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

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : US DEPT ED Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly discard the following accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}
Product: Debt collection

I am writing to request the removal of certain inquiries from my credit report. After reviewing my credit report, I have identified several inquiries that I believe are inaccurate or no longer relevant. I kindly request your assistance in removing these inquiries from my credit report to ensure its accuracy. 
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 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 am writing this letter to express my extreme dissatisfaction and disappointment with the recent experience I had while dealing with your company, Auto Pay. The events that transpired during my interaction with your agents have left me frustrated and concerned about your company 's integrity and professionalism. 

Before I submitted my application, I had a conversation with one of your agents who assured me of a two-step approval process. The first step would involve a soft credit pull by Auto Pay to assess the likelihood of approval, and the second step would entail a hard credit check by the lender for final approval. I agreed to these terms and submitted my application based on this understanding. 

However, my experience took a disheartening turn when I called back with additional questions after submitting my application. To my shock and disappointment, I was informed that my application had been denied, and even worse, a hard inquiry had been made on my credit report. This was in direct contradiction to what I had been told initially, and it left me deeply concerned about the repercussions on my credit score. 

Upon raising this issue with the agent I spoke to, they acknowledged that it was a mistake and assured me they would note that the unauthorized inquiry needed to be disputed. I requested an official letter or email confirming this, but I was inexplicably directed to " customer service '' and connected with an agent named XXXX XXXX. 

My interaction with XXXX XXXX was nothing short of frustrating and unprofessional. She not only displayed a lack of empathy but also contradicted the information provided by the initial agent. XXXX informed me that Auto Pay operates as a broker and does not follow the two-step approval process I had been promised. When I requested to speak with a supervisor or another agent, she outright refused and even hung up on me. This behavior is wholly unacceptable for a customer service representative. 

After multiple attempts, I was finally able to speak with an escalation agent who promised to review the situation and follow up with me. However, the ordeal I went through has already caused me significant stress and XXXX 

I believe it is crucial to take these grievances seriously and rectify the unauthorized hard inquiry on my credit report promptly. I intend to file a complaint with the CFPB regarding this matter, and I trust that you will cooperate fully to address this issue. 

I look forward to a swift resolution to this matter and expect a formal response from your company within a reasonable time frame. In the meantime, I request a written confirmation that the unauthorized inquiry will be disputed and removed from my credit report. 

Your prompt attention to this matter is appreciated, and I hope that we can resolve this issue to my satisfaction. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX at XXXX XXXX was given the appropriate 30 days by law to investigate inquiries showing on my credit report that I did not sign or authorize, thye were taken off and then reinserted by XXXX. By law per section 611 of the Fair Credit Act a bureau is not supposed to do that without a notice. I was not notified and they were not authorized by me. The following inquiries need to be removed. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent {$1000.00} to my cousin XXXX XXXX in XXXX through Moneygram reference number XXXX. Half of the money was to be used to take my aunt to the hospital and half for my clothes. He attempted to pick the money up on XX/XX/18 at XXXX XXXX ( XXXX XXXX ) and was told that the reference number was wrong. He then called me to get the right reference number. After that, he went back to the same bank to get the money and was told that the money has been received. He explained to them that he did not pick the money but they kept telling him that the system shows that the money has been picked. He called me and informed me about. I called Moneygram and reported the case. Moneygram has refused to disclosed proof of payment ( the location where the money was picked and by whom ). Moneygram said they are investigating the case and it will take up to 90days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following addressXXXX XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " XXXX. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Product: Checking or savings account

There was a charge on my BB & T now truist? checking account for {$1100.00} around XX/XX/2020 in XXXX XXXX West Virginia that I did not authorize. I was being overcharged by a gymnastics company named XXXX XXXX. I am in a dispute with the owner of the gym. He kept my debit card on file and charged it. I am not enrolled in any sort of auto pay with this company, I never signed a contract for the amount of {$1100.00} and I never ever gave this man permission to charge my debit card. Ive filed 2 separate claims with Bb & T and they say theres nothing they can do. Nobody alerted me this amount was charged, the bank nor the owner of XXXX XXXX, XXXX XXXX. It wiped my account out and left me XXXX cents. BB & T will not own up to this, they are NOT protecting me, despite showing them proof that I never gave this man permission to help himself to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.
Product: Mortgage

Hello, This message is to let you know, that even though you stepped in and ruled that Wells Fargo Home Mortgage people, who were denied a loan modification, and were due money in regards to that. Wells Fargo, once again, is denying the money due, to those who were affected by their fraudulent ways. 
I contacted them. They informed me they would investigate. My case number with Wells Fargo is : XXXX. I received a letter, from them, dated XX/XX/XXXX. 
Letter signed from a XXXX XXXX They produced one letter from one of the four attorneys, that handled my mortgage from them. Where is the rest of the file? They DENIED my from getting a loan modification, and used the circumstances of my situation to their full advantage. I chose to fight, with the four attorneys I was forced to hire, to save my home. I owe way less, than what I owe on the loan. Wells Fargo knew this as well, which is why, they kept using excuses to deny me a loan modification. I filed a complaint with you in XXXX, alerting you to what was going on, so I know you have copy of this. My file, is over 3 inches thick, from letters of four different attorneys, trying to work with them. They ignored a judges decision, forced me to file bankruptcy against them. Taking away my last lifeline, which was my credit. I have documentation of EVERYTHING!!! 
Are you going to step in and monitor how they are handling repaying customers who are owed money, from being denied a loan modification? Had they worked with me, I would never have had to go though, what I did, which has caused me stress and anxiety. 
They even sent people out to my home to harass and place foreclosure notices on my door. How was this legal, when four different attorneys were trying to work on this at different times. ALL attorneys were sent the same generic letter. They did not respond to the actual letters sent, or address the questions, divorce decree. 
They clearly WANTED to get the property. 
Wells Fargo should be foreclosed on and gotten rid of as a company. 
They are crooks and always be crooks. The letter I received XXXX XXXX, backs up this analogy. One letter out of four attorneys?? Where is the rest of the file?? Where is the file that has the request for a loan modification that I was denied??

Are you going to oversee the handling of repaying the affected customers, or continue to let them get away with this? I have no doubts, as do the four attorneys I had to hire to fight to keep my home, that I am OWED money. The excessive fines placed on each payment are beyond horrible. They charged for every little thing they could. 
Please do something here. I have not uploaded the file. I can do this, copies of letters and filings will have to be scanned and put on a pdf. This can be done upon your request. You do have a complaint on file from XXXX from me regarding Wells Fargo Home Mortgage. 




Thank you, XXXX XXXX
Product: Debt collection

I lived at XXXX XXXX XXXX XXXXXXXX XXXX  for majority of my lease agreement before moving out due to health and hazardous conditions ignored. I gave ample notice that I was moving and why I was moving and I was granted approval. I have responded to every letter they send with the same information and I never get a response. I have sent XXXX regular letters and XXXX certified letters. This debt does not belong to me as I moved out and gave notice months before these charges. Please see lease agreement and email communications attached.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following accounts, which have been repeatedly challenged and remain unjustly reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite prior disputes, these accounts have not been removed, demonstrating clear willful non-compliance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a proper reinvestigation and delete or correct inaccurate, incomplete, or unverifiable information. Additionally, 15 U.S.C. 1681n and 1681o establish liability for willful and negligent noncompliance, entitling affected consumers to statutory damages of {$1000.00} per violation. The continued reporting of these disputed accounts obstructs my ability to obtain credit under permissible purposes defined in 15 U.S.C. 1681b and constitutes an ongoing violation of my rights. I demand the immediate and permanent deletion of these accounts to prevent further harm. Failure to act accordingly may result in legal action to enforce compliance.
Product: Credit reporting or other personal consumer reports

XXXX - Account # XXXX XXXX late payments reporting for the months of XXXX and XXXX XXXX XXXX  account # XXXX XXXX late payments showing but information is innacurate shows only XXXX late payment for month of XXXX through XXXX and XXXX but not Equifax Then month of XXXX shows late only on Equifax but not XXXX XXXX XXXX How come the information is not the same across all bureaus reporting this matter? 

Ive mailed out a letter stating this information is incorrect, and they have not removed this negative item hindering my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter well over XXXX ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I reset my password, when I sign on, it wants to send a text or call an old phone number. At the bottom of the page it states that I can answer security questions instead. When I click on that, it shows some fields, and then it states that there is in error on the page, it provides phone number XXXX, the automated system cant help me, and there is no way to reach a person it eventually locks me out, Ive called this number twice. Ive also called XXXX, and XXXX per online search, same experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX.
Product: Debt collection

I wish to have Diversified Consultant to remove a claim I owe XXXX for {$1900.00} - I change companies any XXXX stated I owe them {$1900.00} - all my phones where paid - any I only owe approximately XXXX dollars - I attempted to talk to customer service before switch to another carrier, and after I change I was contact my XXXX for various deals and I decline - I was with XXXX for 20 years and service started to decline and I left .Approximately XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

i sent experian a packet via certified mail containing a copy of my credit report with the accounts due to identity theft highlighted, a copy of my FTC identity theft report, proof of identification and a copy of the FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. The mail was sent certified with the tracking # XXXX I have also attached the police report to this complaint but they must remove the fraudulent accounts within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX