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

In my previous complaint, I stated that XXXX did not reinvestigate my dispute for Conn Appliance Inc account number XXXX. I dispute the XXXX  year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. XXXX does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use XXXX anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.
Product: Debt collection

I am writing to dispute a late payment entry on my credit report. Upon reviewing my credit report, I noticed that there is a late payment recorded for XXXX BANK XXXX. XXXX on XX/XX/XXXX and XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a Collection on my credit report from Vance and Huffman , LLC. Original bill come from XXXX XXXX XXXX. Bill is {$740.00}. I do not recognize the bill. I have detested it on my credit report. I do remember though several years ago I bought a ring at XXXX. I believe XXXX was the name of a leasing company buying the ring. I returned the ring right after I bought it. XXXX kept calling me constantly to pay them. I told them the ring was returned. This was several years ago. Probably about 7 years ago and just now on my credit report. Since I did not use their services and returned the ring and it have been so long ago I need this collection off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that Trans Union deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history
Product: Credit reporting or other personal consumer reports

I do not know why Truist bank reported me late my account has always been on auto pay since I started never removed it was a mistake on there end so they need to fix this. I have reached out several times and now Im forced to take legal action if they dont remove this late payment from my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX : XXXX XXXX XXXX XXXX PA XXXX Experian : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports
Product: Credit card or prepaid card

On XXXX over {$300.00} worth of charges were on my account! I messaged someone changed my password then called several of times!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit and found that Experian is reporting inaccurate information on my credit from an account with XXXX XXXX. It is showing that the account closed XX/XX/2023 until now, while XXXX is saying payments were being made on time. It is impossible to be making on time payments on a closed account, with this being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account has not been verified properly so I want it deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, 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: Debt collection

Enhanced Recovery placed an account from XXXX on my credit report on XX/XX/XXXX. I called this company and spoke with an agent to find out what this item is, and I was informed it was an XXXX account from XX/XX/XXXX. I told the guy I do not have an account with XXXX. I called XXXX on XX/XX/XXXX and I was told I do not have an account and do not owe XXXX any money. I want this account removed from my credit report immedialety because it does not belong to me
Product: Checking or savings account

I am writing to formally file a complaint against Truist Bank regarding a distressing experience I encountered on XX/XX/year>, while attempting to open a new account at their XXXX, XXXX XXXX branch. On the aforementioned date, I deposited {$10000.00}, and while the check cleared, I received a letter notifying me that my account had been blocked and closed without any explanation. In my attempts to resolve this matter, I reached out to the bank multiple times and met in person with XXXX XXXX XXXX, the Vice President Branch Leader III. During our conversation, I expressed my concern that I was experiencing discrimination based on my race. XXXX XXXX acknowledged my concerns and recounted similar cases he had witnessed over his 20 years in banking, including one involving another African-American customer who had opened an account with {$70000.00}, only to have it closed without reason shortly thereafter. I am deeply offended by Truist Bank 's actions in closing my account immediately after its opening and their failure to refund my {$10000.00} deposit, which has remained unresolved for several weeks. The lack of communication regarding the closure of my account, coupled with the experiences shared by XXXX XXXX, leads me to believe that discriminatory practices may be occurring within the institution. This experience has been profoundly disheartening, and I have never encountered such overt prejudice throughout my life. I respectfully request a thorough investigation into this matter and appropriate action taken to address these concerns. Thank you for your attention to this serious issue. I look forward to your prompt response. My telephone number is ( XXXX ) XXXX, my email XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. GM FINANCIAL per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. GM FINANCIAL is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). GM FINANCIAL is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity. 


I want these items removed from my credit report and I want to be mailed an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Kia motors Inc. financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly
Product: Mortgage

My loan was sold to PennyMac, XXXX XXXX XXXX , XXXX, CA XXXX in XXXX/XXXX/2015 at this time they started calling me saying I was behind and owed XXXX. I have had XXXX phone call conversations with them over the last 3 months trying to resolve this. I have recently found out that the was charging me XXXX for flood insurance when I already had flood policy in place for 2yrs in the amount of XXXXXXXXyr, also they had my home owners at XXXX when it is XXXXXXXXyr. My taxes are XXXXXXXXyr they have me at XXXXXXXXyr. They have reported to credit bureau I am behind on payments and late? I have my canceled check stubs showing that I have made all my payments and not been late. They have my escrow account screwed up and report things to the credit bureau that are false and untrue. I would like a breakdown of my loan where the money is going, principal, escrow amounts, fees ect.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy These address do not belong on my credit report : XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been reporting Date Of Last Activity incorrectly/differently on my Experian and XXXX report which is in violation of the FCRA reporting XXXX guidelines. Also when I disputed these inaccuracies in XXXX of XXXX with the credit bureaus the referenced companies went in and updated my Date Of Last Activity to XX/XX/year> when the date of last activity on the referenced accounts were initially different which is also a violation. Credit bureaus continue to say these accounts are verified as accurate when they clearly are not.
Product: Mortgage

XX/XX/2023 This issue involves the handling of our account, escrows and unfair and capricious amounts of monthly payments. PenFed Credit Union has raised our monthly payment due to the following : 1. Paying taxes XX/XX/XXXX  which were due on XX/XX/XXXX  and stating that they were in default. ( They paid taxes in XX/XX/XXXX  for XX/XX/XXXX  taxes of {$3000.00} ). 2. Changing our monthly payment of interest only from {$1400.00} to {$3000.00} due to the addition of escrow. 3. Telling us as customers that if we don't pay the full {$3000.00} then we will be in default and that it will be deemed a partial payment. The loan amount is {$160000.00}. 4. Putting on a forced placed insurance when we already have insurance in tact. Their rationale is that if you were months behind on your property taxes, that they will automatically start escrowing for insurance as well. It doesn't matter to them that you already have insurance. 5. Making errors as it relates to mortgage escrowing. The company returned {$1700.00} due to overcharging. 6. Escrow payments should be spread over several months. 7. PenFed is not considering the increase in payments from {$1400.00} to {$3000.00}. 8. PenFed is attempting to hurt our credit by claiming partial payment of {$2100.00} on a {$160000.00} loan. They are seeking {$3000.00} for the month of XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR TRU XXXX XXXX XXXX XXXX  AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 XXXX
Product: Credit reporting or other personal consumer reports

account number : XXXX account balance : XXXX XXXX this debt has not been validated. This debt was deleted from my XXXX account and it was deleted from XXXX. Transunion and XXXX have yet to delete the already deleted account information attempting to dissuade me from pursuing these matters in a legal setting for fraud. XXXX  XXXX when asked for the validated debt was unable to provide the name of the original creditor and the person who validated the debt. until this is addressed and validated I want to be clear and state that XXXX XXXX has never received in writing from me any correspondence stating that they can contact me other then to send me a check for violating the law or to advise that they will never reach out to me again. this is pursuant to 15 USC 1692c ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/18 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Money transfer, virtual currency, or money service

Trying to open a money spend account through credit karma sent in Driver License and Address verification and they are saying that cant verify my identity to open my money account but they can verify my Identity to open there credit report account
Product: Vehicle loan or lease

I went in person to XXXX XXXX in XXXX, Nevada on XX/XX/XXXX to look for a used XXXX XXXX  -- sales people suggested a car for me - said price is right etc it was XXXX XXXX XXXX vin number XXXX - very clean looked new -- i made arrangements - {$4000.00} down payment - car to be delivered 90 miles away to my home. This was done all seemed fine -- i just continued with my life during covid = figured motor vehicle closed and all keep driving my XXXX XXXX XXXX -- but i did not receive anything from AZ MVD -- phoned XXXX - mentioned it -- they said sent papers to AZ MVD but were returned - i asked send again and i will go in person to AZ MVD - i did so AZ MVD refused to process -- seems XXXX XXXX NO OWN CAR - title in name of private party and HAS A LIEN car has been at my address XXXX will not take car back - i have sent numerous e mails AND the CAPITAL ONE BANK involved in a car loan for this vehicle keeps saying i have a car loan with them. I DO NOT - and have told them this -- they know it -- and i made about 3 payments to them before i realized entire car sale and loan false. They refuse to return my money. They are damaging my credit. The car itself is abandoned in my carport - note no official loan number - this is not legal contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a Social Security Card holder. I'm aware that following a change in XX/XX/2011, SSA began to issue SSNs that start with the first three digits greater than 772 ( reference 1 ). My SSN falls into that bucket. However, electronic form found on XXXX ( ref 2 ) would not accept such an SSN. If I put in my SSN, a message comes up saying the SSN is invalid. As a result, I can not opt out of pre-screened offers. 

References 1. https : //www.ssa.gov/kc/SSAFactSheet -- IssuingSSNs.pdf 2. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Evening, Happy XXXX XXXX. 

I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.