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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2022 when researching mortgage interest rates, I came upon Bankrate 's website offering a {$200.00} gift card if I submitted my information to obtain mortgage quotes and if my loan actually closed with XXXX of the quotes provided. See attached email with qualifying code. I received a quote from XXXX among several other lenders, and chose XXXX due to it having the lowest interest rate. My mortgage closed on XX/XX/2022. Shortly thereafter in XXXX I submitted all the closing paperwork to Bank XXXX to obtain my gift card, please see attached emails from Bankrate confirming receipt of all paperwork and assurance that my gift card was processing and would arrive " soon ''. 2 months went by and I followed up again on XX/XX/XXXX asking about the status and was told the gift card would be shipped soon. XXXX more months went by and I followed up in late XXXX asking for the status and was told there were " fulfillment issues '' with their vendor and they were working on it. I followed up again on XX/XX/2022 and today XX/XX/XXXX and have not received any further responses. This advertising is false and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my profession, now retired XXXX XXXX I have been monitoring my credit reports. This was mainly due to security server breach in XXXX XXXX and XXXX exposing my personal information in XXXX of XXXX that continues to date. Ive had to fight constantly with experian over incorrect information with either credit reporting or wrong information. There is now an active military alert on all three credit reporting agencies. On experian, I noticed a soft inquiry, where it just reads requested from court on XXXX occasions, XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. I have written to experian once, emailed there customer service once and attempted several time, over ten times to call them on different phone numbers and dates for an explanation to this soft inquiry, as to who this is and information to this entity asking for soft inquiry information from experian. Experian has not answered me other then an email, telling me to call there customer service # they provide but no one answers the phone. Ive been on hold every time I call, sometimes for over an hour with no response, only to be disconnected. I want an answer to this court listing on my experian credit report on the dates provided above, the contact information from this entity, location and any related information so I can contact them as to there reasoning to run a soft inquiry on my experian credit report. As working in law enforcement, and knowing people abuse our systems, I want an answer and information from this court listed as asking for a soft inquiry on my experian credit report. FYI. This entity is not listed on my XXXX XXXX or XXXX credit report, only experian. I have reached out to fellow active government employees who have no information to such but would know. The idea that this soft inquiry on experian only and not XXXX XXXX or XXXX is alarming to me and I would like an answer from experian with information to this entity asking for the soft inquiry on dates I provided
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and it had fraudulent accounts that preventing me from obtaining credit
Product: Credit card

I believe the account is invalid. BANK OF AMERICA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. BK OF AMER XXXX
Product: Debt collection

THEY CONTINUE TO CALL AND HARASSE ME SAYING THEY GON NA HAVE ME ARRESTED I EXPLAINED TO THEM SO MANY TIMES THAT THEY HAVE THE WRONG PERSON I HAVE ASK TO SEE WHO NAMES ARE ON THE CONTRACTS AND NEVER WAS PROVIDED WITH THAT INFORMATION
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Builder Account Reporting on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a credit builder account that appears on my Experian credit report. I have identified this account as fraudulent or mistakenly attributed to me, as I have never opened or authorized such an account. 

The specific details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Reported : Closed Account Reason for Dispute : This account does not belong to me and is being reported in error. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccurate or incomplete information on my credit report, and you are required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. 

As this credit builder account is clearly not mine, I am requesting that Experian promptly investigate this matter, verify the accuracy of the information, and remove this erroneous account from my credit report. I have enclosed a copy of my credit report with the inaccurate information highlighted, as well as a copy of my identification to assist you in your investigation. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation, including a corrected copy of my credit report once this inaccurate account has been removed, as required under the FCRA. 

I expect this matter to be resolved promptly, in accordance with FCRA guidelines. Failure to remove this incorrect information may result in further action to enforce my rights under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have not done business with this company and they 've been calling my number about someone else 's bad debt. This company has called for two months now. I have called them on THREE various occasions to inform them that the person they are trying to reach is NOT at my number. Each time they have apologized and said they will remove my number from their records. They have not. Calls continue and I am sick of trying to work with them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several letters to all XXXX credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Dealer Services regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. Wells Fargo Dealer Services has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : Wells Fargo Dealer Services Discrepancies : Account Rating : Wells Fargo Dealer Services has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my credit history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my creditworthiness is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with Wells Fargo Dealer Services, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel Wells Fargo Dealer Services to correct the inaccuracies in my credit report. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.
Product: Debt collection

Noticed a collection on my account that does not belong to me. Please remove from my profile 15 U.S. Code 1692c Also there are two 30 day lates from 2 closed accounts at XXXXXXXX XXXX  that was an error. Spoke with bank and they have agreed to remove. 15 U.S. Code 1666b Can you also remove unknown inquiries off my report that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX and XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date Opened : XX/XX/ XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have recently reviewed my XXXX, XXXX XXXX, and EQUIFAX consumer report and see there are unauthorized inquiries and accounts reporting that I did not initiate nor did I benefit from any of them. The accounts listed on XXXX XXXX are fraudulent reporting from creditors XXXX  account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX XXXX date XX/XX/year>. 

The fraudulent accounts listed on EQUIFAX are XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on EQUIFAX is unauthorized hard inquiries from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The fraudulent accounts listed on XXXX are XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX.
Product: Debt collection

XXXX XXXX, the collection agency for XXXX XXXX XXXX  is reporting that I have a missed a payment 4 months ago for an account they have been trying to collect for 4 years. Because I repeatedly disputed it to have it removed, they updated the information as if it's current and accurate information. It's damaging to my credit and reputation. 
Please remove the account permanently from all three bureaus. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 XXXX
Product: Vehicle loan or lease

The dealership told me that if I stayed in good standers for a year that I could come back and upgrade my truck to something better that I really wanted so I did and the dealership said that I couldnt upgrade so I called Chrysler capital to refinance my loan and they said they dont refinance their own loans and to me all that was a slap in the face!!!!!
Product: Checking or savings account

Navy Federal Credit Union charged my account {$29.00} for a returned check fee that I did not do. I also have no way of writing checks or authorized any e-checks. Navy Federal Credit Union also has not turned over complete banking records to prove the money they took from my tax refund was appropriate. They are not providing the charges but summary of banking credit and debits. If Navy Federal Credit Union can not prove the claims I owed this money it should be returned immediately.
Product: Debt collection

I had a account with XXXX XXXX company. It has been over 10 years and they are still trying to collect XXXX from me and they keep going through different collectors its currently with I C systems I tried to dispute it but they are telling it hasnt been 10 years which in fact it has been. XXXX keeps giving different collectors my account.
Product: Credit reporting or other personal consumer reports

Make a validation with all of theinformation Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union CorpXXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax about the inaccurate information they are reporting on my consumer report numerous times. They have not sent any method of validation on these items or have they followed procedure to ensure maximum possible accuracy of my report. I swear under penalty of perjury that this information is true to the best of my knowledge.
Product: Debt collection

XXXX remember this debt or not sure whom it is or if it belongs to them at all.
Product: Consumer Loan

I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.
Product: Credit reporting or other personal consumer reports

To Whom it may concern : Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings I filled an Identify thief report # XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX., XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Thanks,
Product: Vehicle loan or lease

After missing payments before COVid-19 and then being told not to make payments during the pandemic because of the state the country was in. After returning to making payments the company XXXX XXXX XXXX or XXXX ) sets higher payments and know you cant afford or make them ( the called them promised payments or payment arrangements ). They dont offer deferred payments something not mentioned when purchasing the car. They also constant threaten you with repossession. Picking the car up several times during the year to try and force you to make payments. Payments are not applied to the principal. Almost done with the loan and still owe more than half of it. They constantly harass you from XXXX to XXXX everyday by call multiple times even when you have spoken to someone already. I feel my complaint is similar to the New York class action lawsuit. The company is abusive and predatory lender. My credit report and score is worse since borrowing from this company because of how it reports its late payments and information. I consider myself a hard working XXXX whom is being taken advantage of because of my circumstances
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOTPROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. MY FTC REPORT AND IDENTIY VERIFICATION HAS BEEN SUBMITTED TO YOU ON SEVERAL OCASSIONS. 

XXXX XXXX XXXX XXXX XXXX YOU ARE REQUIRED TO DO WHAT IM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX is NOT my account. I have NEVER agreed upon a account with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report that I have asked that it be deleted. My name is XXXX XXXX this is my only name. My address XXXX XXXX XXXX XXXX XXXX SC XXXX this is my only address and any other address is not mine and needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : - Creditor Name : Mariner Finance ( MARINR FINC / MARINERFIN ) - Disputed Items : XXXX. Inconsistent Account Balances- XXXX reports a balance of {$2900.00}, while XXXX and XXXX report {$2900.00}. 
XXXX. Incorrect XXXX XXXX XXXX - XXXX shows {$2900.00} as past due, which differs from the other bureaus. 
XXXX. Date Closed XXXX - XXXX lists the account as closed on XX/XX/XXXX, but XXXX and XXXX do not show a closed date. 
XXXX. XXXX XXXX Variations - The creditor 's name is listed differently across the bureaus, which XXXX indicate an error. 
XXXX. Last Reported Date Inconsistencies- XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 
XXXX. Date Opened Discrepancy - XXXX reports the account opened on XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the update or removal of the late payment entry listed on my credit report for XXXX XXXX XXXX and XXXX XXXX, as it is incorrect and does not accurately reflect my records. Additionally, I have noticed an unauthorized inquiry on my credit report that I did not authorize and would like it removed. 

Both of these items are negatively affecting my credit score, and I kindly ask that you investigate and take the necessary action to resolve these issues.

Thank you for your prompt attention to this matter. I look forward to your response.