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

I am writing to dispute and request the correction of inaccurate address information on my credit report. The addresses listed do not accurately reflect my residential history, and I request that the incorrect information be updated accordingly. 

Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX 
XXXX, XXXX Previous Addresses : XXXX XXXX XXXXXXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX Issue : The addresses listed on my credit report contain inaccuracies, including addresses where I have never resided or addresses with incorrect formatting. These inaccuracies could potentially affect my creditworthiness and the accuracy of my credit report. 

Requested Action : I request to conduct a thorough investigation into the inaccurate address information listed on my credit report and make the necessary corrections to ensure that only accurate and verified addresses are reported. 

Furthermore, I request that any addresses that do not belong to me or are incorrectly formatted be removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave ( Bureau name ) any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached. 

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXXXXXX XXXX are reporting me late when Im not.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting my account as charged-off and closed, yet it continues to display the account as having an unpaid balance of {$2800.00} and a delinquent status on my credit reports with XXXX, XXXX, and Experian. This reporting is misleading and inconsistent with the legal definition of a charged-off debt. Additionally, XXXX has refused to issue a Form 1099-C to document the cancellation of this debt, further complicating the situation. 

I filed a prior complaint ( XXXX ) with the CFPB about similar issues, but the investigation appears to have been incomplete. XXXX continues to report inaccurate information, despite my requests for correction under the Fair Credit Reporting Act ( FCRA ). 

Actions I have taken : Contacted XXXX directly to dispute the accounts inaccurate status, including their refusal to issue a Form 1099-C. 
Filed a previous complaint with the CFPB regarding this account. 
Actions taken by XXXX : Refused to issue a Form 1099-C while still reporting the debt as charged off. 
Continued to report an unpaid balance and delinquent status on my credit report. 
This inaccurate reporting has significantly harmed my credit and financial standing, and I believe it violates both FCRA accuracy standards and 26 U.S. Code 6050P, which governs the reporting of canceled debts. 

I respectfully request a thorough investigation of this issue, as I believe the previous investigation did not fully address these concerns or result in a fair resolution.
Product: Vehicle loan or lease

On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX. 

I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services. 

However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX. 

Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper. 

XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation. 

Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation. 

A full and complete complaint, with exhibits, is attached.
Product: Credit reporting

To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX XXXX CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. 

PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,
Product: Mortgage

Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian, XXXX, and XXXX a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.
Product: Credit reporting

The compliant number is XXXX that I have not had a responce on. 
This is not a duplicate, I 'm asking for TransUnion to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as they mite seem to think I 'm asking. They have not respond to the first complaint submitted yet. I 'm sending this so I can spell it out as clearly as I can. I want late payments removed from account..
Product: Credit card or prepaid card

I have requested a credit increase on multiple cards and never received it. On XXXX XXXX, 2021 I received a letter stating that Ive reached navy federal maximum unsecured limit, which is not true, I reached out to the bank personally and they offered no information as to why, when I could get one or what is going on.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2020 I tried using Venmo to send {$180.00} to a friend but it said XXXX would not allow my bank to link accounts.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, and my phone number is ( XXXX ) XXXX. 

The following email contact XXXX XXXX XXXX with the phone number XXXX needs to be reported as fraudulent. 

They posted an ad on XXXX for a golden retriever puppy, and we emailed them about it on XX/XX/XXXX using the email XXXX. 

XX/XX/XXXX we received a reply through XXXX that they wanted to get the puppy to us ASAP, and all we had to do was pay {$300.00} to the shipping company, XXXX XXXX XXXX XXXX. We got suspicious when the began to tell us we had to " hurry '' to get them the money, and through PayPal under my email, XXXX XXXX XXXX XXXX, I sent it as a business transaction. They told us we must not send it as a business transaction on PayPal but for " Family and Friends ''. They continued to tell us we needed to rush, and the emails they sent had very incorrect grammar and structure, so we got suspicious. They then told us that the puppy, flying in from CA, would be there by XXXX when we were talking to them at XXXX in GA with the package weighing only XXXX for a XXXX week old puppy. From there, we did not send the money again because we realized this was a scam. We need to get our money back and make sure the " Business '' transaction does NOT go through via PayPal.
Product: Credit card or prepaid card

I am on XXXX XXXX orders with the XXXX XXXX. On XXXX XXXX, I booked a hotel through Chase Rewards Travel, itinerary XXXX, for XXXX ( {$150.00} ), for my significant other to attend my XXXX graduation at XXXX XXXX  XXXX, XXXX ( XXXX ), on XXXX XXXX. On XXXX XXXX, I learned that all travel to or from XXXX was prohibited by my commanding officer, which will prevent me or my significant other from using the hotel reservation. The commanding officer 's letter is attached. I would like to cancel my reservation. Unfortunately, I have attempted to contact Chase travel more than a dozen times between XXXX XXXX, always unsuccessfully. I have never reached a person before the automated system hung up on me. I have called and XXXX   Chase support, but have been told there is no recourse besides contacting travel -- which, again, I have been unable to do. I have paid for annual travel protections with Chase, but Chase is not honoring my payment for these protections.
Product: Debt collection

Opened an account with XXXX XXXX while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank XXXX XXXX XXXX XX/XX/XXXX. No other purchases were made on this account. Received a statement from XXXX showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted XXXX and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and XXXX XXXX XXXX was negatively impacting my credit as well another account that I had with XXXX XXXX for my XXXX XXXX account was directly negatively impacted. I received letters from XXXX XXXX informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and XXXX XXXX  both holding their positions. XXXX maintaining that the payment was made and accepted by XXXX and XXXX maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from ARS National Services indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from ARS stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. At this point I am not sure who is at fault, XXXX or XXXX however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
Product: Debt collection

Failure to Notify Reinsertion as Required by 15 U.S. Code 1681i ( ii ) Dear Experian, I am writing to address a significant issue concerning the reinsertion of previously deleted information on my credit report, as outlined in 15 U.S. Code 1681i ( ii ). Attached is proof of this reinsertion. I discovered that certain disputed information, previously deleted under the Fair Credit Reporting Act ( FCRA ), has been reinserted into my credit report without any prior notification. This omission directly violates 15 U.S. Code 1681i ( ii ), which mandates notifying consumers within five business days of reinsertion. Please see attachment of PROOF of previous deletion for the following account. I have previously filed a CFPB complaint on XX/XX/2023 and have not received a response. I have previously looked at my credit report and the account was recently added once again.
Product: Credit card

This is a follow-up to case # XXXX. 
Fraudulently Opened Wayfair Credit Card Account # XXXX XXXX XXXX XXXX through Citibank ( CBNA ) on XX/XX/XXXX. An order # XXXX of {$2300.00} - XXXX cookware was reportedly shipped to my address in XXXX XXXX , CA on XX/XX/XXXX. 
I contacted Wayfair on XX/XX/XXXXXXXX  talked to XXXX in Customer Relations who said she'd send the complaint to their fraud dept and they would contact me. They did not contact me, but sent a letter dated XX/XX/XXXXXXXX  stating their investigation did not support my claim. I again contacted Wayfair on XX/XX/XXXXXXXX  and talked with XXXX in Security/Fraud Dept. She said they would do a proper investigation and contact me to interview me regarding the identity theft. They never contacted me, but again sent the same letter, this one dated XX/XX/XXXX, stating their investigation did not support my claim. 
I then filed a complaint on XX/XX/XXXXXXXX  with you, the FTC CFPB # XXXX. In addition I filed an identity theft report with the XXXX XXXX Police Department. The case number DR # XXXX, a copy of which can be obtained by contacting the XXXX XXXX Police Departments Records Bureau at XXXX, XXXX XXXX. Lastly, I was assigned XXXX XXXXXXXX XXXX  XXXX restoration specialist, XXXX XXXX, on XX/XX/XXXXXXXX  to help resolve this identity fraud dispute. 
Citi Bank/Wayfair investigation , sent a letter dated XX/XX/XXXXXXXX  with regards to my first CFPB Case # XXXX stating that Wayfair 's investigation is complete and I am responsible. The letter provided information and documentation I had not been given before, including the XXXX Tracking of package ID XXXX. It clearly shows ( but the investigator did not see it ) that the package was delivered not to my address, but to someone in XXXX XXXX, CA. The provided photo does not show my front porch. In the travel history, it shows XX/XX/XXXXXXXX  at XXXX XXXX  " Address corrected. '' and " Alternative delivery requested. '' This package was rerouted and delivered at XXXX XXXX  on XX/XX/XXXXXXXX  to an undisclosed address in XXXX XXXX, CA. 
With this new observation, I again called Wayfair security fraud on XX/XX/XXXXXXXX  and talked with XXXX who confirmed the fraudulent activity and that the Dispute # XXXX should be reopened. She said Citibank would need to reopen the dispute and I would need to call them to refile the dispute. When I called Citibank to ask that the investigation be reopened, I talked with XXXX and she that the dispute could not be opened on their end, but only through Wayfair. 
At this point, on XX/XX/XXXX, XXXX XXXX XXXX- XXXX restoration XXXX, XXXX XXXX , stepped in to try to resolve the issue via a conference call with CitiBank/Wayfair fraud department and me . After 1 hour and 20 minutes, we finally talked with someone, who was difficult to understand and did not get a name. She confirmed that the case/dispute was still open and that it would be investigated again looking at the FedEx tracking information . 
Wayfair is a victim of theft and should file a police report in the appropriate jurisdiction.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$8600.00}
Product: Debt collection

Collection agency, who claims to be a law firm, Couch Conville & Blitt LLC, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.
Product: Debt collection

Credit Collectors " Hunter Warfield '' ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) originally charged us {$2400.00} on XX/XX/XXXX and now on XX/XX/XXXX the account has been raised to {$3700.00} ( Account # XXXX ) I have not received any communication from Hunter Warfield regarding these increases.

Original Company that issued this report was " XXXX XXXX '' which is a Rental Company. 
We moved out of the apartments because XXXX XXXX refused to check for Mold when one of their disgruntle mechanics " intentionally '' created flooding in our apartment. ( this statement has been verified by XXXX XXXX ) Water was all over the apartment about 2 '' Deep. we asked XXXX XXXX to check for Mold in walls and they told us they did. We asked for report from Company that this was done and XXXX XXXX  never sent that over. ( because they never had any licensed company come over to test for mold ). 
At that point we moved out and XXXX XXXX sent us a invoice and we refused to pay because they could not produce paperwork that said the apartment was free from Mold.

# 1 I need to know why they are charging me.

# 2 I need to know why they are increasing the original Amount every month? Hunter Warfield never sent me any paperwork indicating that there is an interest charge or a reason for upcharges.
Product: Credit reporting or other personal consumer reports

There were several account opened with my knowledge or signed consent. 
I call all of the company 's and asked to remove the inquiries off my credit report. 
They said they would but there still on my credit report. I call each company in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information on my credit report with TransUnion in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.
Product: Debt collection

THE COMPANY, COLLECTION AGENCY, NAME FBCS, INC., CONSUMER CONTACTS SOLUTION XXXX IS CALLING ME EVERY DAY, TRYING TO GET PAY FOR THE SECODN TIME OF THE SAME DEBTH THAT I WAS ALREADY PAY XXXX BUT BECAUSE I DIDNT HAVE THOSE RECORDS BECAUSE I RIDDED OF THEM BECAUSE TOO OLD, I KEEP RECORDS FOR TWO YEARS, I DECIDED TO PAY THE ARRAMGEMENT THEY GAVE ME OF XXXX THE TOTAL DEBT WAS XXXXI MADE THIS PAYMENT TO THEM ON XX/XX/XXXX OF XXXX THIS IS THE CONFIRMATION NUMBER OF THIS PAYMENT XXXX, AND THEY TOLD ME TODAY THAT THEY GON NA SEND ME A LETTER SAYING THAT I DISPUTE THIS DEBT. 
PLEASE HELP ME WITH THIS MATTER THANKS LIKE I REPORT THE FIRST TIME IM A XXXX ALL MY HSPITAL BLLS ALREADY PAY OFF AND COLLECTION AGENCIES ARE CALL ME AGAIN TO TRY TO MAKE ME PAY THE SAME BILLS AGAIN BECAUSE I DONT HAVE PROVETHAT I PAY THEM, FOR THE REASON THERE OLD DEBTHS
Product: Credit reporting or other personal consumer reports

On the date of XXXX XXXX I requested via phone that Equifax send me a copy of my credit report due to website malfunction. I noticed on the requested report that Equifax has inaccurate personal information on my credit file. This information can be found Please review my request below. 

Please delete any other names you are reporting under your Identification ( Formerly Known As : ) section Please delete previous addresses you are Reporting under the Contact Information section with that status of former as they are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 lenders that are unable to pull my Equifax report, so Im being denied credit. I have spent hours on the phone with Equifax and have no results or even answers except the problem is not with them. Please help!
Product: Debt collection

XXXX XXXX debt was paid in full to amsher collections agency, they refuse to remove it from report.