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

According to Experian, XXXX and XXXX my report publish information should be removed. Inquiries on my XXXX report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
Product: Credit reporting or other personal consumer reports

I call Experian I even set up online account trying to dispute, this fraudulent inquiries that I didn't do continue 5 & 20 of same name company I call I was told get credit bureaus correct all 3 credit bureaus XXXX XXXX Experian. I'm tried of trying correct my credit by my self it got be removed I don't go out here trying get credit back to back with same company inquiries of my credit how can I get new social security number. I can't do this for ever this is stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been fighting with XXXX to remove a fraudulent account from credit acceptance Corp. I took them to court in XXXX and I won the case as they were UNABLE to verify this account! So originally it was on all three bureaus but XXXX an XXXX did remove but XXXX keeps saying that they have verified this account and IT IS mines! But that is NOT possible as I not only took them to court but that also had been garnishing my check and ended up having to refund all of my money that they stole from me! So please help me I have requested the verified info XXXX told me they do not physically verify they take the creditors word an thats ridiculous because I need to know what they are using to get XXXX to keep fraudulently reporting this account it is really hurting my score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account 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 ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info XXXX XXXXXXXXXXXX XXXX would not allow to retrieve have all personal belonging. Soc security XXXX checks amount incorrect XXXX never delivered XXXX XXXX statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXX XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXX XXXX XXXXXXXX XXXX using my credentials as a flt attendant fraudently. Accessing my benefits and pay. Used XXXX XXXX XXXX XXXX. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this supposedly a savings acct however unable to withdraw from many more XXXXXXXX XXXX Need to speak to someone. neighbors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Also personal info stolen from by XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also XXXX XXXX XXXX XXXX they r using and selling my time never able to use data. I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a grain technology customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from Grain without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that grain has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. Grain is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to grain and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to grain and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for grain my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help
Product: Debt collection

On XX/XX/XXXX I spoke to XXXX regarding debts that Central States Recovery have in their office that I am wanting to settle and resolve. In XXXX I had a successful Chapter XXXX that discharged a lot of my debts which included debts they had in their office. In XXXX of XXXX, I filed a Chapter XXXX bankruptcy that covered new debts that I had in their office. On XX/XX/XXXX, my Chapter XXXX bankruptcy was dismissed, so I contacted Central States Recovery regarding the debts I knew were included to attempt to settle them and get them closed out. I gave her approximate amounts but she said that she couldn't find the exact amounts. So I asked her to just tell me the ones the showed reactivated and asked for date of service. When she began listing the ones that were covered by my Chapter XXXX I advised they were not to be collected on because that case was successfully discharged. She was very rude, over talked me, laughed and said she had been collecting debts for 20 years and had never heard this and didn't know what to do. I then asked her to please not listen to respond but to just listen to what I am saying and that I had a successful chapter XXXX discharge in XX/XX/XXXX, so debts before that date were uncollectable and that I just wanted to take care of the current ones. She then again rudely interrupted me and said that she had a notice that my bankruptcy was just dismissed. I again exclaimed that she was not listening to me. She then said she was not dealing with my accounts and that legal will just handle them. I want to settle my accounts that are valid but they are also attempting to collect on ones that should not be collected on in a violation of Federal bankruptcy laws. Now she is saying I can just deal with legal because she chose to not listen or understand the situation when I was clearly trying to resolve my debts.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief after discovering inaccurate accounts on my credit report today, with no clue how they got there. Ive made a habit of checking my report, but this time, errors suddenly showed up. I thought it might be a browser glitch, but refreshing didnt helpthese inaccuracies persisted. To resolve this, I urge you to carefully verify the documents Ive provided so I can stop worrying about this ever happening again.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a credit builder loan with Moneylion. The promise for paying off the loan was that credit reserve funds will be disbursed to my account once paid off. Ive waited over a month and still no resolution. Ive called and chatted with different representatives and they have given me the same answer, thats its with our investigation team. I am not sure why its taking this long to investigate a process that Moneylion themselves promise to their customers.

Ive been a loyal customer with Moneylion for years and never had an issue with their products until now. Ive experienced financial burden from budgeting as a result of the credit reserve funds not being released.
Product: Credit reporting or other personal consumer reports

**Formal Dispute of Inaccurate Credit Reporting under the FCRA** **To Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about XXXX failure to properly investigate consumer disputes. 

In a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law. 

I formally request that XXXX : XXXX. XXXX a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account XXXX. Provide all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as required by law. 

Given the CFPBs recent findings, I expect XXXX to address this dispute with the highest level of diligence and in full compliance with legal requirements. 

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation. 

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

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

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated one account was deleted and it reported 6 different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY. 

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding Lockhart , Morris & Montgomery , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of Lockhart , Morris & Montgomery , Inc to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.

Sincerely, XXXX XXXX XXXX
Product: Debt collection

When I went t o the Hospital, I su bmitted my health insurance card, they assured me that they would send me a bill. They never did, nor did receive anything from them. I gone to this hospital for 9 ye ars ( at least 30 different times ). I have always paid them their payment. This these two times they never send me anything. I need a fair opportunity to pay this bill, so I can pay the bills and I need this removed from  my credit.  <P/> COLLECTIONS Original Creditor  XXXX   XXXX   XXXX   XXXX  Opened Date      XXXX   XXXX   XXXX              CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX   {$42 0.00} Original Creditor  XXXX   XXXX   XXXX   XXXX  Status Open Opened Date    XXXX   XXXX   XXXX    CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX      {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Summary of Complaint : I am filing this complaint against American Express due to lack of clear disclosure, unjustified interest charges, and refusal to provide a prorated refund for my annual membership fee. 

In XX/XX/XXXX, I paid the full annual membership fee for coverage until XX/XX/XXXX. 
My card was set to expire in XX/XX/XXXX, and because I would be abroad when the replacement card was mailed, I chose to close my account on XX/XX/XXXX. 
At the time of cancellation, the American Express representative never informed me that : A specific due date ( XX/XX/XXXX ) existed to pay off my balance. 
Interest would continue accruing indefinitely on a closed account if the balance was not fully paid. 
Had I been explicitly told that I needed to settle my balance by a specific date to avoid interest, I would have kept my card open and paid accordingly. Instead, Amex failed to disclose this critical information, leading to {$200.00} in interest charges after cancellation. 

Key Issues with Amexs Handling of My Account : Failure to Disclose Due Date at Cancellation : Amex later claimed that my XX/XX/XXXX, statement mentioned the due date ( XX/XX/XXXX ). 
However, this statement was generated after my account was already canceled. 
At the time of cancellation, the customer service representative never informed me of this due date. 
Lack of Clear Disclosure About Ongoing Interest Charges : Amexs standard disclosure only states that outstanding charges will be billed, which is vague and misleading.

At no point was I informed that interest would continue to accrue indefinitely after my account was closed. 
Refusal to Provide a Prorated Refund for My Membership Fee : I paid for a full year of service in XX/XX/XXXX, covering me through XX/XX/XXXX. 
Since my account was canceled in XX/XX/XXXX, I lost access to the benefits I had already paid for. 
Amex refused to issue a prorated refund, keeping my unused six months of membership fees without providing service.

Failure to Provide a Justified Refusal in Writing : I requested a formal written denial with clear justifications, but Amex only provided a generic response.

They failed to address why their representative did not inform me of my final due date at the time of cancellation.
Product: Debt collection

I am writing today because I am having an issue with a collection agency reporting data to my consumer credit file. I have asked for validation, be it documentation or other documents in compliance with my rights under FCRA. Twice I have asked and twice nothing is provided on this account. They stamp the file FCRA compliance and do nothing to comply. I have no knowledge of the item reported. I am asking assistance in forcing the reporting agency to comply with the law and if it fails to do so, as it has with me on multiple occasions to have the information removed from the 3 credit reporting agencies just as now they have placed it there.
Product: Credit card or prepaid card

On XX/XX/19, I upgraded my working XXXX XXXX to an XXXX XXXX. I had an existing Apple Card, issued via XXXX, and used that as the form of payment. The card can only be accessed through the 'XXXX ' app on the phone and there is no other website to do so. Since this date, I have spent hours upon hours in attempts to get Apple to respond and correct an issue in which I have no access to this account. I can not verify the purchase made, I have no access to the daily cash back, I can not review and receive credit card statements, and I can not make a payment. In fact, the 'XXXX  ' app indicates Account Services Are Unavailable, Please Try Again Later when I try to do so. I have allowed Apple to install keystroke app on this phone, they have accessed and shared the screen, and they acknowledge there is nothing that I have done to cause this and their solution is to call XXXX and payoff the phone. While it is really not the phone that is an issue but rather the inability to access my account, verify the charges, and make payments but Apple - in their partnership with XXXX - has advertised this Apple Card product as being entirely managed within the XXXX app though a technical issue prevents me from being able to even verify the account. From missed return calls to no response from their Engineering department to XXXX simply transferring me repeatedly back to Apple, I am stuck in the loop of an endless technical difficulty that will soon ruin my credit. They are unable to even provide me with a statement and neither can I even access my credit card number to provide you for this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal info : Former : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Attn : Complaint Department   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insu rance C. Employment D. Court Order The following  credit inquiries are related to none of the aforementioned permissibl e TD Ban k (  XXXX / XXXX / XXXX  )  XXXX   (   XXXX / XXXX / XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Please remove these incorrect previous address off my report.. I have never lived nor ever visted these address or states. 
XXXX TX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ALSO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX