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

My credit monitoring service alerted me that XXXX XXXX XXXX pulled my Transunion credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with XXXX XXXX XXXX in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called XXXX credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called Transunion to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from XXXX to request the removal of the inquiries. 
At the moment, it is difficult to contact XXXX for help.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

Experian investigations results status remains as verified after two reinvestigations.

TransUnion credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of TransUnion and XXXX credit report that contains the investigation results. XXXX and TransUnion still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ), 15 USC1681e ( b ), 15 USC 1681i ( 5 ) Account : XXXX XXXX XXXX- Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  / XXXX XXXX account was removed from my Equifax credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. XXXX XXXX sent me a new credit card with a new account number. However, the old account was removed from my Equifax credit report and the new account never reported. 

The following is email correspondence with XXXX  : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX  Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My XXXX XXXX XXXX XXXX account is not being reported to Equifax. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my Equifax credit report? 

Thank you
Product: Mortgage

I need help, I do not know what could I do. 

This is XXXX XXXX, I had a phone consultation with ABC first inc. regarding business loan. The use XXXX word show they are loan bank on website. The contract was changed from business loan to home equity loan on the day I signed the paperwork. First loan is {$50000.00} with 2 years term 3.5 % Monthly interest rate, second one is {$50000.00} with 3.5 % Monthly interest rate for 1 years term. Total $ XXXXThe interest is $ XXXX monthly, the over due payment is {$75.00} per day. I paid off {$200000.00} as total including principal and interest. This year I checked my credit report while I was trying to get refinance on my personal property. The report shows that I financed {$550000.00} open {$75000.00} from abc company, which is a false statement since I already paid off my loan. I am concerning this balance will affect my property and credit. I would like to file a complaint report against abc company regarding their Illegal operation. Please start an investigation on abc company. I would like to get my paid interest and fine back.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unsuccessful outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the fraudulent entries persist on my credit report, creating substantial financial and personal challenges. 

I am deeply distressed that, despite my sincere efforts and adherence to the required procedures, the fraudulent items persist on my credit report. This ongoing issue is not only detrimental to my financial standing but also poses a threat to my overall well-being. 

I kindly request the following actions : A thorough and expedited reevaluation of the documentation provided in support of the dispute. 
Immediate removal of the inaccuracies associated with the fraudulent items from my credit file. 
Transparent communication outlining the resolution process and the steps taken to rectify this matter. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I noticed that certain items are incorrect and need to be updated or deleted. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXXXXXX XXXX  XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX  XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced {$0.00} This account is inaccurate please delete. 
XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and XXXX have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by Experian. 

Both XXXX and XXXX have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by Experian. 

XXXX  has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

Experian has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from life and death accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all XXXX  bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they do not belong to me, they are hurting me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Unlawful Denial of Buyer Protection Claim by PayPal Dear Sir or Madam, I urgently request your assistance with the following matter ( Transaction ID : XXXX / Buyer Protection Claim : XXXX XXXX XXXX I will briefly summarize the facts below : Receipt of counterfeit goods : The item I received clearly deviates from the description provided by the seller and exhibits characteristics of a counterfeit product. 
Proof of return : The item was properly returned, and the sellers receipt of the return is documented. Additionally, the seller has confirmed in writing that the return was recorded in their warehouse. 
Sellers refusal to refund : Despite proper return and delivery confirmation, the seller refuses to refund the purchase price. Initially, they had stated, as per the evidence, that the refund would be processed. Therefore, the case was not escalated to a buyer protection claim. However, PayPals customer service was immediately contacted for assistance, but unfortunately, I received no help. Despite numerous attempts, I only received standard responses or chatbot-generated replies. 

Due to the lack of support, despite all the evidence and facts, I opened a new case under the category Billing Error. PayPal again denied this case, as it was opened under the wrong category. The case was eventually opened under the Billing Dispute category out of necessity, as the case closure on XXXX did not allow for any other category. The case was originally not escalated to PayPal because the seller had assured me that they would handle the refund themselves ( see evidence ). The resolution of the case was intentionally delayed under false pretenses so that, after the time limit expired, no conflict resolution could take place through PayPal. As a result, due to the sellers potentially fraudulent intentions, the refund was never processed, leading to a problematic overlap with the closed case. Since then, I have repeatedly tried to receive assistance from your customer service without success. I usually only get standard responses or chatbot-generated messages. 

I urgently request your assistance with this matter, as the facts clearly justify a claim for buyer protection. 

Thank you for your efforts. 

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

My name is XXXX XXXX and I am filing this report on behalf of myself. No one is filing this complaint about me. This complaint is for False reporting misleading information.
Product: Credit reporting

This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX/14XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score
Product: Debt collection

Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer I XXXX XXXX, am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt out notice to consumers ; opt out methods, with said company XXXX XXXX. U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and XXXXtate and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully. The reporting of this account as a debt is inaccurate & unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). REMOVE THESE XXXX XXXX ACCOUNTS ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX there was an unauthorized transaction of {$24.00} to XXXX but I didnt think anything of it. Then on XX/XX/10 the account only had {$2.00} and at XXXX there was another charge of {$2.00}. Then I got paid on the XXXX. On the XXXX between XXXX and XXXX there were XXXX charges of {$24.00} and XXXX charge of {$15.00}. All made from a XXXX in XXXX California ( all with the same store number ). I live in XXXX Texas. I called my bank ( Chime ) right away on the XXXX to file a dispute ( while the charges were still pending ), they shut the card down and the charges stopped. Although, I ended up having to request an appeal because they denied my original claim. The second time, I tried sending my time sheet from work ; GPS timeline from XXXX and even charges on my other credit card that show I was in XXXX at the time of the unauthorized charges. After disputing with them they still deny my claim. A grand total of {$290.00} was taken.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

CFPB I 'M GOING TO NEED YOU TO STEP UP ON YOUR GAME AND INFORCE THIS MATTER.DO NOT DUPLICATE THIS DISPUTE NEW DISPUTE Good Morning Experian I would Like to take the time to Thank you for your investigation That you completed for me Regarding XXXX But However I totally disagree with your finding you stated in your results summary That I supplied you with the wrong account Number how is that possible? when I sent you about 25 disputed in the past each time you stated that the information was Verified and reporting correctly. This goes to show that you DO NOT VERIFY ANYTHING. This is why I have been asking you to send me the a copy of ANY original documentation ( consumer contract with my signature on it ) with out this information YOU DO NOT HAVE THE RIGHT TO REPORT ANYTHING ABOUT A CONSUMER! FCRA 609 ( A ) ( 1 ) ( A ) AND 611 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT. Back to SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELTE ALL INFORMATION WHICH CAN NOT BE VERIFIED.. 
RIGHT NOW YOU ARE IN FULL VIOLATION OF 616 & 617 BECAUSE YOU HAVE FAILED TO COMPLY! 
I also contacted XXXX On Saturday the account that you are reporting has no ties to my name. How did you verify it is my questions. Once again Experian I asked you to Please deleted the following accounts below.. 
XXXX card XXXX XXXX XXXX XXXX - Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account XXXX THANK YOU SO KINDLY XXXX
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Vehicle loan or lease

I am an XXXX XXXX  XXXX and was charged a higher interest rate and feel that added fees/incentives were tacked on to my sales price. Per an article in the news, " Today the Consumer Financial Protection Bureau ( CFPB ) and Department of Justice ( DOJ ) resolved an action with Toyota Motor Credit Corporation, under which Toyota Motor Credit will change its pricing and compensation system to substantially reduce dealer discretion and accompanying financial incentives to mark up interest rates. As part of todays order, Toyota Motor Credit is also required to pay up to {$21.00} XXXX in restitution to thousands of XXXX  and XXXX and XXXX XXXX borrowers who paid higher interest rates than XXXX borrowers for their auto loans, without regard to their creditworthiness, as a result of its past practices. ''
Product: Mortgage

First let me say, I have always paid for my homeowners insurance personally. It has never beenescrowed with any bank. My insurance policy stated the XXXX Lender was the XXXX lienholder, and they are still the XXXX lien holder. This can be verified with the XXXX XXXX XXXX XXXX XXXX Florida. Their phone number is XXXX. 

Bank of America has attempted to foreclosure on the XXXX lien, however they lost in the lower court arecurrently appealing that decision. They transferred the XXXX lien out of their name and into the nameof XXXX XXXX, on XX/XX/XXXX and therefore have no interest in the XXXX lien. InXX/XX/XXXX they notified my that they were no longer going to be the servicer for the XXXX lien and thatthey were transferred the servicing rights to XXXX as of XX/XX/XXXX. 

On XX/XX/XXXX Bank of America sent a letter to XXXX XXXX XXXX XXXX, requesting themto change their records to show XXXX Mortgage XXXX as the XXXX lien holder on my insurancepolicy. 

My issues are, Bank of America, currently not having any interest in the XXXX lien and having no interestleft in the XXXX lien, has authorized a change in my homeowners insurance, to reflect the XXXX lienhold to be a mortgage servicer/debt collect, for a lien transferred to someone else three years ago. Bankof America can not require my insurance company to alter my policy for the benefit of a company thatonly they have knowledge of.