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

I got a car I got a title loan on the car with loan they then I after I got into a car accident they wouldnt come pick up the car and then they are charging me exuberant amount of money. It says I owe {$28000.00} on XXXX, XXXX and XXXX XXXX They have never tried to work with me. They never came and picked up the car that was only bought for {$2000.00} but my loan is saying its a {$28000.00} loan on a car I borrow {$2000.00}. That is it and then my identity was stolen and then my unemployment benefits were brought 2020 hit the pandemic hit. I was unable to make any payments on this loan after being brought it and identity and Ive had nothing but bad stuff on my credit since it says that I got alone on this card I got a {$2000.00} loan is sitting at XXXX on my XXXX  XXXX and XXXX. I would like them to put it down as a {$2000.00} loan I do not owe them {$28000.00} on a car that was only bought for {$2000.00}. Its not even worth {$20000.00}. I never agreed to pay {$20000.00}. I would like them to take that off my record. there was nothing I could do to fix this problem. They wouldnt work with me. They wouldnt come pick up the car that was in the car accident. They didnt do anything. They wouldnt help me whatsoever. I would like them to stop and get that off my record. I never got a car. I got a title loan. That is it Right and they have never tried to work with me. I do not want to pay {$30000.00} for a {$2000.00} loan thats ridiculous.
Product: Debt collection

I have no information about this company or this debt. I have not received notification or billing information and have no idea who this company is.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted this request 4 times to be fixed and Transunion has yet to fix it even though XXXX  corrected it. My score is XXXX on XXXX and XXXX on Transunion. The problem is with a credit card issued by XXXX that Transunion has deleted from my file. I explained that it should have not been deleted as I am a signor on the card and have been for many years. XXXX  corrected the mistake and Transunion has yet to do anything even though I have submitted the evidence and they can see that XXXX corrected the problem. I have called, submitted the corrections to them 4 times and they fail to so anything, I want this error corrected so my credit file reflects the XXXX card that is mine. The card was opened in X/XX/1998 and is in good standing. I have been an authorized user for years and has always reported on my credit file. I want them to restore it so my credit score reflects the correct amount of XXXX. 

Please help me in this matter as they have wasted many months on this and refuse to do anything even though the evidence reflects that they should of corrected it a long time ago. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

I have noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.
Product: Prepaid card

I tried to use my {$25.00} virtual gift card to add balance to my XXXX account. For some reason there was a {$.00} hold not allowing me to use my full {$25.00} benefit. I was able to add {$24.00} to my XXXX account. Now I am stuck with a {$.00} gift card that I can not use anywhere. Everyone requires a minimum of {$1.00} to make an online payment. I want a check for my remaining {$.00}. It is like the company secretly does this so people just ignore/forget the {$.00} and they pocket it. It is my {$.00} but due to their " hold '' I am not able to use it anywhere. I want it back. I deserve it. This is blatant theft. Holding back {$.00}, that I would not be able to use anywhere. 

The card was activated on XX/XX/year>. The {$24.00} charge to XXXX went through on XX/XX/year>. 
I tried calling their number ( XXXX ) XXXX ( 5 ) times between XXXX and XXXX ( CST ) on XX/XX/year> to try and resolve the issue. The number just rang and was never answered. I called again at XXXX XXXX  CST and got their automated system. It just continued to reroute me to balance and to use the website. I had no option to speak to someone to resolve the issue. 

It is an American Express prepaid gift card, I was given as a reward payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX Balance {$0.00},
Product: Credit reporting

please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you
Product: Credit reporting or other personal consumer reports

Sold a home, and the Title company was supposed to pay off the remaining balance of the home. At this point I believed the deal was finalized. I received no notification of late payments from XXXX XXXX and believed it was closed. It was not until I attempted to gain a car loan that I was informed of late payments and a pending foreclosure. I reached out to XXXX XXXX who emailed me the loan records and the late payments. I then made contact with the Title company who at first stated that the loan had been paid. It was not until later that I discovered that the Title company failed to pay XXXX XXXX. I finally got the Title company to pay off loan, but XXXX XXXX stated it was not their fault and they would not remove the negative damage. This is after they became aware that it was the title company that was at fault. I have attempted to dispute it through Experian who pretty much wasted a month to tell me what I already knew, the loan was paid off. My credit score went up XXXX points, but it did nothing to remove the negative report. My XXXXredit score is still not where it was. The title company is not taking responsibility. XXXX XXXX, who is aware that it is not my fault is refusing to do anything. I did nothing wrong, but I'm paying for everyone 's XXXX XXXX  The credit reporting companies won't do anything. And after a long discussion with them there is little they can do. Why they offer dispute resolution is beyond me. They can not and will not dispute a bad credit report. So don't waste your time with them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provide me with the documents their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting

There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved.
Product: Credit reporting, credit repair services, 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/2022, 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. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

My chase ink credit card was stolen and misused without my permission! I have attached the police report below
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681. 

XXXX XXXX XXXX XXXX  account # XXXX on date XX/XX/2022. Comenity Bank/XXXX XXXX  account XXXX XXXX on date XXXX XXXX has violated my rights. 

15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent in separate, notarized and certified letters ( enclosed with my proof of identity including a copy of social security card, and Driver 's License ) requesting that all hard inquiries be removed from my Credit Reports to XXXX, Equifax, and XXXX because I was unfamiliar with the inquiries and fraudulent activity was posted to my accounts. 

I have even called on several occasions confirming my identity confirming I was unfamiliar with the inquiries and that they were furnished without my knowledge and written consent to all 3 bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management , XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and XXXX that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.
Product: Credit card

Hello, I believe Barclays card isinvolved in systematic, unfair and predatory practice. The bank entices consumers to sign up for their credit card with an initial milage offer. Encourages consumers to setup automatic payment and online billing. Then charges an annual fee and receives the automatic payment. These transactions are inconspicuous to most consumers these days since we receive so many emails and automatic bank charges. When calling the bank and clearly demonstrating that no benefits of the card plan were utilized and requesting a refund, the bank denies the request even when escalating to a manager. 

I recently noticed that Barclays has charged me an annual fee for a card I have not used for several years. I called Barclays to request the refund for the last charge on the XXXX statement. The customer service agent said it can not be refunded because the charge occurred outside of 60 days as I called on XX/XX/scrub>XXXX I escalated the request to the supervisor. XXXX the supervisor also told me this can not be refunded. Barclays has charged me for three years and for two of those years I have not utilized the card at all and they would not even refund me for the latest charge Please investigate the volume of consumers who are paying annual fees without using any of the card benefits and determine whether it would be a reasonably fair practice to more clearly inform the consumers in such cases after a reasonable time frame and allow consumers to request a refund. 

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

Mortgage company HSBC/XXXX XXXX reported a late payment XXXX XXXX. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via Equifax, XXXX XXXX denied it, claiming it was late. I have evidence to the contrary. 
Also, Equifax has XXXX credibility anymore and should be dissolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX Powered by TRANSUNION. 


In less than 30 days, Transunion Credit Reporting perpetuated a massive 129 point reduction into my credit score for no apparent reason. Furthermore, Transunion seems to have erased all of my past credit history. My Wife and I are retired XXXX  Employees from the XXXX XXXX XXXX. We have always maintained a good credit standing as XXXX & XXXX   clearly illustrate that. We have contacted the Transunion Consumer Dispute office, but they proclaim that their reporting is accurate by their criteria and told us there is nothing they can do to further assist us.
Product: Student loan

Coming up to my final payments for PSLF, MOHELA put my loans into deferment without me requesting it. For my final PSLF repayment, after 119 on time payments, MOHELA took my loans off autopay without informing me resulting in a late payment despite me having autopay on for 10 years and no late payments for 10 years. MOHELA would not reapply autopay despite multiple requests. MOHELA then XXXX  out my loan amount-due despite my loan balance growing. I called to pay over the phone so that I could make my 120th payment and MOHELA wouldn't accept my payment because my amount-due is XXXX but there is no explanation why I have no amount due when my principal is still significant. I have one payment left for PSLF and MOHELA is not allowing me to pay it. Phone wait times are over an hour, sometimes closer to two hours, and I never receive resolution. MOHELA transfers me to the Department of Education, and the Department of Education refers me back to MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

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

Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX  XXXX XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting a wrong address on my credit file. This inaccurate information. places my personal information and credit products to be placed at risk as things are mailed in my name to an address that I have never resided.
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 Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
TransUnion Consumer Report dated XX/XX/XXXX  states : XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX Consumer Report dated XX/XX/XXXX  states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX Consume Report dated XX/XX/ states : XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed.