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

I recently ordered a credit monitoring package that helps take unauthorized inquiries off my credit report, In addition to that, the report on this site, is inaccurate. 

First off there are excessive inquires that I did not authorize but are on my recent credit report. 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXI All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Used XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX/ Miscellaneous Finance XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX XX/XX/XXXX XXXX I do not recognize any of these shops except XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX and XXXX The rest of this companies I do not recognize and did not give written, or oral consent to inquire and share it with reporting agencies.
Product: Vehicle loan or lease

I am filing this complaint because my account was reported as delinquent and ultimately defaulted following Hurricane Helene, during which I experienced significant financial hardship.

I own and operate a small trucking business, which is my primary source of income. When Hurricane Helene struck, my trucks were damaged and my operations were brought to a halt. As a result, my income was drastically reduced and I was unable to meet my financial obligations for a period of time. 

Despite being in a disaster-affected area, I was not offered any hardship assistance, deferment, or forbearance options from the creditor. Additionally, the creditor continued to report negative information to the credit bureaus during a time when I was clearly experiencing disaster-related hardship. This reporting has had a lasting negative impact on my credit. 

I am requesting that the CFPB investigate whether this creditor acted in accordance with disaster relief protocols and fair credit reporting standards, and that the account be reviewed for : Removal of negative reporting caused by the disaster Retroactive application of any disaster relief policies Documentation of the creditors disaster relief process at the time of Hurricane Helene I am attaching supporting documentation to show my business was impacted and that I resided or operated in a FEMA-declared disaster zone during the time of the hurricane. I am seeking a fair and compassionate review in light of the circumstances. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Purchased airline tickets on XX/XX/2021 with a payment made to the airline via Uplift , Inc. The itinerary was cancelled within 24 hours, after which according to the airline, a full refund would be processed within 7 business days. According to the airline, a refund in full would be made to the original form of payment, in this case to Uplift , Inc. 
Uplift , Inc has proceeded to claim that the money is still owed and accruing interest although the airline claims the refund was issued within 7 business days in accordance to the requirements established by the US Department of Transportation for operators. 
Uplift , Inc has been unlawfully attempting to collect a debt and accrued interest charges for a cancelled itinerary that followed all airline policies and US Department of Transportation regulations regarding this process. 
Uplift , Inc is deceptive and fraudulent in their practices because they claim interest is owed while awaiting refunds just like a credit card charge, and yet offer no protection such as allowing to dispute charges like a credit card does. 
It is suspected that Uplift , Inc may intentionally be misrepresenting balances owed and a supposed lack of payment from their partner airline in order to claim additional money owed from accrued interest.
Product: Credit reporting or other personal consumer reports

A complaint was filed back on XXXX of XXXX This was because of a data breach with XXXX where the accounts were not removed. Also a investigation was requested and accounts came back as verified when a [ proper investigation was not completed. Accounts that were not in dispute were removed without my consent and improper accounts remained on credit report. 
In accordance to 15 USC 1681 1 states that the report must be fair and accurate and also 15 USC 1681e in Compliance procures. 
These accounts are still reporting : 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 am a victim of identity theft/fraud and was able to contact/speak to representatives from all credit reporting agencies except Experians. I wrote them a letter with pictures of driver license and other documents proving who I am telling them I use to be able to login and now using ssan, birthdate, mailing address and answering all theirs questions it tell me something went wrong and to call their number only to be put a loop without being able to speak to someone. This been going on for 8 months and frustrated. Look like someone using my info and I locked out. Their online self help do not work when their issues with online verification cant resolve they need to have a live person to speak to.
Product: Debt collection

Midland Credit management has failed on several occasions including XX/XX/scrub>XXXX XXXX and XXXX to validate debt and provide documentation as required that they can collect and are the valid custodian of said or believed debt. 

According to the FAIR CREDIT REPORTING ACT, falsely reporting a debt as an original debt is in violation of rules and procedures of the act. Not validating the debt with 30 days and providing the requested instrument of validity are in direct breach of the law. Continuing to report false statements on a consumers report, is in direct violation of the law and consumer has the right to file for remedies and damages against the company for these actions if not remedied. 

On XXXX by certified mailing the company was notified of my request XXXX and delivered on XXXX. The company never replied. The company was again notified on XXXX, and XXXX with the same non response outcome.
Product: Vehicle loan or lease

westlake finacial is still reporting a charge off after seven years on my credit reports, and they are showing a payment made two years later, trying to re-start the time period, I have talked to them, and they said that they will not remove this from my cedit, and will not show me proof of a re-start payment that they say was made in 2019, this is two years after the repo of the vehicle.I have never made a payment to them.
Product: Credit reporting or other personal consumer reports

I filed a ftc report because i found inaccurate accounts on my credit report and nobody is helping me at all.
Product: Mortgage

Greetings, I have been trying to get a loan modification for the past 5 years. I have tried to work with lawyers and the bank. The bank was mailed a check in XXXX of 2010 and they returned it. I called and offered them XXXX in a cash wire transfer and they refused and hung up the phone. Not just once, but twice!! They got a payout from taxpayers to save their businesses when I did not. Is n't anyone going to stand up to these thieves. They lost my paperwork and I have been fighting them in court for the past several years. I saved MY hard earned money to put down XXXX % for my house. I built it. They do n't care but it 's my last investment. I DEMAND that they follow the law and give me the home loan modification. 

Chase bank needs to be held accountable. If I went down the street and stole a purse, I would be in jail. Chase bank gets to pay a fine and business as usual. 
I will be contacting my Congressman. I vote. I mean it. I 've had it and so have the rest of the American people. 
I want that home loan modification that I deserve today! 

Thank you for your time and attention. At least we have this agency to stand up for what is right. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan does not belong to me Im a JR so this is not my debt its saying the account was paid in full but I need it removed
Product: Checking or savings account

My us bank reliacard account froze my account during covid pandemic I can not remember how long. Or when exactly it began.. but there was a balance of XXXX in my account and I could not. Access funds .. i. Called and and called and called usbank.because there was no notice of anything wrong with my account and. I needed the money to survive... I couldn't transfer money or use the card at ATM. I can't believe how difficult it was dealing with the issue my ex girlfriend _then current _girlfriend. And I were left on the street and I was told by customer service there was nothing. I could do. I lost everything because there was no solution... Other. Than call unemployment, I contacted unemployment office after a few days of the line being. Busy or just not working and waiting on the. Fone for hours.. no. Solutions.. I couldn't pay the phone bill I lost the ability to have the convenience. Of using I ter et.. I can tell. You the mailing. Address of where the uscard was sent to XXXX Texas originaly and where the address was changed to after the account was froze... But I have absolutely no documents because my ex wife and I had problems communicating and getting. Along because of personal issues and but. My name and. Social and I haven't changed my fingerprints
Product: Prepaid card

In XXXX, I received 3 AMEX prepaid gift cards with a balance of {$25.00} on each gift card, so a total of {$75.00}. When trying to use these cards at any store in person or online, I am always declined even though all of the card balances say {$25.00} on the AMEX website. When adding the card to websites online, it charges me a small fee of about {$0.00}, and STILL doesnt go through with the purchase. I have tried to resolve this issue with customer service multiple times, but I have never came to a conclusion as to why this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report, and this my XXXX time filing my complain to your agency and the problem on inaccurate reporting is still existing to XXXX bureaus. I have consistently disputed the inaccuracies in the following information with Equifax, XXXX, and XXXX ; however, regrettably, the matter remains unresolved to this day. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item. 
XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2021 XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please ensure that all information is accurate 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Mortgage

RE : CFPB COMPLAINT # XXXX AND XXXX LoanDepot responded to both these complaints with misinformation. I was told by their employees that when I was ready to come out of forbearance to call them before the end of the month I was coming out. Since I wanted to end it at the end of XXXX 2021, U called them on XX/XX/2021 and informed them that I was going to leave forbearance at the end of the month. They decided to make the date XX/XX/2021 instead of XX/XX/2021. Some of their documents use both dates. The other issue I have is that in their response they told me underwriting never reviewed my application due to their oversight and now I will need to reapply with a new application. When I call and speak to their reps on the phone, I am told all I need are a few more documents ( bank statements and an HOA letter ). They told me I do not need a new application. Who am I to believe? It has been almost three months of inaction on their part and now this misinformation. No one knows what is going on. In their letters they say they are there to help in times of need, is this the kind of help they deliver to their customers in times of need??? I feel that their inaction and cover-ups need to be looked into. I know they are a large company but they need to do what they promised and help us through this crisis.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX ]. I request that my name be updated to reflect the correct information. 


Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, XXXX ], but my credit report shows an outdated address as 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  ]. I request that my current address be updated accordingly. 



I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

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

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX ). It is plainly stated that a failure to investigating these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an old account which was XXXX XXXX  card in XXXX. I submitted a paid in full letter 4 times to Experian and have talked to them regarding this 5 times. Each time Thier investigation says valid no change. So I call them up again and tell them it has been paid and the credit report needs to reflect paid And it still doesn't. It says collection and reports as collection I'm XXXX of this yr. How many times do I have to keep doing this. Since XXXX XXXX doesn't own the account anymore they can't do anything about it. It was also supposed to be removed from my report
Product: Debt collection

This account started showing up on my credit report a few months ago. I have never had an account with this company, I have requested written proof multiple times
Product: Debt collection

I have a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I have a a unverified account from a XXXX XXXX XXXX XXXX, that came about from a Identity theft that I was unaware of from XX/XX/2004 from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX or STONE CREEK FINANCIAL INC, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that STONE CREEK FINANCIAL INC, XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I have no association with these inquiries or creditors