23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have quite a few things on my credit history that werent thoroughly investigated & are entirely inaccurate. A lot of the accounts have been charged off & resolved yet it still is hindering my credit report. I would like that all my credit history be properly relieved of all incorrect, inaccuracies & unresolved matters off my credit fully & removed. XXXX, XXXX XXXX, XXXX, XXXX XXXX, & NCA are all inaccuracies. XX/XX/XXXXXXXX is fraud and was closed but is still being reported on my credit, its the same with XXXX, XXXX, XXXX XXXX, & NCA.
Product: Consumer Loan

I purchased a vehicle in 2010 for {$12000.00} and financed the loan through Santander Consumer USA https : //www.santanderconsumerusa.com/ after 5 years of making payments of {$310.00} a month they tell I still owe them {$9100.00}. I want to pay off my loan but it seems never ending.
Product: Debt collection

I am XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Business Credit Report have 4 Fraudulent UCC1 's that's been proving to be Unauthorized, and non accurate, The California Secretary of State have deemed all 4 UCC1 's as fraudulent, and all 5 UCC3 's Termination are approved, and applied. All 5 UCC3 's Termination Documents are attached. The XXXX XXXX Sheriff Department Fraud Department are contacted, and the LA Sheriff Identity Theft Report are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXXDate of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I made the mistake of purchasing a washer, dryer and refrigerator from Sears. I was told that if I opened a Sears credit card that I could get free delivery. After two weeks of waiting, I was told that the items were going to be delivered on Friday, XX/XX/XXXX. I got a call that morning from the delivery personal that the items were arriving. Then I got a call 2 hours later that the refrigerator was gone. Sears later changed their story, saying the refrigerator was never on the truck. I attempted to cancel the refrigerator twice because Sears told me it would be another two weeks to obtain a refrigerator. They initially refused to cancel the item and when they finally did, they refused to send me written confirmation saying that written confirmation was not possible. Move forward another week, my Sears credit card arrived and I immediately set up a payment ( in XXXX ). Sears waited until XX/XX/XXXX to submit a letter that they could not run the payment, but they never sent me a letter even though I had n't yet signed up for paperless billing. Come the XXXX, I find out I have a late fee and my bank says there is nothing wrong with my routing or checking account number. I called customer service and tried paying yet again only to get another letter that THAT payment did n't go through ( I used a debit card the 2nd time ) and that my late fee had not been removed as per the reps assurance. I have spent 22 years handling my credit with kid gloves only to have it ruined by Sears. Their practices are unethical and it is no surprise they are going out of business!
Product: Credit reporting or other personal consumer reports

Equifax has been incorrectly reporting information in my credit report Ive have sent disputes for things to be removed and they refused
Product: Debt collection

I have already submitted a dispute through XXXX and XXXX. The debt has not been removed from the XXXX report, but has been removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a thorough research of the accounts I Im responsible for I contacted Experian to verify the accuracy of my report and the inaccurate data reporting for months to possible years In accordance with the Fair Reporting act Experian member Id XXXX Has violated my rights 15 U.S.C 1681section 602 A. States I have a right to privacy.

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

I am trying to pay off my debt and I need a statement first because I'm taking out a loan to pay off my items in collections. I have called numerous times to be told they will email me one when it's my turn. It has been almost 3 weeks and they will not provide me with a statement. I'm considering getting legal advice to see if I can take them to court. This is holding me up from buying a home. When I call they tell me they will email one. I have no emails from them yet. Another person told me to submit a picture of a letter in writing stating I want the statement. I have done this a week ago and still nothing. This is unacceptable. The card is a Visa Total card issued through XXXX XXXX XXXX. I have also called XXXX and they don't have my account because this was from several years back.
Product: Credit card or prepaid card

Dear Sir or Madam, My name is XXXX XXXX XXXX. On XX/XX/XXXX, I went to Home Depot to purchased hardwood floor with cash on hands. The lady at the checkout offered me a store credit card with interest-free for 24 months. After talking to my husband, I accepted the offer. I purchased the hardwood floor over {$4000.00}. I have been making payments every month and never been late on a payment. Based on my calculation, I owed them less than {$2000.00}. On XX/XX/XXXX, I called to make a payment, they told me the balance was over {$4800.00}. On XX/XX/XXXX, I called customer service to find out what is wrong, they told me that they have been charging me interest since the date of purchase. That is not what I agreed to when I made the purchase. On the same date, I called again and asked to speak to a manager, they made me wait for 30 minutes and they hung up the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Hard Inquiries and Charge-Offs on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries and inaccurately reported charge-offs on my credit report, as reflected in the attached documentation. These inaccuracies have caused significant harm to my creditworthiness and financial stability. 

Unauthorized Hard Inquiries The following hard inquiries appear on my credit report without my explicit authorization : XXXXXXXX XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXI on XX/XX/XXXX Under 15 U.S.C. 1681b ( 2 ), permissible purpose is required for any party to access my credit report. Furthermore, 15 U.S.C. 1681q prohibits knowingly obtaining a consumer report under false pretenses, which these inquiries suggest. I demand that these inquiries be investigated and removed promptly. 

Inaccurate Charge-Offs The following charge-offs are inaccurately reported : XXXX XXXX, account ending in XXXX, charged off on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX 15 U.S.C. 1681s-2 ( b ) requires furnishers to ensure accuracy, and 15 U.S.C. 1681i obligates credit reporting agencies to investigate disputes promptly. Furthermore, any cancellation of debt should have been reflected per IRS 1099-C, eliminating the liability. 

Recent Breaches and Precedents The recent XXXX data breach exposed millions of consumer records, heightening the risk of unauthorized access to personal data. Additionally, the CFPBs lawsuit against XXXX on XX/XX/XXXX, for reinserting inaccurate data highlights the systemic issues in credit reporting systems. These developments necessitate heightened scrutiny of my report. 

Relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), underscores that credit reporting agencies are liable for failure to ensure accurate reporting and proper investigation of disputes.
Product: Credit card or prepaid card

I made a my last and final payment to Comenity Bank Wayfair on the the XXXX of XXXX. They did not process the payment until the XXXX of XXXX causing the account to accrue interest and fall in to collection. The payment was absolutely made on time prior to the due date. Wayfair held on to the payment so that interest could be charged.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

I was XXXX  XXXX to XX/XX/year> Several.items on my credit report are not mine and should be removed because I did not do them and was XXXX  in XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXl as follows XXXXXXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX ky XXXX XXXX XXXX  {$2900.00} XXXX XXXX  XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these from my credit report pursuant to title 5 and title 15 of the privacy act and credit report act I was not giving anyone permissible purpose to send my personal information to 3rd party reporting agencies nor have I signed any contract stating I agree to have my personal information reported by 3rd party reporters or credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I can't recall exact dates bc it was a long time ago through zelle and XXXX XXXX they closed my account for XXXX XXXX bc they stated I was doing fraud and I wasn't
Product: Checking or savings account

On XX/XX/2018 I attempted to log in to my Chase account. I received a message saying that my account was suspended. I contacted the bank and they told me my account was being closed and that I would have to wait for 10 days for my account to be closed and that they would mail me a check. I was not notified that my account would be closing and I have no access to my funds. I also had money transferred to my account in the amount of {$800.00} that was also held up that is needed for bill.
Product: Checking or savings account

XX/XX/2019, I recently received a letter from ( BOA Bank of America ) I realized they charged me {$35.00} while I requested closed account .I believed fraud activity from someone else .Last spring XX/XX/2019 I spoke with banking manager so why were you charged me a negative account balance.He said I must require to set direct deposit but I disagreed with him. I decided to be closed account, but manager refused it.Then I came back again I then my debit card to returned back to closed account.someone stole my funds without I know.I should not pay a deposit {$35.00} in my old account. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially purchased something in XXXX of this year. And returned the item in person as well and was not credited that money. I then later received a bill for a payment that I should have not have to pay. So I started to try and work this out since early XXXX. I also send over a copy of the receipt that I had to clear things out. I spoke to numerous people no one really helped to get things done. They did mention that it was maybe because they changed banks, but sorry that is not my fault. This should have not happened. I filed a dispute and then they closed it and I had to call again so they could recheck. They told me to wait and where not helping at all. I finally called because I did not hear from them. They said this month after they told me not to worry because they where working on the disputed to just wait. So I got tired of not hearing anything so I flared yet again and they said they closed my account!!! Their bad actions of not helping had affected my credit. I need them to fix it ASAP!!! This is so sad that they just tied to wash theirs hand and affect my credit. I need for someone to fix this. I am in process of trying to purchase a home. Please have them fix my credit. 

In the attached paper is the receipt I also sent them so they could fix it fast. It is so old now that you cant really see but it was the proof I only needed to show them. It has taken them almost 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent inquiries listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several inquiries and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The debt collector associate ( XXXX Last name unknown ) stated that I was two payments behind on the bill of XXXX dollars and cents unknown. When I called back to ask to file a formal complaint against the gentleman I was informed that I was actually only one payment behind. The associate also used abusive and inappropriate tactics to coerce me into making the payment during the phone call. After continued abusive language and verbally stating I was being made uncomfortable and being treated quite rude and unprofessional I ended the phone call abruptly.
Product: Credit card or prepaid card

Was given a XXXX prepaid gift card by my boss for XXXX last year. Never tried to use it until XXXX XXXX, but at the register it only registered {$1.00} and the purchase was considerably higher. After leaving the store I remembered I had n't used it before so looked on the back and although there 's no phone number for activating the card, there was a number for lost or stolen cards so I called it and was able to activate the card. Went back to make my purchase but this time the card was declined. Went home to check on internet and found out you have to register the card first, but when I put in the card number, the error message said there was no record of that account number. This morning I looked online again at https : XXXX and found literally thousands of complaints with exactly the same problems I had.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code1681 b- I did not give Equifax any written consent to furnish anything on my consumer report and no consent is identity theft. And under 15 U.S. Code 1681 b ( 3 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Both of my consumer rights were violated by Equifax.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the persistent inaccuracies on my credit report, specifically a late open account, despite many attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$450.00}.
Product: Credit card or prepaid card

On XX/XX/2020 Sears Mastercard close my account after receiving payment of total balance outstanding. The reason given by Sears Mastercard was information received from my XXXX  Credit Report with incorrect information from XXXX XXXX in dispute. I contacted Sears Mastercard via telephone and email on XX/XX/2020 to inform them that my intention was to reduce my Credit Card Utilization. I requested an appeal to have the current credit limit reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove all listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete all items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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

XX/XX/2024 I made a payment from my XXXX  XXXX XXXX checking account ( this is the account always used to pay Carmax ). XXXX XXXX XXXXXXXX experienced a technical error XX/XX/2024 causing delay for this payment. Reports of this technical glitch was publicly reported and although I tried to relay this information to Carmax, it was not acknowledged by the representative who eventually hung up on me. As a result my XX/XX/2024 payment has been reported as " late '' to the credit bureaus, although I paid on time. Please update this XX/XX/2024 credit report to not reflect " late ''. 



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