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

This is my other 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 following XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported to the credit agencies that I was 30+ days past due for the stamens date XX/XX/year>. This is incorrect and now Im getting denied for credit from other companies due to this
Product: Credit reporting or other personal consumer reports

I am writing to urgently address several serious inaccuracies and unauthorized accounts/information that have recently appeared on my credit report. Upon reviewing the report, I was shocked to discover these discrepancies, which are not only incorrect but have also caused significant harm to my financial well-being and credit health. These errors are damaging and unacceptable, and I implore you to take immediate action to rectify them. The impact on my life and XXXX XXXX is severe, and I expect a prompt resolution of this matter.
Product: Checking or savings account

Between XXXX XXXX and continuting they closed and blocked my account preventing all of my deposits to come in totaling of maybe XXXX is not more
Product: Debt collection

I am receiving multiple calls on a daily basis. When I answer their call, they threaten me with a lawsuit. I have n't received proper verification of debt due to them having an incorrect mailing address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XXXX, XXXX, Original amount {$16000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX  ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX  XXXX  XXXX  C ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX/XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

I purchased a car online from XXXX XXXX in XXXX XXXX Florida. I was given a price that was listed online for XXXX in the end. I had to sign all paperwork in front of a notary as the buyer and then I had a co signer who also needed to sign. He was in a different state at the time. They sent us two different XXXX XXXX to have signed on XX/XX/2023. It was sent to back to them with in a few days. I received the car by a delivery company which I paid for. It was in such bad condition and I was not able to put Gas in the gas in the car because something was broken. The dealership knew this because the car was on empty. I sent them a video right away the same day. I wanted to cancel the contract and send the car back. They said I could not do it because the funding has been finished. I called Capital One and they told me it was a dealer problem. Now... I see Capital One sent me a copy of the buyers order dated XX/XX/XXXX. THis was not my signature or the co signer signature. We did not even get the paperwork by this date. This is fraud. Our paperwork has notarized stamps with our signatures and dated different dates. So this contract I have with Capital One is not legal. The XXXX XXXX committed fraud. I want the contract cancelled. I have been dealing with the dealership since the day I got the car and they have done nothing and have refused to send me the paperwork that I signed. I am attaching the XXXX XXXX document which is fraud. I also never agreed to many of these extra fees. The etching and warranty fees. The dealer fees or signed the last papers attached they sent showing the car was in an accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 3 Inquiries that I want to dispute and get off my credit report I applied for these accounts and got denied after I was suggested by credit karma but I open my XXXX card and took out a loan on XXXX and Im thinking bank/creditors are looking at that like I might be risk but I am actually using my credit for my business and paying them back ASAP I would like to dispute XXXX XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX SYNCB/PayPal ( Bank ) XX/XX/XXXX off my Hard Inquiries please give me a call @ XXXX if you need any additional information!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with XXXX, Experian, and XXXX. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on XXXX and Experian : The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
The last activity reported on my Experian credit report is listed as XX/XX/XXXX. 
However, Experian 's 2-year payment history shows two instances of being 60 days late, which is not reflected on XXXX, indicating a discrepancy and potential illegal re-aging. 
This inconsistency violates FCRA Section 623, and I request the removal of this false information immediately. 
XXXX ( Account # XXXX ) Violation of Reporting Standards : XXXX shows this account as past due, whereas XXXX and Experian both show it in good standing. This discrepancy constitutes double jeopardy and is a form of illegal re-aging. 
XXXX reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Experian reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 
Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. 
These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

On XX/XX/XXXX I received a text message at approximately XXXX stating fraud charges. All these charges were use in XXXX, IN. 
Fraud Charges- {$100.00} XXXX XXXX, {$95.00} XXXX XXXX, {$100.00} XXXX XXXX, {$92.00} XXXX XXXX XXXX and {$95.00} XXXX XXXX XXXX. At that time I called BMO Harris Bank and spoke to a representative who filed a dispute she also emailed me a form to take to a branch location in the morning. The representative also stated that I would receive a provisional credit once the forms were received in the REG E dept. She did inform me that it would take 7 to 10 days but I told her that is not acceptable because 2 bills were coming out my account and this would leave my account in the negative. As of today the money has not been placed in my account. I have been on the phone with multiple representatives from XX/XX/XXXX-XX/XX/XXXX. I need action done and someone to reach out to me regarding this matter. This is the short version of the issue. I have more to say but I will discuss this with BMO Harris CEO and board of directors.
Product: Mortgage

1 ) Sent this letter on XX/XX/XXXX XXXX XXXX, The reason of this letter is to request full reimbursement of automatic reverse charges of {$30.00} charged by M & T Mortgage to my loan account # XXXX paid off on XX/XX/XXXX. 
These charges were not disclosed to me, nor signed/agreed by me, when I refinanced my property initially with Peoples United Bank XXXX XXXX. Unfortunately, I was unable to make payments before grace period and I was already charged late fees for more than XXXX consecutive months since M & T Bank acquired Peoples United Bank. On top of that M & T Bank charged me a {$30.00} fee since Peoples United Bank was bought. 
As you can see this charge was not disclosed when I refinanced my property, therefore upon your acquirement of the new bank, hence the mortgages, it shouldve been reasonable to grandfather the previous banks stipulations regarding reverse charge fees which were non existent. 
I am unable to retrieve all charges incurred to my mortgage account since your inception of the bank in XX/XX/XXXX due to the payoff that recently happened in XX/XX/XXXX. 
Please consider reviewing all charges of {$30.00} assigned to my account due to reverse charge payment, and reimburse me in full such amount. 

I appreciate your consideration in this matter, and XXXX looking forward to your cooperation to reimburse me for these charges not disclosed on the loan I refinanced with Peoples United Bank. 

XXXX expectant to your prompt response. 
Sincerely, XXXX XXXX Last four digits Social XXXX ( XXXX ) XXXX Sent from my XXXX XXXX ) received on XXXX letter from M & T bank with XXXX charges of {$30.00} each, out of which XXXX were waived and XXXX charges remained total {$390.00}. letter also states a copy of mortgage document is enclosed, which was not enclosed. Mortgage originally signed was with Peoples United Bank, which was acquired by M & T Bank.
Product: Debt collection

Elan Financial Services has reported a negative erroneous account to my consumer credit report. I've disputed this account countless time & their validating the debt as accurate. However they have yet to prove verification that the account is mine. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they're required to promptly DELETE all information which can not be verified. I want this information deleted from all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Mortgage

I feel that I am a victim of unethical and deceptive lending practices by Nationstar Mortgage. Prior to XX/XX/2015 my account was perfect. In or around or even just prior to your XXXX/XXXX/2015 being due, I contacted them and asked them for assistance in that I was not having ample funds to make the XXXX 2015 payment before month end due to a weather related repairs that needed to be made ASAP. The lender rep you dealt with brought up the possibility of a modification to your loan. I informed the rep that both the XXXX AND XXXX payment in the month of XXXX ( as you knew you 'd be getting your {$2500.00} for the golf coaching stipend ). I understood my credit bureau rating would have then reflected a XXXX delinquency for the month of XX/XX/2015. 
Instead, the rep suggested I signed up for this loan modification ( making me think this was my only option ) which in turn severely hurt my credit. When I started getting calls about missed payments ( I was still paying monthly ), my rep stated everything was fine. Currently, I am not receiving any return phone calls from this company.
Product: Vehicle loan or lease

West Portfolio Management took over my car loan when XXXX XXXX XXXX went out of business back in XX/XX/2023. Since they've had my account it has been issues. I honestly call 3times a month, last call was XX/XX/XXXX. Can't remember how many times I asked to refinance. Most of my experiences are completely the same. First, was charged a late fee due to my loan not being in system. Second, they have changed my contract payments, but still have my contract posted on my account. I even explained that I am a XXXX veteran with a fixed income. Especially, since they barely speak English. Third, if u request a supervisor/manager, since the call center only accepts payments, you will be lied to and transferred to another agent pretending to be a supervisor/manager until you get annoyed and hang up. Fourth, if they take your contact number and reply " a manager with contact you in XXXX '' I guarantee you they won't. All they want you to do is pay, regardless if you're contract has been breached. Fifth, the online account won't allow me to pay more than what my contract states online, yet I owe more than I ever have. Sixth, I'm stressed out behind this recurring monthly issue. My XXXX  and XXXX is getting worse thanks to this. Seventh, there are a bunch of negative reviews online about West portfolio management playing around with people accounts and no one to communicate with them about it. I live alone in my city and know no one, my vehicle gets me to my appointments and grocery store, neither are in walking distance.
Product: Credit reporting or other personal consumer reports

This inquiry was not an inquiry I recognized that showed up as CAPITAL ONE XX/XX/2024. I tried calling the company twice but was during outside company hours due to my work schedule. I had spoken to two representatives about the on XX/XX/2024 and XX/XX/2024. 

I had filed out a form through identitytheft.gov and received a reference number.
Product: Student loan

This happened years ago, before the CFPB existed. 

I notified Sallie Mae multiple times that I wanted my extra payments applied to the principles of my highest-interest loans. I called them when the principles were instead applied to my lowest-interest loans. They never changed it, and eventually I gave up. Please make them stop doing this to people!
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. 

XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO XXXX. 

IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX EXPERIAN XXXX IS VIOLATING MY RIGHTS. DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX 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 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXXXXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Re : Dispute of Charged-Off Account on My Credit Report Dear Sir/Madam, I am writing to dispute a piece of inaccurate information that appears on my credit report with your bureau. The item in question pertains to a charged-off account, and I believe it has been reported in error. 

Details of the disputed account are as follows : Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Date Closed : XXXX I understand that a charged-off account typically remains on a credit report for seven years from the date of the original delinquency that led to the charge-off. Based on my records and understanding, the reporting of this account does not align with that timeframe, and I kindly request its review. 

Please investigate this matter as soon as possible and correct the error. I have attached copies of relevant documentation that supports my dispute. 

In accordance with the Fair Credit Reporting Act, I request that you notify me in writing of the outcome of your investigation within the 30-day period. If it's determined that the information is indeed inaccurate or can not be verified, I kindly request its removal from my credit report. 

I appreciate your attention to this matter. Please feel free to contact me at XXXX or XXXX if you require any additional information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempt to rent a car from XXXXXXXX XXXX XXXX on XX/XX/2022, at XXXX, XXXX XXXX thru XXXX, An agent identified himself as XXXX and I told him I wanted to rent a car for XXXX XXXX XXXX, during the process, he asked if I had a credit card to hold the car 's reservation and I told him no I had a debit card, he stated a debit card won't work, but if I could purchase an American Express card from a XXXX XXXX XXXX, XXXX or XXXX, I told him I would have to call him back because I had to go to a store to purchase a credit card and he informed me he gets off work at XXXX : XXXX XXXX and he would hold the reservation and he would call me back. Around XXXX : XXXX XXXX he called me while I was at the store and asked if I had gotten the card I told him I was in line then with a Serve American Express card and he said great that would work and he wanted the card information off it and he told me the reservation confirmation number was XXXX. 
On XX/XX/2022, I realized He didn't tell me where to pick up the car I call him at XXXX and requested where to pick up the car and he said hold on and hung up. I then called the number on the back of the Serve American Express card and let them know what had happened and they asked me to email them a statement of what happened, copies of the receipt, front and back of the card, driver 's license and bar code of purchase I emailed it to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Product: Credit reporting, credit repair services, 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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX