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

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with XXXX, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX EMPLOYER - 2ND INCOME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with XXXX  XXXX Equifax reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX! I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Checking or savings account

I was trying to get a loan and the scammers got my bank account information and ended up scamming my bank account and put my account way in the negative due they were running checks remotely online and I have spoke to the bank and they refused to help me and then they took my social security check to pay the account and I am still crazy in the negative, I did start a new account at a different bank due to all of this and the chase refuses to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Again, XXXX XXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you
Product: Credit reporting or other personal consumer reports

I consider that a fair resolution to this issue would be to remove al inaccurate information from my credit history.
Product: Vehicle loan or lease

We submitted XXXX payment via XXXX XXXX online payment page to Westlake Financial. On XX/XX/XXXX and XX/XX/XXXX, payments for {$750.00} each were processed and sent. We received a letter in the mail dated XX/XX/XXXX from Westlake stating that we owed {$1500.00}. I called Westlake on XX/XX/XXXX at XXXX and a representative at first said no payment was received. When I informed her that XXXX XXXX did indeed send payment I was told that the payments were sent to the dealer as a loan buyback and I would need to contact the dealer. This made no sense and the dealership had no idea what they were talking about. On XX/XX/XXXX I called Westlake again to inform them the dealer had no idea what they were talking about. At that time Westlake said no payment was received and to contact XXXX XXXX. I did and confirmed payment was made. I called Westlake again that day to confirm they were indeed paid. On XX/XX/XXXX I filed XXXX claims with XXXX to confirm that payment was cashed. The next day I received confirmation that they were indeed cashed. On XX/XX/XXXX I called Westlake to so how to rectify the situation. I was told to email proof of payment and call to confirm on email and images being received. I was told it would take 24-48 business hours to research and find where payment went. I called again today, XX/XX/XXXX and was told at first they were unable to locate, then that the pictures were blurry and to resend. I told the rep that I called once the email with proof of payment was received to ensure it was in good order. I am refinancing with another company, but would either like my payments returned or credited to the account and any fees associated with it to be dropped.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XXXX
Product: Checking or savings account

i have my checking account linked into my XXXX for XXXX and XXXX. I had only my XXXX   account preferred for payment, XXXX used my bank of america account. i put in a dispute with XXXX. i been on hour wait call with bank of america , bank of america refuse to drop XXXX overdraft fees, i explained to the representative she said no. and also said feel freeto put in a complaint that i will still be held accountable. I am very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXX XXXX Account # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX. These accounts were deleted from Equifax and XXXX but, still appears on my XXXX reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at Equifax on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote a letter to the Credit Reporting agencies asking them to update incorrect names, addresses, phone numbers and any employers on my credit report.
Product: Mortgage

My FICO score on XXXX is reporting a debt on my mortgage of : {$370000.00} On the other hand on the Wells Fargo website ( they are the administrators of my mortgage ) they report a debt of : {$350000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. Equifax and XXXX credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are submitting this statement regarding our dispute with XXXX XXXX XXXX due to deceptive and fraudulent sales practices. 
As XXXX XXXX facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and XXXX XXXX XXXX in violation of XXXX XXXX XXXX Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to credit to ask for them to remove derogatory information from credit reports, they advised they can not help me with my request. Payments were in fact made on account # XXXX. Derogatory information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I entered into this auto loan with Prestige Financial inXX/XX/XXXX. The amount that I financed was {$16000.00}. To date, I have paid Prestige Financial a total of {$28000.00}. On XX/XX/XXXX I spoke to an associate and asked for a payoff amount for this vehicle. She indicated that I would need to pay an additional {$5400.00} to satisfy this loan. 

I have already paid Prestige Financial a grand total of {$28000.00}. If I were to payoff this vehicle today with that payoff amount, I will have paid Prestige Financial {$16000.00} more than my original loan. More than double the amount of my original loan. HOW is that a reality? There is no reasonable explanation for paying Prestige Financial more than double my original loan. 

On XX/XX/XXXX I asked Prestige to address this issue that day. As far as I am concerned I have more than satisfied my obligation to Prestige. I have already paid you {$11000.00} MORE than my original loan. That HAS TO have satisfied any interest on the loan.

Prestige insists that I have not satisfied my loan according to my loan agreement and has yet to provide me with verbiage indicating how I still owe any more on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not delete inquiry from credit report as requested by XXXX on XX/XX/XXXX. 
Equifax still maintains that the inquiry dated on XX/XX/XXXX from XXXX XXXX XXXX is accurate. 
Delete this inquiry and all other inquiries on report, as equifax isn't factual and doesn't do its due diligence. Equifax maintains that the inquiry is factual even after XXXX requests that the inquiry should be removed.
Product: Credit card or prepaid card

In XX/XX/XXXX, I made full payment of the balance of {$70.00} on XX/XX/XXXX of a bill that was due on XX/XX/XXXX. On XX/XX/XXXX I made a {$46.00} purchase in store and received a statement with a closing date of XX/XX/XXXX. It billed me the {$46.00} for my purchase as well as a {$2.00} fee, not interest, a fee ( unexplained ). Today, XX/XX/XXXX, I phoned Macy 's customer service and spoke with a representative, XXXX and then his supervisor, XXXX. I was first told the fee started from the date of purchase. Then, I was told it was because I made {$130.00} purchase in XX/XX/XXXX, and only paid {$50.00} on XX/XX/XXXX, XXXX I did receive a credit for {$21.00} from a return on some of that purchase leaving a balance of {$68.00} on my statement dated XX/XX/XXXX. I also received a {$2.00} interest charge bringing my balance due in XXXX to {$70.00} which I paid on XX/XX/XXXX. I was told the {$2.00} on my XX/XX/XXXX statement is due to the fact that I made only a partial payment in XXXX of XXXX. Keep in mind I was charged interest of {$2.00} on my XX/XX/XXXX statement and paid it in XXXX. I was given the obligatory " we will remove this charge this one time because you have only had your account with us for 10 months. '' I did not receive an explanation that made sense. I closed my account.
Product: Debt collection

A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account.
Product: Debt collection

The original debt was from XXXX, for ~ {$68.00}. 

They sent RPM ( Receivables Performance Management , LLC ) the debt. I settled with them and paid an amount of {$40.00} ( two payments of {$20.00}, ending in XXXX XXXX, 2017 ). 

Now XXXX is trying to collect the remaining amount ( ~ {$28.00} ) through XXXX XXXX XXXX, because RPM did not inform them the account was closed, instead choosing to falsely send the remaining balance back to XXXX despite telling me the account was closed and paid. 

I can not get Windstream to contract RPM, RPM to contact or send verification to XXXX, or anyone to talk to XXXX. 

I have a letter from RPM confirming the debt was paid in full. XXXX will not accept this letter from me, and RPM will not send it to XXXX. 


Attached is the letter from RPM verifying the account was closed in XX/XX/XXXX.
Product: Debt collection

On XX/XX/2021 I sent Transunion my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX PM. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA guess the company 30 days to respond. Its been over XXXX weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.
Product: Debt collection

I recently received a copy of my credit reports and noticed I C SYSTEM INC is reporting what looks to be a fraudulent account of {$380.00} to all credit reporting agencies which are XXXX, XXXX and XXXX, i have never done business with I C SYSTEM INC and do not wish to contract or have an agreement with I C SYSTEM INC, i have never authorized I C SYSTEM INC to access my personal information or credit file such as social, DOB, address, Phone, i have never signed contracts, documents, or agreements with I C SYSTEM INC.

I contacted I C SYSTEM INC and asked them to provide me with a copy of contracts, documents, agreements, photo id, social or what ever was used to open the account with I C SYSTEM INC. so i can file a police reports. i was told by a XXXX XXXX lady that they do not need to provide anything, i said its lots of identity theft going on and i need what ever you have to file a report, she hung up on me. I called again and ask to speak with a supervisor, then another lady hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX trans union and XXXX all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.
Product: Credit card

Charging high interest on an account that they told me that if I didn't pay at the end of 13 months they would only charge interest on the balance not on the total of the account
Product: Debt or credit management

Lexington Law Firm is the company I used for debt removal. The dates is from XXXX.
Product: Credit reporting or other personal consumer reports

Comenity Bank/Victoria 's Secret is defrauding consumers with deceptive late fees. After opening an account to build good credit, I attempted to pay off my balance online, only to find the payment option grayed out. When I called the provided number, I was informed of an unexpected late fee. Despite paying my balance and being assured there would be no further charges, I was repeatedly hit with late fees as they continued to move the payment deadline. I ultimately closed the account, confirmed I had a XXXX balance, and was told there would be no future charges, but the fees continued. This company has failed to disclose critical information, moved goalposts, and engaged in practices that seem fraudulent. I demand the immediate removal of this item from my credit report, as they have not acted in good faith.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX  XXXX  XXXX. It was financed through GMAC. I paid off the truck in XXXX. I never received a title. I am now trying to sell the vehicle 12 years after I paid it off. I tried to obtain a replacement title and was told I couldnt because I owed XXXX $ on the truck according to Ally auto. Ally auto purchased GMAC from my understanding. I have not once heard anything about owing anything until I tried to obtain a replacement title. I have spoken with a lawyer and filled out a petition to file with the courts. He told me that in Texas the statue of limitations is 4 years or 10 depending on the situation. It has been 12 years since I talked to any finance company about my XXXX  XXXX. I would rather not have to go to court and waste everyones time. They should just mail me the title or release the lien. Also, I feel they should be obligated to follow the laws in Texas. Now they are trying to say its even more money they want before they will release the title. This is against the law I would presume because it has been over 12 years since the truck was paid in full to GMAC. I believe something may have gotten mixed up in paperwork years ago but it till doesnt explain why I have never been contacted about it if I owed any money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.