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

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681C-2 ) that you, XXXX CREDIT REPORTING AGENCY, block information Appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account Opened on XXXX XXXX at XXXX XXXX Under the account number below, and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> below. A personal loan account opened at XXXX XXXX XXXX  on XX/XX/year> under account # below and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX that appears related to the aforementioned personal loan account opened 1. Validate Account XXXX XXXX  XXXX Remove 2.Validate Account XXXX XXXX XXXX Remove 3. Validate Account XXXX XXXX Remove 4. Validate Account XXXX XXXX XXXX XXXX Remove ReMOVE 5. Validate Account XXXX XXXX  XXXX Remove These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my FICO Credit Report I've attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned. Fraudulent Items I do not recognize the aforementioned accounts, collections, or hard inquiries. As reported the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you. Were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 


What would be a fair resolution complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - They are reporting incorrect information on all XXXX  credit reports as well as the statement has a different amount than what is being reported to my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I was supposed to receive an item I did not receive. I reached out to the company with no avail so I filed a dispute with my bank Chime on XX/XX/XXXX. They informed me it would take 90 days to complete. However if the merchant does not respond in 30 days I would be able to escalate. They did not respond to chime as per an employees statement when I called XX/XX/XXXX. They then made a descision of no error on the merchant end even though they didnt hear from the merchant. Created a rebuttal and provided information showing that I contacted the merchant and no response was given. Chime is withholding my funds this is the third time they have done this to me
Product: Debt collection

I have already filed a XXXX  report to help get this resolved but no response, no response to my calls or messages and when I went to the property I was told the manager is not In and will reach out. Took my information and that was all they stated they could do as they did not have corporate info to provide. 
I shouldnt have a balance due except for the water and sewer bill, but Im being charged over {$500.00} for being in the unit 1 day for the month XXXX as I turned my keys in on the XXXX. This company double charged me renters insurance the 15 months I lived there and said it would be taken care of for my credit back to my account when I called to turn my keys in as well as updating a credit for going 14 days with out A/c in XXXX where the temp was higher then XXXX, so theres no way I should have a {$500.00} water bill. I didnt find out I had a balance till the debt hit my credit report. No mail no email not even a voicemail as to the charges and I even gave them my mailing address as required when I signed my cancel of the lease renewal. Not to mention I had my belongings damaged to the water lines breaking, my clothes stolen from the laundry room, again - went without A/c for XXXX weeks, while all being told I would be credited back to then finding out I have this unknown balance after moving out.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and found that false information continues to be reported by XXXX, XXXX, and Equifax. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly dispute this inaccurate account with Equifax, but still, Equifax continues to report false information about XXXX XXXX XXXX XXXX account. The account was paid off and closed on XX/XX/XXXX ; not XX/XX/XXXX. The account was not XXXX past due in XX/XX/XXXX nor XX/XX/XXXX. If the account was past due, XXXX XXXX XXXX XXXX would have notified me in writing, per the Fair Credit Reporting Act 15 U.S.C. 1681 section 623 subsections ( 7 ) ( A ) ( i ), but no such notice was sent to my home mailing address.
Product: Debt or credit management

XX/XX/year> I was diagnosed with XXXX  XXXX XXXX XXXX and was unemployed and did not want to file bankruptcy and contacted Infinite Law Group who had me sign a POA and said they would contact XXXX, XXXX and XXXX XXXX to make a settlement for me. I paid over $ XXXX to them when I did not see any settlement agreements I decided to take one credit card off and try to settle with them myself and this is when I found out all three cards were sent to collections and my credit score went from an XXXX to XXXX. This company now goes by XXXX XXXX XXXX and when I XXXX  the company I see many others have been scammed like me and still owe the credit card companies and their credit scores have been ruined like mine.
Product: Checking or savings account

on XX/XX/2018 I filed a disputed with TD Bank regarding 5 unauthorized ATM transaction from my Checking accounts I have reported the incident to the local police department and filed a police report. TD bank refused to honor my claim stating that the card that was used to conduct the transaction had a chip on it. I had my ATM card on my possession at the time of the incident. TD bank wants me to pay back the money that was taken out of my bank account without my authorization. can you please help me with the dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported with XXXX  and alleged to be XXXX Alleged is reported in deficiency of reporting mandates and or codes therefore the deceptive calumny must be eradicated as is my in a manner acceptable requested resolution, please do so HERE AND NOW! This claim has assumed XXXX XXXX XXXX XXXX XXXX XXXX  ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported :
Product: Mortgage

Amerisave used bait and switch tactics and fraudelent contract misrepresentation to gain our business on a refinance. We applied for a refinance on XX/XX/XXXX and reviewed the contract sent over by Amerisave. We questioned the contract when we saw that the rate wasn't fixed and we were told multiple times verbally and in writing that the rate was fixed and not to worry. Based on this information, we signed the contract and paid a {$500.00} application fee to Amerisave.

We contacted Amerisave several times via phone and email to make sure we didn't need to provide any additional information. In XXXX we became concerned that our rate might expire based on the delays on Amerisave 's end. On XX/XX/XXXX we were told in an email by our loan processor XXXX XXXX XXXX XXXX that " I will ensure your rate will not expire if XXXX XXXX XXXX is slow on finding an attorney. '' He also advised us to take the first appointment offered by the title company. 

When the title company called on XX/XX/XXXX they offered us a closing on XX/XX/XXXX at XXXX which we accepted. We forwarded the appointment information to our loan originator and processor the same day, and our loan processor confirmed he received our email on XX/XX/XXXX and said he would have documents prepared for the closing. We checked in with Amerisave on XX/XX/XXXX and did not receive a repose. The night before our closing the title company said they never received paperwork from Amerisave and needed to postpone our closing. 

Our closing was then rescheduled to XX/XX/XXXX, and Amerisave ended our rate lock on XX/XX/XXXX ( the next business day after our original closing date ). Amerisave then provided us with a new set of costs and terms on XX/XX/XXXX that was {$5600.00} more than our closing documents from our XX/XX/XXXX planned closing. At this point we ended our business with Amerisave since they refused to honor the original terms. They refunded our {$500.00} application fee, but because of their illegal lending scams we missed out on record low interest rates. 

This is a clear bait and switch tactic - Amerisave refused to honor our agreed upon closing date then tried to charge us over {$5000.00} the following business day. We ask that Amerisave reimburses us {$5600.00} since this experience forced us to miss out on the great rate we locked in in XXXX. We can provide any additional proof, emails, contracts as needed to prove our case.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : TransUnion reports XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), TransUnion has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer credit files. Reporting false late payments without verification violates this requirement.

Per 15 U.S.C. 1666b, creditors must send periodic statements at least 21 days before the payment due date. No such evidence has been provided for XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) mandates accurate and timely disclosures. Reporting late payments inaccurately harms my credit profile and standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act ensures that creditors provide timely statements to avoid unfair penalties to consumers, which has not been upheld. 
Desired Resolution Immediate removal of the inaccurate late payment notations from my TransUnion credit report.

Written confirmation of these corrections.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **RE : Response to Complaint XXXX Submission of New Evidence for XXXX  Account Dispute** Dear Experian, XXXX  I am writing in response to complaint number XXXX to provide new evidence concerning the fraudulent XXXX XXXX XXXX account ( Account Number : XXXX ) that has been falsely attributed to me. 

I have obtained an official XXXX Police Department Identity Theft Report** ( Report Number : [ XXXX ] ). officer : XXXX XXXX Badge number ( XXXX ) Under the **Fair Credit Reporting Act ( FCRA ) Section 605B**, you are legally required to block the reporting of any information that is identified as fraudulent when presented with an identity theft report. 

As this XXXX account was opened fraudulently, I am formally requesting that you **immediately block** and remove this account from my credit report. Your continued reporting of this inaccurate information is a violation of federal law, and I expect you to resolve this issue promptly. 

Please provide written confirmation that this account has been removed and will no longer appear on my credit file. 

Thank you for your immediate attention to this matter. I look forward to your swift response and compliance. 

Sincerely, XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX -- -
Product: Credit reporting or other personal consumer reports

I sent ChexSystems a letter requesting my full file disclosure as well as my report and in turn they would only send me a score. I provided proof of my identity as well as proof as address as required and they are still not sending me the information I requested and sent me a score that I didn't request.
Product: Money transfer, virtual currency, or money service

I used cash app to pay for a service call to fix a fixture in my bathroom. The service company XXXX XXXX service which turned out to be a scam. The business owner wanted me to send him money via cash app to pay for a part I needed for repair when I sent him the money via cash app I started to get suspicious because he continued to tell me he had gotten the wrong part and he needed me to send him even more money. I ended up hiring a real plumber who got the part for {$6.00} when this shady business man lied and said the part would cost almost {$80.00}. I tried to contact Cash App to dispute that this guy was running a scam but they have nothing on their plate form for disputes.
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 XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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

XXXX reported an expired account on my equifax credit report on XXXX XXXX XXXX. This is an old account from XXXX that is no longer showing on all XXXX of my credit reports as of XXXX of XXXX because the debt has expired. XXXX transferred the loan to XXXX on XXXX XXXX XXXX. 
The debt was already expired and removed when it was transferred to XXXX. This account from XXXX should be immediately removed from my equifax file. I have enclosed documents to support the account in question.
Product: Debt collection

I took out a loan with Republic Finance. I tried to work with them. After, some time pass by I did not hear from Republic Finance. I assumed that the debt was written off. Two years passed by and I was notified by Human Resources that my wages were being garnished. Republic hired a collection agency by the name of XXXX, XXXX, and XXXX. I was never served any papers to appear in court. After, receiving the copy from my employer of this garnishment I reached out to XXXX XXXX his assistance spoke to me. He was very rude and unprofessional. In addition, I explained I moved and had certain circumstances that took place in my life including a divorce. No sympathy or compassion. Remind you this company makes you pay insurance on this loan. In addition, they are taking out 25 percent EVERY PAY CHECK!! I do not make much from my company. As a XXXX XXXX this is a hardship. They are taking almost half of my salary. In addition, they added collection fees, court cost along with other bogus charges. I need some form of assistance. Also, I advice anyone I REPEAT DO NOT DO BUSINESS WITH REPUBLIC. There collection agencies will milk you dry, lie, and use all types of unethical procedures to collect monies from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Bank ) took me to small claims court and I won a judgment against them. I wrote a letter XX/XX/2018, requesting that they remove all negative items placed on my credit report due to the judgement received against them ... as they are in violation of the Fair Debt Collection Practices Act. They replied that they received the request and they checked with the original creditor and found that their information was correct and wouldn't remove the negative item from my credit profile. I won my case and do not owe the debt and they didn't not remove the derogatory information off of my credit profile. They are in direct violation of the FDCPA. 
I am including a copy of the judgement and response from XXXX XXXX as well as my letter I sent by certified mail.
Product: Debt collection

This creditor did not send me original contact, original credit information, payment history and proof of ownership.
Product: Credit card

XXXX XXXX XXXX Credit Card Number ending XXXX Chase Credit card I was getting bothered and harassed calling. Told Chase to work with me at XXXX dollars a month payment and then they started with you get more fees on top of fees with interest. Was like that is not right and decided to get you guys involved. also, felt discriminated on one of the calls they were saying he can not spell " must be XXXX ''. Just please, help me on this situation and get this resolved.
Product: Debt collection

I paid a debt to Innovative Recovery in full on XX/XX/21. I disputed this with XXXX  on XX/XX/21. The dispute was completed on XX/XX/21 and they are still reporting it as unpaid. I included the reference number, payment date and payment amount in my dispute. Clearly, they did not research this, they just said they " verified '' it. I've since mailed XXXX a copy of my bank statement and the confirmation email, but still no change. The debt also reflects to be unpaid with XXXX. I sent Innovative Recovery a request to update it by mail, but still nothing. I want this taken off of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a dispute to Equifax in reference to unauthorized reporting on my consumer report that included, incomplete account numbers, inaccurate address, and inaccurate information. On XX/XX/year>2024 I received a response via mail that they verified the disputed information. Equifax sent the letter response to the same mailing address. On XX/XX/year>2024, I sent certified mail to Equifax regarding the reinvestigation and procedures that they took to verify that information. Equifax received that letter on XX/XX/scrub>, 2024. Now on XX/XX/scrub>, 2024 Equifax sent me a letter confirming that they received my request concerning inaccurate information on my Equifax credit file. In this letter Equifax claims that don't have the proper documentation to process my dispute. This is a stall tactic from Equifax not to complete and abide by the FCRA, because they only have a 3 days left to be in compliance with the reinvestigation process. Equifax has not sent the itemized request and documentation, a long with measures used in the dispute process. Equifax claims that can't process my dispute because my documents were illegible, in reference to my proof identification. Equifax is using this a stall tactic which is deception because the same identification documents were used to process the initial dispute with no issues. Equifax is causing me severe distress and my anxiety is high, especially knowing that I diligently provided all the necessary documentation and information to process my request within the requested timeframe required by law. Equifax also recently deleted an account from my consumer report between XXXX XXXX,2024 and XX/XX/year>2024. An account that was originally included in my initial dispute. According to law, deletion is admission, therefore proves that there is negligence when it comes reporting inaccurate information, causing harm to my life and other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX - XXXX ( Collection ) account and CONSUMER ADJUSTMENT CO ( Original Creditor :XX/XX/XXXXXXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Debt collection

I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from XXXX. They took it upon themselves to add this on my credit report in XXXX re-aging the debt to XXXX. How can any of this be possible? They are ruining my credit. Notice the dates on the letters I uploaded. Which are XXXX. I do not know who these people are. They did NOT attempt to contact me until a week ago yet they out this on my credit report today and the date on my credit report states XXXX