23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX I register for a class ( XXXX XXXX XXXX ) at the XXXX XXXX XXXX, that same day I got an email from XXXX XXXX " XXXX '' XXXX that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the XXXX XXXX XXXX course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX XXXX XXXX, XXXX. ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

Low and behold they did, they sold it to Conserve who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I filed bankruptcy, Self INC closed out my account even I was paying it on time. I never missed a payment or late. I ask them to removed this and it still showing it still on there
Product: Credit reporting or other personal consumer reports

I need to bring further attention to certain inaccuracies that persist on my credit report despite XXXX 's prior investigation. This inaccuracy is ONLY reported to XXXX. It is affecting my quality of life. I kindly request a re-investigation of these matters, and urgent you to rectify any errors as soon as possible. 

here are the specific items in contention : XXXX. XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all the letters and CFPB complaints I have been sending addressed to the Credit reporting Agencies, the XXXX and TransUnion Credit Bureaus have become negligent of their duties and resposibities when it comes verifying the information being reported on a consumer 's Credit report. I have been a victim of identity theft and I believe thatt he inquiries being reported by the XXXX and TransUnion Credit Bureaus were the results of such crime. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus remove the unverified inquiries from my Credit report. But despite all the Letters I sent, the Credit Bureaus continued their uunverified reporting which is a clear violation of my rights under the FCRA section 604. I am submitting this CFPB complaint to remove the following unverified and unauthorized inquiries deleted from credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

8/23/23-Informed company that I had obtained counsel for Bankruptcy filing provided name and number to attorney and requested them to stop contacting me. Collector stated he will continue calling and texting so that they will still keep trying to pull payment from my card and that they will report me to credit bureaus. I stated once again to stop contacting and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank XXXX XXXX XXXX XXXX XXXX I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Vehicle loan or lease

I purchased a new car from Clay Cooley XXXX of XXXX on XX/XX/2023. They gave me the wrong car. On XX/XX/2023 I returned to the dealership to exchange cars. They had me sign new papers with the correct VIN. 
I discovered they ran a hard inquiry on my credit report twice. I was not told about either report. I assumed they would run one on the XXXX but I never agreed to the report on XX/XX/2023 and I want that inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed online with all 3 CRA that XXXX XXXX was violating my rights by reporting the car loan as 120 - 150 days late. When XXXX hit my daughter called XXXX XXXX to see if they had a program to assist with payments. I am joint owner of vehicle so its on both of our credit reports. I listened in on the call and my daughter was told they would accept half payments each month and would not report our account as late. Payments were made as best as possible being that she wasnt working not getting consistent Unemployment benefits and I was considered an Essential Employee and my pay had to take care of XXXX adults and XXXX kids.Once XXXX  rules were relaxed they immediately reported the payments they agreed to as late and put that on our credit report every month bringing our scores down further and further. The 3 CRA said they verified it as accurate. I dont think these big companies should be able to take advantage of regular old working folks and renige on an agreement and give you no fighting chance. 
I filed my disputes online so I cant upload anything.
Product: Credit reporting or other personal consumer reports

I truly appreciate that time used the XXXX to remove 5 fraudulent inquiries from my credit report. And the Equifax have managed to remove one fraudulent inquiry as well. However, I still need the 9 remaining fraudulent inquiries to be removed. So, I am requesting another INQUIRY REMOVAL process from the XXXX and Equifax bureaus. Please see the inquiries below to be removed from my credit reports : XXXXXXXX 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  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have asked CitiBank to leave me alone with their endless offers through the mail. It contains information about my account and my mail has been stolen before. I have asked the company 5 times now to remove me from any and all offers and I am still receiving endless offers. PLEASE MAKE IT STOP. I signed up almost a year ago for the permanent removal of all promotional offers through the XXXX XXXX XXXX site. They try to get around the opt out by using only parts of my name instead of my full name, which is a loop hole but I should n't have to submit 3 different names just so they stop.
Product: Student loan

I enroll at XXXX XXXX XXXX XXXX in XX/XX/XXXX for a program starting XX/XX/XXXX ending XX/XX/XXXX. During my enrolling and attending classes at XXXX XXXX, I went out on a approve medical leave of absence from XX/XX/XXXX to XX/XX/XXXX. I went to school for about a week and a half before going out on leave of absence. I never establish a grade point average because I was out on leave of absence. I receive a letter from the college inquiring if I was planning to re enroll, I call my student XXXX and told him I was n't planning to re enroll because I was still in physical therapy and I was unable continue school in the future. Counselor said he would take care of the matter. I never receive any forms to state that I was withdrawing from XXXX XXXX.I did n't hear anything from the counselor, I receive a letter from XXXX XXXX XXXX representing New Century Financial Services , INC . I am being sue for {$6600.00} and I strongly disagree on this debt because the college never followup on their own Cancellation and Refund Policy. I dispute the claim. to date, found it necessary to hire a lawyer to resolve this matter. Any assistance on your part would be helpful. Thanking you in advance.
Product: Credit card or prepaid card

I closed my account on XX/XX/2021 with a positive balance and was due a refund of {$120.00}. I recently disputed successfully an authorized transaction and recently providing additional information to a representative who had called me. 

The bank reported my account to the credit bureaus indicating that I owe them money on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX pandemic, I fell victim to identity theft. I followed all the procedures, filing identity, theft, affidavit, police reports, submit it to the collection, agencies and credit bureaus, which all have failed me and was just generated a random generic validation. Ive reached out to each individual credit report bureau that is reporting these fraudulent accounts on my name, and they have failed me yet unable to give me validation of how they were verified. Other than there was an online application, submit it and verified that is their only verification of the debt, they have failed me as a consumer to investigate and block these fraudulent charges as I requested and did all of the steps they had asked me to do. I have no more faith as a consumer in our credit reporting agencies is a report, false information, and on my part fraudulent information.. In 2021 there was an account with fair collections XXXX for a real estate company for a lease for a home. I have dispute it with them which they have failed me and also the credit bureaus XXXX being ignored from this point as Ive sent them, my identity, theft affidavit, and my police report, proving that in fact, my identity was used without my permission, and I resided in the state of Florida during the time of these fraudulent accounts. All three XXXX XXXX, Equifax and XXXX are reporting false and fraudulent information on my report which is causing me harm to my personal life, and I am unable to live my daily life financially due to the fact of these accounts being on my reports, and Im not able to move to another home because of these accounts on my name. I think you in advance for investigating the situation with the credit bureaus and exercising my rights as a consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Account XXXX Account to XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my XXXX, Transunion and XXXX that I didn't authorize at all! I have sent several disputes to XXXX, Transunion and XXXX however nothing as been done! I need these removed asap per the law! I have litigation pending for all 3 credit companies regarding this. I also need ALL PERSONAL STATEMENTS REMOVED FROM MY XXXX, TRANSUNION and XXXX REPORT INCLUDING FRAUD ALERTS. AGAIN, I NEED ALL PERSONAL STATEMENTS REMOVED INCLUDING FRAUD ALERTS. I have resolved all of these matters and don't need them anymore! 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX TXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXE XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX SUB XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX IXXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX FOR XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

On XX/XX/2022 a cash advance was taken from my Bank of America credit card in the amount of {$18000.00}. When I noticed the charge, I immediately notified B of A. I followed all the instruction to file the dispute. After 90 days the dispute was rejected, and they want me to pay the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.
Product: Credit card or prepaid card

1. In XXXX of 2023, my credit card with First Progress bank ending in XXXX expired. 
2. On XX/XX/XXXX of 2023 at XXXX XXXX, I requested a replacement card by calling XXXX. 
3. On XX/XX/XXXX at XXXX PST, I reported fraudulent charges : XX/XX/2023 XX/XX/2023 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} 4. I had never received the replacement card at this point. The credit card was evidently stolen in transit. 
5. Another fraudulent charge appeared on XX/XX/2023 : XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX} 6. A new card with a new number was issued. 
7. I called again on XX/XX/2023, at XXXX PST regarding the failure of First Progress to remove the fraudulent charges, and how they were showing that I owed them a minimum payment on fraudulent charges. The agent in the fraud department told me the case is still being worked on, and that they need more time, and that the charges aren't my responsibility. 
8. The company charged late fees and finance charges on fraud, and reported delinquency to all three credit bureaus, where I have filed disputes : 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

I applied for a credit card on XX/XX/2019 at XXXX XXXX XXXX administered by Synchrony Bank. It was approved for only {$250.00}, I requested a credit increase it was denied on XX/XX/XXXX and again on XXXX. They pulled my credit report on XX/XX/2019. I have an excellent credit history and this rejection is unfounded. I questioned the denial and I was told " it was denied '' with no valid rationale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to Bank of America since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX XXXX XXXX : Bank of America Home Loans This complaint is against Bank of America Home Loans a subsidiary of Bank of America Corporation for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against Bank of America. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from Bank of America Homes and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against Bank of America Corporation involving minorities and Latinos. XX/XX/XXXX, Bank of America settled the complaint by the US Department of Justice for {$16.00} billion dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS MULTIPLE INQUIRES ON MY REPORT THAT I NEVER AUTHORIZED NOR HAVE I OBTAIND ANYTHING FROM THE BANKS LISTED BELOW, THESE INQUIRES ARE FRAUDULANT AND I HAVE NO IDEA WHERE THESE INQUIRES COME FROM REMOVE INQUIRES SIGNATURE XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016, I requested a copy of my free annual credit report. The automated system stated one was already sent. This happened with all XXXX agencies. I put a fraud alert on all XXXX reports. I tried to get my reports by phone and letters and still have not received these reports. I need someone to intervene on my behalf. Any help from your department would be greatly appreciated.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER XXXX Balance Owed : {$110.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Vehicle loan or lease

GM Financial mistakenly reported late charges to XXXX, XXXX, and XXXX that appear in my and my spouses credit reports. I paid all the monthly statements on time until the last payment due date. We have been told the late payment claimed in the account is related to lease car return fees rather than loan payments. However, it appears in our report as a +120days late monthly loan charge, which is extremely hurting our credit scores. Our understanding is that GM Financial sent a letter in the mail regarding this fee, but we have not received it. There was also no email notification from GM Financials in this regard. We accidentally found this reporting during our regular credit checks and paid in full immediately. However, it still appears in our reports and negatively impacts our credit scores. Although we have reached out to GM Financial a few times, they have not taken action to make corrections to this report. I would like GM Financial to coordinate with all credit bureaus on removing this posting from both my and my spouse 's credit reports and correcting the negative impact caused on the credit score.
Product: Debt collection

I have called the debt collector at least 100 times. If phone records nee to be provided please ask. They refuse to take my calls. I spoke to them early on in the process and asked for a detailed report of where the amount of the debt was coming from. I never received any documentation indicating why this debt was owed, or what exactly it was for. I received a call from my old address that there was a letter for me from the debt collector. I went to retrieve the letter and found that they had sued me, without taking my calls, allowing me to settle the debt, and/or providing me with the detailed list that indicating why exactly I owed the amount disputed. The debt collector is now screening my calls and leaving me in a position where I am unable to defend myself.