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

Accounts for XXXX are reported incorrectly on my credit report DEPT OF ED/XXXX  XXXX XXXX XXXX  Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate information being reported by Prestige Financial Services regarding my auto loan account. According to Prestige Financial, my account is being reported as open, past due, and with late payments. This has affected my credit and bringing my score down XXXX points when Prestige reported on XX/XX/XXXX my account was negative outstanding balance and still open. However, I paid off this loan in full on XX/XX/year>. When I contacted Prestige on XX/XX/year> making them aware of this error. I was told it takes two weeks from the date it was paid XX/XX/year> to receive a letter stating that it was closed. No letter has been received and the account is still reflecting negatively on all three credit bureau reports. 

I have attached documentation showing the final payment made and confirmation from Prestige Financial Services that the loan was settled in full on that date. Despite this, they continue to report the account inaccurately, which is affecting my credit standing. 

I request your assistance in resolving this issue and having the incorrect information removed or corrected on my credit report. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution. 

Sincerely, XXXX XXXX Prestige financial services account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit card or prepaid card

Dear Sir/Madam, I am writing to you to file a complaint regarding my recent purchase from XXXX. On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$620.00}. Unfortunately, when I received the item and attempted to use it, I discovered that it does not turn on at all. 

I promptly submitted a request to return the item, but to my dismay, my request was denied by the company. They stated that I violated their return policy, despite my inability to see any reason for this in the policy itself. 

I then escalated my complaint to my credit card provider, Capital One. However, they also closed my case, stating that the company had delivered the product to me in good condition. 

I am at a loss as to why I am being denied the opportunity to return the defective product. I believe that I have a legitimate claim and should be granted a refund or a replacement. I would appreciate your help in resolving this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

Back in XX/XX/2017 I placed an order at XXXX XXXX online for my daughters clothes. I never received the package and XXXX XXXX was supposed to credit my account ; since I never received or signed for the items I had to repurchase them. 

I have never been credited and they are expecting me to pay for items that I NEVER received. 
They call my phone at least 10 times a day from restricted numbers threatening me that they are taking further action and now they are calling my parents and my aunts and uncles home phones.

This is HARRASSMENT and I want it to stop!!!!!!!!!!!!!
Product: Mortgage

I have a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX that is serviced through Midwest Loan Services. My loan was closed out on XXXX of XXXX. I have been in touch with them XXXX or 4 times about my escrow funds and have been told XXXX or XXXX different things about when I will receive my escrow funds. As of XX/XX/1922 business days I still have not received my funds. They have no tracking or check number of when or if they will arrive.
Product: Debt collection

I went to look at my credit file and discovered that there were accounts hard inquiries and some accounts were opened from someone attempting to get an account opened in my name and ultimately did get some credit card accounts opened in my name.

I have reached out to these creditors many times and they still have not helped me. I've also reached out to all three bureuas and they have not helped me neither. So now im reaching out to this institution so that this problem can be fixed as it has affected my life horribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to update the account status and balance. They confirmed that all was settled and paid in full. However, my credit report is still showing the wrong account status and balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bank, XXXX XXXX XXXX, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts UPDATED and CORRECTED for once : XXXX XXXX, XXXX XXXX XXXX
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 Account Number : XXXX and 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 XXXX 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: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed there were hard inquiries that are not mine on there.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IMPORTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with XXXX and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documentsXXXX and Experian would not allow me to process a dispute for these hard inquiries.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX that was charged off in XX/XX/XXXX so card was closed and I had no access to spending as of then. Now XX/XX/XXXX I noticed an update on my credit report that around {$2000.00} were added on to the amount that was charged off. I already submitted a dispute with Experian regarding my concern with possible fraud or identity theft but the dispute outcome was my credit report unchanged. I spoke to both XXXX XXXX and the third party debt collector that my account was sent to but neither company was able to explain where the additional XXXX dollars came from or why this adjustment was made on my credit report. All I was offered by the third party debt collector were statement for the year of XXXX up until XXXX since that is when the card was charged off and access to spending was relinquished. Which does not resolve anything being as the new charge is from XX/XX/XXXX. It has been XXXX weeks since I spoke to the third party collector and I have yet to receive anything from them.
Product: Debt collection

On XXXX XXXX, XXXX, GENESIS CREDIT MANAGEMENT added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, GENESIS CREDIT MANAGEMENT has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the report because the vehicle was reposed for XXXX missed payments, but now they are reporting I have 14 missed payments when that is not the case and my now ex-wife and I had signed paperwork through the loan office that was accepted by Santander Consumer USA to defer payments to the end of the loan. The information is incorrect on my credit report and I do not have 14 missed payments nor do I have the vehicle anymore.
Product: Debt collection

My family is currently experiencing financial hardship and we are working very hard to keep up with current bills, past due bills, etc. Discover Financial has recently contacted my past employer and I feel that this is highly inappropriate. - This happened a few years ago, when it was n't even an actual debt, more like a misunderstanding with a loan I had paid off, and now that I 'm having actual financial difficulties, they are trying to reach me by contacting people I have n't worked with or seen in years. I would like to file a complaint about this debt collection practice. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX in regard to the paramount account resulting from identity theft since the beginning of XXXX. I previously filed a complaint with the consumer financial protection bureau against XXXX  and paramount recovery in which paramount stated that they have closed that fraudulent account and requested it to be removed. I am filing a new complaint because both transition are violating my rights under the fair credit reporting act. This account with the account # XXXX needs to be blocked and removed from my credit report. This is my last attempt before I file a lawsuit against XXXX to pay for all the financial damages this ongoing problem has caused. 


Due to FCRA 605B ( 15 U.S.C. 1681c-2 ) - Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

due to 15 U.S. Code 6802, 1681a, and 1681o - Me being the consumer has stated previously that this account is a result of identity theft therefore I was never given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. This account is in violations of both 15 U.S. Code 6802 and 1681a and it needs to be removed or because of 15 U.S Code 1681o I will have the right to sue for the financial damages that these violations have caused. 

Due to 15 USC 1681 section 604 A Section 2 : - It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experion, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report and credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have disputed a late payment with Citibank on a credit card, and neither the credit bureaus nor Citibank took my complaint seriously. Citibank reports XXXX late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged fraudulent Inquiries and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

Fraudulent Inquiry 1 : XXXX Fraudulent Inquiry Date XXXX : XXXX XXXX, XXXX Fraudulent Inquiry 2 : XXXX XXXX., XXXX XXXX Fraudulent Inquiry Date XXXX : XX/XX/XXXX Fraudulent Inquiry 3 : XXXX , XXXX. 
Fraudulent Inquiry Date 3 : XXXX XXXX, XXXX Fraudulent Inquiry 4 : XXXX Fraudulent Inquiry Date 4 : XXXX XXXX, XXXX
Product: Mortgage

I have been trying to get a loan modification from Wells Fargo and it has been a nightmare. They have done everything in their power to keep me from applying for a modification. They said that first I need to do a forbearance for four months. Now they are pushing me to do a short sale. I have payments made to Wells Fargo that have gone unreported. Then they gave me another address to send my payments to. I did that before the due date and they tried to tell me that they did not get it until late. They request paperwork that I have sent them over and over again. Then they assign me to another person after a while and they start the whole process again. My account is a XXXX ACCOUNT. PLEASE HELP ME!!!!!
Product: Checking or savings account

I have been the victim of identity theft and have evidence to show this.
Product: Money transfer, virtual currency, or money service

So about 3 weeks ago my account was totally wiped all funds are out of my wallet and which was a cash app wallet. I sent rounded up XXXX XXXX  and I was going through issues trying to contact cash app and ask for help I was rudely turned down I have screenshots and more for prove. Then all of a sudden my account was at XXXX XXXX I was trying to get my wallet phrase from cash app they denied me so my funds should have stood on the block chain and they disappeared the only other conclusion would be just cash app! Because they only had access to my cash wallet then my cash wallet address changed with out notification. So who ever on cash apps end stole my funds changed my whole wallet address which I also had pending funds that were going to arrive. I keep asking for help and I Recive none! they wont even reply to my messages now!
Product: Debt collection

My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name.
Product: Checking or savings account

I was notified by Suntrust ( Truist ) on XX/XX/XXXX that there was unauthorized access to my account. Fraudulent checks and withdrawals were used to take money out of my checking account. The bank stated they were investigating ( XXXX number XXXX XXXX ) however they refuse to return phone calls or provide a status of when they will be returning my money. I have called every XXXX weeks since XXXX with their response being " Call back in XXXX weeks '' I am on a fixed income and I believe they are trying to steal my retirement money. The bank has cameras all around and should be able to easily identify and arrest who committed this crime. These withdrawals happened in a different state from where I live.
Product: Debt collection

I was sent a collection debt by " medical data systems '', in the mail on or around about XX/XX/2021. I then sent a debt verification letter on XX/XX/2021 by certified mail to the debt collector to please verify that the debt was legally mine within 30 days or to remove the debt. I have received no verification letter to date, but the debt is still on my credit report. I am asking the cfpb to investigate. I have also been receiving harrassing phone calls almost on a daily basis. I don't know how they got my cell number.
Product: Mortgage

My required monthly payment is {$1800.00}. I sent a check for {$2000.00}, which my servicer, Carrington Mortgage Services received on XX/XX/2019. However, Carrington is refusing this payment. Is there a way to require them to accept the payment I made?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX $