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

I have filed several letters to Experian and XXXX regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX  consumer contacted Equifax , Inc. at XXXX publicly listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone system allows a consumer to press 1 to request a report, 2 to dispute information related to a report, or 3 to report identity theft. There is no option to request a security freeze through the automated system and no option to speak with a representative to request a security freeze. Furthermore, no representatives are available to the consumer if options 2 or 3 are selected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX  XXXX, TX
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX there was a payment made to XXXX XXXX of a total of {$500.00} from my PayPal account that shouldnt of been made. This was a payment not bad myself. I was involved in fraud. I tried to resolve this with PayPal has it was an unauthorized use and they didnt find anything wrong and closed my complaint. This is something I did not do myself.
Product: Credit reporting or other personal consumer reports

Im writing your agency because these companies are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency. 


these negative inaccurate accounts have already been deleted and i would like it to stay that way, i have kids and need good credit. 


XXXX XXXX XXXX XXXXXXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 




XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 



XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This is in regard to the following inquiries : Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " Citibank tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Product: Vehicle loan or lease

On XX/XX/20 I bought a new car from XXXX XXXX XXXX in XXXX NC. I financed the car with TD Auto Finance, XXXX. XXXX XXXX would not except a Credit Union letter I had for purchase stating that I and the Credit Union was out of state. On XX/XX/20 I refinanced the car with my local Credit Union " XXXX XXXX XXXX ''. On XX/XX/20 the Virgnia DMV mailed the title to TD Auto Finance, LLC. On XX/XX/20 TD told me that the title had been released to XXXX on XX/XX/20. On XX/XX/20 TD told me the title had been mailed to XXXX on XX/XX/20. On XX/XX/20 TD told me that they had never received the title from the Virginia DMV. XXXX XXXX XXXX paid off the loan to TD but TD apparently refuses to release the title. I am told something different every time I communicate with TD.
Product: Credit reporting or other personal consumer reports

The information listed on all 3 credit bureau seems to have misleading info. 
Account type : Experian Credit Report List Auto Loan XXXX Credit Report List Installment loan XXXX Credit Report List installment I understand that installment and auto loan fall within the same scope. If the company is going to use auto loan they should stick with that term throughout credit reporting, it draws a confusion when one credit report listed as auto loan and the others as installment. 
The status of all 3 credit bureau seems to be contradictory Experian Credit Report List Account charged off. 
{$18000.00} written off. {$10000.00} past due as of XX/XX/2023. 

XXXX Credit Report List Charged off as bad debt. 

XXXX Credit Report List Charge-off Status updates are not consistent. 
XXXX XXXX  reporting whenever they feel the need is only hurting my credit. 

Past due amounts are not consistent as well the paid off percentage
Product: Credit card or prepaid card

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed.
Product: Credit reporting or other personal consumer reports

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. XXXX XXXX XXXX  has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U. S. District Courts confirmed name the Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information curently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately. The name the Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ( 1 ) a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.
Product: Mortgage

We closed on our construction to perm loan on XXXX XXXX XXXX with Wesbanco Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Office : XXXX Fax : XXXX. Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reached out to inform us that she was putting our package together to send off for our building permit and she reviewed our draw schedule numbers against the estimate numbers we signed off on in XX/XX/XXXX and noticed a $ XXXX discrepancy. In several attempts to work with Wesbanco to determine where the discrepancy lies to no avail. After multiple conversations and email exchanges with our builder rep, real estate agent, and the real estate contracts XXXX all analyzed the information and documents only to come back to Wesbanco needing to verify some information ( see attached ) which they have not been able to do to date. Below are the questions we have been asking Wesbanco for weeks now and they have not been able to verify or deny : XXXX. The lot contract was for XXXX XXXX XXXX for {$140000.00} ( your attached appraisal says the purchase price was {$150000.00} ) do they have something showing how you got the purchase price information? 

XXXX. The construction contract between ourselves and XXXX was originally for a property on XXXX XXXX with a price of {$800000.00} ( this is the same amount as the XXXX XXXX mentioned in your " Contract '' information on this appraisal ). Does WesBanco know how it was missed that the property reference was wrong for the construction contract vs. the property they were appraising? 

XXXX. The construction XXXX had an addendum that happened after we went under contract for XXXX XXXX XXXX ( but before the appraisal date ) that updated the construction contract property reference AND updated the options. There was an additional cost of {$23000.00} with the XXXX XXXX contract. We need to verify if it is correct to assume the appraiser didn't have this list of upgrades/features when doing the appraisal. And, if not do our upgrade features affect the appraised value? 

In addition, we have asked verbally and in writing for a copy of our full consumer file from WesBanco and Wesbanco has not provided the file documents to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Macys, and decided to pay the card in full back in XXXX. at that time I was not getting statements in the mail, they were being sent via email. 
so I proceeded to pay the card in full but they kept billing me {$2.00} as a service fee that I had no knowledge of, I pulled my credit XX/XX/XXXX XXXX and there is a charge off listed on my report. I would like to get this removed as I had no knowledge that a charge off was going to be placed on my account. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX of XXXX California, has violated my rights. 

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
Product: Mortgage

I received Loan Estimates and Initial Closing DIsclosure 's showing that the Lender of Cross Country Mortgage was collecting 7 months of Property Tax Escrows. At Closing we were informed that the mortgage company changed this to 5 months and proceeded to move on with signing the documents in the file. On XX/XX/2022 I logged into my mortgage company to check something and I noticed my payment increased from {$3400.00} per month to {$3500.00} per month. When reaching out to the subservicer on the website and loan officer I was informed that they failed to collect a 2 month cushion. The mortgage lender is blaming the title company but the mortgage company is who generates the FINAL Closing Disclosure, not title. In addition, the mortgage company is supposed to review documents prior to disbursement and should've caught this issue then as well. Now I am being charged and additional {$1800.00} for this issue. I do not feel as though because the mortgage company closed this loan with this issue I should be bearing the brunt when XXXX  does not require a 2 month escrow cushion. 

While I understand that escrow payments can change, this is far from a change, this is lack of oversight of the mortgage company and the closed the loan WRONG. 

Had I never logged into this account the notice for me would've been less than 15 days from payment date to cover this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked Chexsystems Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my Chexsystems report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 

1 ) Inquirer : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. 

The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my Chexsystems report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 
1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) 1 )  UNKOWN Inquirer : XXXX Bank XXXX Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I have disputed this debts numerous times because it is not mine, the creditor never reply to any of my mails or disputes, I am tired of trying to resolve this, and tired of telling this creditor that this account is not mine. I would love for this creditor to provide me with signature proof that this account belongs to me, or remove it, I have been disputing this account since 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the inquires all ftc violations : XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I know 15 USC 1611 XXXX XXXX XXXX and XXXX is criminal obligated. They are officially obligated by the XXXX management of money changes as per 15 USC 16 1640 for more. They are in risk of each other about FDCPA in freshman for 1692. I requested that they eliminate XXXX 15USC 1692 It is likewise publicizing to certain installments which is not allowed. I am requesting that you remove these transactions immediately because it is infringement of my ability t S a government product purchase protected purchases under the title 15 USC 41 concerning record recorded on underneath a customer. I am requesting cancellation of these records under the consumer protection bureau, state attorney, Federal trade commission XXXX Attorney General 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 SEVERAL INQUIRIES THAT ARE FRAUDULENT ON MY ACCOUNT. THEY DO NOT BELONG TO ME AND THEY ARE STOPPING MY ABILITY TO OBTAIN CREDIT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : CA XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry
Product: Student loan

After receiving a bill for XXXX when I am on the savers plan, now the bill is XXXX. The savers plan is supposed to make my bill XXXX and accrue NO interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sold my home in XX/XX/2019 payoff was sent to XXXXXXXX XXXX XXXXXXXX ( XXXX ) who was servicing the loan for the Beneficiary on Deed Of Trust named XXXX XXXX XXXX ( XXXX ) who is no longer in business. XXXXXXXX XXXX XXXX has not closed out loan on credit report claiming a deficiency balance is still owed after receiving the payoff from XXXX XXXX XXXX located in the county of XXXX XXXX XXXX in the State of California, A non judicial state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX GA {$130.00} ( this was removed from XXXX and XXXX ) XXXX XXXX {$480.00} ( this was removed from XXXX ) XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit card

my credit card company ( capital one ) stopped giving me reward points several months ago when i complained they said they would correct the problem but it would take a while. after waiting for a couple monts i called them again and they told me that i had exceeded the rewards maximum, i told them that there is no maximu according to their rewards agreement. i want to file a complaint against them, and get the money the owe me thank you
Product: Debt collection

To : XXXX XXXX Notice. 
To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX XXXX XXXXXXXX, the negotiation indentified as all sub- accounts to Account XXXX : XXXX  : held with said custodian cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influence, duress and economic menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.