23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXXXXXX XXXX late payments are on my credit score and i have submitted letters and also called the XXXX in regards to this payment should not have been reported late i never received the billed for those XXXX  months that are marked late on my closed acc XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b
Product: Credit reporting or other personal consumer reports

Uplift , Inc reported to XXXX a balance of {$70.00} on XX/XX/XXXXXXXX  and has been marking the debt as a charge off from XX/XX/XXXXXXXX  to XX/XX/XXXX. This information is incorrect. I never received a letter informing me of a balance. The account was set to auto draft and a paid the debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,
Product: Prepaid card

I purchased Reloadit brand reload packs for a XXXX prepaid card. This company requires you to load these packs into an online 'safe ' and then from there you can load your card. The website allowed me to load these packs into my safe, then would n't let me load them to my card. I logged out and came back later to find the company had locked me out of my own safe. I called their customer service line numerous times. I was accused of stealing these packs and was told I must provide proof that I bought them. They considered it suspicious to have purchased these packs from more than XXXX location with days between each purchase. At XXXX point they even said I should expect to be contacted by the FBI. 
The customer service representative gave me an email address to send the proof that I had purchased the packs. I was required to send photos of the reload cards and receipts. I was also required to provide a photo of me holding a government ID. I emailed everything the same day. I called back a week later and the person told me he never got them, then asked for my landlords telephone number to prove I live where I said. He started counting down from XXXX, when I would n't give it to him he hung up on me. I called more times. They put me on forever holds on more than XXXX occasion ( that 's when you get put on hold with no intention of them returning to the line, XXXX minutes without checking in ) They locked my account permanently with {$650.00} dollars in there. 
A number of days after being told by phone they never got my email, somebody responded to the email I sent them. She asked for more information and was quite polite. Then she called me to confirm my address for the refund check. 
Still no check. I emailed her and now she is unresponsive too. This has been going on for months. Every person I call now says there is no way I 'm getting my money back. I recently called them again to try to resubmit the information they require. They said they wo n't be making any effort to resolve this issue and my money is gone.
Product: Vehicle loan or lease

Truck was picked up for voluntarily on XX/XX/2017. This still has not reflected on my credit and is still accruing fee 's, etc. This needs to be updated as a closed account effective XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and haro inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX, and XXXX refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The XXXX XXXX XXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( Trans Union, XXXX, and XXXX ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.
Product: Credit card or prepaid card

I reported credit card transactions on a chase credit card of mine as fraudulent charges to chase credit card company. 
I see merchants listed for those transactions I reported, are some shape of business that sells merchandise and provide services, however I have not had any business with those merchants and have not received any merchandise or services from them. 
It seems that my chase credit card had been illegally charged by listed merchants that acted as money launderers that worked with an unlicensed online casino that I had used in the past. 
Chase credit company came to a conclusion after an investigation that I am responsible for all transactions I reported as fraudulent transaction.
Product: Debt collection

this popped up on my credit report and i have not had done business with at t that im aware of.
Product: Other financial service

I was scammed by Park View Credit. I was having a difficult time buying a house because of a foreclosure on my credit report and another item. On XXXX XXXX, 2015 Park View Credit called me and promised they can remove the foreclosure and the other item off of my credit for a fee of only {$350.00}. During a long phone conversation, Park View Credit promised me they would refund me the {$350.00} if they ca n't remove the foreclosure and the other item off of my credit. Park View Credit also promised me that they can remove the items off of my credit in two to six months for the same {$350.00}. Park View Credit offered me an optional service for {$89.00} after the first two months. I made it clear to the sale representative on XXXX/XXXX/2015 I did not want the optional service for {$89.00}. 
Park View Credit told me that I will receive letters from them and from the credit reporting agencies that show that they have been working to remove the items off my credit. I did not receive the letters from Park View nor did I receive any letter from any credit agency. I checked my credit and the items are still under my credit report. 
On XXXX XXXX Park View Credit started charging me the optional {$8900.00} that I said I did not want. I called customer service and I was told that Park View Credit has not removed the foreclosure off of my credit. I was told if I still want them to remove the foreclosure I will have to pay them the {$8900.00} until they can remove it. I canceled the service for breach of contract and requested a refund ; Park View Credit refused to refund my money. 
Park View Credit lied to me over the phone ; they lied to me to trick me into signing up for a service that they never had any intention of delivering. Now they tell me that they ca n't remove the foreclosure and the other item off of my credit but they are not refunding my {$350.00} plus the additional {$8900.00}.
Product: Mortgage

On at least XXXX occations I made a payment for my mortgage to LoanCare via their website and the payment was never ran. Because the payment did not run I was then charged a late fee and my credit report was damaged. I am requesting that my account be moved to good standing and my credit report corrected. Attached you will find the statement from XXXX NOT reflecting the payments and also you will find XXXX email confirmations showing the payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have various accounts that I do not recognize on my credit report that should be removed immediately
Product: Credit reporting

I HAVE BEEN TRYING TO FILE A DISPUTE BUT I CANT ANSWER ALL THE QUESTIONS AND ITS VERY SUSPECTUAL THAT SOME OF THE THINGS THEY ARE ASKING ME HAVE BEEN DONE BY SOMEONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because  XXXX ,   XXXX   XXXX   and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.
Product: Vehicle loan or lease

I had a hit and run accident XX/XX/2021. Upon have the wreck I contacted XXXX to notify them that my car was totaled. I was told that I didnt need to make any payments because I had full coverage and gap insurance. Kia motor finance was paid but still continued to report delinquent payments for 2-3 months resulting in my credit score dropping. Now I cant go get a new vehicle because of the late payments represented on my account.
Product: Debt collection

In    2013  I considered taking a course at  XXXX   XXXX   College  online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX all three have incorrect information and or have not deleted information from my credit report as they should have. One might have deleted it but the other two has not deleted it. My credit is up and down and will not get better until the three reporting MY CREDIT on an even basis. As one example, TDS was paid off but it's still on my reports for two of the listed above but it was taken off the other.. This is not the only one. Also I have requested from all three reporting agencies that the phone numbers, addresses and employment that they have and are showing to be removed. These things are not mine, I do not own them and they have nothing to do with me. The only address I have is the one I'm paying rent for, the only phone number I have is the one I pay for and I don't have a job at this point in time.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear XXXX. 

I XXXX XXXX Consumer and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- national credit systems. account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account nameXXXX. 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX MD XXXX I sent out 3 certified disputed letters one to TranUnion, XXXX XXXX and XXXX XXXX XXXX Delivered at XXXX XX/XX/2022 XXXX XXXX Delivered XXXX XXXX XX/XX/2022 XXXX TransUnion arrived at the USPS XXXX, PA XXXX XXXX XX/XX/2022 now here it is XX/XX/2022 the certified mail is still at the USPS waiting to be delivered more then 30 days later they never investigated or picked the mail up. With your help I would like for TransUnion to delete or remove what items I was disputing from my credit report because this is a clear violation of the Fair Credit Reporting Act Laws. I have documents attached time and time either they ignore or get say its verified now I sent certified mail and they just ignored it. Help Me Please CFPB
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I have also attached evidence. 


XXXX XXXX - Inquiry Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equity is my GOD GIVEN RIGHT!
Product: Credit card

I called XXXX on XX/XX/XXXX, XXXX as I saw that my balance had significantly been raised. 

I was contracted an HVAC company to replace an AC/HVAC unit and this is the company the recommended that I use. The rep from the company told ne it was an 18 month zero interest program. 

I opened an app on the phone and began making monthly payments. 

In XXXX of XXXX I saw that my payoff was {$8500.00}. 

This month I saw my payment at {$12.00}, XXXX I called to see what could be done and what had happened. They said that I had 30 days to make the payment without interest penalty and that the promotion had ended on XXXX, XXXX, XXXX. I am now 34 days out. I explained I use my phone app to make all payments and did not see that the promotion had ended. I explained I would pay the entire amount immediately. They checked with a supervisor and they said that was not an option because I was outside the window of 30 days seeing that it was day 34 today. I again was unaware that an interest charge that large could even be applied to any card. I would think it would at the most be applied to the money that I still owed them. They were unwilling to negotiate full payment, a compromised payment to include late fees and some interest or whatever I suggested to make a complete payment and be done with the account. 

I contacted the Consumer Financial Protection Bureau to try and support me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX Dear XXXX XXXX  XXXX, XXXX XXXX XXXX is now XXXX XXXX. 

Thank you for your email with XXXX received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at XXXX XXXX XXXX XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX. - XXXX XXXX., and Friday, XXXX XXXX. - XXXX XXXX, Central Time, and our website address is XXXX. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Transunion consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Transunion, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. On XX/XX/XXXX and XXXX 2022, I called Transunion asking them to remove the inquiries since they have received the FTC report and I was told they had not received it on both calls. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my report.
Product: Debt collection

I asked TrueAccord for a declaration of Debit. Showed proof that I was not the person who owned the debit. They then decided to give me a derogatory remark followed by sending the debit I contested back to the XXXX XXXX after I disputed it.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft ; someone has stolen my information and opened several accounts. I have had no knowledge of these accounts. I have requested validation, made pursuant to the Fair Debt Collection Practices Act which is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay these accounts and have received no response. It is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if this debt can not be validated it must be requested that all credit report agencies delete the entry.
Product: Mortgage

I owned a home that Litton Loan was the mortgager in XXXX when I settled the debt. Ocwen Loan Servicing who bought Litton Loan has been reporting that I had a loan with them that was settled in XXXX and was 120 days past due at that time. This is an excerpt from my XXXX Credit Report... 
XXXX Account name OCWEN LOAN SERVICING XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Mortgage Terms 30 Years On record until XXXX XXXX Recent balance Not reported Credit limit or origi- nal amount {$120000.00} High balance $ 0 Monthly payment Date opened XXXX Date of status XXXX First reported XXXX Responsibility Individual Status Paid in settlement. 
Comment Account paid in full for less than full balance ________________________________ I have dispute the validity of this reporting with the credit bureau but they have said it was verified as correct by Ocwen. I have been calling and corresponding with Ocwen for the last several months, requesting that the provide documentation via original loan documents, settlement statement, payment history, etc. However, when I call they are unable to verify that I or this loan exists in their records. I have provided per their request full name of borrower ( myself ), property address, original loan number ( Litton Loan ), social security number and my current contact information, as well as a copy my credit report showing their reporting. I have provided this via phone, US mail and email yet they insist there is no record of me or this loan.