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

I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XXXX  and there are no XXXX in XXXX XXXX  where I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

my identity was stolen and used to obtain account that i did not open with my consent. these are the accounts and account numbers and amounts XXXX XXXX - XXXX XXXX XX/XX/XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$430.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Chase asking if I authorized a charge on my credit card. I replied that I did not. Chase then closed the account and issued a new card. 

On XX/XX/XXXX, Chase knowingly allowed this fraudulent charge on my the new credit card. 

I have attempted to dispute the charge with Chase. 

The refuse to remove the charge and are simply sending me irrelevant documents to print and mail or fax. None of the documents they want me to fill out have anything to do with an unrequested charge. 

This is simply an attempt to dissuade me from having the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to investigate and remove credit inquiries on my Equifax Creit Report that I didn't authorize. Equifax sent me a written response stating that credit inquiries are a factual record and must remain on my credit file for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase using Paypal. I did receive the product but requested to return and receive a refund. The seller received the product and stated that they were going to issue the refund. When it was never received and the seller quit responding I filed a dispute with Paypal. They initially provided the refund but then later took it back stating that the transactiong was handled properly. Now Paypal is showing that I owe them {$140.00} for the refund that they provided. I have went back and forth with Paypal providing all documentation showing that the item was received back by the seller and all communication showing that the seller agreed to issue the refund and never did. Everytime I reach out to Paypal I continue to have to send the same information over and over again with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/year> | XXXX : XXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( s ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Debt collection

IQ data International didnt purchase collection account they are just trying to collect. I dont have a contract with this collection agency. The original creditor is closed indefinitely and they charged off the account and filed it as a loss on their taxes. The contract IQ data so call has is null and void. IQ data needs to provide more reliable information than a bill summary to prove this fraudulent collection on my credit file. The original creditor is closed down theres no way to contact the original company due to them bring closed down. IQ data has yet to provide sufficient information they need more documentation instead of trying to provide fraudulent information from a company thats no longer in business to acknowledge the fraudulent information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9600.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

XXXX insurance totaled my vehicle in XXXX 2023. They paid {$8000.00} to the lender, the gap coverage was to pay the remainder of the loan. Now the lender has turned it over to Westlake and they have it on my credit as charged off and state my vehicle can be picked up at XXXX XXXX. That's false information, the car was totaled and shouldn't be on my credit report as charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing an entry on my credit report with Experian for quite some time. I am disputing XXXX XXXX XXXX and denying ever having an account with them. I have requested a copy of a contract from XXXX XXXX XXXX XXXX and I have asked Experian to REALLY INVESTIGATE and not just take XXXX XXXX 's word that this account is accurate. XXXX XXXX settled a lawsuit with the Massachusetts Attorney General where he claimed that they " made unfair and deceptive auto loans to thousands of consumers in Massachusetts, provided investors with false or misleading information regarding auto securities they offered, and engaged in unfair debt-collection practices ''. So, they are not reputable company and need CLOSER INVESTIGATION. 

If this is my account, then it should not be a problem to send me a copy of the contract with my signatures. 
Instead, Experian and XXXX XXXX are working together and continuing to report inaccurate information. 
Again, I have requested from XXXX XXXX that they send me a copy of a contract with my information. They refuse -- -or can not send it. This entry should therefore be deleted from Experian 's reports. 
The first time that I requested a copy of a contract from XXXX XXXX was around XX/XX/XXXX. ( attachment ) XXXX XXXX responded and stated that they thought my claim was " frivolous or irrelevant '' and did not send the requested information ( see attachment ) On or around XX/XX/XXXX, I sent another letter to XXXX XXXX on the dispute form that they enclosed with their 1st response. I once again asked that they provide a copy of the contract that they had with me. ( attachment ) They responded on or around XX/XX/XXXX, stating that their investigation was accurate BUT again they did not send proof or contract, as requested. 
XXXX XXXX CAN NOT PROVE THAT I HAD A CONTRACT WITH THEM AND I DEMAND THAT THIS ACCOUT BE REMOVED FROM MY REPORT EXPERIAN IS NOT BEING DILIGENT WHEN INVESTIGATING DISPUTES AND ARE BLINDLY TAKING THE WORD OF THESE UNSCRUPULOUS COMPANIES AND ADDING FALSE INFORMATION TO REPORTS.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$690.00}
Product: Checking or savings account

I filed a chargeback with Wells Fargo for a {$40.00} charge from XXXX that I did not recognize. The agent at Wells Fargo must of misunderstood me and filed a charge back on ALL of my transactions with XXXX which also includes my deposits and withdraws with them. Today I look at my account to a XXXX balance. I called Wells Fargo and they cancelled the claim but said they couldnt guarantee me my money back. Which has me panicking because now all of my money is gone from a mistake Wells Fargo made.
Product: Mortgage

The attached letter requests the signed version of the allonge that was not provided in my paperwork at the time of closing. It is believed that there are many forms that Paramount Residential Mortgage Group did not provide me at closing and possibly signed after the closing of my mortgage without me present therefore causing a breach of the mortgage contract. I am asking the CFPB to intervene in this matter and promote Paramount Residential to provide me ALL forms that were signed after the closing of my mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
Product: Credit reporting or other personal consumer reports

Heres the revised version including your follow-up actions : I am filing this complaint against Experian for failing to properly investigate and correct inaccurate reporting on my credit profile. I opened an auto loan with XXXX XXXX XXXX in XX/XX/XXXX and have consistently made on-time payments. However, Experian has reported my payment history inaccurately, with delayed postings and missing updates. For example, my XX/XX/XXXX payment was not reflected until XXXX, and my XXXX payment was not posted until XX/XX/XXXX. 

I filed a formal dispute directly with XXXX XXXX XXXX in XX/XX/XXXX, providing supporting documentation. I followed up with the original creditor again on XX/XX/XXXX, t and was advised to contact the credit bureau to dispute the issue further. This suggests that Experian has not conducted a proper investigation or contacted the original creditor as required under the Fair Credit Reporting Act ( FCRA ). 

When attempting to submit my concerns through Experians online portal, my comments were repeatedly flagged as invalid or offensive, especially when referencing the company name and payment errors. This created an unnecessary barrier to submitting a clear and factual dispute. 

XXXX handling of this situation violates the FCRA, specifically : 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

The continued inaccuracy has negatively impacted my credit score and creditworthiness by misrepresenting my payment history and balance information. 

I am requesting : A thorough reinvestigation of this matter, including direct contact with XXXX XXXX XXXX. 
Correction of the inaccurate balance and payment history. 
A review of Experians dispute portal practices to ensure consumers can submit complete, factual dispute statements without unnecessary restrictions. 

I have attached supporting documentation, including : Payment history and balance information from XXXX XXXX XXXX. 
Screenshots showing the dispute submission errors and flagged comments. 

Thank you for your attention to this matter. Please keep me informed of the steps taken to resolve this issue. 

Let me know if youd like me to modify anything further.
Product: Credit reporting

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) XXXX, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX ( s ), ( e ) Federal Reserve form XXXX XXXX ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX. in accordance with basel XXXX accord and XXXX. conventions. I also asked them to present the same documents from the following vendors/creditors as well as the original contracts so that I can verify the validty of my signature : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and they have not provided me with the requested information, Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 

Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital For Change ( XXXX XXXX, previously CHIF ) has been reporting to XXXX that I am financially responsible for a property that I have not owned since XXXX. After many years of calling, emailing, writing and filing disputes with them as well as XXXX the property is still listed on my credit report. This has negatively impacted my credit score by more than 100 points as my ex partner, XXXX XXXX XXXX missed XXXX payments back in XXXX. Although he owns the property to this day, XXXX has never reported any late payments by him to the credit bureaus or that he even owns the property. 

At XXXX AM XX/XX/XXXX, I spoke with XXXX representative XXXX XXXX regarding the matter. Again, I have spoken to many people from this organization over the years to have this matter resolved. XXXX has confirmed that although XXXX received all pages of the Quitclaim Deed paperwork back in XXXX relinquishing any and all ownership that they as a company decided that I should still be held financially responsible when he made late payments a year later. Let it be also known that in the 9 years when I did own it, I never made ONE late payment. According to XXXX, this decision was made by supervisor XXXX XXXX, and XXXX XXXX XXXX. She also confirmed the receipt of the XXXX dispute and that they as a company were upholding their decision.
Product: Mortgage

On XXXX, XXXX, XXXX, we paid {$25.00} on the website of our mortgage company, Mr. Cooper, to receive our payoff amount. We transferred that amount that very same day to them via their website payment page. Our bank has record of the transaction coming out of our account and in to theirs ( Nationstar Mortgage, now known as Mr . Cooper. ) As of today, XX/XX/XXXX, they have not acknowledged receiving, or not receiving, that payment. In fact, they have not responded to our bank 's emails and phone calls, nor to our calls, online chat requests, emails or faxes. My wife has spoken to their " customer service '' reps multiple times, and did speak to another representative on XX/XX/XXXX, who said her supervisor would call right away, but never did. Also, on chat, they said someone would call and they also did not. 

This company is absolutely ignoring requests from us to account for this transfer. They are, however, letting us know our XXXX payment is due, XX/XX/XXXX. 

They are a horrible company!
Product: Credit reporting or other personal consumer reports

XXXX XXXX as XXXX XXXX has repeatedly reported incorrect credit reporting on all XXXX bureaus about my credit with them. From XXXX to XXXX this account was under investigation, constant dispute with payments and I currently have an active civil case with this company. All credit reporting should be " XXXX  '' they reported 120 days late in XXXX and XXXX incorrect as they received {$3500.00} payments for months XXXX, XXXX, XXXX and I have reported as incorrect and disputed it, all other months bear XXXX  as shown. 

Company should correct this my score went from XXXX to XXXX and now XXXX very low. There was no late payments EVER, payment was made as agreed under loan modification partial payment as agreed. Why is XXXX, XXXX, XXXX, XXXX reported as XXXX and just XXXX and XXXX reported as 120 days late each month incorrect! This company does not do anything with fiduciary duty in mind very vindictive company. Please correct remove all late payments from all XXXX credit bureaus as information is incorrect.
Product: Mortgage

See complaint XXXX. 

XXXX statements later ( payments due XX/XX/XXXX and XX/XX/XXXX ), Western Alliance Bank has not removed the late fee in the amount of {$87.00}.
Product: Vehicle loan or lease

XXXX failed to give me my title to me after i paid them XXXX dollars down payment then i walk outside to have my truck stolen by someone and XXXX has yet to acknowledge that they took my truck and havent told me where it is so i can go get my truck nor have they sent me the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on the file that was 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 required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2023 Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Checking or savings account

My direct deposit is missing g from my employer which was supposed to pay out today. I am also missing to deposits from my father from another banking account that should have been received by now 3 days ago. 
Capital One just notified customers of a processing issues even though it was know to Capital One for over three days but Capital One did not disclose this information to their customers till today.

There has been no action from this company to provide an update for when I can except my deposits.