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

1. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized WELLS FARGO AUTO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

13. The following is an invalid late payment XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

15. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

16. Validate Account XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

17. Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

18. The following is an invalid late payment XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account
Product: Credit card or prepaid card

On XXXX XXXX Order Summary Subtotal : {$140.00} Kohl 's Cash - {$5.00} Free Standard Shipping {$75.00} - {$8.00} Shipping : FREE Sale Tax : {$9.00} Total : {$150.00} You saved {$13.00} on your purchase today. 


Your Earnings Kohl 's Cash to use XX/XX/XXXX - XXXX, 2021 Your Kohl 's Cash will be sent in a separate email. 
{$20.00} Kohl 's Rewards updated balance {$7.00} previous balance + {$0.00} earned on this purchase {$7.00} I purchased a XXXX XXXX head set and the same day I canceled the order because it had my old address They sent me a confirmation We were successfully able to request a return of your package with tracking number ( .. ) to our fulfillment center. Once the items are received and processed, you will receive a refund to your method of payment. that the order was canceled and sent me a confirmation email Since then I have called numerous times to get the my refund back on to my credit card which would make my balance 0 again I have been charged double for something I never received 1 phone call I was told the error was fixed but it was not the last phone call I finally got a dispute number and I have since then been threatened that my credit card has been suspended it is now XXXX XX/XX/2021 and I still do not have my account resolved
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 filed several disputes with XXXX and Equifax regarding the Department of EducationXXXX inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and Equifax with letters from XXXX and XXXX ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The XXXX letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XX/XX/. 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and Equifax state the Department of EducationXXXX continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to Equifax on XXXX XXXX and XX/XX/ regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and Equifax because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and XXXX are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.
Product: Credit reporting

Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$0.00} This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$120000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$820.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$81000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate.
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 confidentially under 15 USC 1681. 

Account Name and Number : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX has violated my rights. 


15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Debt collection

I DO NOT OWE AFFIRM!!! I DO NOT CARE IF THEY TOLD YOU THAT I DO! I DO NOT!!!!! I WENT THROUGH XXXX  AFTER I WAS GOING TO GO THEOUGH AFFIRM I DECIDED XXXX  WAS THE BETTER DEAL. I CALLED XXXX  LIKE THEY SAID AND CONFIRMED THAT I RID NOT PICK UP FOR AFFIRM! XXXX  ALSO SAID THAT AFTER 3 DAYS THEY OF NOT PICKING UP THEY CANCEL THE ORDER
Product: Checking or savings account

I have overdraft protection for my checking account with SunTrust. Yet I was charged {$180.00} in overdraft fees which 5 {$36.00} overdraft fees were charged. I had money at the time when these transactions were taken out. The money was debited from my account. I don't know how I was charged {$36.00} for 5 transactions. Which I had money in my account to cover those transactions.
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card

My dad is a credit card/identify theft victim. He fell for a scam in XX/XX/XXXX and again in XX/XX/XXXX that have wiped his savings and created major debt. First, in XX/XX/XXXX it was a telephone call saying that he was late on paying a bill and needed to pay immediately, so he provided a credit card number with his personal information. That created a ridiculous amount of charges, which he was unaware of. He is in his XXXX 's with some XXXX caring for my mom who was very ill. Then in XXXX XXXX he received a phone call, letting him know that he had won the big prize of Publisher 's Clearance but that he needed to follow very strict instructions. So he did. The result : Someone opened via internet a Citibank credit card in XX/XX/XXXX and charged {$10000.00}. In addition, they charged over {$12000.00} on his XXXX XXXX XXXX card and another {$10000.00} at another institution. Both Citibank and XXXX XXXX XXXX refuse to accept the fact that he did not make any of the purchases and have released the case to Collection agencies to recover the funds. I 've documented all the transactions and we can not believe that after all the documentation, either institution have not properly looked into the case. What we get is letters telling us " You opened the account via internet in Citibank and this is your responsibility ''. My dad does not own a computer nor did he have internet service. We 've written to Citibank several times and get the same response, " you opened it, it is your responsibility ''. The crooks were brilliant in how they managed everything. They opened the Citibank account and deposited the money in his checking/savings account at XXXX XXXX XXXX, then proceeded to make telephone transfers. They completed wiped all this checking and savings. My mom died on XXXX XXXX, XXXX and her memorial was XXXX XXXX. Because of his XXXX situation, and my mom 's death - I took over my parents ' finances in XX/XX/XXXX. I have spent considerable time understanding what had transpired, documenting much of the transaction. Both banks ( XXXX XXXX XXXX and Citibank ) have been unsympathetic. We spent considerable time at the local XXXX bank and ultimately chose to close his account after my dad 's account was cleaned out. I 'm at wit 's end on what to do. I 've over communicated with both institution. My parents, who have had wonderful credit scores in the past and now my dad, are now considering bankruptcy as a solution, which for us is a last resort. I am disgusted by the arrogance and disrespect conveyed by both banks.
Product: Mortgage

I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, both XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A company that goes by the name of LoanCare LLC out of XXXX XXXX acquired ARM mortgage about 2 years ago. We have our mortgage payment set up online with automatic payments and for the past two years we have not had an issue and we pay early and we pay more than the amount that is due and it has came out of our account and went into their account without a problem for 2 years. Recently we received a letter saying they did not receive our payment so we got online and verified where the money had been taken out of our account and sent just like the 22 previous payments that they did receive and mind you my wife is a manager at the bank where our money comes out of XXXX tract the account that the money had been deposited into. We reached out to LoanCare LLC to try and resolve the issue and they have been less than accommodating and have let us on and not returned our calls or our emails or resolve the issue in this has been going on for over a month meanwhile me and my wife 's credit scores that we're both in the upper seven hundredths have been affected buy dropping over a hundred points do to LoanCare LLC complete incompetence. We have provided them with records showing the money had been taken out just like it always has and provided them with the account number where it went and we have all the records showing who we talk to when we talk to them dates and times in emails and countless hours trying to resolve this issue completely at our expense. This company is an absolute joke and is basically committed credit slander and put us through much stress and heartache and still have not resolved the issue. It is absolutely ridiculous that hard-working responsible Americans the try to take care of themselves financially have to be stifled and setback by a Company that is completely incompetent and could care less.
Product: Prepaid card

I went out to my local XXXX located at XXXX XXXX XXXX XXXX and purchased an American Express gift card because the hotel XXXX staying at does not accept cash. I purchased the card XX/XX/year> and loaded the card with {$410.00} USD. I tried to use the card at the hotel and multiple other places and every where I tried to use it for XXXX  days now it has been declined. Im actually sleeping in my car now until next week pay day because I used my last bit of money to purchase this gift card. Please help its cold outside.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan on XX/XX/XXXX for {$6700.00} - the finance charge ended up being {$5000.00} for a total of {$11000.00} - I was told if I paid off early it would reduce amount owed- I paid it off XXXX years early and was told the payoff amount on the date I paid was {$5100.00}. On XX/XX/XXXX I paid the loan off in full - then got a statement from them stating the balance was {$8000.00} and my interest refund of {$2200.00}, credit for unemployment insurance in amount of {$98.00} and guaranteed asset protection ( GAP ) refund in amount of {$500.00} was applied to the original loan -the total they kept was {$2800.00} - XXXX paid the loan off early and this should have been credited to me. They are very deceptive-I did not know I was paying for XXXX or XXXX insurance. They had a class action lawsuit they lost in XXXX for this same practice but they are continuing to deceive consumers. They should have to pay me back the {$2800.00} - they lie and say we can pay off early to avoid the fees and interest and when we do they charge you the entire amount anyway.