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

Over the past 2 months I have been paying down my credit cards and having old delinquent accounts removed to prepare to apply for my first home loan. Every week all 3 Bureaus have gone in the upward direction, all 3 scores. Equifax was my highest. It was XXXX this weekend and Monday morning it dropped to XXXX, now my lowest. The only reported change on the report was a Balance Decrease which should only have had a positive effect on the score. I called Equifax twice to explain or guide me to someone who could, and they were unable to assist. Since then my XXXX jumped up even more. This makes zero sense. I believe an error was made to make my score fall so much when if any change did happen it should have been a score increase.
Product: Debt collection

On or about XX/XX/2023 my car XXXX XXXX  was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this account.
Product: Credit reporting or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this account immediately.
Product: Credit reporting

Equifax has a " promotional block '' on my credit for some reason???? 
My credit is perfect - all OKs - what is a promotional block??? 
I want it removed.
Product: Credit reporting or other personal consumer reports

XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  I did not authorize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX obtained my consumer credit report on XX/XX/2022 without my consent from Experian with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and Experian has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!
Product: Credit reporting or other personal consumer reports

Hello, TransUnion report showing several unauthorized inquiries & an address I never lived at. Froze my report to prevent further unauthorized inquiries. 


XXXX XXXX XXXX XXXX XXXX, WA XXXX Date Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX XXXX XXXX po box XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Vehicle loan or lease

Toyota Financial Services REFUSED TO CORRECT THE PAYMENT DUE DATE - WHEN I PURCHASED THE VEHICLE. My payment date should have been XXXX of the month. Instead, they are sending incorrect payment due dates to the all the credit reporting angenies. No matter how many times I bring to their attention that the INTEREST RATE SHOULD NOT BE MORE THAN MY PRINCIPAL. They REFUSED TO CORRECT THAT AS WELL. I will like to be this CORRECTED AS WELL.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be removed from my credit file : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attended a credit counseling seminar and they told us to monitor our credit I checked my credit report just to see exactly what was on it. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ', XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and Equifax ) XXXX XXXX XXXX XXXX ( only reports to Equifax ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Product: Mortgage

Bankruptcy in 2014. Reaffirmed both the mortgage and the equity loans. Paid off the mortgage. Made regular payments. Pay regular payments on equity, plus extra principal amounts on regular basis. 
My credit reports do not even acknowledge that the equity account is being paid. They all show an ending date with no further activity and the balance is still showing {$17000.00} owed. 
I called Wells Fargo Home Equity 's main office and talked to the head loan officers twice about correcting this information. They both said the amount owed and payment history can not be corrected because it was in the bankruptcy-. Even tho I am making the payments on time. They said Wells Fargo 's " system '' requires them to show the loan this way and it can't be changed. I told them that this isn't fair to me and that their " system '' sucked and it is affecting my credit score. They both agreed but said Wells Fargo " system '' for reporting bankruptcy information can't be changed. 

This is the stupidest thing I have ever heard of. Can you do anything to make them correct their " system ''? I wonder how many other if their customers have run into this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and ACCOUNT RESOLUTION SERVICES {$1200.00}. 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. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

There is a default judgment on my Equifax credit report that was vacated by the NY Supreme Court in 2013. Equifax refuses to even let me open a dispute. XXXX removed it from my credit without any issue. It is seriously hurting my ability to get an apartment lease or a job. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) and account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account was deleted from my XXXX report and experian. All three accounts shall match. This is inaccurate information and it is violating my rights. How is only one credit beurea saying verified while others are saying deleted. Please delete these accounts because you are violating my rights.
Product: Credit card

2 charges appear on my credit card dashboard statement. one for {$42.00} on the XXXX of XXXX and the other for {$84.00} on the XXXX of XXXX. I called the credit card company on XX/XX/XXXX  to alert them of these unauthorized charges. The rep came on the line but did not seem helpful at all. the rep said that they will credit me back the unauthorized charges back to the credit card but nothing was explained. Instead they just decided not even to investigate anything and deny the dispute without investigation anything. Wow very weird situation.. Please help with this matter CFPB they seem to ignoring federal law Fair credit billing act among other laws.
Product: Checking or savings account

Fees, overdraft fees, late payments fees on my cheching account or savings. Insufficient funds fees on my credit card
Product: Debt collection

I have been trying for the last 2 years to get this fraudulent account removed from my credit reports and have not received any verification any documents that it has been removed from SYNCB/WAL MART
Product: Debt collection

My starting debt in 2012 was {$6000.00} but every year lawyers fee and courts fee increased my debt close to {$20000.00} now. Garnishment almost for the last 9 years. Nonstop harassments calls and letters to my workplace. Police went to my home and try to arrest me. No relief in sight and I called for settlement but they offer 80 % of {$20000.00}... Just wondering about certain rights that I have 1. In Virginia, Four-year statute of limitations on auto loan debts. 2. Modern Day Debt Slavery
Product: Debt collection

I contacted XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by XXXX XXXX XXXX, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Product: Credit card or prepaid card

My wife and I have a credit card with Citi card. We just realized that we were being charged for their " payment safeguard '' program, which they applied to our card in 2005 without ever notifying or asking permission. This is supposed to be an optional program, yet they were able to leach thousands of dollars from us before we knew. We cancelled it immediately and requested a refund for the services we never received or even approved. They claim we agreed to it over the phone, but can produce no record of it. We've been desperately trying to pay off our balance and I feel their company has been stealing from us the whole time and essentially making it impossible for us to get out of debt. They also claim the point of the safeguard feature is to protect you from late fees if you miss payments due to hardship, which I have and still had to pay extra fines. The whole process seems completely illegal to me and I believe we deserve to have that money credited back to our account and applied to our substantial balance that we are still paying.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of charge-off accounts by XXXX XXXX on my credit reports. Below are the details of the accounts in question : XXXX XXXX Accounts : Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I am disputing these accounts based on the following points : No Contract with Collections Company : I have no contractual relationship with the collections companies reporting these debts. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code XXXX692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with these collections companies invalidates the reporting of these debts on my credit report. 

Unpaid Charge-Offs as Income : According to the Internal Revenue Service XXXX IRS ) XXXX an unpaid charge-off is considered income. The FCRA stipulates that income can not be reported on a credit report. Therefore, these charge-offs should not be reported as they misrepresent the nature of the debt. 

Continuous Reporting of Charge-Off : These accounts have been reported as charge-offs every month for an extended period, which is misleading and not an accurate reflection of the debt 's status. Under the FCRA, information reported on my credit report must be accurate and not misleading. The repeated reporting of these charge-offs is not compliant with this requirement. 

Sale of Debt : The debts associated with these accounts have been sold to other companies. The original creditors should have updated the account status to indicate this change. Reporting the debts as active charge-offs after they have been sold is inaccurate and misleading. 

Issuance of Form 1099-C : I have requested Form 1099-C from the original creditors, which should have been issued to indicate the cancellation of the debts. The absence of these forms suggests that the debts should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and Equifax ) and the original creditors, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditors and the credit bureaus. 

I request that the CFPB intervenes to have these inaccurate charge-offs removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Ive several incorrect late payments and delinquency on my credit report which is false. 
XXXX : XX/XX/year> XXXX bank shows as Late/ delinquent = {$2500.00} XXXX : XX/XX/year> XXXX credit account shows as Late/ delinquent {$100.00} XXXX : XX/XX/year> XXXX XXXX XXXX shows as paid off but reported a late/ delinquent payment on my report XXXX : XX/XX/year> XXXX XXXX XXXX also shows as Late/ delinquent = {$350.00} XXXX : XX/XX/year>XXXX XXXX XXXX shows as late/ delinquent = {$4000.00} XXXX : XX/XX/year> XXXX XXXX XXXX, shows as a collection on my account and its Late/ delinquent = {$490.00} XXXX : XX/XX/year>XXXX XXXX XXXX bank reported Late payment/ delinquent account of = {$2200.00}
Product: Debt collection

Syncom called my boyfriend whom I have no legal ties to and told them they were looking for for a debt collection and then included the amount I owed ( which was an incorrect amount ) as well as to who the debt originated from.
Product: Consumer Loan

I got an auto loan through Chase and could n't make the payments so they eventually charged off the account. After the account was charged off I paid them for the balance of the charged off amount but they are still reporting to the XXXX major credit bureaus that I have an unpaid charged off balance.
Product: Debt collection

I am doing this report because there were many fraudulent accounts in my credit report. 
I did not have knowledge about these accounts. This is inaccurate information that I would like to be removed. 


I am unaware of this account and the collections are reported in my credit report. 


Thank you.
Product: Debt collection

I am writing to request an update to my address information in your records. I have recently moved, and I would like to ensure that my credit file reflects my current address. 
New Address : XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell it.
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX XXXX as well as XXXX that there had been a change to my credit report. My credit dropped XXXX points from XXXX to XXXX ( you don't get this type of score by not paying your bills! ) It listed MRS Associates as they reporting agency and said I owed {$59.00}. In digging deeper it said the original account that the debt was owed to was XXXX. I knew it must be an error and called XXXX immediately. It was the end of the day and they told me to call back on Monday which I did as soon as they opened. The person that I spoke with told me that it was for a modem that had not been received. We sold a 2nd home during COVID and XXXX sent us 2 mailing labels to mail the modem and 2 boxes back, which we did. We did receive a letter from XXXX saying that they did not receive the modem but my husband provided proof of the receipt from the UPS store.That was in XXXX or XXXX of XXXX and we never heard another word. They have our mailing address but NEVER did we get another notice. And NEVER did XXXX XXXX  ( which I verified also had our correct mailing address ) send us any type of notification before reporting me to the credit bureaus. I spent time on the phone with XXXX and eventually paid the {$59.00} to clear the issue and then took the issue up with XXXX. In my call to XXXX I aksed how they could turn us in to a collection agency without ever notifying us so that we had a chance to dispute it. The representative had no answer, he did verify that they had received two boxes, one on XX/XX/XXXX and the other on XX/XX/XXXX but could not tell me what was in the boxes, only that they still showed a missing modem. They got the modem, it just wasn't marked as received. I was told they would open an investigation to see if they could locate it. The account was XXXX years old, we never had a late or missed payment and were never notified that there was still an issue. I would like this removed from my credit! I just don't see how it's fair to never even notify a customer that there is an issue and turn you in and damage your credit. Both XXXX and XXXX verified our mailing address so there is no way we would not have received communication if either of them bothered to send us anything. I am furious that I had to pay {$59.00} for an item that we shipped ( and they received ) but even more furious about taking a hit to my stellar credit that I have worked hard to build and maintain.
Product: Credit card or prepaid card

Goldman Sachs Apple Card people are accepting charges from a cancelled and replaced card number. 

I was led to believe my new digital credit card number would replace the cancelled one. Instead, Goldman Sachs lied about replacing it and kept it open, costing me unauthorized charges. 

When I called to complain, Goldman Sachs Apple reps were offensive, obnoxiously argumentative and obscene, saying things like " I need to educate you. '' Regardless, my credit card should have one and only one electronic account number for consumer use ( my use ), like all other normal cards. NO CANCELLED CREDIT CARD NUMBER SHOULD EVER REMAIN ACTIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX/XXXX, XXXX XXXX  XXXX XXXX  and SYNCBXXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, XXXX XXXX XXXXXXXX CREDIT and SYNCB/XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, XXXX XXXX  XXXX XXXX  and SYNCB/XXXX XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.