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

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : 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 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 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 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: Mortgage

In XXXX on 2023 I refinanced my home loan from Click and Close to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/2023 and payment for payoff was sent to Click and Close on XX/XX/2023 ( a Wednesday ) via a wire transfer. Click and Close sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. 

I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. 

It seems as if Click and Close is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. 

I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.
Product: Vehicle loan or lease

Applied for the XXXXXXXX XXXX order number XXXX with Tesla got approved with XXXX for XXXX. The XXXX was XXXX. Tesla told me to cancel the application they could tranfer to the XXXX XXXX So i paid the sscond deposit of XXXX. Then the rep order the XXXX XXXX to be delivered a day later. Pick date they told me to reapply. I appkied twice they denied the app. Then told it was a lease not a loan. I walk through reapply for the loan with a rep but still got denied. Not to mention i was transferred around to three different dealership. Rep not return calls. And i call in get a bunch circle to buy my first Tesla. I called XXXX they told me the loan is approved from XXXX XXXX Tesla keeps submitting the loan when I reapply as a lease some kinda of way. I reapplied for a loan. Is this legal? Please call santander XXXX account XXXX. Telsa told me to cancel pay the deposit and reapply to get the XXXX XXXX  order numbers Rn XXXXXXXX XXXX XXXX XXXX approval loan. I need this loan plus the tesla transfered to the XXXX XXXX Please help resolve this issue. I wanted the XXXXXXXX XXXX XXXX  through my finace companys approval XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX  XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX  that starts with XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXX XXXX XXXX that starts with XXXX
Product: Debt collection

I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC  # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Product: Credit reporting

The credit bureau did not actually investigate the results, they only ask the data furnisher to check their records and most companies are unwilling to correct negative information even if its their mistake. My credit score has dropped about XXXX points due to this. I want to see what paperwork the credit bureau investigation consisted of. It is not fair for a credit bureau to do an incomplete investigation, credit is very important these days and just asking a company to correct their records is unacceptable. I need to buy a car and ca n't get a good rate due to XXXX lying. XXXX has sold my loan as an investment vehicle and they do not have an idea where my loan is located, which is required for any company to collect on this debt. Did the credit bureau actually look at any paperwork to see if XXXX can locate my own, I want actually proof of what the credit bureau looked at when they did their investigation.
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report and have no clue why they appeared. I routinely check my credit report, but this time I noticed unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccuracies remained. Due to this issue, I request that the documents I've sent be thoroughly checked so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer complaint. I have retained a record of your receipt and proof, as well as a time-stamped copy of my credit reports, showing that you have violated the Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Debt Collection Codes Act Section 807 ( 8 ), the mandatory Metro 2 formatted reporting standard ( s ) of compliance, and others, by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified compliantly, not provable as accurate, and is plainly inaccurate and incomplete, representing a serious error in your reporting. Regardless of the reason, the claim disregards my consumer rights and your obligation for perfect, provable, compliant reporting of only correct, timely, verified, valid claims, even regarding the adverse consistency and legitimacy required under the Metro 2 format and reporting standards.

YOU MUST ERADICATE the claim ( s ) of any delinquency or derogatoriness that is questionable in this case. Delete the following immediately : CREDITOR NAME : XXXX/CROSSCOUNTRY MORTGA INQUIRY DATE : XX/XX/year> Inquiries : XXXX Creditor Name XXXX Date of Inquiry XXXX/CROSSCOUNTRY MORTGA - XX/XX/year> ( XXXX ) Explanation : XXXX/CROSSCOUNTRY MORTGA, asserted on XX/XX/year>, is an unconfirmed inquiry, not yet proven to be with the necessary adequate and urgent achieved lawful Permissible Purpose. Additionally, it is not compliant with the Metro 2 standard as currently reported.

Please BLOCK from reporting immediately!
Product: Debt collection

Company calls my cell phone repeatedly from " spoofed '' numbers from area codes XXXX, XXXX, XXXX, and XXXX ( all Alabama area codes where I live ) and every time I tell them NOT to call me again until I receive something in writing from them showing where all efforts to bill BOTH my insurances in the proper order have been exhausted. They have NOT sent me anything and refuse to quit calling, but tell me every time that they are " making a note on my file to not contact me again. '' The last straw was when they called while I was in intensive care in the hospital and they refused to let me hang up without threatening to take away my XXXX check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Experian is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Experian is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Experian is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Debt collection

I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ). 

The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''. 

On XX/XX/XXXX, XXXX  credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX. 

The debt collector ( ERC ) has reported to XXXX  before 30 days period and before receiving my letter to them requesting validation. 

If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by TransUnion regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, TransUnion is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a XXXX late payment for XX/XX/year>. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account.

Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including XXXX, XXXX any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that TransUnion conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Since my first use of PayPal credit card Ive been having problems paying my credit debt. The reason of this is because PayPal limited or purposely limited the way I can pay to charge unscrupulous higher late fees even tho I tried always to pay on time. Im done with this people, I spoke with more than XXXX support agents and none of them are fixing my problem, so, they can keep charging me the late fees they obviously and purposely created. The only way is to calling them, what if I cant call or just dont have a phone to call them? They are limiting my ways of paying my debt on time. 

I will include the names and conversations with the agents, this people must be fired for being against the customers and being pro thiefs. 

Names : XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Mortgage

Good Afternoon- I am embroiled in a problem with Citizens Bank regarding escrow insurance thats included in my mortgage payment but Citizens is not making the payments to the flood insurance carrier. As a result I have had to pay the premium since the inception of the loan over 2 years ago. 

Last year they failed to make the payment to the carrier and I made the payment out of pocket to avoid cancelation. after a substantial effort Citizens finally paid me back the money I paid. 

This year, I had to make the payment again due to their failure to pay the premium out of my escrow and now I can not get them to repay me the money I paid out of pocket. 

Without exaggeration, I have contacted them over a dozen times in an effort to get my money back ( which is my money as I paid it into an escrow account ) and they will not return my calls. 

To add insult to injury, Citizens is now sending me threatening letters accusing me of not paying my flood insurance bill. 

Every time they fail to make the payment, I risk losing my coverage. 

I am at wits end and do not know where to turn. Can you assist me getting this issue resolved? 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : 11 XXXX XXXX XX/XX/XXXX XXXX - {$160.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

AGAIN XX/XX/20 EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX  XXXX  XXXX  XXXX  AND XXXX  XXXX  SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 5 months I have reached out to Equifax to correct an inaccuracy on my credit report. It shows that I have XXXX late payments with XXXX, I have never been late. On my credit report it shows that my last active and payment date was in XX/XX/2018. This is when I paid the account off and have a XXXX  balance. In XXXX, XXXX, and XXXX it shows late payments which is impossible with the account having a XXXX  balance. I have attached a copy of my report to prove what has just been stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally purchased my car at XXXX XXXX in XXXX, Florida, I was financed through XXXX  XXXX  XXXX Florida  at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was having problems with the car from the inception of the loan. I took the car back to XXXX XXXX and they couldn't repair the car. Which later caused me to get a loan from XXXX to repair the car. The car was taken to the repair shop and repaired, the next day the car ran hot and would not start. I was given another loan from XXXX to repair the car. The car was repaired, I drove the car home and once I parked the car it wouldn't start again. I sold the vehicle to my niece XXXX XXXX while the car was in the shop I took her to XXXX  XXXX   XXXX Florida  and they financed the car in her name and kept my name on the loan as a co-signer. I told them I didn't want that since the young lady had a good job and could pay her loan. I was told this was the only way. I told them I thought this was unfair lending practices. XXXX told me that was legal and was the only way XXXX could get the car. The car was repaired again and never worked, XXXX gave me a name of a repair person and said he would repair the car and they would take care of it. I took the car to the transmission place and got an estimate it was another {$3000.00} once the car was in the shop I received a call from XXXX the manager of XXXX  stating that she was not going to do another loan on the car that they would try to replace it with another car instead. They never did it, in XXXX, 2019 I received a call from XXXX stating she was prepossessing the car. I told her that this is not fair to the young lady XXXX or myself after getting so many loans and the car was upside down. It would be a lost for the both of us and ruin our credit. She was sharp and abrupt and said she is the manager that is her decision, I call the headquarters of XXXX three ( 3 ) time asking for assistance and they told me that the company was independently owned and they have nothing to do with it. I have two ( 2 ) loans on my credit report and so does XXXX without a car that operates. I continued to call XXXX and XXXX and she would hang up the phone each time. My credit score has dropped 100 points because of this and continues to decline. 

These practices are unfair. I called the attorney general office of the State of Florida and made a complaint to date I haven't heard from them. I need help to get this off my credit report and XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX CARD TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX XXXX XXXX  TYPE OF BUSINESS BANK DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 EXPERIAN XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 XXXX XXXXXXXX XXXX  XXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX XXXX