while she was on the phone. The data were insufficient. Please see attached. When I asked her why only the principal and interest were shown for the amount due, her response was, " Because you should know what you pay for taxes and insurance. '' I told her that regardless, Green Tree should show that on my statement. 

I asked to speak to her supervisor, XXXX # XXXX, and he said, " I 'll have my tech support guy look into it. '' I told him that he should put himself in my place, a consumer who is paying a lot of money over the span of 30 years on something that she does n't have an accurate monthly statement. His response was, " I pay them automatically and I do n't bother checking my statements. " He said he would get back to me concerning the errors online. He has not. 
At this point in time, we believe we have exhausted all efforts in trying to get Green Tree to give us an honest and accurate monthly statement, be it on paper or online. 

Thank you, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-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 XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete the following accounts. XXXX  Balance {$12000.00}, XXXX XXXX XXXX {$3600.00}, XXXX XXXX Balance {$10000.00}, XXXX XXXX Bank XXXX {$2500.00}, XXXX  XXXX Bankruptcy reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.
Product: Debt collection

I've been sending letters to Equifax credit reporting, since XX/XX/XXXX through XX/XX/XXXX, demanding actual validation of the debt on my credit file. Item in dispute ; XXXX, XXXX Receivables in the amount of {$4600.00} dollars, not my debt. I have not received any reply from Equifax nor verification documentation, per my request. Please help to remove this from my credit file, thank you.
Product: Money transfer, virtual currency, or money service

XX/XX/25 XXXX, XXXX, XXXX Thief got access to my account through unlocked phone and unlocked capital one app account and XXXX  herself these amounts. I reported the transactions the same day. Capital one refused to refund these amounts to my bank account and now I am left without this money. I have been with them for years and have never had to file a fraud claim until that day.
Product: Mortgage

Fifth Third Bank incorrectly listed my second mortgage loan as " reaffirmed in bankruptcy '' from XXXX. They use an external company ( XXXX XXXX XXXX ) to process their bankruptcies. This service filed a reaffirmation agreement with the court that was subsequently disapproved. Fifth Third never updated their record as " discharged in a bankruptcy '' from " reaffirmed ''. 

XXXX XXXX XXXX says : " it's not our fault..we just process '' ... .Fifth third says : " It's not our fault ... we use an outside service '' ... the credit bureaus say : " It's not our fault, we send the dispute and they leave it the same ''. 

In three weeks of research I finally got the data to fifth third and they claim they updated their records to " discharged in bankruptcy ''. BUT ... .they say they won't report it to the bureaus that way. And of course the bureaus won't change the data on their own. 

The XXXX amendment to the Fair Credit Reporting Act mandated ( section 623 ) that data providers must adhere to the same requirements of reporting ACCURATE DATA as the bureaus. Just because they suffered a loss in a bankruptcy is no reason for them to adopt a cavalier attitude on maintaining accurate records. 

I filed a CFPB complaint against the bureaus on this and they washed their hands of responsibility. I am filing this one against Fifth Third and hoping the CFPB will protect my rights.
Product: Credit card or prepaid card

XXXX XXXX membership automatically renewed in XX/XX/2020 with my GMFlex credit card. When I saw the charge on my XXXX statement I immediately contacted XXXX  and told them that with covid no one was flying and I wanted to cancel my membership. They did and gave me a confirmation number. I then contacted my GMflex card company and provided all of the information requested by fax, by scan, by email. It was taken off, added back on taken off and added back on again. 6 months of back and forth. GMflex finally called spirit with me on the line they told XXXX that they were paid already and they were not reversing it. XXXX said if GMflex send them that letter they would refund the money. GMflex immediately sent me the letter. When I sent it to XXXX, they told me sorry we dont refund and your stuck with the membership for a year. I told them you can see I have not booked a flight on almost 2 years but they did not care and GM flex failed to also assist me during this pandemic and unusual circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX, Barclays Bank, and XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX   and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX  but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/3 - hard inquiry - XXXX XXXX XX/XX/ - hard inquiry - XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  - hard inquiry - XXXX XXXX XXXX XXXX XXXX - hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX  - hard inquiry - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 & XX/XX/2021 inquires for a loan was pulled on my credit fraudulently with AVANT XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone XXXX. 

On XX/XX/2021, AVANT XXXX was phoned and notified via email that I did not submit this application and it was identity theft. 

On XX/XX/2021, I placed a credit fraud alert and freeze was put on my account with credit bureau, XXXX. XXXX notified XXXX and XXXX with the help of XXXX XXXX Customer Service Center ( they were excellent ). 

On XX/XX/2021 an XXXX report was filled out and on XX/XX/2021 it was emailed to AVANT 's identity theft fraud department. 

A response on XX/XX/2021 was given that AVANT 's Bank funded the account and they needed their own " Identity Theft Victim 's Complaint and Affidavit '' submitted. AVANT was well aware that this account was opened with stolen identity and funded it anyways. 

On XX/XX/2021 the required form was submitted and a police report was filed with local police agency. AVANT still has not responded. 

Several inquires of fraudulent accounts attempted to be opened with several banks and agencies that did not fund the accounts as the phone number and email address did not seem legitimate ; AVANT Bank did anyways.
Product: Debt collection

Portfolio recovery is reporting negative information to my credit without authorization, without validation or verification of debt. Without consent ( there had been no new contract drawn up ). Information and break down of the money saying I owed and what is it for. A record of all book keeping information related to this account including XXXX XXXX. I am requesting documentary evidence on this entire account including before my personal information was sold. Portfolio Recovery is participating in fraud by using my name and likeness without consent. It is a federal crime to use extortion to compel someone to behave in a certain manner. I.e negative credit reporting in hopes of a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Ive submitted letters to the credit bureaus to provide me with verification of the accounts in question ( XXXX, XXXX XXXX ), which they have failed to provide me with any information. 
On XXXX XXXX Ive submitted letters to Transunion to remove all unrecognizable hard inquiries that I have no knowledge of and to provide me with any information of my consent to these accounts.Theyve yet to provide me with information on the accounts.
Product: Student loan

My loan payment jumped approx. {$40.00} per month after paying over five years of on time payments. I called Navient and asked why and they stated a routine audit was conducted that found that I was not paying enough money, so they raised my payment without notice. I also was informed that I have " late fees '' that are over five years old. If I have been making five years of time time, direct debit payment how do I have late fees. I attempted to get these questions answered and when the representative was unable to answer my questions I asked for a supervisor, I was told that I was not able to speak to a supervisor and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

lexington lawsuit settlement I want to update my information so if I am entitled to some money from this I need to update my address and attempted other ways.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Product: Debt collection

The company send a letter post XX/XX/19. After another company try to cottect and fail thank to CFPB ... They sold the account to FirstPoint Collection. Within 30 days I send a certified dispute letter asking for a sgned contract that verfyingthat it belong to me. [ See L1 ]. They sended me a reply letter with no siginature. [ See L2 ]. i send a second certifed [ See L3 ]. They foller up with the same statement but a different letter once again no sign contract [ L4 ]. From the date of there frist letter XX/XX/19 to the last XX/XX/19 that 16 Days. 
I send my first letter on XX/XX/19, I had to the around the XX/XX/19 to respond. The send the second letter on XX/XX/19. I send me second letter to them on XX/XX/19. On XX/XX/19 they send me a third letter. It was reported on my XXXX  between XX/XX/19 to XX/XX/19. Not given time to respond to the third letter. So am contacting CFPB.The law states I have 180 days on medical collection bfore reporting. And also First point collection changed the amount to XXXX dollars according to XXXX. 

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

I received a copy of my credit report and found the following item ( s ) to be in error, also the below are against to the law FCRA
Product: Debt collection

Company calling and submitting mail to my home address regarding a debt that is not mine. When telling them i was the incorrect person, they continue to call and harass numerous times daily.