23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX against Equifax for XXXX to fix errors within my credit file. The complaint included over XXXX pages of documentation that demonstrated a subscriber engaged in multiple violations of the FCRA, FDCPA, TILA/Regulation Z, and the ADA. Equifax responded with " XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. Trade : XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HISTORICAL ACCOUNT INFORMATION NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX '' That is, Equifax claims one Tradeline for XXXX XXXX is being reported with no derogatory information, and another is not reporting. However, a credit report from XXXX XX/XX/2023 clearly shows that XXXX is continuing to report the XXXX XXXX account I disputed even though that account is not allegedly being reported. At this point Equifax knows or should know the information being persisted is invalid and/or inaccurate and should not be in my credit files because the information was generated based on race discrimination and XXXX discrimination. Thus, the persistence of this invalid and/or inaccurate information in the credit file Equifax holds on me, Equifax 's negilgence in removing the information, has caused me to be subjected to housing discrimination vis-a-vi disparate impact. Moreover, I am someone that holds or has held security clearances as a condition of employment. By not removing this information from my credit file Equifax now jeopardizes my employability within my profession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 45 days I contacted XXXX of XXXX to purchase a XXXX XXXX XXXXXXXX XXXX  XXXX for my business XXXX XXXX XXXX. I explicitly communicated to the sales person and the Finance Manager that the sole purpose of the transaction was to obtain financing for the vehicle under my corporate profile to further establish my corporate credit by adding a secured trade line that would report to the various credit repositories. Almost a month passed by when I realized that my trade in ( XXXX XXXX XXXX ) had not been paid off. The new finance manger told me that the previous finance manager had forgotten to get several signatures on the contract and needed me to come in and sign the missed signature blocks. I agreed to come in and execute the documents. XXXX weeks later I realized my vehicle had still not been paid off and I was in jeopardy of my existing lien holder marking me 30 days late with all XXXX credit bureaus which caused me to have to make an additional auto payment on top of the $ XXXX down payment made for the purchase of the new vehicle. On XX/XX/XXXX I received a notification from Experian  and XXXX that a new auto loan in the amount of $ XXXX was now reporting on my personal credit report which lowered my personal credit score from a XXXX to a XXXX instantly. In the end I was charged over XXXX  % interest for a vehicle that was intended to be in the name of my corporation for no reason. I agreed to the higher rate only to accomplish the loan being funded through my corporation. I have suffered financial damage both interest rate wise and credit score wise due to bait and switch tactics as a result of unfair, deceptive and abuse tactics of this dealership. I contacted the General Manager two times with no response. In addition I contacted the new finance manager who was extremely condescending, unprofessional and disrespectfully combative when I attempted to seek resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, Please see the attached information for my refund to be credited back to my Rooms To Go credit card account. These amounts were for my original account ending in XXXX. I am also including this on the Dispute form. 

{$640.00} XXXX {$1200.00} XXXX {$910.00} XXXX {$240.00} XXXX {$180.00} XXXX {$3200.00} I called Rooms To Go and they advised that they don't handle any sort of refunds or credits that this is something done by Synchrony Bank. I am now to the point to where Synchrony Bank needs to stand up and assist me with resolving this matter. The above credits were never properly credited back to my account as they should have been by the merchant Rooms To Go. Due to the incompetence of the merchant Rooms To Go not working with me and stating they can't do anything that they don't handle any refunds or credits I am expecting Synchrony Bank to resolve this. Rooms To Go needs to be held accountable for their actions. Synchrony Bank paid Rooms To Go the money and Rooms To Go is now stating they don't issue refunds or credits. So I'd like to know what Synchrony Bank is planning to do to resolve this matter for me. 

Thank you, XXXX XXXX
Product: Mortgage

We purchased our home through Quicken Loans ( rocket mortgage ) back in XXXX. Conventional loan, fixed rate. 
I was laid off in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I communicated immediately with Quicken to advise them of my situation and they recommended beginning a forbearance process. I completed paperwork and began forbearance. I quickly regained employment XXXX weeks later, and told them we didnt need to continue forbearance and we canceled that. The advisor then stated she could help us with our loan if we wanted, to lower our interest rate and lower our monthly mortgage payment. I was of course interested in saving money so she explained further that we could do a loan modification and it would lower our rate roughly 1 %, and lower our monthly mortgage payment by roughly {$100.00} a month- all we had to do is reset our loan length and change it to a XXXX XXXX XXXXI quickly signed the contract and she advised me that we would continue receiving monthly statements showing the monthly payment that would be owed, but advised us to NOT MAKE ANY PAYMENTS until they notified us otherwise. So, roughly XXXX months of zero mortgage payments- we finally received a letter stating our mortgage has been modified and our new terms were laid out : 1 % less interest, and monthly mortgage payments were {$100.00} less. 
All was well and good until I checked my credit recently and seen that the XXXX  months of payments I was advised not to pay are disclosed in my credit report as MISSED PAYMENTS! 
This has been absolutely detrimental to my credit score and now I cant purchase a new home. Currently relocating and trying to sell my home and will have no place to go! 
I called them and they sent over to an escalation department woman, who stated that in the terms of the loan modification it stated that there may be negative effects on credit health by proceeding. I had no idea this would ruin my credit, and I would have made my payments if I had not been advised to do otherwise! 
Short summary is Quicken Loans ( Rocket Mortgage ) advised me to not make payments in order to cause my delinquency, so I would meet their criteria to be accepted for a loan modification! 
Pure Fraudulence!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX 

I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS
Product: Student loan

This is a collection that is being reported illegally this is violating my privacy and HIPAA law.

Please remove from the credit report or you're opening yourself up to litigation. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of specific accounts from my credit report. I have recently discovered that I am a victim of a data breach, and I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The affected accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$160.00} XXXX. UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed inquiries on my report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : MEJMC/CBNA Important dates Inquiry date XXXX XXXX, XXXX Title 15 accuracy of reports.

There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX  Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX XXXX I XXXX. The following account is not mine Former : XXXX XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX I XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX Equifax Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following account is not mine Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX FL XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX, XXXX, I XXXX. The following account is not mine Also Known As : XXXX, XXXX, I
Product: Mortgage

I submitted a claim with Wells Fargo claiming they committed fraud back in 2015 when Wells Fargo was refusing modifications and that is why numerous people have lost their homes. 
Wells Fargo told me they would get back to me when they concluded the investigation. 
Well it has been a year now and all they did was threaten foreclosure on my fianc 's home and threaten to throw her to the street and never did they answer our concerns. I had to end up buying the home in order to save this house, meanwhile Wells Fargo XXXX  my fianc and never answered us.
Product: Credit reporting

Hello, My name is XXXX XXXX XXXX. I am an XXXX Military servant. I am tired of submitting a complaint for the same Fraudulent account 25 times, day after day and month after month. Your company has aided in ruining a once XXXX credit file and for the past 5 years have turned my life upside down and ruined my life. Now you need to correct it. My Social is : XXXX. 

An account by the name of : XXXX that was placed for collection activity in 2011, seems to continually appear, even after subsequent reports and documentation that is is fraudulent. 
All you do is just sit there, laughing and hvaing fun after reading the documents. Then you place a Fraud Alert on my acocunt, for something that should have been removed 5 years ago. How do you justify your job, to keep placing fraud alerts on my profile - AND NOT EVEN INVESTIGATE and REMOVE THE ITEM? Just providing a dated update? 
This is such a shame and I am sick and tired of dealing with having to call and being told I have to be transferred to this dept and then to that department and then to another department - only to find out that that 4th department is CLOSED! 
Like you I have a job. But unlike you, I hav integrity and I do actual work and take pride in my work. I do what is right when I know something is wrong, it gets resolved. When action is required, I take care of my customers! 

So, in short, I am expecting the removal of this AUTOTRAKK item that is fraudulent. Yes, back in 2011, I was the Victim of Identity Theft. You have all the documents and you 're still making the victim pay. it 's like I have been XXXX and you blame me for allowing it to happen. Yet the criminal is living the great life. 
This needs to be stopped. AGAIN - REMOVE THE XXXX ITEMS from my file and REMOVE IT NOW! 
You, XXXX and Transunion are all dirty operations. This is why your companies are always sued for XXXX dollars because you provide false and misleading information on consumers ' reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 PayPal sent me an email stating that they were closing my account and would be holding any funds in my balance for 180 days. The email did not contain any explanation of their decision to close my account. I was able after holding on the phone for several hours to speak with a live agent who said my account had been closed because of price gouging. He stated that I had been warned by PayPal and when I said that was not true he said that XXXX had warned me, which was also not true. XXXX did remove my listings because I listed a package of items which included hand sanitizer and masks and they stated that because they were having problems with price gouging they were only allowing authorized vendors to sell those items and were not accepting applications for new vendors. I was able to relist the original item with just the nitrile gloves with no problem and pricing was similar or less than all other listings on XXXX. PayPal had previously limited my account only due to the fact that my volume had increased so drastically that they were requiring invoices for the product I was selling and proof of ownership of the company which I provided and my account fully restored twice before this. When they arbitrarily closed my account and accused me of violating the acceptable use policy I had {$93000.00} as a balance. I was told that the hold was to make sure that there were no chargebacks on the account and the funds would be available in their entirety for me to withdraw after that time. Turns out 180 days later I received an email saying my funds were available only to find out that they had debited my account {$30000.00} with " damages to PayPal '' in the memo. I have sent messages and have only received automated responses from them and hold times are 2 hours plus if you try to call. I feel like PayPal stole {$30000.00} from me and can not even talk to anyone there to correct the issue. They force you into arbitration in there terms of service so attorneys will not even touch the case. I have already sent them notice of dispute and plan to initiate arbitration as soon as the 30 day notice is over.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX  ) DATE XXXX XXXX ( XXXX XXXX ) XXXX DATE : XXXX XXXX ( XXXX XXXX ) DATE XXXX XXXX ( XXXX XXXX  ) DATE : XXXX XXXX ( XXXX XXXX  ) DATE : XXXX XXXX ( XXXX  XXXX XXXX ) DATE : XXXX XXXX
Product: Debt collection

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Midland Credit Management, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

In XX/XX/2021 Synchrony Bank notified me they were closing my account. This was immediately after I had made several large purchases on Amazon and sent in a large payment. As a result of the card cancellation Amazon cancelled my purchases, but Synchrony still cashed my payment. 

As a result of this I have a negative balance of {$61000.00} on my card that they owe me. Their statements clearly show this, that they have my money is not in dispute, each of the XXXX service agents I have talked to over the last XXXX months has agreed that I have this credit in my account. 

However, I have called 4 times and talked to different agents to try to either get my money back or the account re-opened so I can spend the money. 2 agents said they would send a check within XXXX weeks, the other two ( including a supervisor called " XXXX in Account Management '' today ) said I needed to fill a form out showing proof of payment and they send me the request letter I have attached. 

I have faxed online bill pay statements to them ( also attached ) showing the payments, and their statements show the payments, but they refuse to return my $ XXXX. XXXX today said that they now need a letter on bank letterhead stating the payments were made, which in my opinion is just a delaying tactic to avoid repaying my money that they fully admit they have. 

I need your help to get my money back, and at this point I think it would be fair for them to pay me interest on it too. Thank you.
Product: Debt collection

I was contacted by mail on 3 occasions about a debt to an XXXX. I have never sought out. Never called. Never made an appointment and have never seen an XXXX  and they are seeking a debt of XXXX. I wrote this company and told them the SAME thing I have written here and they sent me a follow up letter that stated, upon their investigation with information I provided, I owe the debt. I do not! I have never sought, made or seen ANY XXXX  EVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on line to check my credit. I received reports from XXXX and XXXX. When I tried to access Equifax INC. they refused.