23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am re-submitting an another complaint with the CFPB, seeking confirmation that the Credit Bureaus XXXX, EQUIFAX, and XXXX will take the necessary steps to examine and aid in the removal of the fraudulent inquiries I detailed in my past and current complaints. I respectfully ask the CFPB to partake in aiding me to address the issues prevalent in my credit report. Presented herein are certain items that I suspect were initiated under an alleged identity theft situation, requiring urgent attention and, if feasible, quick removal : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX
Product: Vehicle loan or lease

the Loan was paid off in 2015 after it was paid off they refused to release my title stating they added additional fees. i called the company 20 times and requested written verification of these charges and i never received it. They also treatened to add these charges to credit report.. They added this to my credit report and they refuse to take it off
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for how many times now. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, this unauthorized inquiry remains on my credit file. Upon contacting the institution, it was confirmed that this inquiry was made in error. Additionally, I have been assured that this inquiry would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiry subsequent to the submission of the FTC report. 
It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 
I am requesting an immediate reinvestigation of this unauthorized inquiry. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of this inquiry If your bureau can not provide conclusive proof that this inquiry was authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a Macy 's XXXX XXXX XXXX XXXX, XXXX ending in XXXX. This card is showing XXXX late payments on my credit reports to the XXXX major bureaus. XXXX late payment was in XXXX of 2024, the other in XXXX. I am a military veteran with a service connected brain injury due to toxic burn pit exposure while I was stationed overseas in AK. In XXXX of 2024 I experienced severe symptoms from that injury which prevented me from accessing the payment portal in a timely manner. I called Customer Service and they assured me that this late payment would be rehabilitated on my credit report. In XXXX of 2024 I made an on time payment via the app. The app has been problematic in the past. The app showed that the payment was successful but this was in error because the payment did not go through. I called customer service and they acknowledged the issue and suggested I schedule all future payments as automated withdrawals from my bank account which I agreed to. The XXXX XXXX said they would investigate removing that late payment from my credit report.
Product: Mortgage

my taxes were reassessed in error, its been several months and my account is still not correct, I have received several diff analysis and payments. my account is negative which should not be possible. I have called several times with no resolution and have been told i can not have anyone review my account without writing a letter to the research dept. I have conflicting information and now my account shows late bc the wrong payment amount was sent I have sent payments that they have not applied to my account and have now reported me as late to my credit company. They have not called me back, provided resolution anbd now have reported me as late
Product: Debt collection

" I am writing to dispute the claim made by National Credit System asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For last 80 days I have been trying to close my second home mortgage with SunTrust bank aka Truist, through out the process the Suntrust team was not able to keep up with regular updates on my application, finally I have given up on my refinancing application with them. The company has had a lot of internal system integration issues that has caused the delays but in this process they have charged me {$1100.00} as deposit for processing my application which the company is now refusing to refund. A simple task like completing appraisal took them 2+ weeks to contact with me as they had no proper channels of communication. I feel that because I am existing customer with the bank I was not offered fair lending terms, charges too many points for the same mortgage. 

Application process start - XXXX was offered lock on rate for 90 days with $ XXXX as estimates value ~75 % loan to Equity ratio my appraisal came @ XXXX, original loan application was just under my name. I was encouraged to add my wife a co-borrower once I did that the cost for loan changed dramatically + $ XXXX. Why was this required? my personal income to debt ratio can easily support the necessary refinance but my loan officer asked to me add my wife as co-borrower who has lower credit score than me. My credit scorXXXX ( XXXX ) my wife 's score is ( {$690.00} - XXXX ). I was offered 1 point discount before then all that was changed as we now had my wife on the application who has lower credit score. 

My issue - Unfair lending practices. 
- Misleading customer about discounts, fees and points my cost for loan changed dramatically and now I was locked into it after my rate was locked they updated the disclosures. 

Loan Officer - XXXX XXXX, XXXX XXXX Mortgage Loan Officer XXXX SunTrust now Truist XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Office ( XXXX ) XXXX | Toll Free ( XXXX ) XXXX ext. XXXX | Fax XXXX Mail XXXX XXXX Processing contact XXXX XXXX Mortgage Loan Processor, XXXX Campus | SunTrust now Truist XXXX XXXX XXXX XXXX 

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

It has come to my attention that although I have written several letters asking for validation of debt, audit trails, permissible purpose letters I am not getting any response because of the automated system you have in place which is in fact a violation as well.I am demanding these accounts to be removed immediately off my credit report as it is violation to the following federal constitutional laws. 

15 USC 1681 ( A ) ( E ) 15 USC 1691 15 USC 1601 15 US 1692 I am afraid these 3 credit reporting agencies have failed to to exercise the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. 


I have remained humbled despite the stress, abuse, and harm these XXXX credit reporting agencies have done to me. I am ready to file a law suit if you do not remove these accounts immediately XXXX days from today.
Product: Credit reporting

I have XXXX judgments against me which were both paid in XX/XX/2016. XXXX and XXXX. I am unable to get this information, along with the XXXX account showing pd, off of my credit report, and it is still affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Discover card listed above is reflecting the wrong balance owed. Discover has agreed to take payments over 36 months and advised they would post payments and demonstrate the balance is lower. They advised that this would be corrected but does not show a lower balance and payments made.
Product: Mortgage

My lender United Wholesale Mortgage ( UWM ) impounded my taxes and insurance. The taxes were due XX/XX/XXXX. I refinanced in late XXXX and on XX/XX/XXXX my loan with UWM was paid in full. I learned on XX/XX/XXXX that UWM had NOT paid my taxes. My county assessed a late penalty on XX/XX/XXXX in the amount of {$380.00}. I paid the amount of taxes due PLUS the penalty on XX/XX/XXXX. It has been over 30 days since I closed on the refinance and I still have not received my escrow impound refund in the amount of {$10000.00}. I have called XXXX times and have been given the run around all three times, most recently today ( XX/XX/XXXX ) when I spoke with XXXX. The first call I made, the employee told me the check was cut on XX/XX/XXXX. I checked my online account today and saw that the check was not cut until XX/XX/XXXX, and it is XX/XX/XXXX and I still don't have it. It's not rocket science to know someone is not being truthful. XXXX told me it can take between 10 and 15 additional days to receive it because of the mail, and also the holidays, and also that they are so " busy. '' Again, not rocket science. If XXXX can get packages delivered in a day or 2, I expect someone ( UWM ) holding my money can make returning it to me a priority. I asked for an escalation and was transferred me to " XXXX '' who never came on the line. Despite having my phone number, and confirming it on the call, they didn't bother to call me back. I am confident that UWM has not acted in good faith. As my fiduciary, I trusted them to pay the taxes as they had my money. They breached their fiduciary responsibility. They are not acting responsibly in my best interest. They have balked and tried to pass the buck for weeks. There is no excuse for them continuing to hold my money and creating significant financial hardship to me. They continue to earn interest on MY money. I am a senior citizen, on a limited income and this seems illegal. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I  then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your  XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.
Product: Credit reporting or other personal consumer reports

This credit card is being reported on XXXX and XXXX with several discrepancies.It is against FCRA to report inaccurate information. Canceled debt is considered income and it is illegal for income to be reported on a credit report. No 1099 was ever received but this account was charged off. This account needs to be removed from my credit report for inaccuracy and breaking FCRA laws.
Product: Credit card or prepaid card

BofA is a discriminating prejudice dishonest and XXXX bank. They'll deny you a good credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They'll put you in a high apr credit card with a low limit credit card to hurt your score. I had XXXX score and they denied me cards with lower APRs. You'll be stuck with no way of improving your score even when you're eligible for other cards. There's no other reason they'd do that if you have a good score, good income, and generally well off financially. There's a reason why people of XXXX have poor credit scores. YOU'RE DETERMINED A RISK TO THEM BECAUSE YOU'RE A MINORITY. you'll pay higher rates for everything including on cars as I was shopping for a new one. Beware of this bank. Where you bank can make a big difference for XXXX justice. BofA lost my trust and I'm ready to challenge them against denying me credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, BELOW IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
Account name XXXX XXXX XXXX, Account # XXXX. Account name : XXXX, Account # XXXX Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX Address XXXX XXXX XXXX, XXXX XXXX IL XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Payday loan, title loan, or personal loan

The bills from XXXX XXXX Loans has a section called " explanation of amount due '' and it is always blank with all zeros, so I can't verify the principle and interest charged. I have called a couple of times and told them that their bills list all zeros on explanations of amount due. They said it was a programming error and that they would fix it. They've also said somebody would get back to me, but they never do. Its been over a year and they still refuse to send me a bill with explanations of amount due. I want to be able to see and track what I'm paying.
Product: Checking or savings account

Chase is currently running a promotion where they will deposit {$900.00} in newly opened checking/saving accounts with new customers providing they initiate direct deposit into the accounts and deposit {$15000.00} in new funds into the Savings account within the first month. 

HOWEVER, Chase does not allow transfers into new accounts. They advised me to deposit checks instead. HOWEVER, Chase only allowed a maximum of {$7500.00} in check deposits into an account in a single month, forcing me to do 2 deposits : one into Checking and one into Savings. Chase then put a hold on the second check to deposit to expire the day AFTER the terms of the promotion end, thereby voiding their obligations as I am unable to meet the terms of the promotion by having {$15000.00} in specifically the Savings account by XX/XX/XXXX. 

The end result is that Chase gets to keep the gains of having {$15000.00} in the account but will not have to payout the promotional bonus to do so. 

I contacted Chase to release the hold, but they have refused to do so, stating that " The funds do not qualify for early release as this is a new account. '' No kidding. That's the WHOLE POINT of a new customer promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account on my Experian credit report with Experian I included a copy of my credit card statement that clearly showed the account was paid in full. Experian decided the collection remains. I am unsure of how much more prof I can provide them then what I already have?
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies.
Product: Credit card

My XX/XX/24 statement balance was {$3000.00}. I made payments totalling {$2900.00} from my checking account and had also requested to cash out my cash back rewards for the period in the form of a statement credit, which I have done monthly for probably the last 6 months. I always pay my account balance in full each statement period. Apparently something went wrong with their system and my rewards didn't post to my account as I had requested. Thus all but {$39.00} of my statement balance was paid. However, I was charged anastronomical {$51.00} in interest. I requested the bank refund the interest due to their error in posting my rewards but was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the Equifax data breach some time ago AND the more recent XXXX breach.