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

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit freeze or fraud alert with TransUnion for several weeks. On XX/XX/year> I had a online chat with a TransUnion representative, and they told me to wait XXXX hours to try again. Today ( XXXX XXXX XXXX ), I tried again, and still I am being told : Sorry, we're having trouble showing the status of your credit freeze right now. 

Doing an online search, it appears this has been going on for years, and TransUnion has not fixed this issue.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. " ACHIEVE PERSONAL LOANS ''. THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THIS ACCOUNT IS BEING REPORTED INCORRECTLY AND MUST BE REMOVED. EXPERIAN CHANGED THE INFORMATION MULTIPLE TIMES AND IT IS STILL NOT CORRECT.
Product: Debt collection

this company appear on my credit report after i told them to send me provide/ contracts of debt.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Adjusters , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : # XXXX Your name : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear : National Credit Adjusters , LLC I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this account. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

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

Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several unfamiliar inquiries that I dont recognize or recall initiating. I haven't applied for any new credit, nor did I give permission for these companies to access my report. This unexpected activity is causing me a lot of XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had TEN late payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally refile a complaint regarding serious inaccuracies present in my AMERICAN EXPRESS credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my AMERICAN EXPRESS credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMERICAN EXPRESS to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Mortgage

My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.
Product: Debt collection

ince your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 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 card

In XXXX of XXXX I requested an investigation into the CAPITAL ONE CREDIT CARD ACCOUNT ending in XXXX because the XXXX OF XXXX late payment on the item is not being reported legally. I have disputed this account several times with all three credit bureaus. Every time Im told this is verified with the data of furnisher. The furnisher does not matter because In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy and under 15 USC 1681 Section 604 Section 2 it also states a consumer reporting agency can not furnish any account information without my instructions. I have not provided such instructions and the account is reflecting several late payments. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove ALL late payments immediately!!
Product: Credit reporting or other personal consumer reports

I am currently in the process of buying a home and my lender has been able to obtain two of my credit reports with no problem ( XXXX and XXXX ). The issue is with Equifax and my lender being unable to obtain my credit report from Equifax and having to use the two scores he can obtain which is causing me to pay more for a home loan due to an inaccurate credit profile due to missing Equifax reporting. I tried to purchase a property in XX/XX/2024 and this same issue came up and I fell it ultimately cost me the property. I have spent numerous times calling Equifax to no avail in getting this issue resolved. I have sent in a copy of my drivers license and social security card numerous times as requested by Equifax to get this resolved and it is still not resolved. I am in the process of purchasing another home this month and I am concerned this continuous error on behalf of Equifax will sabotage the purchase of this property and me more money in loan fees due to their inability to report my credit accurately.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX on XX/XX/2024 I submitted a complaint to you guys when I did DailyPay blocked my telephone number which is XXXX XXXX XXXX so I can't call there customer service support from my number they banned me from DailyPay they submitted a transfer on XX/XX/2024 on my behalf without my permission I don't have access to paycheck stubs or statements and DailyPay refuses to pay me my remainder pay iam going to file a complaint with the XXXX  XXXX board iam going to have to quit my job so DailyPay  want take all of my money DailyPay will not give me the money owed I didn't owe dailypay anything from paycheck XX/XX/2024 because DailyPay blocked denying me access to my DailyPay account I want my money I worked for DailyPay didn't even let me know anything about my money I contacted my hr payroll dept XXXX they stated that dailypay has control of my paycheck they will not give me my money I worked for please contact them and make them release my remainder pay
Product: Checking or savings account

An estate check for a property that sold was put into the personal account, the check clearly reads in the estate of. The money was taken by a relative who is on that account not the estate account, he took the money knowing it was in the wrong account place there by the bank teller when it was to be placed in the Estate account as the check reads. The bank should be responsible for putting the fund in the proper account since it was clearly deposited in the wrong account. I've attached a copy of the check and the deposit slip. The bank is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ameris bank and the phone # is XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I was contacted by Speedy Cash personal loans after searching for a loan online help with consolidating some bills. The company collected all my information including passwords to my bank account and deposited a check for me to collect and redistribute to them in exchange for a {$2000.00} loan. The bank called to let me know that the deposit was fraudulent and that I should contact you immediately in order to correct my account. I did not receive the paperwork they promised and they have all my information.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX, I entered a consumer credit transaction with Bridgecrest. XXXX XXXX I came to the site of my car being repossessed in order of the financial institution Bridgecrest. I asked the man taking it to stop, he proceeded in driving as I didnt know who he was. He stopped his vehicle to yell at me, basically breaching my peace. The very day after, I contacted Bridgecrest to be informed that my car was repossessed and charged off as of XX/XX/XXXX. I have made several chances to make it right even before this in XXXX ; I clearly expressed that I have/ had financial hardship and couldnt afford to pay the debt and car maintenance. I further discovered that on top of other violations, Bridgecrest and/or XXXX ( the dealer ) has not ever informed me about my right to rescind. Both parties participated in uniformed use of credit, no adequate notice and violated the law determining my finance charge. I am enforcing my right today with given reasons and notice to Bridgecrest as well. I have also disputed on experian.
Product: Bank account or service

Citizens bank charged me overdraft fees on an account that never went below {$180.00} then only refunded me one of the charges. There explanation is that there is a time period between when funds on hold are removed from being " funds on hold '' and when they are posted to the ledger which the man I spoke to went on to explain means that there is a time period where a consumer using the available balance they provide online would be operating on information that Citizens bank knows is not accurate but is disclosing anyways. This is clearly an unfair and deceptive practice as the bank is providing a misleading account balance that consumers reasonably will believe is accurate when making decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting addresses on my credit report that does not belong to me. I do not live at these address and am afraid they could be resut of ID theft.
Product: Credit reporting or other personal consumer reports

I am attempting to unfreeze my TransUnion credit report in preparation for applying for a loan, and their website ( service.transunion.com ) is malfunctioning and unable to log me in. As a result, I am unable to apply for credit. The specific error messages I get are " We are sorry, but we are unable to fulfill your request at this time. '' and " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' This has been the case for over XXXX hours.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/year> under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

REF : Account closed # XXXX Fund is on hold {$25000.00}. 
I am writing this letter about I open on lines Miles Ahead Saving Account # XXXX Checking Account # XXXX. After opening account I sign into the Citibank website to attempt to open an account and when I tried to fund it I linked my XXXX  account to Citibank and my linked XXXX as well. I have transfer {$10000.00} from XXXX XXXX and {$25000.00} from XXXX XXXX  and both transfer was made successfully and posted to my Citibank Miles Ahead Saving account as of XXXX XXXX. I received email on XXXX XXXX that my both accounts has been closed that I have violated the terms of my accounts per client manual. I did not do any violation. 
I requested the XXXX  to get my money back from my Citibank account and XXXX  recall ACH and got my {$10000.00} back to XXXX  account. After this Citibank debit {$25000.00} from my citi bank saving account without my permission and I dont know where that money Citibank transfers it. 
I have been calling Citibank nonstop for the last 47 days about my money every time they connect me Fraud dept. The calls are answers offshore call centers. I contact my XXXX  XXXX  to recall ACH from Citibank and XXXX XXXX  refused to recall the money because I authorized Cititbank to debit my XXXX  account so there is no way for XXXX to do the recall because the transaction was not initiated by XXXX. It appears that the money hit my Citibank account # XXXX but the account was flagged as suspicious. I need to know Citibank is why the account was flagged and where are they holding my {$25000.00} money. I need my money back. Attached the all document from my XXXX XXXX  send information.Please Send my money as soon as possible. 
Thanks XXXX XXXX XXXX XXXX phone # XXXX
Product: Student loan

All parts of my finanaced loans for XXXX XXXX have not been discharged. All parts of my finanaced loans that apply to XXXX XXXX should be discharged due to the fact that -The U.S. Department of Education ( Department ) determined that all borrowers who enrolled in a school operated by XXXX XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, when it stopped enrolling new borrowers, are eligible for discharge of their related federal student loans. This group discharge process will facilitate relief to borrowers harmed by XXXX 's actions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. Some personal information is no longer valid and is outdated Account XXXX XXXX  Amount {$4000.00}, Acct # XXXX Account : XXXX, Amount {$170.00}, Acct # XXXX Account : XXXX XXXX, Amount {$660.00}, Acct # XXXX Account : XXXX, Amount {$500.00}, Acct # XXXX Account : XXXX  XXXX, Amount {$480.00}, Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX, Amount {$2100.00}, Acct # XXXX Account : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ), Amount {$790.00}, Acct # XXXX Account : XXXX  XXXX, Amount {$470.00}, Acct # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX. XXXX, VA. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.