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

I have requested the fraudulent names and addresses on my credit report to be removed and to ONLY SHOW MY NAME AND ADDRESS AS IT APPREARS ON MY DRIVERS LICENSE.Also XXXX XXXX inquiries are still reporting on my credit report I did not authorize to share my personal information to be shared also XXXX XXXX whomever they are is not authorized to be on my credit report. I do not know that company. I requested to see Number XXXX : proof of ownership from the company for this debt TO PROVE THAT THEY PURCHASED THIS DEBT IF THAT IS WHAT THEY DID and number 2 : proof that I owe this debt to them and number 3 : Complete payment history of this account as reported on my credit report Not only is this incorrect I have no knowledge of this account. I have disputed this multiple times and NEVER RECEIVED THE PAPERWORK REQUESTED I DEMAND REMOVAL OR I WILL SEEK A LAW SUIT AGAINST ALL COMPANIES INVOLVED.
Product: Money transfer, virtual currency, or money service

Square closed my account after I received the money on it for no reason and he reserved the money and I desperately need it because I am in financial difficulty I emailed them Hundreds of times and they don't even answer they have held my money for more than a month now without any reason and I can't withdraw it to my bank account please help me Because I really struggled to make that money. 
This is the email attached to the account : XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed the account that opened without my consent was still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account that is found to be opened due to incorrect credit reporting. The disputed account does not my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove this account. If you feel there is a possibility this account was allowed by me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX ) XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/year> Balance : {$0.00} ; XXXX ) XXXX XXXX Date opened : XX/XX/year> Balance : {$0.00}
Product: Credit card

I have an Apple Card credit card from Goldman Sachs. I've had a {$0.00} balance for 9 months since XX/XX/2023. I want to close the account. They say the account is under review. They have been telling me this for the whole 9 months I've had a {$0.00} balance. They will not let me close the account while it is under review. They have not provided me any updates despite asking for one at least once every few weeks for the past 9 months.
Product: Mortgage

My XXXX home mortgage was sold to a company called Bayview Loan Servicing , LLC in XXXX of XXXX. I was up to date with my mortgage payments and I was advised by Bayview on XX/XX/XXXX that my mortgage was in default because I was paying the incorrect amounts. They stated my mortgage payments were supposed to be {$3700.00}.. My mortgage amounts have always been {$3400.00}. I began paying the new amount of {$3700.00} as directed and now I have been advised that my mortgage in default and that my house would be put into foreclosure. They are not applying payments correctly and it has been extremely difficult trying to get in touch with the representative who was assigned to me. It takes her a full 48 hours to return my call. If you look at my statements it shows unapplied payments. My mortgage is not in default as I have been making the mortgage payments in the new amount that they requested. The representative assigned to me at Bayview can not explain to me why I am in default and is now requesting {$15000.00} and stated if I do not pay this amount my house will be put into foreclosure. I went back to my original mortgage holder, XXXX Bank and they advised me to negotiate with Bayview because there was no mistake on my part in the amount that I was paying the correct amount on the statements that I was receiving.
Product: Credit reporting or other personal consumer reports

I Have XXXX inquirys on my report with Equifax not only thats I have been harmed of the data breach Ive filed ftc reports and police reports. i noticed unauthorized inquiries on my report or noticed someone applied for something in my name. 
according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year on XX/XX/XXXX of 2020 I went to XXXX 'XXXX XXXX  XXXX to purchase a new vehicle they unauthorizingly ran my credit report through four different bureaus to find me rates on my new vehicle purchase I did not authorize them in any way shape or form by signature electronic signature verbal or otherwise to run my credit through more than ally financial They persisted to run it through four different bureaus without my consent and that's against the Fair credit reporting act and against state and federal law. 
1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX. XXXX XXXX XXXX 4. Duplicate for XXXX XXXX XXXX XXXX XXXX XXXX  dated XXXX is valid. 
I have disputed this with the company itself with no response from them I took it upon myself to call each of the credit bureau is finally and have this process and the proper way to where I'm filing police reports and sending each credit bureau authorized documentation showing that I did not authorize these illegal credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Spoke with XXXX, the office of the CEO at USAA Federal Savings Bank. Car was involved in an XXXX XXXX on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact USAA Federal Savings Bank the week of XX/XX/XXXX and XX/XX/XXXX but USAA Federal Savings Bank refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called USAA Federal Savings Bank with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment USAA Federal Savings Bank has not received payment and are threatening to report my account to the credit bureau even though USAA delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. USAA Federal Savings Bank refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried within my total capacity to have Equifax remove 5 of the 7 hard inquiries on my credit report of which I know for certain were unauthorized to no avail.I had no problems with the other 2 major credit bureaus dealing with this issue.I verified my identity and was polite to them the whole time and got no where. Please help me because without any federal intervention in this particular case, these crooks might just get away with not adhering to the Fair Credit Report Act. There is information on my report which is currently invalid and therefore should be removed by this enitity. Please help me. As a consumer in the United States, i feel helpless against these kinds of things happening from such powerful institutions such as Equifax. Only the government, i believe, can help me at this point. Thank you for considering this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of False Collection from Credit Report Dear Sir/Madam , I am writing to formally request the removal of a False collection account from my credit report. The collection account XXXX XXXX  XXXX ( XXXX ) THIS ACCOUNT IS CONTINUOUSLY REPORTING FALSELY ON MY CREDIT PROFILE HINDERING ME FROM OBTANING NEW CREDIT! 

I HAVE DOCUMENTS FROM THE CREDITOR XXXX XXXX  CONFIRMING NO AMOUNT IS OWED AND ALSO A SUBJECT FOR REMOVAL LETTER! 

ATTACHED WILL BE A STATEMENT FROM XXXX XXXX  VERIFYING FALSE INFO AND REQUESTING REMOVAL.
Product: Student loan

I am currently repaying my student loans to Navient on a " work out '' program they offer. This program allows me to ONLY pay the interest payments which does not reduce my actual principal balance. My regular monthly payment is too high for me to pay on a regular basis.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. 

Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. 

The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. 
Verify the accuracy of the charge-off, including the original terms and any payments made. 
Provide evidence supporting the reported charge-off. 
Remove this item from my credit report if it can not be verified as accurate. 
Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. 

Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

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

TransUnion File # XXXX XX/XX/2018 Transunion has Club Subscription Activity on my file as XXXX XXXX XXXX XXXX and I have never requested and opt out of promotional as well I never applied or requested XXXX XXXX XXXX. Please provide documents of such with my name and signature as stated on my credit file by TransUnion
Product: Consumer Loan

My husband recently received an end of lease inspection from U.S. Bank for a XXXX XXXX. This was our XXXX vehicle lease but XXXX through U.S. Bank so we have XXXX times prior gone through a lease inspection with no charges imposed for ordinary wear and tear. I am an XXXX. In my opinion, the lease inspection was a joke and this particular institution is improperly using the inspection process as a profit center. Damage that was clearly ordinary wear and tear ( minute scratches on bumpers ) was categorized as excessive. A small dent on a passenger door valued at {$1500.00}. Most ridiculous, a {$200.00} charge for a missing car manual which was actually present ( in the glove compartment ). Apparently blind to the obvious, the inspector never even asked if my husband had the manual. A U.S. Bank customer service representative said we would be charged for the manual, even if returned with the vehicle, unless we took the additional step of ensuring the dealer wrote the bank a letter confirming that the manual was present. This is a ridiculous shifting of the burden of proving damage. 
A quick internet search indicates that there are many complaints that U.S. Bank is " inventing '' damage and collecting excessive fees for ordinary wear and tear. A complaint letter I drafted to XXXX XXXX, General Counsel at U.S. Bank, went unanswered.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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.

Equifax 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: Credit reporting or other personal consumer reports

While examining my credit report, I came across a number of hard inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, You might want to actually read this. I just found out about the data breach that took place after recently checking my Credit Report. Instead of filing the attached lawsuit against you I am giving you one shot to correct this. 

The breach resulted in permanent release of my permanent data, including my social security number. I have marked in the attached copy of my Credit Report items that DO NOT BELONG TO ME and I want them removed as they make no regard for accuracy per the Fair Credit Reporting Act. 

I have contacted each of the creditors listed and they are less than helpful, which is why I am now coming to you because you are now responsible. Also you have a fake name for me listed XXXX XXXX this also should not be on my Credit Report, clearly you do not have accurate information yet you continue to cause me harm. 

Please consider this my notice that if you do not remove these items I will file the attached lawsuit.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The 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 accounts that i have Included screenshot Listed on this complaint and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks Please see screenshot attached
Product: Credit reporting or other personal consumer reports

On XX/XX/ 2023, I wrote XXXX requesting that they remove all inaccurate names and update to my legal full name. They list XXXX names for me which are inaccurate. 

I mailed XXXX the required documents, social security card, driver 's license and also a copy of my electric bills as proof. All documents confirm my full name and address. 

I made this request because I am deeply concerned about identity theft and should have only one name on my credit report. 

This request was sent via XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 

XXXX has not updated the personal name information on my credit file, leaving me exposed to potential identity theft.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute inaccurate and unverifiable information on my credit report, as furnished by Equifax and Experian, in accordance with my rights under the Consumer Financial Reporting Act ( CFRA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I request the immediate deletion of the following accounts that have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX  XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to these company telling them I was a victim of fraud someone tried to get something in my name and had my credit pull and know there are inquires reporting on my credit that is nor accurate or belong to me. I request them to remove it from my credit. I also mail a letter to Experian explaining that there are inaccurate information on my credit report.