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

I have disputed over four times with XXXX stating that the dates of payments are incorrect. 
The monetary amount of payments that were made towards the loan are incorrect. The date stating when the loan was obtained is incorrect. The terms in the fraudulent loan were changed without my consent, and when asked by the company to provide my original paperwork, they stated they can not provide it. The company had also performed in illegal reposition by breaching the piece by coming onto private property to retrieve the vehicle and then not giving me written information stating where my vehicle was so I could try to make a payment or go get my property that was in the vehicle that they took. Or how much the vehicle was sold for when it went to auction or the dates that the auction was going to happen before it happened I was never given any information after that about the vehicle that is illegal. The date of last payment was also incorrect on my credit report. If you also look at the attachment, youll notice that XXXX XXXX does not have this account listed because XXXX XXXX already deleted it due to the fact that the company can not verify the information that I was disputing so they deleted it yet. XXXX and Experian keep on saying that its verified and accurate. I dont understand how. They also keep on sending me a stall letters stating that they need me to verify my information which I did when I submitted the first dispute I submitted a copy of my ID. I submitted proof of my address my Social Security card theres no reason that they re-need it again. Theyre just stalling instead of doing their job. Im tired of them, violating my rights and committing identity theft under my name Due to them displaying inaccurate information that I have numerously disputed.
Product: Credit card

My credit card company identified me as an at risk customer because they said that i have made multiple payments on my balance too early. I'm not sure why paying my balance in full and early make me an at risk client. They said that since I was not in good standing they have the right to withhold my cash back rewards. 


1. I always pay my credit card in full and on time or before the time it's due. The reason is because they give me a small credit line and since I want to use the card, I chose to pay my balance before it's due, once it's maxed out. I've never been late and pay my balance in full before or by the due date.

2 I'm not sure why paying my balance in full and early make me an at risk client. But regardless, since I have paid them the amount I owe on time or early, the rewards I earned should not be withheld. The amount withheld is {$460.00} but on my account they list that my rewards balance is only {$330.00}. This is incorrect, if you add up the rewards earned that they listed it adds up to {$460.00} ( please see attached documents ) Thanks XXXX
Product: Credit card

I purchased home stuff from Best Buy and I was offered a credit care with XXXX percent interest on that purchase. I was paying the amount with minimum payments on time. I also paid XXXX dollars in XX/XX/XXXX towards the full balance and the remaining balance was paid with the minimum amount. 

On XX/XX/XXXX, I saw the interest charged XXXX dollars as I was not aware of that, and no notice was provided to me, otherwise, I would have paid the rest XXXX dollars, instead of paying the XXXX dollars interest rate. 

This is very unfortunate that no information was provided at the time of purchase as I was told that it is a XXXX percent credit card with no mention of promotional rates. 

I would request to find a solution and help to get my credit card amount corrected with the removal of XXXX dollars which was not disclosed to me before applying for a credit card in the store. 

Under the Credit Card Act XXXX, credit card issuers can charge a penalty APR that must be disclosed at the time of account opening and also should disclosed at the time of offering. 

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

XXXX XXXX failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the company and credit claimed they done an investigation But that can't be possible when I have no consumer reporting company any WRITTEN INSTRUCTIONS to do so ALL COMPANY AND BUREAS INVOLVED IN THIS MATTER IS IN VIOLATION OF THE LAW!!!!!!! 


XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request FCBA dispute resolved - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX XXXX. I am writing this to appeal to the cfpb to review my evidence across 2 bureaus where this is reported. " What in Tarnations is this ''. I can't count how many times this account has been changed and manipulated. now that I am reviewing this, they have a charge offs on one date where an on time payment has been reported, payment dates don't match up, on time payments not reported at all. and saying this account is charged off and not paid. for example. in one report it actually says date of last payment in XXXX XXXX XX/XX/2020 and at the same time have a charge off for those dates. totally crazy. im telling you everything about this account is wrong and scrambled. please let me know if you can't read my documents. i never had those missed payments or charge offs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has been reporting an credit account on my credit since XX/XX/XXXX. They charged off the card as of XXXX XXXX. But they have a mix up with me and my grandfather, and the only reason i know this, is because XXXX  verified the address and its my grandfather 's address. They claim to have my social through according to XXXX but with different information, such address and dob. I reached out to XXXX XXXX XXXXXXXX on XX/XX/XXXX which i sent via Priority mail express so i can verify who received it. They have decided not to respond to my verification letter and continue to report to the credit bureau. 
The Same thing happened with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told once I complete the Student Loans Rehabilitation Program, my student loans accounts would be out of default, and ALL NEGATIVE information would be removed. Only 3 accounts were removed and 2 remained with ALL NEGATIVE INFORMATION. Please remove these accounts. I were told ALL INFORMATION WOULD BE REMOVED FROM THE DATABASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$630.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$760.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$600.00} Open Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

In the latter part of XX/XX/XXXX my wife and I applied for a Lowe 's credit card. I then received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX FL in which I was told that my part of the application had been rejected. My credit score is around XXXX and I owe nothing to anyone except a small mortgage. All my bills are paid on time. My annual income is about {$20000.00}. Apparently the XXXX credit agency had a hand in this decision.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Student loan

On XXXX XXXX I tried logging into my account, which didn't work. I tried re-registering for a new login, which didn't work. So, I tried calling for help and was unable to get through after XXXX hours on hold during business hours.
Product: Checking or savings account

I opened my account in XX/XX/XXXX and asked about the {$150.00} promotion both over the phone and in person at the branch. I was told that I needed to deposit {$1000.00} within 60 days of opening the account to qualify and stay open for 90 days. I deposited {$1000.00} on XX/XX/XXXX and I followed up and was told I qualified and I needed to wait 90 days plus 2 weeks to see it in my account. I made SURE to ask if it was ok to use XXXX otherwise I would simply come in the branch to do so with cash and was told XXXX was ok. Today XXXX XXXX XXXX I am now being told I didn't qualify because I used XXXX !
Product: Checking or savings account

I SOLD A PROPERTY HELD IN MY BUSINESS AND THE LEGACY TITLE OF OK SENT MY PROCEEDS VIA WIRE TO WELLS FARGO BACK WITH MY BUSINESS BANK ACCOUNT # BUT LISTED THE XXXX AS WELLS FARGO. WELLS FARGO THEN 2 DAYS LATER PLACED A FREEZE ON MY BANK ACCOUNT. I HAD NO WAY OF KNOWING ALL THIS WAS GOING ON IN THE BACK GROUND. IN THE MEAN TIME WELLS FARGO WAS THREATENING TO CLOSE MY ACCOUNT IF I DIDN'T GET THE PROBLEM RESOLVED AND I ASK THEN WHAT I NEEDED TO DO AND THEY TOLD ME THE TITLE COMPANY NEEDED TO CORRECT THE BENEFICIARY THUR THE WIRE DEPT IN WHICH LEGACY TITLE DID THAT TWICE CHANGING TO XXXX NAME TO XXXX XXXX XXXX, XXXX TO MATCH MY CHECKING ACCOUNT. WELLS FARGO IGNORED 2 DIFFERENT WIRE CORRECT REQUEST! THEN ON THE XXXX I WAS THEN TOLD THE TITLE COMPANY NEEDED TO SEND A FAX ON THEIR LETTER HEAD CORRECTING THE XXXX. THE XXXX XXXX DID THIS AND I CALLED XXXX ON FRIDAY AND WAS XXXX THEY RECEIVED IT BUT IT WOULD TAKE XXXX TO PROCESS AND TO CALL BACK ON XX/XX/XXXX. I DID AND THEY INFORMED ME THAT THEY DECIDED TO CLOSE ME ACCOUNT AND WOULD RELEASE THE FUNDS VIA WIRE BACK TO THE TITLE COMPANY BY XX/XX/XXXX. ON XX/XX/XXXX I CALLED XXXX AGAIN AND THEY THEN INFORMED ME THAT THEY WILL NOW NEED UNTIL XX/XX/XXXX. THIS IS CRIMAINAL!!!!!! THEY HAVE SINGLE-HANDEDLY SHUT DOWN MY ABILITY TO RUN MY BUSINESS AND P-AY MY BILLS! THEY HAVE STOLEN/CONFISCATED MY FUNDS!!!!! I NEED YOUR HELP TO STOP THIS THIEVIRY FROM CONTINUING!
Product: Mortgage

My loan was transferred from XXXX to Freedom Mortgage in XX/XX/XXXX. My annual escrow analysis was due in XX/XX/XXXX and none was performed. I called Freedom Mortgage on XX/XX/XXXX to request an escrow analysis as my escrow balance is almost 5,000 and I would like the excess paid out to me. The customer service agent informed me that he is unable to submit the request for an escrow analysis and that I needed to email a generic email box with my loan # and request the escrow analysis. Notwithstanding the fact that I found it entirely ridiculous the agent was not able to submit the request on my behalf, I sent an email to the address provided requesting an escrow analysis. I received an automatic reply stating that my email was received and that they would review my request. As of XX/XX/XXXX, I have yet to receive a response.
Product: Mortgage

I received an escrow balance check for $ 600+ In XX/XX/2019. Unfortunately the check was lost and Ive been trying to get a reissue for over 10 weeks. The mortgage company claimed they are investing the situation but I havent received additional information or a reissue of the escrow check. 

Ive spoken to three customer service representatives on this matter to no avail. The mortgage did company confirm that the check did not clear however Ive received no further information on the reissue. This company has become difficult to work with.
Product: Payday loan, title loan, personal loan, or advance loan

Smile direct club filed bankruptcy in XX/XX/XXXX and ceased all operations. The service that was being financed was not completed, but the finance company, Healthcare Finance Direct, continues to take payments for services that I am no longer receiving as of today.

Healthcare Finance Direct Has stated several times they are waiting on the bankruptcy proceedings to be finalized, which they have, yet they continue to draft my credit card. Ive notified my credit card and disputed the issue every month in XXXX and Healthcare Finance Direct continues to charge me.

I received an email from Healthcare Finance Direct stating the wind down of smile direct club and that I may be due a refund yet they continue to draft my account. 

Each month Ive had to dispute these charges that they continue to draft.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have illegally obtained information about my bankruptcy and inaccurately reported it on my credit profile. I have documentation from the bankruptcy court explicitly confirming that they did not share this information with any credit bureaus, yet it is being reported on my credit file as of XX/XX/2024. This false reporting has severely impacted my ability to obtain credit, as lenders rely on the information provided by these credit bureaus to assess my creditworthiness. The presence of an improperly reported bankruptcy has led to declined credit applications, higher interest rates, and damage to my financial reputation, despite the courts verification that no such disclosure was authorized or made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft and I am trying to protect my credit file because of a unauthorized access to my credit. I found new accounts that have never appeared before on from the following copmanies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX . PLEASE DELETE THE ABOVE UNVERIFIED ACCOUNTS. I am disputing them again under 611, 623, 609 FCRA.
Product: Debt collection

Dear CFPB Representative, I am submitting this formal complaint against LVNV Funding regarding an inaccurate and improper reporting of an alleged debt in the amount of {$470.00} on my credit report. 

I disputed the alleged debt pursuant to 15 U.S.C. 1692g and formally requested that LVNV Funding provide me with verification of the debt. This verification required a sworn statement affirming the truth of the matter, with firsthand knowledge and notarization. Despite my request, LVNV has failed to provide adequate verification.

Under the Fair Debt Collection Practices Act ( FDCPA ), once I disputed the alleged debt, LVNV was required to cease all collection activities, which includes reporting the debt to the consumer reporting agenciesExperian, XXXX, and XXXX. However, LVNV has continued to report this alleged debt, thereby violating the FDCPA.

Additionally, LVNV Funding does not have my consent to communicate with me through any medium. Furthermore, I did not authorize LVNV to obtain, use, or report my personal and private information. This unauthorized action constitutes aggravated identity theft. I also did not consent to LVNV reporting this information in my name to the consumer reporting agencies.

I request the CFPB to investigate this matter and take appropriate action against LVNV Funding for its failure to comply with federal law. I also request the immediate removal of this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 

Please provide me with a response regarding this complaint at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Mortgage

I have had my family home foreclosed on but we do not know by who? The alleged Plaintiff, XXXX XXXX sent my a letter saying they did not do it and that they do have authority do so, but the court aloud it. The alleged servicer, Nationstar, did not initiate it either. Therefore, the law firm, XXXX XXXX XXXX, was not hired to file the foreclosure by neither party. Finally either party will show certified copy of note to verify debt, under UCC 501 or FDCPA. So, why are we losing our home?
Product: Credit reporting

I applied for a car loan through my employer XXXX on XXXX/XXXX/2015, I was declined because of my experian credit score which showed XXXX. Through Credit Trackers and my XXXX XXXX card I am able to constantly view all three repositories which show XXXX at XXXX XXXX XXXX & Experian XXXX therefore, my average score given was XXXX. There has been no alert to me which shows any adverse action which would lower my score and XXXX could not explain, I contacted Experian who requested that I pay a fee in order to view my credit.
Product: Debt collection

Aspen Properties LLC has file foreclosure proceedings ( sales date XX/XX/XXXX ) on my home located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX using incorrect financial information. In XXXX I took out a home equity line of credit with XXXX XXXX XXXX. The credit line was for roughly {$190000.00} XXXX XXXX closed down the credit line in/or around XXXX. Aspen Properties has acquired the loan and incorrectly claim that I owe {$190000.00}. I have repeatedly asked Aspen to sent me documentation of all the withdrawal AMOUNTS from the HELOC as well as the DATES of those withdrawal but to no avail. The amount Aspen allege that I owe is incorrect and I hereby respectfully request a correct accounting of all transactions including amount withdrawn and dates from that HELOC.
Product: Credit card or prepaid card

I don't remember when I first called asking for a credit card bc I never received mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I knew it had annual fee, however, I was told once I got a working card they would remove interest. So I called to ask politely. He talked to the supervisor & decided to close my account due to no activity. I JUST GOT MY CARD. I want to review this company. The first guy said it didn't matter if I had a card. As soon as you qualify they charge you interest, I said that's illegal. I think they aren't doing things on the up & up bc I wanted to pay annual fee. Now on top of all that. The card I finally got has the last 4 digits as the card I never got. So someone else might have my stuff. I've already had to get new bank card.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Debt collection

showing past due 90 days And I do not Have the vehicle in question