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

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SETF/WOFC, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX was the original servicer of my loan ( Mortgage ). On or about XXXX of 2019 my mortgage servicing was transferred without notifying me. I continued to pay my mortgage on time to XXXX as I have always paid all my loans on time and have never had a late payment. On or about mid-XXXX  I received a foreclosure notice from Mr. Cooper and called them right away. Mr. Cooper stated my servicing was transferred to them by XXXX in XXXX and have received no payments for XXXX, XXXX, and XXXX of 2019. I paid XXXX every month on time for these months and have my online payment confirmations to prove this. Little to my knowledge XXXX was accepting these mortgage payments and holding them for 30 days or more and then returning them to my bank electronically. Instead of XXXX notifying me of the transfer or forwarding my timely payments they held them and later returned them. I have repeatedly tried to resolve this with Mr. Cooper and had them do an investigation with no success. I brought the account current as soon as I figured out what happened as I have always had the money to pay all my bills on time. This now has caused me credit hardship, the inability to take advantage of low rates and or make economical future purchases. I would like all late payments to be expunged/removed from all reporting agencies to include XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I sent in an identity theft report XX/XX/XXXX stating I had unauthorized inquiries on my credit report with TransUnion. I sent a copy of my ID and also a copy of the Identity theft affidavit to block these accounts also also inquiries they have not done anything at all and have been non compliant stating they never got the information or anything I sent. The accounts are XXXX  XXXX XXXX Open date of XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

See attached letter. 

In summary, Educational Credit Management Company submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I opened an account with XXXX XXXX COMENITY BANK to pay off a Engagement ring monthly. My credit shot down XXXX points. I owed {$1000.00} to begin with and now only owe {$460.00}. I have made on time payments every month, paying more than I owed every month. My credit score is not reflecting this since they are not reporting to the credit bureau. 

I need my credit score to reflect my on time payments to comenity bank.
Product: Credit card or prepaid card

I applied for the chase/Amazon credit card and they said you can finance stuff at Amazon for six or twelve month promotional plans, but it seems they removed the feature and still advertise the equal payment plans. Advertising is misleading on the Amazon website.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of the XXXX XXXXXXXX XXXX XXXX account ( Account XXXX : XXXX ) from my credit report. According to your records, this account is listed as charged off, with an amount of {$470.00} written off and {$530.00} past due as of XX/XX/year>. 

Under 15 U.S.C. 1681e, the Fair Credit Reporting Act ( FCRA ) mandates that all information reported to consumer credit files must be accurate, complete, and verifiable. Additionally, 15 U.S.C. 1681i requires that when a consumer disputes an item on their credit report, the credit reporting agency must investigate the dispute and correct or delete any inaccurate or unverifiable information within 30 days. If you can not provide documentation verifying the charge-off and past-due amounts, you are legally obligated to delete this account.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement procedures to ensure maximum possible accuracy. I dispute the accuracy of this account and demand a full investigation. 

If you can not validate this information, I demand immediate deletion of the XXXX XXXX XXXX XXXX  account from my credit report. Failure to resolve this dispute within the 30-day statutory period will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the state attorney generals office for failure to comply with the FCRA.

Please send me written confirmation of your actions regarding this matter within the required time frame.
Product: Credit reporting 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. 
Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights .

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

Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX 2019. I disputed this information as I was told to do by a represenative they still reported a late payment
Product: Credit reporting or other personal consumer reports

See attached documents. This is my last hope at resolving this.
Product: Credit reporting or other personal consumer reports

am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX secured credit card. They did not provide me with the original application like I asked. 

Also, my entire {$5000.00} deposit was not returned within 10 weeks once my account was closed. I secured the credit by providing XXXX a {$5000.00} deposit. XXXX has not only refused to return my deposit but is also reporting a collection account in my personal credit profiles with XXXX, XXXX XXXX Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus ( experian, XXXX, XXXX ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having identity theft on my credit reports I been disputing them. N telling them I want original contract and that it's fraud and it doesn't take it off it says accurate when it's not. I didn't even have that address it says I lived at and it still won't take it off.

Also I had a freeze on my credit yet it kept putting stuff that I didn't do on my report even inquiries pls help me
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024 under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed AMERICAN EXPRESS ( AMEX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by AMERICAN EXPRESS ( AMEX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted AMEX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

I am resending this complaint regarding the unauthorized inquiries on my credit report. I am pleased to note that many unauthorized inquiries have been removed, for which I am thankful. However, some still remain, and I am once again requesting your assistance in removing them. According to the law, you are required to remove all unauthorized inquiries listed in my identity theft report. Below, I have provided a list of inquiries that I would like to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, XXXX XXXXXXXX, XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Payday loan, title loan, personal loan, or advance loan

Before I became delinquent, I reached out to them earlier in the year, requesting a skip a pay but was informed I could request for more money, or I had to pay them {$100.00} for the skip a pay. 

XX/XX/XXXX XXXX from the collection department contacted me to inform me I had past due payments and was inquiring if I could make the payment. I informed him I made a payment on XX/XX/XXXX. He asked when I would be able to make another payment, I informed him I make the payments at the branch, and it did not make sense for me to provide a date ; because they still call and harass me when the payment was received. He advised ; they could call me six times a day to collect due to my payment being delinquent. I requested an itemized statement and his address so I could send a ceased and desist letter of harassment. He stated he could not provide me with an itemized statement, and he did not know his office location. 

I had to search for the mailing address.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an account was opened in my name with Kikoff Lending LLC. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided several times proof of incarceration to XXXX & Equifax and also the creditors, to show I was XXXX  during the time these accounts were established. 

Please see the accounts reporting on my credit report XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX and also inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US Sm Bus Admin ODA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX  which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report.

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXIdentity Theft. 
XXXX Account NumberXXXX  I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX.Identity Theft. 
XXXX Account Number:XXXX  Please investigate and delete from my credit report. 
XXXX XXXX XXXX  Account Number:XXXX Please remove it from my credit report. 
XXXXIdentity Theft. 
XXXX Account Number:XXXX XXXX.Identity Theft. 
XXXX XXXX  Account Number:XXXX Please ensure that all information is accurate XXXX.Identity Theft. 
XXXX Account Number:3XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXXIdentity Theft. 
XXXX Account Number:XXXX XXXXIdentity Theft. 
XXXX Account Number : XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : XXXX. Defamation of Character XXXX. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance XXXX. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance XXXX. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification XXXX. Violations under 15 USC 1681 a ( 4 ) right to privacy XXXX. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I initiated a check payment ( XXXX XXXX ) for {$1300.00} for XX/XX/XXXX going to a recipient I have been making payments to once a month for last 5 months. The recipient reached out on XXXX stating that they haven't received by payment by XXXX ( the due date ) and hence will be charging a late fee. I reach out to Capital One on XXXX and ask them about the status and all they can tell is that it is " outstanding ''. Without providing much info they advise me that I should claim for refund. I initiated a claim for the amount ( {$1300.00} ) + fee ( {$75.00} ) over the phone. The rep confirmed it but on email confirmation only showed {$1300.00}. When I called again the rep was very antagonistic and refused to provide any info stating the team will review and the review can take upto 45 days. 

Now, I am stuck with {$1300.00} amount already deducted from my account on XX/XX/XXXX and still needing to pay my recipient along with the fees.