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

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Credit Acceptance Corporation regarding two unauthorized hard inquiries on my credit report, which are negatively impacting my credit score. 

On XX/XX/year>, I applied for pre-qualification through Credit Acceptance Corporations website. As per industry standards, pre-qualification should only result in a soft inquiry, which does not affect a consumers credit score. However, after reviewing my credit report, I discovered that Credit Acceptance Corporation conducted two hard inquiries instead of a soft inquiry, which is incorrect and unjustified. 

A hard inquiry should only be performed with a consumers consent when applying for actual creditnot when seeking pre-qualification. This misclassification is harmful to my credit standing and could affect my ability to secure future credit opportunities. 

I contacted Credit Acceptance Corporation to request the removal of these two incorrect hard inquiries, but no action has been taken. As this practice misleads consumers and causes unnecessary harm to credit scores, I am seeking CFPBs assistance in having these unauthorized inquiries removed from my credit report immediately. 

I have attached a copy of my credit report reflecting the two unauthorized hard inquiries for your review. Please let me know if any additional information is required. I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I Received my credit report from trans union so I can dispute hard inquiries DISPUTE HARD INQUIRIES ASAP- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I was a guarantor for my friend 's apartment rental lease. She has always maintained good credit standing. 

On XX/XX/XXXX, without any prior notice, I received an email informing me of a collection on my credit report. 

After checking the details, I immediately contacted my friend. She confirmed it was from her previous rental management company. When asked about any unpaid final bills, she explained that she likely missed notifications because her school email account had been discontinued. She immediately attempted to contact the property management company through multiple channels ( phone calls and in-person visits to the leasing office ) to pay the debt and request removal of the collection record. We emphasized that we had never received any communication about this debt before the collection agency notice. 

Although we have paid the property management company in full later, they have not removed the collection record despite their promises to do so. The property manager appears to be deliberately avoiding our attempts to resolve this issue. 

XXXX : XX/XX/XXXX discovered collection record on my credit report with no prior communication from the property management. ( I received only one move-out bill email in XX/XX/XXXX, with no subsequent overdue notices. I had assumed my friend paid this bill. ) XX/XX/XXXX called the leasing office ; no answer XX/XX/XXXX visited the leasing office ; no staff present XX/XX/XXXX visited the leasing office ; staff provided payment instructions ( money order ) and promised the manager would delete the collection record XX/XX/XXXX visited the leasing office ; no one present despite note stating " back in XXXX minutes '' XX/XX/XXXX delivered money order to leasing office and received payment receipt ; manager promised to delete collection record XX/XX/XXXX contacted collection company ; they had no record of property management 's deletion request or payment update. Sent email to leasing office requesting collection record deletion statement. No response received to date. 
XX/XX/XXXX visited office ; informed manager would only be in office on XX/XX/XXXX XX/XX/XXXX made XXXX phone calls to leasing office ; no answer XX/XX/XXXX leasing office staff said manager was sick and would return on XX/XX/XXXX XX/XX/XXXX leasing office staff said manager was not present XX/XX/XXXX leasing office staff said manager was still sick and others can not handle this matter XX/XX/XXXX collection account reported as " Derogatory '' XX/XX/XXXX leasing office staff said manager was not present
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with Toyota and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

We were subject of a fraud enacted by an account holder at the below bank Chase Bank, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXXXXXX Sort Code XXXX The account holder hacked the e-mail address of one of our vendors and advised us that they had changed their bank account and fraudulently asked us to settle 2 amounts as follows XX/XX/XXXX {$360.00} XX/XX/XXXX {$2100.00} We wrote to Chase bank on XX/XX/XXXX and tried reaching the manager by phone since but they do not return our letter or phone calls. We need to know the fraudulent account details such as name and address so we can file a police report and reclaim or lost funds. We also request refund of this money from Chase Bank for allowing a fraudulent account to be opened by their account holder.
Product: Debt collection

I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at post office and no response was given.
Product: Mortgage

Loan estimates were signed but the final version asking to be signed again had twice as much on coding cost The original signed agreement had approximately XXXX as closing cost but the next version the cost for those charges indicated over XXXX dollars I paid over XXXX $ $ for appraisal fee for the application then the contact person called and stated that there is new options for the loan and asked me to sign the new document. I stated that I dont want the new proposal and wish to go with the one I already signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient said that they would send me a form to sign and verify that I am not co-signer on a student loan, but they never sent the form to me. I have since learned that the co-signer was in fact the students mother, but she put me in as co-maker because she said she could not co-sign due to being over extended. She filled out form using my info. Please send a form that I can sign so you can compare with the actual co-maker signature. I am XXXX years old and this has been destroying me. Thank you
Product: Mortgage

We have the mortgage account overdue for 931 days with the popular bank in the amount of {$13000.00} and the principal owed of {$7700.00}, adding these amounts to a total of {$21000.00}. To the extent possible, is a grant available to settle this account? Currently I work part-time, less than 25 hours, at some times he did work as a XXXX, but I need to settle that account. Like the student loan, that payroll check is debited from that student loan. {$10000.00}
Product: Debt collection

I was sent to collections with Hunter Warfield for a huge amount not owed. 

They are trying to charge me with : {$750.00} for cleaning costs for damage *not* done to a property even though I'd already paid a {$500.00} security deposit to cover those costs when I moved in {$990.00} for a month I didn't even *live* on the property and I'd given notice to vacate after an armed burglary on the property which forced me to move. 

I sent the company the documents showing the police report and notice to vacate, as well as the account ledger. 

They are now trying to get me to pay just the {$750.00} for cleaning costs that shouldn't have even been applied to begin with.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/NELN # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

CapitalOne Violated my rights as a protected consumer. They have done this by providing inaccurate information to the credit reporting agencies. In the past I have disputed this with the bureaus and they again have deliberately reported inaccurate information. The High balance, Date of last activity, date reported, date opened last payment all vary between the three Bureaus : XXXX, XXXX, and XXXX. They are also reporting that this account is closed. Being that the account is closed, per law, there shouldn't be a past due amount as past due amounts are only applicable to open accounts.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all Information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. 

Just so you know you are in violation of the FCRA and I can seek legal remedy please remove the late marking under 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thank you for your understanding and prompt action.
Product: Debt collection

My complaint is againt XXXX. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information. 

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days. 

1 ) XXXX  misplaced my private identification documents 2 ) XXXX  lied about expediting the removal of negative credit information 3 ) XXXX  gave me the run around when I tried to get this taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and are not made by me : 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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete these erroneous items IMMEDIATELY and send me an updated copy of my credit report, thank you. I have attached a copy of my ID and a FTC report. 

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

In XX/XX/XXXX I applied for PSLF for discharge of XXXX of loans. The application sat until MOHELA picked up until XX/XX/XXXX. I submitted 19 years of employment as a XXXX. The application was returned for a wet signature in XXXX but turned around in 1 day back to MOHELA where it sat until XX/XX/XXXX. No action took place to payment tracker no payment counts entered. After a complaint a tracker was added at the end of XX/XX/XXXX. The tracker sat on XXXX payments for 90 more days and was updated to XX/XX/XXXX payments in XX/XX/XXXX. EI talked to multiple representatives during the process all who had no idea what was happening promising I would surely have discharged loams by XX/XX/XXXX each time I was saying I am retiring in XX/XX/XXXX. In XXXX and XX/XX/XXXX I asked why my loans were only being eligible from XXXX when PSLF goes back to XXXX. Nothing happened in XXXX I called back XX/XX/XXXX asked the same question asking for an answer as XX/XX/XXXX retirement was approaching. I was told the rep could see my request from XX/XX/XXXX but it was canceled since it wasn't the right request and no notification to me. The rep put in a new request with a case number of XXXX. As of XX/XX/XXXX no communication and onw MOHELA out to retire, MOHELA has had months to get my loans forgiven and are causing harm to me as I am now retiring without the loans being forgiven. I have spent endless hours on the phone with multiple reps with multiple answers with misinformation. I need immediate help as this is the last week I have an eligible employer. I reached out to US Department of Ed XX/XX/XXXX no response yet. I am XXXX XXXX XXXX and widowed. MOHELA has had more than adequate time to discharge the loans and this is a due process issue.
Product: Credit card or prepaid card

Will not resolve my dispute of unauthorized charges been hung up on treated disrespectfully after getting my card and my phone stolen from me they will not ohner there terms
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these XXXX inquiries showing on my XXXX XXXX You have caused me XXXX  and XXXX XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking XXXX if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my XXXX XXXX  and provide for my XXXX  due to these inaccurate and XXXX  items. I attached a letter I previously sent.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They also did not provide me with the original contract as requested. This item was also included with a fraudulent attempt when my identoty was stolen via online in XXXX of 2021 where my social secruity number, drivers license informaiton, and email were compromised by a data breach. I also have had several fraudulent inquiries made that I did not give permission for with several companies. I would like for their to be a correction to my credit report. I demand that these items be deleted immediately. 



ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

XXXX refuse to correct the status of an account on my credit report shown as 30 days delinquent/past due for the months of XX/XX/year> and XX/XX/year>, when it is not. That is inaccurate false information! 
I provided proof & documentation to XXXX showing that I've never made a late payment nor have any past due amount owed for " The Bank XXXX XXXX XXXX XXXX account in question. But they still refuse to correct & update my account information. 
XXXX did not & does not verify the information submitted by " XXXX Bank XXXX XXXX XXXX XXXX It is bias and violates my rights as a consumer the way XXXX conducts business and handle investigations!