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

XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account.

2 ) Closed Date is all wrong between all 3 bureaus. 
Trans Union Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
XXXX does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

XXXX ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for XXXX. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not XXXX XXXX XXXX XXXX
Product: Debt collection

Oliver adjustment company is taking to collect a set of {$1700.00} and {$670.00}, I do not know what this is for or from what original company. I want to note that under the doctrine of estoppel by silence, Englehardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. I have disputed with the credit bureaus multiple occasions. I am requesting proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mines
Product: Credit card or prepaid card

I called Comenity Bank at the end of XXXX about fraudulent charges on my account. They transferred the account to a new account and sent me a new card. I noticed on XX/XX/XXXX that I had not received the card. I called Comenity Bank, and they said I should have received the card by now. The representative said she had to ask me some security questions. She asked me for a previous address, and I got the wrong zip code. I asked for a supervisor, and she asked more questions, and she said I needed to send in some documents to have a card sent to me. I wondered why they didn't ask for records or questions when I called in to transfer the card.
Product: Debt collection

I received XXXX phone calls in 4 days. I have already spoken with them on XXXX. I explained I was facing a financial hardship and steps have been taken to resolve the issue. What else do I need to do?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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: Consumer Loan

leased a XXXX VW jetta and several months later was victim of Hurricane XXXX and made to evacuate my home located XXXX XXXX XXXX XXXX XXXX. My spouse and I traveled to XXXX and made a total of six tries to return to our townhouse to view damages, we were not allowed. I informed VW at sometime during the chaos of our dilemma and was informed that the company was aware of the disaster and not to worry just take care of myself and family. It was brought to my attention my VW in XXXX that the lease was ending and that there would be additional costs reverberating to the end of the lease I informed VW that I could not afford further monies due to a XXXX in XXXX that prevented me from working. We agreed that to return the car to VW would be in both our " best '' interest and thus with a " heavy '' heart I returned the vehicle in XXXX of XXXX. I recieved a letter dated XXXX XXXX, XXXX ( Over three years later ) stating that I owed {$10.00}, XXXX. I called and was informed that this was due to mileage, wear and tear on the vehicle. I informed her about the conversation that transpired in XXXX during Hurricane XXXX evacuation as well as the lease was a " four-year '' term and it concurred " normal '' wear and tear! The agent sent me to XXXX other people because there were absolutely " no '' records besides " payment arrangements '' on my records! It is ludicrous to charge me such an " outrageous '' amount sent to XXXX XXXX in the amount of {$19000.00} ( high balance ) that is " double '' the price of the vehicle. VW received ( in payment ) an approximate amount of {$18000.00} throughout the lease. I do not believe that I should be listed in the credit bureau for a charge off of {$12000.00}!
Product: Bank account or service

Chase bank allowed an unauthorized withdrawl from a 3rd party representing themselves as me of over {$6500.00} from my checking accounts despite multiple egregious and obvious errors in documentation ( deposit slip had XXXX different misspellings of my name, transaction occurred in a state which I have never banked ). Furthermore, despite an initial attempt that was thwarted ( a bank associate attempted to contact me but it was days before my wedding so i was unavailable ) but failed to make any notation of the account and the 3rd party went to a separate branch and completed the transaction. Chase refused to initiate an investigation until I signed an affadavit ( which delayed the start 3 days as I was again getting married and not near a chase branch ) and has gone 12 business days with no contact or action ( despite a claim of an already absurd 10 business day turn around ). Chase 's verification and consumer protection processes in the branches are clearly insufficient and create significant risk to consumers. Furthermore, Chase expects customers to be able to absorb a financial impact of this size for a period of nearly a month with no recognition of the impact on their day to day lives a loss or communication as to the status of the claim along the way.
Product: Credit reporting or other personal consumer reports

I submitted a complaint regarding unauthorized HARD INQUIRIES ON MY CREDIT REPORT ON XX/XX/XXXX through the CFPB FILE # XXXX TRANSUNION responded on XX/XX/XXXX stating that they are working on the issue and I never received an updated results.They have requested for me to send verification through mail which I have mailed back to them XXXX I called them and spoke to an agent named XXXX and they have confirmed that they have received it and that they will delete them, they have not deleted them. These hard/unauthorized inquiries are stopping me from obtain a mortgage loan and I am requesting for transunion to make the proper Steps to delete these hard fraudulent inquiries off my report. Please see attached documents INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You said that these accounts has been verified and the item belongs to me : 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 XXXXXXXX. Again you have not provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that these accounts be immediately Deleted from my credit file. You stated that you have completed your investigation, including contacting the furnisher of the information, where applicable. You haven't provided me any original documentation bearing my signature from any furnisher. So therefore you haven't done any thorough verified investigation. Please reinvestigate these accounts listed and provide me documentation bearing my signature from the original furnisher and not a XXXX agency. If you can't provide any documetations bearing my signature then DELETE all accounts listed. You have stated that these accounts were verified but how is that possible if you did not do a proper investigation according to the LAW. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. If no action has not been taken of my request I will contact my lawyer as a result in small claims action against your company, seeking {$1000.00} per violation for XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I called USAA today XX/XX/ to dispute a banking transaction. The bank refused to allow me to dispute the transaction because the payment, which cleared yesterday, was moved to a pending status. Bank would not file dispute for the transaction or provisionally credit my account.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the reporting of fraudulent inquiries by TransUnion on my credit report. Upon reviewing my credit report, I have discovered several inquiries that I did not authorize nor recognize. These inquiries are clearly indicative of fraudulent activity and are jeopardizing my financial security. 

Despite my repeated attempts to resolve this matter directly with TransUnion, they have failed to take appropriate action to remove these fraudulent inquiries from my credit report. I have provided evidence of the unauthorized nature of these inquiries, yet TransUnion has been unresponsive and negligent in addressing this issue promptly. 

As a consumer, I rely on accurate and reliable credit reporting to maintain my financial standing and protect myself from fraudulent activity. The presence of these unauthorized inquiries not only damages my credit score but also raises serious concerns about the integrity of TransUnions reporting practices. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and compel TransUnion to immediately delete the fraudulent inquiries from my credit report. Additionally, I request that TransUnion be held accountable for their failure to address this issue in a timely and appropriate manner. 

I have enclosed copies of my credit report highlighting the fraudulent inquiries, as well as any supporting documentation related to this matter for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately safeguard my credit data against computer hacking, along with another 160 million people 's. Then the company execs try to cash out before the news comes out?
Product: Mortgage

My loan transferred to Carrington Mortgage Services on XX/XX/XXXX. I have had problems ever since. On XX/XX/XXXX I went to the Carrington website to schedule a mortgage payment. I inadvertently scheduled this payment on the wrong checking account. I have several problems with the system they use to collect payments. 1 there is no option to verify your payment before you complete the transaction. You put the checking account info in and boom the payment is complete. After noting my error, i.e. scheduling a payment on the wrong account ( the account with no money in it ) I called Carrington to inquire on how to delete a payment. The customer service rep told me there was no option on the website to delete a payment. I then explained the situation to the rep. She placed me on hold for two minutes then returned to the call and advised me there was no way to delete the payment. The payment was gone from the system and on its way to my bank. I explained to her I set the payment up five minutes again. She replied and told me the draft ever hour and there was nothing she could do. I told her the payment would over draft this account and cause NSF fees. Please delete the payment she transferred me to a Sr Customer Service Rep of XXXX. I explained the aforementioned sinaro to XXXX and asked her to please delete the payment. She told me the payment was gone and call my bank to place a stop payment on the bank. I told her I did not want a {$50.00}. stop payment fee. She told me that my only option then hung up. These types of servicers using these types of systems create a hardship on consumers. There should never be a situation where you can not correct a mistake. This payment processing software or company is using punitive practices on their mortgage customers. These types of process and practices create an undue hardship on its borrowers. Now Im faced with NSF fees because of how Carrington choose to process payments. I want them to cover my NSF fee and fix their software and allow customers the option to edit or delete and redraft a payment as to not create a hardship on the borrower. Also my bank told me the payment was an EFT and not a check. Its more difficult to place a stop payment on a EFT. This is horrible and must be corrected asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the account below. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

( XXXX XXXX XXXXXXXX )
Product: Debt collection

I called the following collection agencies regarding the accounts on my credit report. collection accounts un LVNV, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX are reflecting Open and showing past due balances. I also have documentation from LVNV - Resurgent charging interest on account that should be closed due to write offs from original lenders.
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union Customer Service, I am writing to formally dispute the reporting of late payments on the following Navy Federal Credit Union accounts : 1. **Account Number : ** XXXX - **Dates of Late Payments : ** XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 2. **Account Number : ** XXXX - **Dates of Late Payments : ** XXXX XX/XX/XXXX I believe this information is inaccurate and is causing substantial harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information to the credit bureaus. By continuing to report these late payments, you are in violation of the following FCRA provisions : 1. ** 1681s-2 ( a ) ( 1 ) ( A ) ** Duty of furnishers of information to provide accurate information. 
2. ** 1681i ( a ) ** Procedure in case of disputed accuracy.

The continued reporting of these inaccuracies has significantly damaged my credit score, affecting my ability to secure loans and resulting in financial loss. If these errors are not corrected, I will have no choice but to seek legal recourse.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I brought a vehicle XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXXXXXX XXXX, and financed an amount of {$23000.00} with Nissan Finance ( 7.87 percent interest rate ). I didnt pickup the car on the same day, because I had to leave on the next day to XXXX XXXX XXXX XXXX  training. About a week later, my mom went to pick up the car. She and my uncle found out that the car had XXXX miles already. The car dealer didnt even mention that when I signed the contract. They didnt pick up the car but the car dealer didnt cancel my loan contract either. I didnt realize that the car dealer didnt cancel my contract until two months later after my XXXX XXXX training. I found out that my credit score dropped very low because of this car loan, and didnt receive any notice about that I had to pay for the loan. I called the loan company, and they told me if I want to cancel this loan I have to talk to the car dealer. Then I called the car dealer, they told me to call the loan company. They kept pushing me to each other and didnt help me solve my problem. I went to talk to the car dealer face to face on XX/XX/XXXX. I was trying to get them to at least change the car, but it couldnt be achieved based on my low credit score. I waited for a whole day and didnt get any solution. They didnt even call me for any update after that day. On XX/XX/XXXX, I went to the car dealer again, they couldnt help me with any thing, I had nothing to do but to pick up the car and start paying for the loan.
Product: Debt collection

A hospital in XXXX NY ( XXXX ) was trying to collect on a bill that was already paid. I never received a bill for {$280.00} from the hospital itself but was notified by a debt collector.
Product: Credit reporting or other personal consumer reports

I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian 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

I was injured at work in XXXX and I was exposed to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All this was workers compensation, workers injury. It's illegal to bill a worker if the injury is work related this law is found in California section 3751B. They are aware this was injury at work. I was billed illegally and they have been sent to collections. I have already disputed these inquires with the credit bureaus and they still are billing me. Protection from surprise medical bills This means consumers with health insurance generally wont be responsible for balance bills or out-of-network cost-sharing. If it passes the statues of limitation they shouldn't bill me. 
Deleted illegitimate collection ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$80000.00} ) This item was Deleted from my credit thank you ; However this same company also made a total of 3 Hard Inquires as a XXXX XXXX XXXX on my credit report on ( XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX I am requesting once again that these HARD INQUIRY COLLECTION AGENCY items also be removed from my credit report since they should not be on there. 
Sincerely, XXXX XXXX
Product: Mortgage

rocket mortgage sent me a packet saying I was approved for {$98000.00}. I went to court for divorce, waived all my rights to a trial, took the deal from ex to get the house because I believed I was able to get the mortgage. got home, called them to start application process and was told I did not qualify. nothing in the packet said I did not qualify. my attorney looked it over and thought it looked good as well. I was so upset.
Product: Credit card

I called the company reflected as AMEX/CBNA to clear my record in my 3 credit bureaus, with the help of our XXXX XXXX XXXX , i was able to reach the company Macy 's Card Citibank , the company representative denied any records of mine that i owe them {$550.00}. This is an error and I need your help for us to move forward in our refinance of our residential home. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the attached letter was sent to TransUnion. The letter indicates a dispute which has since been resolved with the original creditor and a request for a freeze. On XX/XX/2021, an inquiry appeared on my TransUnion report despite my request for a freeze and sufficient verification. TransUnion has violated FCRA by not honoring my freeze request when XXXX  and XXXX did.
Product: Credit reporting or other personal consumer reports

I contacted Ford Motor Credit concerning fraud accounts and they haven't sent no proof. I will attach disputed inquires from the day the credit was pulled from FMC and XXXX Ford showing I warned them concerning the inquires were fraud. I have attached the my NC XXXX XXXX FILE. Shows no Ford Vehicles at all.