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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, ONEMAIN FINANCIAL SERV add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

Bridgecrest Financial - Acct # XXXX In approximately XX/XX/XXXX I was struggling financially to maintain my car loan after contacting the car company with a 91 day delinquency they informed me that my loan was charged off and if I wanted to keep my car a XXXX XXXX XXXX I would have to pay them {$1900.00} to keep the car and {$480.00} per month after that no later than the XXXX of the month. 
I have maintained this agreement until recently when I lost my job due to COVID-19 & a work slow down at my employer. 
My complaint is that on my credit report this loan shows as charged off and none of my payments have been noted or deducted, this account being inaccurately reported is having a negative impact on my credit life and it is causing me a great deal of stress and negatively affecting my ability to obtain new credit, a mortgage and new jobs. 
I have made contact with Bridgecrest and asked for a credit bureau update or correction and they informed me that nothing will change until the loan is paid in full. 
Please help me if possible looking for the account to show Im current since I have been paying the loan.
Product: Credit reporting or other personal consumer reports

I sent a letter off requesting the information regarding this account that should never been on my credit profile it was removed after sending them a letter several times I never received a lot of back from them which was one violation ... Based on the bad credit report and act 2, the second violation is that they constantly is reporting inaccurate information please see attached to evidence I also recorded the representative who I spoke to
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Comenity Bank/XXXX for their refusal to delete inaccurate information from my consumer report. This has been a frustrating ordeal as both the creditor and XXXX have consistently failed to provide any substantial information despite repeated attempts to rectify the situation. I am deeply concerned that this behavior demonstrates a blatant disregard for consumer protection laws. 

I have diligently reached out to XXXX and Comenity BankXXXX regarding the inaccuracies in my consumer report. Despite the legal obligation to investigate and correct any inaccurate information, both parties have consistently refused to comply. This flagrant violation of consumer law has caused extensive frustration and financial harm. 

I strongly believe that it is within your jurisdiction to thoroughly investigate this matter and ensure that Comenity BankXXXX XXXX XXXX the mandated consumer protection regulations. It is imperative that appropriate enforcement actions are taken to rectify this issue promptly and prevent any further harm to consumers. 

I kindly request that you conduct a thorough investigation into the practices of Comenity BankXXXX and XXXX the necessary steps to address this matter. I firmly believe that it is essential to uphold our consumer rights and hold companies accountable for their actions. 

I appreciate your attention to this matter and your dedication to safeguarding the rights of consumers. Should you require any additional information or supporting evidence, please do not hesitate to contact me. I look forward to a prompt resolution to this dispute. 

Thank you for your time and consideration. 

Sincerely,
Product: Debt collection

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( on XX/XX/XXXX and second on XX/XX/XXXX ) to DIVERSIFIED CONSULTANTS and requested they only contact me by mail. There has been no response from the debt buyer. 
This account was not opened by me, and I have not resided at the address of the account for three years. The account belongs to the current resident, who has since called and paid the outstanding amount. I informed XXXX, the original creditor who informed me my information would be removed from this account and the current resident would be added but I have yet to see resolution. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by DIVERSIFIED CONSULTANTS regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated
Product: Credit reporting or other personal consumer reports

I opened an XXXX XXXX  and I did not receive statements of billing, or any notice that there was a balance or bill due, right from the start. I tried to find my account information and websites said it was supposed to show up in my XXXX XXXX XXXX and it did not. Their emails were found months later in my spam folder. A {$35.00} payment was due which they said was missed therefore. this went past 60 days and caused a XXXX point drop on my credit report. Was near XXXX, now XXXX. Nothing was done to correct their app error or lack of billing, zero notice of the account opening, paperwork, or billing. Once I found the error and heard from them, I paid the full {$1200.00} balance to stop doing business with them. They handled this poorly each time as if I were trying to avoid paying them. Quite rude. Did not handle the dispute well at all. A XXXX XXXX rep told me " they would get it fixed '' and then did not. The damages are significant. Increased car loan interest rates making my new payments 15 % higher. XXXX point drop in my credit score. Financing for anything for me now costs 15 % more. This late fee should be removed from my XXXX Account on my credit score with Experian and other bureaus. I have a very high income as president of a company and I realize mistakes happen, but this {$35.00} is trivial and should not have occurred. Their app didn't work. I did not receive billing. I think the fact that I immediately paid the {$1200.00} balance is an indication I wasn't struggling to make their {$35.00} pyament to support my claim. Thank you for looking into this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT  XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}
Product: Debt collection

Request for Debt Validation to Help Dear Sir/Madam, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide me with the following information : XXXX. The full amount of the debt, including any interest, fees, or charges. XXXX. The name of the original creditor and their contact information. XXXX. A copy of the original signed contract or agreement that created this debt. XXXX. A detailed statement outlining the dates and amounts of all payments made, and the remaining balance on the account. XXXX. Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. In accordance with the FDCPA, I ask that all collection efforts cease until you provide the requested documentation. If you can not provide the necessary validation, I request that you cease all further collection actions and remove any negative reports related to this account from my credit file. Please send the requested documentation within 30 days of receipt of this letter. If you fail to provide the validation, I will consider the debt invalid and take appropriate action. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX - XX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

[ First and Last name ] XXXX XXXX [ Address ] XXXX XXXX XXXX XXXX XXXX, GA XXXX [ Date ] XX/XX/2024 [ Eastern Account System ] [ XXXX XXXX XXXX XXXX, CT XXXX ] [ Amount ] {$220.00} [ Account Number ] XXXX Contacted the creditor to report that there is two accounts in my name. I never created two accounts within my name. Also tried to dispute the collection due to inaccurate information. This collection shows different information on all 3 Bureaus. Never gotten resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$70.00} XXXX XXXX XXXX Originalcreditor XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXXXXXX Inquired on XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. 
Due to my personal information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached : a copy of my ID, the FTC complaint, a copy of the XXXX  Breach report showing my information being exposed in a national breach
Product: Debt collection

XX/XX/XXXX Midland Credit Management filed a summons stating that I owed them {$1400.00}. 

Midland Credit Mgmt is a 3rd party collector who purchased my account from XXXXXXXX XXXX  on XXXX I made my last pymt in the amount of {$560.00} to XXXXXXXX XXXX  on XXXX, before Midland Credit Mgmt bought the account. 

I have never signed a contract or verbally confirmed that I owe Midland Credit any money. My agreement was with XXXXXXXX XXXX until they sold the account to this 3rd party collector. All they've presented is a Bill of Sale to purchase the account. 

I sent a demand letter to request proof of contract w/ a certified copy of an authenticated original contract between me and Midland Credit on XX/XX/XXXX, giving 15 days for them to respond. I sent this letter certified return request that proved that they received the letter on XXXX They have not responded, and are continuing to force mediation to push me into agreeing that I owe them this money. 

In the letter, I stated my rights under FDCPA to dispute the alleged account, as well as the law that states that before they collect any information, about me, they must get my authorization to access my credit report for any reason. I would never give a collection company permission to slander me on my credit report. I followed this comment writing out this law word for word. 

I then asked them to notify me in writing that they have ceased all collection activity and deleted all information they furnished to all credit reports to which they submitted this unverified and un-validated information. 

All requests have been ignored. 

If they keep ignoring my rights under FDCPA, I will continue my complaints to XXXX XXXX  Federal Trade Commission Attorney General Possible law suit for harassment, fraud, extortion, and invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX, XXXX ( Original Creditor XXXX 11 XXXX XXXX ) XXXX,
Product: Consumer Loan

Payments were made to collection agency and then account was proven to have been fraudulent transactions. Collection agency has been giving me the run around concerning returning payments made even after I have provided letter from original creditor stating charges were not mine and also stating that payments were not returned to original creditor when the loan was
Product: Money transfer, virtual currency, or money service

refunded and return to me they took a lot of money from me and stole my account and never got it back
Product: Student loan

I am 1 a XXXX an XXXX XXXX XXXX  in a XXXX college. I was told by Navient that I could apply for forgiveness an I would qualify. Well I was rejected an the stared to just TAKE MONEY. The took my entire paycheck from the XXXX  after working Hurricane Maria for 5 months with XXXX XXXX XXXX as a XXXX XXXX. All XXXX dollars to pay my bills from working in Puerto Rico. An I applied again an they just made my payments go up an tacked on interest with a massive CREDIT REPORT negative marks for almost 2 yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

They failed to respond to my issue dated XX/XX/ see attached
Product: Student loan

DEPT OF ED/NELNET : {$15000.00} DATE OPENED : XX/XX/XXXX DEPT OF ED/NELNET : {$10000.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Consumer Assistance XXXX XXXX XXXX XXXX XXXX, GA XXXX i have called them and explained to them my information was hacked and someone is using it to get this student loan/credit loan from them, i did not co-sign/ co maker for anyone and they should dissociate me from the credit loan file
Product: Bank account or service

Reserved an suv rental car at XXXX of XXXX in XXXX 2016. Upon arrival to pickup rental car, XXXX had run out of vehicles and had to fetch anything from another lot. After departing the lot, I realized the vehicle had some mechanical issues. Whenever I let my foot off gas it stalled- This caused me to almost get in a collision while merging on the freeway. I was close to my hotel so parked the vehicle and called/emailed XXXX to get a replacement as I was scared to drive the vehicle as I felt it was unsafe. XXXX did not respond during rental period. I had to take alternate transportation ( XXXX ) instead and provided receipts to both XXXX and my bank wells fargo. ( car rental was paid with wells fargo debit card so I disputed transaction ) Upon time to return the vehicle no one had contacted me so I drove straight back to rental facility. When I returned the vehicle, I told attendant about the problem. XXXX contacted me after my return home and offered a free one day rental of which I told them that was unacceptable considering the vehicle was not safe.I have been issued a provisional credit by wells fargo but they havent taken any action on a permanent decision
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I HAD A PARTERN WHO STOLE MY IDENTITY I WENT TO THE POLICE AND THIS IS A UNDER INVESTIGATION CASE WITH NAME AND EVERYTHING PROVIDED OF THE PERSON WHO DID THIS TO ME. I WILL ATTACH POLICE REPORT AND IDENTITY THEFT FTC REPORT TO REMOVE THIS FROM MY CREDIT PLEASE. THESE ARE THE ACCOUNTS CAPITAL ONE AUTO FINAN XXXX Repossessions {$38000.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$1100.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$580.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Other Account {$3300.00}
Product: Credit reporting or other personal consumer reports

Kashable llc is a installment loan XXXX when it was open closed XXXX was included in my XXXX  XXXX bankruptcy XXXX is reporting the account 120 days pass due but that account was discharge in my bankruptcy and XXXX has on mt report 120 days pass due i talk to XXXX and no one was willing to change that status to discharge XXXX XXXX i do have my discharge paperwork for that account the amount for the loan XXXX.
Product: Credit card or prepaid card

I have a discover card credit card for years. Never delinquent with payments. Used the card last Saturday at 2 places. The next day could not use it, not accepted. Called discover transferred to identify dept. They will not tell me what this is about and want me to allow them to access my IRS tax return. Called corporate office and they were not helpful and had no explanation
Product: Credit reporting

I am forced to complain once again about Equifax 's unacceptable result of investigations of my previous complaints in XXXX and XXXX. Judgmengt still on my record, only as " satisfied ''. It is not correct as it was REVERSED and as such rendered void. Furthermore, initial XXXX 2014 judgment with with case ID # XXXX was dismissed. XXXX and XXXX deleted this record while only Equifax still reports it as satisfied/released. I demand that Equifax immediately removes this public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems ( original creditor XXXX XXXX XXXX XXXX ) are reporting to XXXX and XXXX that I still owe a debt of {$120.00}. I've tried disputing this with yhe credit bureaus but keep getting an outcome that the creditor states I owe {$120.00}. I've paid in full back in XX/XX/2022 the full amount of not only the {$120.00} directly to Transworld Systems but for another medical debt with Transworld Systems as well. I've requested receipts of payment from creditor... still have not received. I've called Transworlds Systems who verifies there is no balance but they continue to report inaccurately to the credit bureaus. I've ask that they update with them and they refuse. I've filed disputes and at this point the credit Bureaus state they can't help.