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

To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than 30+ hard inquiries on my credit report throughout XXXX, XXXX XXXX transuion.These are the hard inquiries that were added on : XXXX XXXX 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 XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Debt collection

I have no knowledge of this account. I believe my identity has been stolen and information has been used to obtain a loan with Speedy Cash. Company name : Speedy Cash Amount : {$750.00} Date : XX/XX/2021 Account # : XXXX Reference # : XXXX I reached out to Speedy Cash and they gave me the information to a third-party debt collector. I obtained all information from XXXX XXXX XXXX ( XXXX ) about the account.
Product: Credit reporting or other personal consumer reports

I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAINE & WEINER XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there are still items that are reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( BYL SRV ) the collection agency. I had a balance of {$52.00} I asked what was this balance for they stated it was from XXXX XXXX XXXX,. I clearly stated to the rep on the phone that the balance was paid for and it was reported to my credit report at PAID! why would they need to get paid again?! They stated the balance was not paid, I emailed them the proof stated the balance was {$0.00} and I didn't owe the creditor nor the collection agency any more money, I also contacted XXXX XXXX XXXX and they stated the balance was {$0.00} and I had no other charges. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.
Product: Debt collection

I asked them to verify my debt and they have not done. They sent a letter to collect debt with interest. I've sent three letters to them to verify y debt and they have not to date.
Product: Credit card or prepaid card

I have numerous accounts with netspend prepaid I have two accounts that were opened while I was married not joint accounts I have a savings account accumulated since 2017 I have tried to access these two older accounts but was either hung up on or put on hold for more than 30 minutes in this time I need to have all finances that I have given I am divorced with a new XXXX year old XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Inquiries under 15 U.S.C. 1681b To whom it may concern : I am writing to formally request the removal of unauthorized inquiries that appear on my credit report managed by Experian. After carefully reviewing my credit report, I have identified inquiries that were made without my explicit consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Pursuant to the provisions of the FCRA, a consumer reporting agency may only furnish a credit report under specific circumstances, such as when a creditor has a permissible purpose to access my report. I believe that some of the inquiries listed on my report do not meet these criteria. 

I respectfully request the following : A thorough investigation into the listed inquiries to determine whether they were authorized by me or made with a permissible purpose.

Immediate removal of any unauthorized or impermissible inquiries from my credit report if they are found to lack proper authorization.

Written confirmation of the results of your investigation and any actions taken as a result of this request.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to facilitate your verification process. 

I trust that Experian will handle this matter in compliance with applicable federal laws to ensure the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) This section of the Fair Credit Reporting Act outlines the permissible purposes for which a consumer reporting agency may provide a consumer report. These purposes include : In response to a court order or subpoena.

For use in connection with a credit transaction initiated by the consumer. 

For employment purposes, with the consumer 's written consent. 

For insurance underwriting purposes. 

Any inquiry made outside of these permissible purposes constitutes a violation of the FCRA and must be removed from the consumer 's credit report if challenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have my employment wages and income tax deposited onto the card. On XX/XX/18 I paid some bills and I also bought a few clothes for my children. XXXX  froze my card and said I needed to contact account services. I called the only number they have. The automated service picks up, talks about online services and then asks to verify identity. It starts off by asking for the last 4 digits of my social security number, when I opened the card I never gave them my social security number, not once. So I put it in anyways. Then it asks for my zip code, I put that it and then tells me its incorrect and asks me to do the process all over again, hitting pound or 0 doesnt help either. I have sent them a full video of my attempted call to their XXXX. After 24 hours of this I have yet to get thru. I emailed them 3 times, I sent 2 faxes to their dispute department just hoping for help, I sent them messages thru XXXX. I got a reply on how to handle the automated service once my identity has been verified, problem is just that. Wont go any further than that. I have over {$1100.00} in the account. I am a single mother and all my money is tied up with this account. I can not feed my children or drive my car.
Product: Student loan

When reviewing eligibility for months that count towards XXXX I noted that loan months from XX/XX/XXXX to XX/XX/XXXX are eligible ; however, months XX/XX/XXXX to XX/XX/XXXX are ineligible. This does not make sense as the status of my loans during this time were the same and therefore should also be eligible. I did have a qualifying employer during months XX/XX/XXXX to XX/XX/XXXX which FedLoans should already have on record. I would like these months counted towards my XXXX qualifying payments. I have attempted to contact FedLoans ; however, no one is able to answer this question.
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is FRAUD! 
The ACCOUNT RESOLUTION SERVICES has attempted to collect various DIFFERENT AMOUNTS and has opened new report ( s ). 
I will be taking legal action against any and all in concert with these company ( ies ) in this report. 

Furthermore, I have notified all Reporting Agency ( ies ) that the name is XXXX XXXX XXXX! 
Any other name other than XXXX XXXX XXXX is FRAUD! 
XXXX XXXX, XXXX XXXX XXXX and various addresses that have been attached to the reports are INCORRECT. 

I am entitled to exercise my rights and i waive no rights! 
All reports must be removed! 
Contact XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Product: Credit card

I applied for a credit card from XXXX in approximately late XXXX or early XX/XX/2023 to start rebuilding my credit. When I initially applied, I had a different phone number. However, I had to change my phone # prior to receiving the card. When the card finally arrived, I contacted the cc company and told them I needed to update my phone # so I could activate the card. Well, I was instructed to email them proof of my new phone number and it would take less than a week to complete. It's been well over a month since all this started and my number still has not been updated which means I still can't activate the card. I keep being told the same thing. I would prefer not to deal with XXXX, however, if I close my acct it will adversely impact my credit. 

I need them to complete the process. It's causing me undo stress. 

I appreciate your assistance.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including XXXX  reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

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

XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXXXXXX XXXX also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my EQUIFAX AND XXXX
Product: Debt collection

Received a collection notice for a " XXXX '' account. 
I have never used or heard of this service.
Product: Vehicle loan or lease

On Friday, XX/XX/2021 I attempted to make a payoff payment for my recently purchased Toyota vehicle. I navigated to their website ( XXXX XXXX XXXX ), used my login information, selected " Payoff Options '', " Get Payoff Quote '' and received an error message stating " We are unable to process your request at this time. Please try again later. '' Every day, including today ( Wednesday XXXX, XXXX ) I have run into this same problem. With this being a new loan I did not have access to a previous billing statement or other paperwork that provided me with a customer service phone number. I attempted to access customer support or a phone number on their website ( choosing " Support Center '' from their drop down menu ) but again received the same error message. I have tried every day since Friday XX/XX/XXXX to make a payoff payment or contact customer support to no avail. I even contacted my dealership but was told I could not make or submit any payments to them and needed to go on the Toyota Financial Services website. On the evening of Tuesday XX/XX/XXXX I received a customary Privacy Practices notice from Toyota Financial Services via snail mail. This was the first time I was provided with a customer service phone number. I called and the offices were closed. I called again the next morning, Wednesday XX/XX/XXXX at XXXX and spoke with a representative ( Agent ID XXXX ). I received a payoff quote, daily interest fee information, and instructions on how to make this payment. I described my concern that I was being charged a daily interest of {$1.00} for days that I tried to make a payoff payment on but could not due to their website errors and inaccessible customer service contact information. The representative stated that because I signed a contract stating that I would pay daily interest for all days that I carried the loan that the interest would not be waived. I asked to speak with a manager and was told that a manager would not waive the interest fees either. I asked to speak with a manager anyway. The agent agreed to " file a complaint on your account '' and told me that I could hear back from a manager within the next 72 hours. I have submitted a bill pay through my bank for the payoff quote total of {$10000.00} which I am told reflects total balance plus interest on XX/XX/2021. My bank bill pay receipt reports that Toyota Financial Services will receive this money on XX/XX/XXXX. I am unfairly being charged daily interest of {$1.00} for XXXX XXXX XXXX, a total of {$8.00}. If their website was working I would have been able to receive the payoff quote and make a payoff payment by XX/XX/XXXX, which I was fully prepared to do. This is a minimal amount of money, but it is not their money to keep and their behaviors represent predatory practices.
Product: Credit reporting or other personal consumer reports

My account with TARGET/TD was never late! I have had exceptional payment history with TARGET/TD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

We were sent forms for a short sale for loan # XXXX on XXXX XXXX, 2015. 
We got a realtor. The house was put on the market. We sent forms to Wells Fargo. 
Everything was going fine. The house was locked and foreclosed on. We received no notice. 
I spoke to Wells Fargo on the phone about the property at XXXX XXXX XXXX XXXX XXXX. We have XXXX loans with them. This XXXX was a line of credit. We were locked out of our home with no notice. I was told on the phone over and over that we were fine and in a short sale. The rep kept telling me it wasnt happening, the realtor said it was happening and took house off market. We were never notified. We followed all the steps we were told and they still took without notice. This was done unlawfully, we believe.
Product: Debt collection

Rent recovery solutions llc been trying to collect the wrong/inaccurate amount & reporting the inaccurate original owners, which I disputed numerous times already. According to the original contract from the Original Owner is XXXXXXXX XXXX XXXXXXXX XXXX, Not ( The  XXXX ) the original contract never mention The XXXX anywhere. Also according to original contract under Description of Rent Elements the " 5 day notice fee says it {$35.00} not {$25.00}, which the " Ledger at Move Out " has 2 {$25.00} 5-day notice fees. Also according to the original contract say an NSF Check Fee is {$51.00} not {$35.00} which recorded on the ledger once. Them errors make the balance of {$6500.00} inaccurate which is a violation of the FCRA. According the original contract the lease term is from XX/XX/XXXX until XX/XX/XXXX but the Date of lease contract says XX/XX/XXXX. The account number showing inaccurate on XXXX & XXXX  the account number not starting with two ( 00 ) but on the Rent Recovery Solutions LLC Response the account number start with two Zeros ( 00 ). The ( date form is filled out, same as on top of page 1 ) has 2 different dates. PLEASE DELETE THIS ACCOUNT FROM MY XXXX  & XXXX, or you give me no choice to escalate this matter.
Product: Debt collection

On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.