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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX  - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, my sister XXXX XXXX XXXX, sent a telegraphic transfer for {$20000.00}, from her Citibank LA account # XXXX to me, XXXX XXXX XXXX, into my US dollar account in XXXX XXXX XXXX with account number # XXXX. We also provided the banks XXXX code XXXX The Telegraphic Transfers reference number is # XXXX for which she paid {$45.00} for the transfer. The Bankers code is : XXXX, XXXX The transfer was supposed to be made available to me on or before XX/XX/2019 however, to this day ( XXXX ) I still don't have the funds! 

I provided my bank with the confirmation and followed up but they were also surprised that the funds have not been remitted. They claim that there was a problem with the way the money was sent. It was allegedly sent in XXXX when it should have been sent in dollars. 

My sister complained to the bank but they said as far as they are concerned the money has been remitted to Citibank XXXX. We argued that we have not received the funds but they are unable to tell us where the money is and how it will be resolved. Furthermore, they also said that the investigation will take up to 90 days! 

I can't believe that this can happen! I desperately need my money and the bank that messed this transfer is not forthcoming with a solution. 

How can this happen??? This should be investigated. Who will pay for the interest payments that I am now charged for missing my payments? 

I hope you can look into this and help me recover my money. 


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

XXXX made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted XXXX did their typical " its not our error '' and blamed it on the JPMC Chase who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case XXXX processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

XXXX is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. Equifax and XXXX did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Regarding Inaccuracies and Time-Barred Debts on Experian Credit Report - Report No. XXXX Dear CFPB, I am writing to formally lodge a complaint regarding multiple inaccuracies and outdated information on my Experian credit report, reference number XXXX. These issues are affecting my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific issues I am encountering are as follows : Inaccurate Information : My credit report contains numerous errors, including accounts I have not authorized or do not recognize. 
Time-Barred Debts : Many of the debts listed are past the statute of limitations for collection under Georgia law ( O.C.G.A. 9-3-25 ), which is four years. Despite this, they are still being reported as outstanding. 
Failure to Update Information : Several debts and negative items remain on my report well beyond the legally allowable reporting period. 
I have contacted Experian to dispute these inaccuracies, but they have failed to correct the errors within a reasonable timeframe. This unresolved situation is causing unnecessary harm to my credit score and financial standing. 

I kindly request that the CFPB intervene and ensure that Experian corrects the inaccuracies, removes all time-barred debts, and updates my credit report accordingly. I would also appreciate guidance on further steps to ensure my rights under the FCRA are upheld. 

Please feel free to contact me if additional information or documentation is required to investigate this matter further. I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed a *single* loan with One Main Financial for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off One Main Financial gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was One main financial the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/XXXX* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a chargeoff*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the One Main Financial representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted One Main Finacial head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XXXX and it still affects my credit raiting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$590.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4300.00}
Product: Checking or savings account

Taxes were filed through them and reluctantly agreed to have refund be delisted into Cash app account due to the promotion of receiving it XXXX  days early. The refund attempted to deposit but Cash app sent it back and now I have bills left unpaid, services being shut off, and probably wont see the money for XXXX weeks or so. The customer support has been absolutely terrible and they ended up closing my bank account altogether after me constantly trying tonfind a way to get access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false. 

The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first Monday back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle. 

In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned. 

As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.
Product: Debt collection

I am being charged for an alleged debt, and I never entered into a contract with XXXX XXXX XXXX  XXXX They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.
Product: Debt collection

I was injured in a fall while out of town in a tourist trap in XXXX WI called the Wisconsin XXXX where i hurt my shoulder : I went to what I was told to be an Emergency Room, XXXXXXXX XXXX XXXX for treatment, and was released ; When I was billed i was informed that iit was Associated with XXXX XXXX XXXX and was charged XXXX because the facility was coded as an Urgent Care facility and not an Emergency Room. My insurance carrier would not cover some costs because it was an Urgent Care to an Emergency that i was lead to believe it was and would have been covered by my medical insurance : It turns out that iwas only an Emergency room after XXXX PM at night and I went they a XXXX PM ; Nowhere was this posted or told to me : I protested the charges on the phone and in writing many times XXXX XXXX XXXX XXXX ignored my requests and sold the debt to MEDICREDIT XXXX FOR COLLECTION ; i ALSO CALLED, WROTE AND DISPUTED THE CHARGES WHICH WERE IGNORED AND SUBSEQUENTLY REPORTED As BAD DEBT COLLECTION ON MY CREDIT REPORTS ; i requested the Credit Reporting agencies to investigate and remove the derogatory information on XX/XX/XXXX, They ( XXXX ) claimed they investigated but appears to only validated what the collection company reported with the collection company and the bad debt remains on my credit repair until XXXX. This debt was never justified, never past due and never paid, yet the mark on my credit report claims it was paid and was in collections impacting my credit score : While only a small debt, it clearly points to just how the debtors and collection companies are using their power and illegally weaponizing credit collections by reporting in violations of the Federal Credit Reporting Act. It is requested the CFPB fully investigate the practices of XXXX XXXX XXXX XXXX XXXX WI and the MediCredit XXXX of Maryland for violations and abuses of the credit debt collection and reporting processes : Furthermore, It also requested that the CFBB reevaluate the practices of the credit reporting bureaus with regards to just how they are conducting so-called " Consumer Invnenstigations : '' Its not much of an invention is if al thy do is contact he reported violated and parrot back their response, in fact, it more like a shame investigation. there must be sever consequences for comapnies that abuse their power, destry peopel reputations, and ignore the law
Product: Debt collection

I do not owe this company anything, all equipment was returned. This is false and a scam.    RGS Financial  #  XXXX  {$790.00} Requesting this be removed
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I sent in a payment for {$1000.00}, {$480.00} in a personal check and {$600.00} in a money order. The personal check was misapplied to a credit card I have with Citi and not my personal loan. The {$600.00} money order was never applied to any of my accounts and they have no record of it even though both documents were in the same payment envelope. I called to ask who handled the payment posting to try to learn what they did with the money order. I was told it is an automatic process.
Product: Credit card

I am writing to follow up on my ongoing request for a credit balance refund for my account ( Account Number : XXXX ). It has now been XXXX months since I initially provided the Discover with the necessary information, and despite XXXX  follow-ups, I have yet to receive a refund or any meaningful communication regarding the status of my request. Billing Error and Concerns On my DISCOVER credit card statement dated XX/XX/year> XX/XX/year>, I identified a credit balance error under 15 USC 1666B ( 1 ). To ensure that this matter is handled appropriately, I hereby authorize Discover to share all relevant information and documentation regarding this account and my requests with the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

XXXX, XXXX and TransUnion have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 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, credit repair services, or other personal consumer reports

US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 Capital One Auto Finance, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX XXXX, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 XXXX XXXX XXXX XXXX Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account Number XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report
Product: Debt collection

I was called repeatedly about a late payment. I was called at XXXX, XXXX, and XXXX. No message was left on any of the calls. The payment was already made this morning. They stated I can only stop the excessive calls by requesting to be added to the do not call list. If I forget to make a payment I definitely would like to be informed but the only option is repeated calls or do not call at all.
Product: Debt collection

STERN RECOVERY SERVC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 2 charges 1. {$150.00} 2. {$510.00} They removed it from my XXXX XXXX but still shows up on XXXX and XXXX  credit reports which is effective my credit score
Product: Mortgage

In XX/XX/XXXX, after the Tornado that hit our area, we were given a forbearance by XXXX XXXX for 3 months. In XXXX we received a document stating that we were approved for an FHA XXXX XXXX XXXX XXXX which was approved due to the emergency that occurred in the area XXXX XX/XX/XXXX ). The last payment we made was in XX/XX/XXXX, In XX/XX/XXXX, we called Premier Lender to make the payment for that month, however, we were notified that the loan had been transferred to Carrington Mortgage. From this we were told that our payments needed to be made to Carrington Mortgage in XXXX and XX/XX/XXXX for the value of {$3000.00}. To our surprise Carrington Mortgage sent us a statement for the payment and in the statement, it said that we owed a value of {$19000.00} when were already approved and sent in the paperwork signed and notarized, as we were told to do, where it states the amount, we were promised. We have proof that the documents ( Promissory note/ Partial Claim Deed of Trust-FHA Case No XXXX XXXX ) was received via the tracking number verification. At this point we are being demanded this payment and we need them to be honest and send us the real statement that is for the month of XXXX and XXXX that is {$3000.00} as noted in the documents that were presented to us. They still have not updated our payments and it still looks like we're are behind on them for over 130 days, this has been affecting our credit. We submitted the complaint to the CFPB and the XXXX  XXXX XXXX and still have had no response. Attached are my supporting documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX {$5300.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7700.00}, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$510.00}, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$440.00}, 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX on XXXX XXXX XXXX, which was operated by the company XXXX XXXX at the time have wrongfully claimed I owe them money in the amount of {$2200.00} and sent a false debt to collections. This was placed for collections with NATIONAL CREDIT SYSTEMS on XX/XX/2018. I previously lived at this apartment complex and moved out after harassment by management and enduring filthy living conditions ( roaches, bats, etc. ). My balance was paid and proper notice was given before moving out. The complex claims I did not pay them rent and is attempting to charge me for carpet installation. These attempts of extortion are an act of retaliation after I left negative reviews about the apartment complex and its management in online forums.