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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


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

XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named XXXX XXXX had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from XXXX, TransUnion, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, XXXX XXXX compliance ( 17a )
Product: Credit card or prepaid card

CITI CARDS XXXX XXXX XXXX XXXX PA XXXX Member Since XXXX Account number ending in : XXXX The company on his own produced false justification to cancel fully paid off credit card with {$18000.00} credit limit and XXXX due balance. A silly alarm was given at charge {$99.00} to XXXX I am using at least 10 years. In XXXX there was no issue. In XXXX the same transaction is causing cancelling the card. Total ridiculous treatment of messy agents providing 'excellent customer service '. They can not understand that someone works in XXXX and has two ( 2 ) properties in USA. The card was mostly used to pay insurance or transfer balance if an 'low interest ' offer came. Subsequent interest rate increases to 25 % p.a. despite of timely payments for over 20 years.
Product: Debt collection

XXXX, XX/XX/2018, XXXX, TX XXXX XXXX called me with a spoofed number to look similar to my own area code. XXXX ( or whatever her name is ) disclosed my information without even verifying my identity. Then proceeded to state she would keep calling and continue to call. She mention that XXXX was the second collection agency handling the case.
Product: Credit reporting or other personal consumer reports

I recently filled a dispute with Equifax about the XXXX account that appears on my credit report. Exquifax states that they verified that the information was accurate ; however my credit profile shows that XXXX is both reporting inaccurate informtion along with reporting the same account twice. 

I am writing to formally dispute and bring attention to the on going issue involving XXXXXXXX XXXX reporting of duplicate listings of inaccurate and unverified account information on my credit report. This action constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, such as XXXX XXXX , are legally obligated to provide accurate and verified information to consumer reporting agencies. The repeated reporting of duplicate accounts and unverified data misrepresents my credit profile, which is not only inaccurate but also harmful to my financial standing. Furthermore, Equifax is required by law to investigate disputes regarding erroneous information under 15 U.S.C. 1681s-2 ( b ).

The failure to address and rectify these inaccuracies violates my rights as a consumer and imposes undue harm by potentially lowering my credit score and impeding my financial opportunities. I request that Equifax promptly investigate this matter, remove the duplicate and unverified listings, and ensure all future reporting complies with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i mailed a letter to XXXX asking for the validation of debt. The company did not provide the documentation. They were unable to produced said requirements within the allotted threshold, by federal law it is required to remove the account from my consumer report without prejudice. 

On XXXX i received a letter advising me that the tradelines and payment history will be updated and to allow up to 30 days for the credit bureau agencies to reflect the changes. However, I did not notice any changes. 

After, I did not notice any changes a mailed another debt validation letter and i did not receive any information from XXXX. Therefore, I called, and I was directed to contact XXXX management who stated it will be deleted and still no changes to the credit report. 

I agent for principal XXXX XXXX and affiant, have reason to believe and do so believe I the consumer, owe no such alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : Bankruptcy : XXXX XXXX Case Number : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Filed Date Filed/Reported : XXXX Reference # : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Toyota lease on a XXXX XXXX XXXX, 2 years, 24,000 miles. Extended the lease for 6 months as of XX/XX/XXXX. Turned in the vehicle on XX/XX/XXXX, with 22,867 miles on the odometer. Car was in perfection condition. Received a bill from Toyota Financial Services dated XX/XX/XXXX, for {$970.00}, this includes the disposition fee of {$350.00}, a {$560.00} charge for a cargo cover, and a sales tax fee of {$57.00}. I was told that the disposition fee would be waved if I purchased/leased another Toyota within 30 days of returning my previous vehicle. I entered into negotiations on a new Toyota on XX/XX/XXXX, but the dealer did not have the car I wanted in stock, which I 'm waiting on. Toyota Financial says " Too late '' and I have to pay the {$350.00} disposition fee. The cargo cover charge far exceeds the actual cost to the consumer for a new cargo cover, listed at {$190.00}, on Toyota 's website, and genuine replacement cargo cover on XXXX for {$100.00}. I 've asked for a receipt for the cargo cover once they receive payment and at first they declined. I pushed them for a receipt and they said that they would look into whether or not they would provide me with one. I may be able to negotiate the disposition fee with the new dealership I 'm working with, or I may simply decide to buy a car from a different manufacturer especially since I believe Toyota has charged close to 3 times what the cargo cover actually costs.
Product: Bank account or service

US bank Acct # XXXX XXXX XXXX TN XXXX PH # XXXX XXXX US Bank XXXX TN XXXX PH # XXXX Bank Manager XXXX XXXX First of all, I 'm on XXXX. My wife died some years ago.She handled all the finances. 
That 's why it took long for me to catch it. It was actually a bank teller who told me I was paying for something I did not need. I think she had a conscience. That 's how I caught it. 
A couple of years back, US bank called me and told me I was in overdraft and should come in right away. I did n't understand why, but I went anyway. I thought I would pay a fee and be done with it. The person at the bank insisted that I needed overdraft protection. I said I had plenty of money in my savings account, and that I would transfer money from there to checking. She kept insisting that I needed overdraft protection. 
Recently I discovered I was signed up without my permission. I specifically said I did not want this. I was signed up for 21 % or XXXX dollars a month for overdraft protection.This has bee going on for quite sometime now. I 'm an old man who needs this money for medication and, well every thing to live on. Like I said, my wife handled all the finances before she died. That 's why It was so easy for them to do this to me. Like I said, if the teller had n't caught it, they would still be stealing from me. I 'm just not good at catching this stuff. When I called the bank manager, to tell her about the money taken from me all this time, she said it was all my fault for not catching it sooner. That I should have caught the 21 % on the XXXX dollars that came from nowhere, or the XXXX dollars a month. She said it was my fault for not keeping up with account. when I asked to see documentation for when this occurred, she said she did n't need it. Really! I am debt free. I have never needed over draft protection. There are people, the sick and elderly me who are easy targets because they are most likely to overdraft. I hope you can help me, but I guessing by now the Banks have gotten good at this.I just found out there charging me XXXX $ for something. Please help. XXXX Tn XXXX ph # XXXX XXXX US bank XXXX Tn. Bank manager XXXX XXXX XXXX pk XXXX
Product: Checking or savings account

On the XXXX of XXXX we reported to the M & T bank that two separate checks from our account were fraudulently cashed for a total of {$16000.00}. We froze the account and opened a new account. We were told by the M & T bank that we would be refunded with 7 - 10 business days. However as of XX/XX/XXXX we have not received any funds. When we called regarding our reimbursement, we were told that it could take at least 90 days plus.
Product: Student loan

This loan was taken out in XXXX when I had no other way of taking out a loan to pay for school. The loan is under my maiden name XXXX XXXX. The terms of this loan were not clearly defined to me or my mom who helped me secure the loan. The way this loan is set up still makes no sense to me as I am listed as a cosigner and my grandfather is listed as the borrower. The original principal on this loan is listed as {$10000.00}. We have been paying it back since XXXX and the interest accrued on this loan is up to {$16000.00}. After 14 years of payments the loan balance currently sits at {$10000.00}. The interest rate currently is 10.50 %. I contact Navient regularly to help me with my monthly minimum payments as sometimes I am not able to afford it. I have been offered forbearance and interest only promo periods. I accept whenever I get either of these offer because I am desperate to keep my account in good standing. I am never offered any real help or resolution. When I have defaulted in the past my credit score dropped by a devastating XXXX points. I was hopeful during Navient 's last consumer settlement, but I did not qualify for that because I had not defaulted enough on the loan. I feel as though I am trapped in a loan that is impossible to pay off.
Product: Mortgage

In early XXXX our mortgage was apparently transferred or sold to another company. We were unaware of the change. We continued to make ALL PAYMENTS monthly the same way we had been doing. We paid every month to date, we have no outstanding payment due. The new company is called Fifth Third Bank, a company which we had never head of. We sent all payments to the previous addresses used for payments : XXXX XXXX  XXXX XXXX, OH XXXX and XXXX XXXX XXXX XXXX, OH XXXX The following problems have occurred from early XXXX until the present date : 1. Fifth Third Bank has not cashed some of our checks which we have mailed.

2. Fifth Third Bank cashed some checks, but did not credit the payments, and instead marked the mortgage as unpaid, and improperly added additional fees and late charges 3. Fifth Third Bank has sent some payments back to us in the form of a check. To date as of XX/XX/XXXX, we have received 3 checks sent back to us : 1 check near the end of XXXX, in the approximate amount of {$4600.00}, 1 check XXXX of XXXX approximately {$4600.00}, and one check XX/XX/XXXX in the amount of {$15000.00}. Please note that these amounts for the 3 checks returned to us does not equal the total amount of payments we have sent to this company, and does not reflect the total payments that we confirmed the company received and cashed in the form of cleared checks. ( See evidence included of check payments confirmed cashed ) 4. We have made repeated attempts to pay all monies due in full, and the company either refuses to credit our payments, but does cash the checks we send, and improperly adds additional fees. 
5. This company has fraudulently initiated a foreclosure proceeding despite the fact that we have SENT ALL PAYMENTS DUE TO DATE, and the fact that WE HAVE THE MONEY TO PAY - and that we are trying to pay all amounts due in full. 

I am on oxygen 24 hours, 7 days a week. I am over XXXX years old and also have extremely bad XXXX. This has been very troubling to me and has negatively affected my health. We have the money to pay what is due, we have always had this money and we have been attempting to pay the money this entire time. This company is committing fraud by falsely adding additional fees and cashing our checks but not crediting our payments.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX XXXX XXXX
Product: Mortgage

I submitted an application for Maryland 's HAF program. Pursuant to Md Law if a borrower has a pending application for HAF the servicer can not move forward with the filing of the Final Loss Mitigation Affidavit which starts the path for mediation and ultimately the foreclosure action in court. I notified the servicer, Planet Home Lending in XX/XX/XXXX, that I had a pending application via email. I then issued a written Notice of Error letter stating that I had an application pending. That letter was dated XX/XX/XXXX, and confirmed received by Planet Home Lending on XX/XX/XXXX. Despite this fact, Planet Home Lending filed a Final Loss Mitigation Affidavit on XX/XX/XXXX, which has started the foreclosure process to move forward. All in violation of Maryland law and the CFPB guidance for servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 Capital XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) TRANSUNION XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX  contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!
Product: Debt collection

The company responded with a letter that specifies the amount of the debt, but not the nature of the debt. The letter is dated XX/XX/2023. I requested proof of the nature of the debt such as an agreement or the purchase of an item or service. The company provided neither.
Product: Credit reporting

I had previously said that those account was identity theft, they not mine. please remove according to the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Far Crean Repoting act 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, has viotaled my rohis 15 J 8 G 1681 solon 602 A. States & have the nght le pivacy 15 .5.C. 1681 Secion 604 A Sechon 2 I arso sales a conumer reporng agenal cannet furish a account wimout my wrpien anstnchons
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that, for the third time, a fraudulent account was still appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account XXXX : XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I entered into an auto loan agreement with XXXX XXXX for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to XXXX XXXX. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with XXXX XXXX to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with XXXX XXXX, they ( XXXX ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, XXXX XXXX reported a missed auto loan payment to Experian, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted XXXX XXXX The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call XXXX again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.
Product: Debt collection

This company is saying that I owe them {$590.00}. I have never done any business with this company for any reason.