23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

First, credit acceptance charges me {$20000.00} for a XXXX XXXX XXXX with 90,000 miles but told me otherwise while signing the contract. I had put down {$7000.00} as a down payment and was told my balance was about {$10000.00}. In the process of a week or two of having the vehicle I had major oil leaks and they took their time to try to solve the problem which they didn't sometimes my 30 days were up on to return the vehicle to get my money back or switch with another vehicle but it was the dealership. Credit Acceptance refused to help me with the problems even the temporary warranty but when I told Credit Acceptance about the problem the dealership told me it was going to cost me {$10000.00}. But still no help but anyway down the long, I was stuck with a vehicle whom I had to put oil in a vehicle every three days to four days a week the vehicle was vandalized in XXXX so my insurance company paid off what the vehicle is worth which was XXXX which was totaled out I'm outta vehicle and credit acceptance still have a balance of {$4000.00} and late payment when they supposed to pay off this vehicle. And off my credit!
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Debt collection

I am CEO of my own company, XXXX XXXX, a small consultation firm. The defendant, Midland Credit Management Inc., stole my identity and committed acts of grand larceny. According to my credit report, Midland Credit Management Incorporated tried to extort {$550.00}. They have repeatedly harassed and menaced my place of business in order to extort money from my business and commit new acts of grand larceny.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to report Experian allowing fraudulent accounts on my credit report. In Experian 's investigation, Experian stated that a charge on my account from a company named XXXX is valid because of paperwork they sent, but it is not. The paperwork that Experian received from them does not have my correct address, the phone number ending in " XXXX '' on the paper work does not belong to me, the email address is not mine, and the " credit card '' listed ending in XXXX does not belong to me and the company stated monthly payments were coming out of that account. I did not have any monthly payments coming out of a credit card nor checking account. This account is not mine. The account does not belong to me. The account is fraud. Also ( proof attached ) the paperwork does not have my signature. The signature shown on the paperwork is not an original signature. It is some type of electronic signature. How can Experian accept anything like this as proof and they are aware of my identity being stolen dated back in XXXX. I want Experian to remove that fraudulent account from my credit report. It does not belong to me.
Product: Debt collection

Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : Dynamic recovery solutions original creditor : XXXX original account number XXXX current Creditor : XXXX DRS Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against Equifax regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, XXXX has failed to take appropriate action.

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that Equifax follows the necessary procedures outlined in the FDCPA to rectify this issue promptly.

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Equifa has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately.

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against Equifax for their failure to comply with the FDCPA. 

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

I received a credit alert from XXXX stating that Elan Financial Service reported that my balance has increased to {$2900.00} and as the result, my credit score dropped by XXXX points. I checked my XXXX credit card statements for the entire year and did not see any statement balance that exceeds {$2000.00}. I paid the majority of my credit card balance before the statement date and have auto payment set up to make sure I pay off my credit card every month so that my credit score won't be impacted. I contacted Elan Financial Services, the credit card issuer on XX/XX/2022, and was told that I need to speak with XXXX. When I called XXXX on the same day, I was told I need to speak with Elan Financial Service. 
I don't know whom I should contact and what I can do to prevent something like this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both transunion and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind.

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XXXX  I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XXXX  I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XXXX  I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX This account was settled but its still showing a balance, please remove it. 

Account XXXX XXXX XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened XXXX XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XXXX  Balance : XXXX This account was paid in full ( never settled ), so its wrong, please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XXXX  Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : XXXX I have no knowledge of this account, please remove it. 

Account : XXXXXXXX XXXX XXXX XXXXXXXX ) Date Opened XXXX XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX, XXXX Authorized Representative on Behalf of XXXX XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting of false information about my payment history to XXXX and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX and all other credit agencies. 
In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.
Product: Credit reporting or other personal consumer reports

I been having a fraud alert on my XXXX  credit report for a while. Due to many fraudulent accounts that been open without my consent. I'm not for sure if it's either on are reporting to all three credit bureaus. These credit card are open fraudulent without my permission. What's being reported is inaccurate and please remove these fraudulent accounts on my credit report immediately. Here they are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccuracies on my credit report despite my multiple requests for re-investigation. Although my previous complaint was closed, the errors remain unresolved and continue to negatively impact my credit score. 

XXXX. I have made several attempts to resolve this issue, but the inaccuracies persist. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly re-investigate or correct the inaccuracies on my credit report. 

XXXX. FCRA Section XXXX ( b ) ( Maximum Possible Accuracy ) : The credit bureaus failed to ensure the information reported was accurate and complete. 

FCRA Section XXXX ( a ) ( XXXX ) ( A ) : The bureaus did not take appropriate action or conduct a thorough re-investigation following my dispute. 

I request that appropriate action be taken to ensure that XXXX, XXXX, and Equifax comply with the FCRA and correct the inaccuracies on my credit report.
Product: Checking or savings account

Chime/ XXXX has temporarily closed my account due to verification. I sent all necessary documents they wanted and I keep getting the same email and I tried calling get nowhere. They tell me they will escalate to support team but they send me same email over and over requesting documents that I sent so many times that the link to send more tells me Im maxed out to send more documents. I need help with this bank because my Social Security gets deposited here. Please help me resolve this. I appreciate it. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXXXXXX The following accounts do belong to me, however the dates for the lates are incorrect. 
DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX
Product: Checking or savings account

XX/XX/2017 I had {$420.00} taken from my VA XXXX comp deposited into my XXXX   XXXX checking account from XXXX XXXX. I called XXXX XXXX and was told no my SSN, Date of Birth, and other information did not match the account that charged to my debit card but since it was fraud I had to file a dispute with my bank. For many days I tried to contact XXXX XXXX XXXXo file a dispute finally after weeks of calling, being told I needed the " level 2 fraud '' department then after being transfered I woule get a message saying that they were busy and to try again later and abruptly hung up on, I finally got a hold ofsomeone and told them that I feel that should have a call back option. The rep got extremely rude and said thats just not an option, call back or don't, is there something I can help you with or not, in a rude tone. So finally I explained the situation and was told they would sebd out paperwork. I submitted the forms they sent tgat I recieved 14 days after talking to them. With my SSN and dob to show that wasnt my account because it toom so long I couldn't pay rent as my VA is rent money, we just went through an eviction and just foubd a place, then mid XX/XX/XXXX they gave a {$420.00} credit, and now today hours before my VA is to be deposited they removed {$410.00} from my account as a credit reversal, I was told the dispute is still ongoing and that they don't have a reason and don't have to give a reason as to why the credit was taken. I have a XXXX XXXX old daughter and a wife and am a XXXX. This is horrible treatment. I held up my part, tge company agrees account isnt mine, and these guys just randomly cor litterally no reason reverse a credit one day before my VA/rent money comes in? And when I ask for someone else they hung up on me. This is horrible mistreatment.
Product: Checking or savings account

I was robbed for {$5600.00} from something called XXXX XXXX. I placed a dispute with Chime on XX/XX/XXXX because they told me I had to wait until the transactions posted and was asked to provide as much supporting documentation as possible. I have uploaded emails that show I have tried to reach out the merchant and cant get a response. I have uploaded a police report. Ive even uploaded the websites refund policy! Yet Chime has not given me my money back. Stating that they need to exercise their timeframe of XXXX days. ( Ive had a prior issue that was settled in XXXX hours! ) Ive been with Chime for XXXX  years. Never had a problem until a month or so ago when my phone was stolen. While these people were charging my card over and over again never once did I get a text verifying if I was completing these transactions!! No locking my card for suspicious activity. NOTHING!! They literally charged my card XXXX times!! Please help me. I have XXXX children and we are supposed to be moving. They have cleaned out my account and Chime could care less about it. Their policy is XXXX business days for the provisional credit which will have me completely late on rent and I will be facing an eviction with XXXX kids at that point.
Product: Credit reporting or other personal consumer reports

After multiple submissions of identity theft reports to both your bureau and other regulatory entities, I am disheartened to find fraudulent accounts still listed on my credit report. Despite my detailed communications, these entries persist, further exacerbating the harm caused by this theft. 

The following accounts are not legitimate and have been reported as fraudulent : XXXX XXXX  ( original creditor : XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. 

Their continued presence undermines my efforts to restore financial stability. This issue has been repeatedly brought to attention, yet the resolution remains inadequate. I trust your bureau will take immediate action to address this matter effectively
Product: Debt collection

XXXX XXXX XXXX loan debt was charged off showing XXXX balance. It still shows a balance of {$20000.00} on XXXX credit report. Please assist with getting it reposted properly
Product: Credit card or prepaid card

I was a victim of identity theft in XXXX of this year. At least one other bank account was linked to my Bank of America ( BoA ) credit card account in my name and my previous two payments in the amounts of {$1800.00} and {$810.00} were " refunded '' to the account ( s ) in question. Pursuant to section 609 ( e ) of the Fair Credit Reporting Act, I requested from BoA all documentation relating to the fraudulent transactions including bank account numbers and all records of phone numbers used to activate or access the account. With my initial request, I included a copy of my driver 's license to verify my identity, a copy of XXXX Police report no. XXXX, and a copy of FTC Identity Theft Report no. XXXX. One month ago, XX/XX/22, I received a BoA customer service agent XXXX, who informed me that she could not provide any of the requested information and that BoA would only provide that information to law enforcement. I brought to her attention that the victim is entitled to that information directly. They have had more than 30 days to provide the requested information and are now in violation of federal law by refusing to do so.
Product: Checking or savings account

I have contacted bank of america numerous times in person at the various branches and by automated phone service numbers regarding my personal bank account. I have had XXXX XXXX XXXX  held and removed from my account without warnings or notices of any type. I wrote bank of america a letter via the usps for copies of the alleged court orders which my home branch stated were the reasons for the missing money in my account. This letter was sent regular mail from the post office of the XXXX XXXX XXXX The letter was sent in XXXX of this year and I never received any information back. I recontacted the branch and informed them on at least 2 occasions. They refused to provide copies of the orders or state reasons for the missing money.
Product: Mortgage

My husband and I closed on a property in XX/XX/XXXX with XXXX XXXX XXXX. The agreement we signed with XXXX was that property taxes and property insurance would be escrowed and paid by the mortgage company. When we closed, we put {$1600.00} into the escrow account for property taxes. 

XXXXXXXX XXXX XXXXXXXX immediately sold our mortgage to Rushmore Servicing. I am now being told that Rushmore will not be paying our property taxes. I have spent more than 2 hours in total talking to at least 8 different people at Rushmore about this issue. I am being told, because this is a newly originated account, our escrow can not be analyzed until XX/XX/XXXX. Our account was not originated by Rushmore, it was originated by XXXXXXXX XXXX XXXX and our agreement with XXXX was that taxes and insurance would be escrowed and paid by the mortgage company. If Rushmore has changed that agreement and decided they will not be paying the taxes, then an exception should be made to the 10-month rule and my escrow should be analyzed. 

I am requesting that my escrow be analyzed and my monthly escrow payment be adjusted to collect only funds needed to pay my insurance. It would stand to reason that if I am going to be required to pay my own taxes, then I should be refunded the {$1600.00} I paid into escrow for taxes at closing and the tax portion of any escrow payments I make between now and the refund date.

If I continue to pay the full escrow payment, Rushmore gets to hold almost {$5000.00} of my money knowing they will not be paying the taxes. By the time my escrow is analyzed in late XXXX and a refund is issued, my property taxes will be delinquent.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that Equifax thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : Equifax : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy. 

Requested Action : I request that Equifax perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of XXXX % on-time payments. 

Please confirm the removal of these inaccuracies in writing within XXXX days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX