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

I disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion
Product: Credit reporting

I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the PresidenXXXX of XXXX in XX/XX/XXXX about inaccuracies with my credit report. XXXX from the office of the president reached out and way coy about my files I had two private student loans that were both charged off in XX/XX/XXXX. Everytime I dispute and request for the information to be accurate on all credit reporting agencies. XXXX then re-ages the account which causes the account to continue to stay on my account longer. And XXXX continues to report 90day lates while nothing is reported to TransUnion. Again another FTC violation. 

This is deliberate for me not to request the accounts to be removed for inaccurately reporting. XXXX has removed both accounts because the information is incorrect. TransUnion and XXXX should be moved ASAP. Otherwise Im forced to file a lawsuit. 

At this point there are multiple FTC credit reporting violations that have occurred and both accounts must be removed and XXXX is doing everything to report inaccuracies to credit bureaus while hurting my credit while I have called all of this out. Even TransUnion and XXXX are not helping. XXXX continues to show 90 day lates every since month while Transunion does not. 

Both accounts should be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Ive been trying for the past month to have the Credit bureaus and creditors update my personal info on all three bureaus. They still havent made the desired changes. My personal info should be : XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Theyre still reporting wrong addresses on my credit report. I need the address of XXXX XXXX XXXX XXXX removed immediately, that was never my address. I also need the address of XXXX XXXX XXXX removed immediately, that was never my address. I need all of these erroneous addresses removed from my credit report immediately. Ive been trying for a while now and nothing has changed.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection company after me for a debt from a hospital. I received a letter fom them and the letter says that I owe {$91.00}. I paid XXXX already. They sent a false information to the credit bureau stating that I owe {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is incorrect information on my credit report
Product: Credit reporting or other personal consumer reports

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

XXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account
Product: Vehicle loan or lease

I am submitting this formal complaint regarding what I believe to be an unlawful or improper repossession of my vehicle by Westlake Financial services On XX/XX/XXXX my vehicle, XXXX XXXX XXXX XXXX was repossessed under circumstances that I believe violate my rights as a consumer. Specifically, lack of proper notice, wrongful repossession despite payment arrangements, violation of state laws, aggressive or illegal repossession tactics. Violating the FDCPA, XXXX, and now the FCRA. 

I have attempted to resolve this matter by wiring the FULL SETTLEMENT AMOUNT REQUESTED OF {$5700.00} as requested to close account, release title abs vehicle. However, despite my efforts, the issue remains unresolved, causing me financial and personal hardship. 

I request that your office investigate this matter and take appropriate action to ensure that Westlake financial complies with state and federal laws regarding vehicle repossession. I have attached copies of relevant documents, including loan agreements, payment records, and receipt of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX account that is not mine i have sent them a police report and ftc report the following credit inquiries are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything PRIOR to XX/XX/2022 are valid charges. Everything else are UNAUTHORIZED CHARGES!! 

I have complied by mailing in a letter of explanation to the credit card company without a response. Please update with XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - XXXX ; XXXX ; XXXX 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 OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX  ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
Product: Debt collection

On XX/XX/XXXX WLCC DBA Arrowhead Advance attempted to contact me at XXXX XXXX and XXXX XXXX. These hours are outside the hours highlighted in the FDCPA and are considered to be inconvenient. Furthermore WLCC DBA Arrowhead Advance is well aware of my physical location in the state of Hawaii. This was provided to WLCC DBA Arrowhead Advance both on the Application as well as in a ACH revocation letter. Additionally Arrowhead Advance has my Hawaiian Drivers License Data which again support my claim that I am physically in the State of Hawaii.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. 

I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. Santander truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. 

I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against santander I should try the CFPB. 

I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have Santander Remove the loan from my report or report it accurately... 

Santander Consumer Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a registered letter to Equifax Credit Information Services, XXXX, GA, demanding verification of the 2 Bankruptcies that were posted on my credit report. One was from XX/XX/XXXX, ( Bk case # XXXX, which was dismissed, and the other was from XXXX ( Bk case # XXXX ) which shows as filed. Equifax signed for the registered letter on XX/XX/XXXX. ( Both the original letter and the verification of signature are enclosed. ) I challenged the accuracy and compliance of these listings. I asked for validation from the US Bankruptcy Court, XXXX, PA, where they showed these originated from, with copies of the documentation bearing my signature.

Earlier, in a letter I had sent to the US Bankruptcy Court in XXXX, PA, I asked for the method that they use for validation/verification to the reporting agencies. In their reply letter, they verified that they report nothing to these reporting agencies. ( I have enclosed copies of the original letter sent to the court and their reply letter. ) Equifax responded back that they had to verify this with a 3rd party, called XXXX. This is totally against the guidelines set up in the FCRA. They show the Bankruptcy Court in XXXX as the reporting agency. ( Reply letter from Equifax is enclosed. ) Under the new settlement, titled NCAP, effective XX/XX/XXXX, any public record data on the records reported by the credit reporting agencies, must include name and address as well as SSN or DOB in order for it to appear in your credit file. The postings in my file on these reported bankruptcies, do not. Also, Equifax can not verify the Bankruptcies with the court, as reported, because the court doesn't share information with credit reporting agencies, as stated earlier. 
Equifax has not updated the information and per the new agreed settlement under the NCAP, the bankruptcies listed do not include this information and should be deleted from my credit file. 
In addition, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer  contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. 
This incident highlights how these agencies, like Equifax, will gather any type of inaccurate information on virtually anyone. They even went so far as to post a supposed bankruptcy, dating back to XXXX, ( Bk number XXXX ) that had been dismissed! It is common knowledge that any case, whether it be civil or otherwise, once dismissed, no longer exists in the eyes of the law. This case filed, may never have actually been adjudicated. Equifax has no right to maintain information which the government has deemed non-existent. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcies within two weeks from the date you receive this letter. This incident needs to be resolved immediately.
Product: Mortgage

1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 

2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 

3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. 
On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 

4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. 

The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. 

Thanks for your help,
Product: Credit reporting or other personal consumer reports

I enter in this program to help assist with my credit. After reviewing my report, I noticed a particular item showing on my report incorrectly. I sent letters to all credit reporting agencies, along with a snapshot of my credit report. 

In XXXX I was robbed at gunpoint for my car. The insurance company paid majot portion of the vehicle, and about XXXX went into collection. I settled with XXXX XXXX and payed XXXX, in XXXX. I spoke with XXXX in XXXX, and notifyed ne my accosunt was paid, and I have no obaligation with them. 

I havent gotten a clear respond from the credit agencies, They have yet to update or change anything reflecting to my credit report. 

TransUnion is reporting Derogatory XXXX is reporting PAID XXXX id reprting Derogatory I would perfer it to show PAID across each credit reporting agenceis.
Product: Checking or savings account

I had charges that total {$840.00}. from a company. I reached out to the company they closed the account due to fraud. They would not give me back my money. I then filed a dispute with my bank Chime. Chime denied the claim saying the emails I sent did not support the claim. I sent over XXXX screenshots of me speaking with the company showing I tried to reach out to them. Chime never looked into this nor did they send me any proof that I made these transactions. This was a XXXX XXXX XXXX that an online XXXX site allowed to use my information. I never did XXXX. Chime has failed to look into this. They have denied me XXXX times with all the emails I sent to them showing I tried to work with that company and they say these emails are not supporting the claim thats a lie.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report regarding two accounts that I believe contain inaccurate information. The accounts in question are XXXX XXXX XXXX  Account Number : XXXX Money XXXX XXXX Account XXXX : XXXX After reviewing my credit report, I found that these accounts are inaccurately reported ( late payments, inaccuracies across credit reports ). I am requesting an investigation into these entries, and, if they can not be verified, I request that they be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on my credit report
Product: Mortgage

Companies involved are XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Bank, The XXXX XXXX XXXX. 

I learned in XX/XX/year> that my home should not have been constructed from XXXX XXXX XXXX, and then learned MA XXXX XXXX XXXX that it was constructed upon a nuclear hazard/radioactive materials. 

There are title issues with the property, forged documents, a non-compliant XXXX XXXX modification, and back-dated documents that have been filed with the XXXX XXXX XXXX XXXX XXXX  and the Massachusetts Land Court . 

I have been filling complaints for the past year ( including reports to the FBI ). I can not get straight answers from the Secretary of State or Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account 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 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: Credit reporting

I 'VE BEEN GETTING A LOT OF STRANGE JUNK MAIL LATELY, PREAPPROVALS FOR HOME EQUITY LINES OF CREDIT WHEN I DONT OWN A HOME. I HAVE BEEN GETTING AN EXTREMELY HIGH NUMBER OF CREDIT AND LOAN OFFERS AS WELL. THIS WEEKEND I DECIDED TO TRY AN IDENTITY PROTECTION SERVICE, XXXX. I SIGNED IN AND WAS SHOCKED TO DISCOVER THAT MY SOCIAL SECURITY NUMBER HAS BEEN CROSSED WITH SOMEONE ELSES. I HAVE AN ALIAS AND THEIR NAME IS NOT EVEN CLOSE TO MINE. I FOUND COUNTLESS ENTRIES ON MY EXPERIAN CREDIT REPORT THAT ARE N'T MINE. REVOLVING LINES OF CREDIT, MORTGAGES, LOANS, NAMES AND ADDRESSES I HAVE NEVER USED BEFORE AND PLACES I 'VE NEVER LIVED. SOME OF THIS INFORMATION CROSSED OVER ON TO MY XXXX XXXX REPORT AND XXXX REPORT AS WELL. I ALREADY CONTACTED EXPERIAN AND THEY ARE IN PROCESS OF REMOVING XXXX ACCOUNTS AND XXXX PAST ADDRESSES FROM MY REPORT. I HAVE BEEN AT THIS ALL DAY AND I AM SIMPLY EXHAUSTED. I AM UNABLE TO GET THROUGH TO XXXX BECAUSE THEY ARE CLOSED ON THE WEEKEND. I 'M TOO TIRED TO CONTACT XXXX XXXX TODAY. ODDLY ENOUGH, I RECENTLY DECIDED TO PURCHASE A HANDGUN. WELL, I ATTEMPTED TO PURCHASE ONE. I WAS UNEXPECTEDLY DENIED THE PURCHASE BY THE INSTANT CHECK SYSTEM. I COULD N'T FIGURE OUT WHY OR WHAT HAPPENED. MAYBE THIS HAS SOMETHING TO DO WITH IT. I HAVE NO IDEA HOW TO FIX THIS PROBLEM AND I CERTAINLY DID N'T CAUSE IT. I ALSO HAVE NO IDEA EXACTLY HOW DEEPLY COMBINED THIS DATA XXXX UP IS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the inaccuracies I have identified : Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX CXXXX  XXXX XXXX XXXXXXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : Transunion is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX
Product: Debt collection

Calling my place of employment in hopes of collecting a debt. Calls multiple times and harasses my employees when I am with customers or in meetings when he calls.