23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was denied credit and I pulled my credit reports to find that I had 3 accounts in collections that appeared to be identity theft. I filed an identity theft claim and immediately began contacting the 3 collection agencies. The first two did not give me any run around regarding the affidavits however, Enhanced Recovery ( ERC XXXX first told me my wife that they would be deleting the account but on the XXXX of XXXX, my wife contacted them to get their affidavit sent again. She spoke with XXXX XXXX and he said the account would not be deleted and that she would have to file the affidavit. It is now the XXXX of XXXX and still no affidavit. My financial counselor called ERCand spoke with XXXX XXXX and he refused to send the affidavit out via email or fax. He said he would resend the affidavit via mail. 

I am trying to purchase a home and this incorrect collection account is standing in the way. 

The ERC account number is XXXX. The original lender is XXXX XXXX number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. I feel like they are taking advantage of me and are ignoring my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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 checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Please update this account : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Received a letter of " Understnading FNMA Enhancements. '' I did call, the gentleman identified himself as XXXX. Said he was not at his computer and asked if I could call back in an half hour. I said sure. After Googling the Company, I understand this is a fradulent letter and company scam. They are listed as " The Morgage Link, Inc. XXXX @ XXXX '' no other information is identified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 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
Product: Mortgage

I had went thru bankruptcy. And then was ok but seriously almost death 2 XXXX  I became XXXX fell behind ended up haven't to stop paying the super 12 % interest citi mortgage as was focused on trying to save home as chase was foreclosure in process ok so get chase to modify some then had reached out in XXXX  to citi bank to start paying some how to fix the mess and was told 2 different times ( my wife made me call 2nd time to hear what was said ) but at that time I was told loan had been charged off ..and there was no department to talk to ... so here I am thinking ok ..presents from XXXX ... ... .by my calculations I had in 10 yrs of being trapped in this loan 12 percent paid them XXXX which is XXXX over the original mortgage amount I taught ok great they wrote it off on tax or something but now trying to refinance home to get lower rate from 8 to 3.25 ... .well citi bank comes up as a lein I tried to set up something to fix this and they told me a dream lie. ... predatory Leander 12 percent fast talking sales got me roped into this mess. So I not happy now I more likely can't get refinance. And they have made profit of XXXX above already. Help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
Chase Auto Finance XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting

TransUnion are liars, XXXX gave me a letter that they sent TransUnion weeks ago and was told to delete this 30 day late payment, They need to be investigated and fined and exposed
Product: Checking or savings account

Cash App offers banking services, but there is no way to contact a live person ( no telephone number ) when there is fraud. I have had a bank account fraudulently opened in my name with Cash App. I received a debit card for it in the mail, but I did NOT open this account. Starting on XX/XX/XXXX, I have sent MANY email messages to Cash App, but I have only had one email back from them ( on XX/XX/XXXX which I promptly responded to ), and there has still been NO resolution to my knowledge. And it has been days since I first reached out. I have emailed back every day, and still NO further response. The person who opened my account fraudulently can be out there doing who knows what in my name! Please note that I have had other bank accounts at other banks opened fraudulently recently as well and I have been able to call a 1-800 number and get someone on the line & they have been able to close the account right away, start a fraud investigation right away, etc. Cash App should not be able to offer banking services if they are not able to provide immediate customer phone support for issues like this.
Product: Credit reporting or other personal consumer reports

There is an account on my credit profile that was created in fraud. I have asked the XXXX XXXX XXXX XXXX and all 3 credit reporting agencies to remove the account from my report at once. I have also asked to see the original contract with all wet signatures included. I asked for all of the signatures to be clear and legible. All 3 credit reporting agencies replied and stated they finished their investigation and replied that everything is valid without sending the information that I asked for. This account is fraudulent and should not be listed on any reporting that has to do with me or the social security number attached to me. Once again this false and inaccurate information is causing me to be denied for things that I need and is causing me a great deal of stress. My XXXX XXXX is up and causing me to miss days of work. There are multiple FCRA and FDCPA and UCC violations. 15 U.S.C 1681, 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ) ( 1 ), 15 U.S.C 1681li ( a ) ( 1 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692d, UCC 9-210 , UCC 1-308, UCC 9-625.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card account was opened with XXXX XXXX Bank on XX/XX/XXXX. I tried calling to dispute the issue and I disputed it twice with the credit bureau. Instead of removing the account, they responded to the dispute as being an accurate account eventjhough it has been disputed as XXXX and not my account. XXXX XXXX continued to report late payments and on XX/XX/XXXX the account was marked as charge off on my credit report. This has negatively impacted my credit report. XXXX   XXXX is aware that I did not open this account and refuses to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of unauthorized accounts on my credit report. I am a victim of a data breach that resulted in the compromise of my personal information, and I did not authorize these accounts. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : XXXX Accounts : XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$710.00}
Product: Debt collection

As of today,  XXXX   XXXX ,    2017, we are still being called by a collection agency called Portfolio Recovery.  They were collecting on an old credit card debt. My husband, in  XXXX  of this year, made an agreement with them to pay them {$250.00} total and the debt would be paid off. Our complaint is that they are still calling us for collection!
Product: Credit reporting or other personal consumer reports

I recently checked my credit because Im in the process of trying to rent a new apartment and was shocked to find that I was a victim of identity theft.
Product: Student loan

My personal and financial information was compromised without my authorization.The DOGE staff have gained access to the U.S. Department of Education 's systems, which contained my personal data. Under the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. I did not consent to having our personal information shared with an unelected and non-Congressional approved entity.
Product: Mortgage

I received an escrow analysis statement last week that said my mortgage would increase $ XXXX. due to an escrow shortage. The letter does not explain what's amiss, but it shows a projected bi-annual payment of {$5100.00} and {$430.00} for XXXX. I have a Homestead exemption, which decreases the annual amount significantly. For example, my latest bi-annual tax bill is for {$430.00}, and my Homestead exemption decreases my annual taxes by {$620.00}. The total taxes on my property for XXXX is {$1300.00}. So, even if I had no exemption, {$5100.00} is nearly than FOUR TIMES what I would owe. No one has been able to explain this. 

I've made three calls in the last three business days ; I spoke with XXXX  twice ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) once. I sent them my latest tax bill, which I'm sure they already have. Neither has been able to explain why my payment is increasing drastically or how what I owe and paid in taxes is so different than what's in their analysis, but they've said on each call that they will escalate the matter and I should receive a call within 24 - 72 hours. What's more, XXXX said he hadn't seen that XXXX escalated the matter, so he would escalate it himself. That's the THIRD escalation in three business days ... with no assignment, phone call, or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account needs to be deleted and blocked from my Experian credit report because it is fraudulent. 

XXXX  XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

This company reflects this debt as inaccurate. It shows as open debt when it is not open and I have never had a contract with XXXX XXXX XXXX. The credit reporting agencies are constantly reporting this in error, which is a violation of FCRA. 

In addituon, XXXX XXXX has yet to provide proof of the required surety bond needed to collect in the state if Texas per the Texaa Finance code. I am requesting this information within 10 business days. This company is headquartered out of XXXX. The credit reporting agencies are in  violation of the Texas Finance code for allowing this debt without the proper surety bond per my state of residence.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXX. Account XXXX : XXXX XXXX {$1600.00} XXXX date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Credit reporting or other personal consumer reports

Capitalone credit card was opened XXXX and it was closed by them on XXXX since than I have requested to remove for my credit report cause frauds charges and fees and so they keep it open until XXXX this year or last year by saying it was still opened and the last payment was made on XX/XX/XXXX and I was out of the country since XXXX to XX/XX/XXXXXXXX XXXX stuck during the covid 19 and everytime I ask credit report to dispute it they don't want to it's be close over 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Equifax claim that they have completed my dispute : I disagree with the account listed below which still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. This inaccuracy are highly injurious to my credit score : Dept of Education 1855. I have sent proof of this and it is still on my report.. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Consumer Loan

I purchased a vehicle from XXXX using their in-house financing, XXXX XXXX XXXX in XXXX, TN. I paid {$1000.00} cash down, and then they asked for additional XXXX deferred down payment, making a total payment of {$2000.00} down. I was told the warranty was included with the vehicle, but from the contract, I was in fact charged for this. Moving beyond this issue, there were several issues with the car, including the engine needing replaced after only XXXX miles. At this point, we came to an agreement to return the car to the dealership, return {$750.00} of what I had paid so far ( they kept {$750.00}, which they called a restocking fee, even though XXXX stated the restock fee was {$250.00} ). I went to the dealership where my original salesperson, XXXX, gave me a check for the {$750.00}. I brought my copy of the contract so they could stamp it VOID and I would have proof of the contract being cancelled. I was referred to XXXX, in the Mountain Acceptance arm of the business, where at that point I was advised by her that the cashed check was proof enough and refused to void the copy of the contract I had. At this point, I cashed the check against their own bank XXXX, so obviously a cashed check would not provide any proof for me since they have access to that, not me. Now today, XXXX/XXXX/17 I am attempting to get a new auto loan. I was advised by the new creditor that I need something in written, a voided contract or a notice of cancellation on letterheard, showing the loan was closed/cancelled, in positive standing. I called Mountain Acceptance, where I spoke to XXXX and she advised they do not do that, I need to speak to the sales dept. I was transferred to the manager of the lot, XXXX, who advised he does not have to provide anything in writing to me. He then backtracked, and said I need to send him a written request for proof the loan is closed/cancelled, and he then has 30 days to complete the request. I called back to Mountain Acceptance to try there again, but each time I was transferred to the " Manager '' who consistently hung up the call every time I was transferred. At this point, I am not sure where to turn. I do not have the car, they kept half of the money I paid for a voided contract, and now I can not even get a letter or notice to show the car was returned, the contact closed, and no negative reporting. Please help!!!
Product: Bank account or service

I am in the process of buying a home and will be making several high debit charges for money orders and certified checks. I contacted Ally to increase my debit card balance. I was told by a representative that a request would have to be submitted and that the review takes 3 business days. Also, I was told that this increase would be temporary and that the debit card increase, if approved, would only last 3 days. This is problematic because the XXXX debit will be 7 days away from the XXXX debit. This policy will likely result in me not having access to my funds and will delay my closing which in turn will cost additional expenses for me.