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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card account some years ago and was paying down the total each month. While this was happening, the credit agencies kept my total percentage at 100 % each month no matter what the balance was compared to the total amount that was given to the card. This past XXXX, I paid off the remaining amount owed which was over XXXX dollars in one payment. This should have generated a positive increase in my credit scores, but instead it took a fairly good drop. So in essence I got penalized for having the debt on the card and then penalized again for paying it off. Something really need to be done to clean up these reporting agencies. With so many different companies and each with their own procedures to create a credit score, no one gets an honest report or score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX   XXXX XXXX {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}
Product: Mortgage

I currently have a first mortgage with Quicken loans. I have started the process of refinancing with another mortgage broker. The refinance company called Quicken loans for a payoff statement and gave out my personal information like social security number, date of birth etc, to Quicken loans and charged {$25.00} dollars on my mortgage at Quicken Loans for the payoff statement.Yes, another company thought it was ok to act in my behalf without my knowledge and charge my account for {$25.00} Another third party should not be allowed to call any of my personal credit accounts, including my mortgage holder and be allowed to approve a charge to my account. The name of the refinance company is XXXX. I have tried to call Quicken to get them to remove the {$25.00} dollars from my account as I did not authorize anyone to call and add any amount of money to my account balance. No charges should be allowed to happen this way. Whats next, because they have pulled my credit information, are they going to be allowed to call a credit card company I hold and charge money to those accounts. I should be able to send Quicken a bill for the hundreds of phone calls and emails I get from them trying to get me to refinance with them. This company still calls even after I told them to remove me from their call lists. It's {$25.00} I know, but I did not authorize it. If they can get away with this, than any amount they can charge. 
Please help me resolve this. Thank You
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation into disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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 notify consumers of disputed outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to 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, credit repair services, or other personal consumer reports

America First # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
Product: Vehicle loan or lease

Earlier this year before Covid I had an issue with my XXXX XXXX XXXX  which required me to take it into the shop to have some warranty work completed on it. It was covered after going through some hoops which I get it warranty work no one gets paid for it directly. My issue upon this situation was that the part that had to be ordered came from DriveTime and/or XXXX home office located in AZ. I was told it was remanufactured or like new. Wasn't able to see and verify parts after replacement because they had to be sent back to AZ. Under my warranty contract with them and XXXX XXXX it does state thats in line with the parts they can replace on any vehicle per the agreement. My issue was I was out of vehicle for almost a week because of the time it took for parts to come in and upon asking for a loaner vehicle said the billable hours didn't meet their requirement of reimbursement and I could get loaner any try to get it back but no a promise for reimbursement. Asked on several occasions that I wanted proof of what parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects what I need at this time. No dealership will take the trade because of the high interest rate and more money down needed to make the deal happen. I get that but Drivetime/XXXX won't take the trade in as well at all regardless of money I need to put down. I was told they don't take their cars back on trade and/or refinance current loans even if they still make more money on new one. I am tired of the pure bad business practices these companies are allowed to get away with. My previous vehicle I had gotten from them had to be bought back from me after many battles that I eventually proved was a flood damaged vehicle. They couldn't give me the money I had paid into that vehicle being a XXXX XXXX XXXX because I had paid for time I used it and was only given my original down payment. These companies being able to do all of this and the consumer just out of luck? I had also asked what had come of the vehicle bought back from me did they sell it to another sucker. I have filed complaints after complaints but they are still in business doing same shady used car sales. There was now ay my 1st car should have been sold to me let alone past State Inspection. I am filing a class action lawsuit against DriveTIme and/or XXXX for unfair Business Sale tactics and Fraud any help would be appreciated.
Product: Debt collection

The account below is not my account. Please remove off credit profile NCA Last reported XX/XX/XXXX {$1500.00} Opened XX/XX/XXXX ( 1 yrs, 6 mos ) NCA Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you
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 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 This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts appear on my credit report, they don't belong to me, it's hurting me. 
Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX.

Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting

Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?
Product: Payday loan, title loan, personal loan, or advance loan

I was initially interested in solar panels. The sales rep came out and gave us the initial design plan with an offset that would cover almost my entire electric bill. The day of installation, I noticed the panels were not in the place of the original design. I immediately messaged my sales rep ( which I still have the text conversation ) asking him about the changes affecting the offset. He acted XXXX like he didn.t know there where changes. I specifically asked him in that message why we were not notified of any changes. Solar panels then get cut on, and he finally makes his way to our house to see where the panels were placed. He offered to compensate some money for the misplaced panels. Weeks go by and never received the money or contact from him. I ended up having to contact multiple company.s to find out that he was no longer employed. Once going through all my documents, I find documents where they forged my signature through a XXXX on the plan changes that we were not notified about. The loan is through good leap who is refusing to help me, along with XXXX saying I signed and agreed to this. On the contract that is forged there is a delivery receipt that shows the email it was sent to to be signed as well as the Ip Address. I have my XXXX signings with my ip address with documents sent to me. They do not match what they have. This has affected my credit and come to find out today they have filed a XXXX on my business which has nothing to do with the solar panels. This has completely ruined things for my life as well as my business. I have looked over the contract that they have on the account and there is a space where they can be liable to me for damages or losses caused by NEGLIGENCE OR WILLFUL MISCONDUCT, which they have done!
Product: Credit reporting or other personal consumer reports

I sent the credit bureau a complaint asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this immediately : XXXX XXXX XXXX Dismissed Reference # XXXX Date Filed : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.
Product: Credit card

I had paid for a protection policy in case I was hospitalized or lost my job, the amount owed would be waived and I would owe nothing. I submitted all of the necessary paper work and they refused to honor the policy. I have been threatened and they have called all of my relatives friends and so on harassing them to get me to pay them money.
Product: Checking or savings account

CITIBANK BLOCK MY ACCOUNT FOR 2 YEARS SINCE XX/XX/XXXX NOW ON XX/XX/XXXX THEY REMOVED THE BLOCK AND PUT MY ACCOUNTAS IN DORMANT STATUS
Product: Credit reporting or other personal consumer reports

XX/XX/year> : I finally signed a lease contract with Audi XXXX XXXX XX/XX/year> ( on or after ) : I received, to the best of my knowledge, the first statement from Audi requesting payment for the auto loan in question. The statement that Audi sent in XXXX of 2024 only requested payment by XX/XX/year>. 
XX/XX/year> : I made full payment ( BEFORE due date ) Audi reported missed payment for XX/XX/year> when there was NO contract in place. From XXXX to XXXX XXXX was fixing THEIR mistake with paperwork and no bills had been issued nor any contracts signed by me. Audi Finance is penalizing me for DEALERSHIP screw-ups of up initial paperwork.
Product: Mortgage

I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory.
Product: Money transfer, virtual currency, or money service

requested a credit balance from XXXX XXXX XXXX XXXX XXXX of XXXX. I was told a check would be issued via USPS mail within 15 business days. I requested to have the check sent either by XXXX  or XXXX and was told USPS was the only option. After not receiving the check within the 15 business day, I informed XXXX XXXX that I didn't receive the check and requested the check be reissued. Instead of re-issuing the check, I received a letter with a copy of the check that was cashed. I immediately called XXXX XXXX and made them aware it was not my signature on the back of the check and has no knowledge of the check cashing place where the check had been cashed. I'm attaching a copy of the police report filed, a copy of the check that was cashed and a copy of my driver 's license. In reviewing the back of the check, it was cashed at XXXX  Check Cashing Place.
Product: Credit reporting or other personal consumer reports

I request the removal of a bankruptcy from your credit report due to identity theft or a data breach under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Experian, XXXX XXXX and XXXX Subject : Request for Removal of Bankruptcy Information Under FCRA 15 U.S.C . 1681c-605B Dear Experian, XXXX, and XXXX I am writing to formally dispute the bankruptcy information listed on my credit report associated with XXXX filed in XXXX XXXX XXXX XXXX XXXX I believe this information is the result of identity theft, as I did not authorize or file this bankruptcy. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B, I request the immediate removal of this fraudulent information from my credit report. Attached are the required documents to support my claim. 



Please investigate this matter promptly and confirm the removal of the inaccurate information from my file within the required time frame under the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX
Product: Debt collection

Klima , Peters & Daly , P.A . Debt collector is trying to collect a debt which is not mine. Ive talked with them re the debtor who has the same name but a different address. They offered no solution. As in the past, they will sell the debt to another agency without changing the address and this 10 year cycle continues. 

Ref XXXX
Product: Mortgage

Contracted XXXX  in XXXX have XXXX was sick for 6 mos. Lost my business as a result of XXXX. Went on XXXX, it ended. Currently on Medicaid, SNAP, HEAT Assistance, & EBB. Had a forbearance on my 1st & 2nd mortgages. Was in a terrible accident in XXXX, resulting in my need for 4 surgeries of which I've had 2 and get the 3rd on XX/XX/XXXX. My HECM Company Mountain America Credit Union is telling I now must pay all the back interest all up front, they are refusing to work out a payment schedule with me. They sent the collection to an Attorney, which has added additional fees. If I don't make the payment by XX/XX/XXXX they will begin foreclosure proceedings. I'm XXXX have lived-in my home for 15 yrs. Was originally on a 15 yr mortgage ( only 5 yrs left to pay off ) with my 1st mortgage XXXX XXXX who has been great to work with, they reduce my loan and put it back to a 30 yr to help me. But XXXX has been a nightmare. I originally took out the Home Equity Loan to pay off medical debt from my husband 's XXXX journey, he has since passed. I'm not going to be able to get back to work for about 6 more months until after my final surgery. I tried to get a revers mortgage to pay off both loans through another horrible company called XXXX. They jacked me around for 8 months, transferring me from person to person and the last person quite and I didn't find out until 2 months later after I called repeatedly. Please warn people to not use XXXX, wow another scam organization. Also, apparently credit unions don't have to abide by the same rules as XXXX XXXX so they can do whatever they want to you. They are seriously going to kick me. out of. my home for a mere {$8000.00}. I've had several accounts with them for over 30 yrs and run over a million dollars through them, and this is how they treat you when you are down on your luck. During the entire reverse mortgage process I kept XXXX informed about the status and what I was trying to do. After the reverse mortgage didn't work, I told them I would apply for a refinance and pay the loan off completely, and yet they still went ahead with the foreclosure and payment demand. The have been completely unwilling to work with me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> America First Credit Union ( AFCU ) ( routing number XXXX ) blocked all of my accounts based on a false claim that I was being scammed by a close friend, whom I call my son. This close friend I met in person and had spent time with for a period of XXXX  years at that time. The block prevented me from making any transfers between my accounts and making payments to any outside organization. As a result of the block to the IRS, I had to pay a penalty and interest of {$280.00} plus late fees from utilities. The cost to the IRS was eventually refunded after many phone calls and other communications with the IRS. 

Since that time, I have contacted AFCU many times and some of the blocks have been removed. However, blocks on external transfers and the XXXX money transfer service are still in place. 

Please contact AFCU and have all blocks removed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  Balance : {$86.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Transunion hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX ) XXXX
Product: Debt collection

Apparently someone purchased a $ XXXX car while I was XXXX, I have file all the legal paperwork to show my XXXX  and sent documents over to each reporting agency, they took it off and place it back on