23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. Experian and XXXX has XXXX items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you Experian and XXXX have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. Experian On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.
Product: Credit reporting or other personal consumer reports

ON THIS DATE XX/XX/2023, XXXX IVE ASK THEM TO REMOVE THESE ADRESSES AND THERE STILL THERE, PLEASE HELP ME GET THEM REMOVED. 
XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR CAPITAL ONE ACCT XXXX BALANCE OWED XXXX Capital one im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXX XXXX XXXX  XXXX EMAIL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XX/XX/year> XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX  # XXXX - Opened on XX/XX/XXXX Account Name : XXXX  # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX  - Opened on XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX account needs to be remove from my credit profile because it was identified as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Product: Debt collection

According to the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  it can be presumed that if there is no proof of the alleged debt, then no such debt exists. 

this account needs to be removed and deleted from my consumer report XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not supposed to be reporting on my credit report. In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 

15 USC 1681 section A states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

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

XXXX XXXX services opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same.

According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information.

If after any reinvestigation under paragraph one of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. XXXX XXXX XXXX Equifax really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

In XXXX I applied for a credit card and was denied due to " applicant was deceased. '' Clearly, I am not- and decided to move on without a credit card. In XXXX I applied for a car loan and the loaner was unable to access my credit score and also got the message that I was " XXXX  ''. I then scheduled an appointment with the social security department to see if they knew what was going on, and they informed me that everything was fine on their end. I obtained a letter from them stating that I was in fact XXXX. I sent copies of that letter along with a notarized letter stating that I was alive, with copies of my ID, social security card, and birth certificate to XXXX, Equifax, and XXXX to establish my existence in XX/XX/XXXX. I received a letter from XXXX stating that my Dispute item not listed in credit report and a letter from Equifax confirming the dispute, but had no results to list. I received nothing from XXXX. I have spoken to several representatives from the XXXX credit reporters and all of them have no idea why this is happening and take no accountability. I have spoken to several professionals and they advise a lawyer, but I do not have the means for that. I met with a XXXX XXXX that was able to establish that all three credit reporters do not have my name correct in their systems and XXXX has an incorrect social security number.
Product: Mortgage

I fell behind in payments because our XXXX failed, my husband and I were both XXXX employed and as economy got bad, XXXX business was no longer bringing income. we applied for loan modification a few years ago as we were working and able to start making payments again. I hired an attorney to help with the loan modification but it failed. I was told that my house is not worth the amount of the loan so I ca n't get modified. why was n't I offered a reduction or deferment so I can keep my home. I have enough income to make the mortgage payment.,
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX  XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to XXXX  and Transunion but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I was subject to an adverse action decision by XXXX XXXXXXXX XXXX based in part on information received from Experian. I then applied online with Experian for a copy of my credit report, but was denied. I then wrote to Experian requesting a copy of my credit report. As requested, I included a copy of my adverse action letter, driver license, and most recent bank statement. On XX/XX/18 Experian wrote to me again denying my request for copy of my credit report. I have maintained the same address for 20 years. However, every year for the past 20 years, Experian has denied me access to my free annual credit report without providing additional documentation of my identity and address. Experian 's repeated practice of denying me access to my credit report is unlawful. Experian should be sanctioned for this illegal practice and be required to cease this practice of failing to comply with consumers ' legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian reported an alert on a XXXX  balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX financial. We contacted XXXX and they stated it was sent over right so the error was with Experian. So we filed a dispute with Experian and they removed XXXX but did not remove the late notice. So the action was incomplete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Paragon Revenue Group ) is reporting inaccurate information onto my credit report and it is affecting my credit score in a negative way. The information being reported is a balance that I dont owe and I do have legal representation. I want this issue removed from my credit report immediately. The creditors phone number is XXXX.
Product: Mortgage

I have been trying to sell my home for 4 years now with no happy resolution. My home loan was through XXXX XXXX XXXX who constantly told me they were missing paperwork for my short sale package. My loan was bought by another company, Selene Finance. After they approved my short sale, I had a buyer. We were due to close the selling of the house for months as Selene kept delaying the final paperwork. After six months, the buyers walked away. They, and I were overly frustrated that the closing paperwork kept getting delayed. Here I am, an XXXX service member XXXX and I own a property that I ca n't afford. My credit is taking a huge hit and I 'm overwhelmed with trying to sell my home and support my family.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 6802b and ( c ) - the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

18 USC 1028A - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Toyota Financial Services never sent me a notice or chance to opt out to have my information shared with non affiliated third parties. Neither did they provide a written letter with my original signature to have them share my information with non affiliated third parties. All that was sent from them in their response was a document that I never received that stated they would share my account with non affiliated third parties. 


I would like for this information to be corrected or I will exercise my rights against Toyota Financial services for each consumer law that they are breaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Kia lease off early and they have been reporting me as charged off/judgment for 2 years.

I turned my XXXX XXXX lease in early XX/XX/XXXX the same day we bought my new XXXX XXXX. ( They documented my grounding receipt for XX/XX/XXXX ) The XXXX lease was scheduled to end XX/XX/XXXX. I made a final payment of {$1300.00} on XXXX, XXXX, XXXX to close out the lease thru XX/XX/XXXX. I was waiting for the final statement, taxes etc if any. I tried calling them 2 weeks later and they had no receipt of the car for months. XXXX XXXX XXXX lost the car. 
Finally in XXXX XXXX XXXX I received a letter stating I owed them taxes etc at {$840.00} and I paid that XX/XX/XXXX and received a paid in full letter. 
I only noticed this recently when I was refused a credit card offer and the explanation was due to a charge off on the account. When I called XXXX, the automated system stated I had just made a payment of {$840.00} on XX/XX/XXXX! My last payment to them was on XX/XX/XXXX. 
They are also reporting that I paid monthly from XXXX and made monthly payments. I did not as I paid upfront to end the lease on XX/XX/XXXX and was waiting for the final bill. They are not reporting me as paid early and paid in full. 
The grounding receipt is wrong as I grounded it the same day I bought the XXXX XX/XX/XXXX and NOT XX/XX/XXXX. 
This is costing me money because I can not refinance my home unless this is remedied, this is also causing me emotional stress as I have complained and called the company who does not care to remedy this..
Product: Checking or savings account

I had unauthorized activity occur on my debit card and money was stolen from my account at the ATM. {$1600.00}. i called the bank as soon as i realized i had money missing from my account and they filed a claim for me, and gave me provisional credit. Today XX/XX/2022 my account is now negative because they Reversed the provisional credit and i cant get through to anyone.. this is absolutely unacceptable as i thought my money was protected if it was stolen from me through Regulation E regardless if PIN was used.. Ive never had any issues with US BANK before.. 

My Bank Refuses To Give Me My Money Back
Product: Money transfer, virtual currency, or money service

XXXX were sent out to the wrong person I asked to despite the transaction but it was denied.
Product: Debt collection

I had programmed my automatic monthly discounts, But notice they didn't discount me for two months, I called the comenity bank to find out what happened with the discount, they told me that the automatic pay and They told me that the automatic payment was only for 6 months and that I should call to renew it, I told with the representative of the comenity bank and I explain him that the nobody told me that, However, that day, ( XXXX XX/XX/2021 ) I paid on line {$250.00} and the balance was {$830.00} ( Shown Statement 1A ) The guy told me that my balance almost finish in XXXX because I am paying $ XXXX monthly. 
I was surprised with the new statement, because the comenity bank is charging to me a new balance by {$1.00} plus {$380.00}, ( Shown statement 2A ) once again, I called at the Comenity Bank I told with another representative, and he told me that the new balance include interest by {$350.00} ( more or less ) ; Nevertheless I offered to pay the total amount If he removed form the statement this charged, and I make a request to listen the previously conversation because nobody told me about the new charge. 
He told me that the people in charge of the bank would do that, and after that, the bank bank would call me, but I they never called me By second time, I tried to call to be explained why the case had not been solved. 
Even Worse, they are charging me {$23.00} ( Shown Statement 1B ) in additional interest on the previously {$350.00}. 
I make this public complaint so that Comenity Bank adjusts to what has been agreed with its employees in order to solve it
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/26 morning I tried to use XXXX  in order to pay {$40.00} to my hairdresser. Bank of America put this payment on hold for review. Turn out the bank has NO review team during the weekend and I have to wait 24 hours for this review process. In the mean while there is also no option to cancel it and I was stuck with no payment option in the store. I spent more than half an hour over the phone with the bank and they didn't provide any solution. I expect CFPB to force the bank to have this review team available during all hours that the XXXX is available. This is a common complaint I hear about Bank of Americas and CFPB should take action as the bank is taking advantage of consumers
Product: Credit reporting or other personal consumer reports

A year ago, my student loans were transferred from Nelnet to XXXX. My credit report now shows 4 loans instead of 2, and a loan balance that's twice as much as it should be. I've called Nelnet and XXXX multiple times each, spending hours on hold only to be told by both that it's the other servicers problem. I disputed the erroneous account/balance directly with the credit bureaus, but they changed nothing, and referred me back to the servicer. I asked Nelnet if they could send me a document saying that my account with them was closed so that I could prove to the credit bureaus with another dispute that the account and balance with Nelnet is false- they said no, that they can only issue documents that are approved by the Department of Education XXXX I spoke to XXXX ( again ) the same day and was told that only Nelnet can fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports state no payment made for the month of XX/XX/XXXX. According to banks own records this is not accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My Current Address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX Additionally XXXX I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I have this bank called U.S. Bank and I have a focus prepaid card that I have received from an old employer. I had just gotten a new job a few months ago and normally I receive my payments on time with them but for the past two weeks I have not received my two paychecks in that card. I was told by my bank on XXXX that they were conducting a maintenance system update, which is why a lot of people who used this bank have not had their balances updated received deposits, or have been able to use their cards. They said that the issue would be resolved between XX/XX/XXXX and XX/XX/XXXX but I still have not seen any changes in my balance because my two checks did not go through. I had called the bank two days later in the beginning of XXXX to ask if the maintenance has been resolved and they said that they dont know when it would be resolved. I waited two more weeks to call because I didnt receive another check and they told me that they didnt understand what I was talking about, that Im talking about a system maintenance that happened in XXXX, that there is not system maintenance and that I need to talk to my employer about the issue. My employer told me yesterday that they had emailed my pay provider company and they said my two checks are pending because they didnt go through. The banker on the phone was rude to me and did not help me at all with my issue. I was suppose to receive my checks on XX/XX/XXXX and XX/XX/XXXX. A lot of people have been having issues with this bank playing games with their money and accounts. I hope that this issue gets resolved and that the bank receives consequences for their actions.