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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit score was reduced because of a so-called nonpayment. I specifically told XXXX not to send router or sign me up for their services. ( I have an email that states that ) I appealed 4 times to XXXX which denied my dispute. I contacted them and the collection agency and XXXX to no avail. My credit rating has always been XXXX before this incident.
Product: Mortgage

I refinanced my mortgage with Wyndham Capital. My  mortgage was with XXXX prior to the refinance. On XX/XX/XXXX XXXX sent a payoff statement to Wyndham. However, the payoff statement was inaccurate because I had  cancelled my XX/XX/XXXX payment but XXXX included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX XXXX realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to Wyndham on XX/XX/XXXX. However, Wyndham never received this payoff statement and XXXX has no record that they actually sent the statement. So on XX/XX/XXXX a wire was sent to XXXX to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time XXXX contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted Wyndham on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by Wyndham on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, XXXX should have honored the first payoff statement because they have no proof they sent it. Wyndham said they would honor the XX/XX/XXXX statement if XXXX could prove they sent the fax.
Product: Credit reporting or other personal consumer reports

In accordan

ce 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. 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: Vehicle loan or lease

I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX and before the end of the 3 year lease the care was returned by a broker ( XXXX XXXX, owner : XXXX XXXX, cell ; XXXX ) to XXXX XXXX   XXXX. He forgot to get an LPW number at that time and proceeded to lease me a XXXX XXXX XXXX for another 3 years. When I decided to lease now a new XXXX XXXX, I received a letter form XXXX XXXX that I owe them another {$4400.00} representing the difference between Contract receivable and the selling price of the XXXX XXXX. I am XXXX XXXX  and I have been leasing XXXX  cars since XXXX and always given back the cars before the end of each lease period ; I have never been submitted to this type of non sense super creating billing which I believe is illegal. In addition XXXX XXXX ruined both my credit score and that of my wife because several XXXX dealers told me that if I add my wife as co-leasee, they would approve a new lease -- subsequently I got several letter of denial stating that I owe money to XXXX XXXX and my credit score is too low. I add that I have a duplex in XXXX and a house upstate and no loans to pay to any entity..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Equifax need to remove this hard enquiry as XXXX XXXX said to contact equifax and equifax said to file an FTC report and this where FTC is directing me here. So, Im writing here. 

I would like to know how you verified the following information listed below when it is clearly inaccurate : Did you call the original furnisher or just look at the information in your database? 


XXXX XXXX XXXXXX/XX/2023 : Account number : XXXX, XXXX. 

Can you delete this ASAP and send me and update. 

Please provide me with the following information within 15 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Transunion, to determine the accuracy and completeness of public information. XXXX verbalized to me that the information was verified by the Bamkruptcy Court, but stated that I would receive a written statement in 5-7 business days.  I received a written response within the allotted timeframe but it was my credit report which stated "Transunion obtained information about your bankruptcy from third-party vendor: XXXX ..." I contacted Transunion via phone to clarifiy there process and I did't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers) it is a violation of my rights as a consumer and the information should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed I have multiple inquiries on my credit report thats not mines and I didnt authorize anyone to run my credit- I need these items deleted off my credit asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it is opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Product: Debt collection

Company is IC Systems, XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX or XXXX XXXX XXXX XXXX They are attempting to collect for XXXX Pet Hospital, XXXX  SC. on a health contract for my Dog they XXXX. We have the XXXX report, if you need it. XXXX has many, many negative reports for doing the same to other customers. Also class action suits on file. They have listed me with 2 reports with balance of {$290.00} plus added on fees of {$51.00} each.
Product: Checking or savings account

There was a first CFPB complaint that I had made to Huntington regarding fraudulent behavior at the bank closing my account. There was a resolution drafted by Huntington regarding this fraudulent closing of my account that indicated all related Huntington accounts were closed ( attached ) on XXXX. I made a second complaint regarding additional email harassment from Huntington and being locked out of my Huntington online account since the first complaint was filed on XXXX because I wanted to try turning off the emails on their website. Regarding this second complaint, I received a letter ( attached ) on XXXX stating that Huntington has a Standby Cash account connected to my Checking account which I had understood was closed based on the Huntington resolution to my first CFPB complaint on XXXX. The statements Huntington provided with this letter clearly state " YOUR ACCOUNT IS CURRENTLY CLOSED ''. In addition, the letter explicitly states " that as of the date of this letter you have no open accounts with Huntington. '' The date of that letter is XXXX. 

Huntington very clearly indicated in their letter and response to my first CFPB complaint that all of my Huntington accounts were closed. This was again confirmed in the letter and response to my second CFPB complaint however Huntington is now fraudulently requesting payments for an account they admit is closed after they barred me from doing business with them and cost me hundreds of dollars in time having to change bank accounts and re-route all my bill payments. Huntington also continues to block me from accessing my account on their website where I could potentially turn off their emails which continue to harass.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, Equifax Information Services LLC a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 1.Identity Theft. XXXX XXXX XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2.Validate Account XXXX XXXX XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 3.Identity Theft. XXXX Account XXXX i dont recall having latepayment on this account 4.Identity Theft. XXXX XXXX XXXX Account XXXX 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 5.Identity Theft. XXXX XXXX XXXX Account XXXX Please remove it from my credit report. 6.Identity Theft. XXXX XXXX XXXX Account XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or 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 a result of identity theft and fraud.
Product: Debt collection

My small business phone receives messages from RSI Enterprises at least twice a month stating that they are calling about dept collection. I am trying to conduct my business and these messages are being relayed to my employees that answer the phone continuously.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected. Transactions with XXXX XXXX and others were executed fraudulently without my authorization. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act and Regulation E. As a result, I suffered financial losses.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your bureau and would like to dispute the accuracy and completeness of the following information. This incorrect information is negatively impacting my credit report, and I request that you correct it immediately. The specific information I am disputing is as follows : I expect your investigation to be completed within 30 days. Once the investigation is concluded, please provide me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who were contacted. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by LVNV Funding, LLC, through a law firm c/o XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS , for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with XXXX XXXX back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXXVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX ) only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.
Product: Payday loan, title loan, personal loan, or advance loan

I have a title max loan that I have been paying {$130.00} on for over a year and Im still owning the same amount, none of the payment is going toward the loan except about {$.00} cent and I havent missed a payment Im on a XXXX XXXX of XXXX and Im constantly struggling to make my payment every month but wheres my money going because its not bringing my balance down and the manager is constantly XXXX  to sent the XXXX  man at the car even if its a day late I need help on wheres all my money at that I have paid over a year and the balance is still the same if I wouldve known this in the beginning I wouldve never gotten a loan with company where the balance doesnt decrease but on by {$.00} cent with payments of {$130.00} for more that XXXX payments will I ever be able to pay this loan off.
Product: Payday loan, title loan, personal loan, or advance loan

So i cant pay off the loan since its too much interest and its affecting me greatly. im on a current payment plan and paid off one or two installments already but its impacting my finances greatly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacting cfpb because my account was paid off on XX/XX/2021 and its still reporting on credit as a active account. 

I disputed the account with credit and the account was still updated with a balance of 13k when the balance has been zero for a year. 
My credit need to be updated immediately
Product: Credit card or prepaid card

During this pandemic, even if its too hard to make payment i am still able to make my monthly payment, but when i was unable to pay this XXXX because due to covid and no more unemployment benefit. I had ask them until when i can make a payment. They said I have until XXXX XXXX. But when now i am ready to make payment and Had look my account just now XXXX they had close my citi preferred card. When I told them i would make a payment as soon As i get my funds. I did not want them to close my account because i dont want to ruin my credit score. Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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 XXXXXXXX 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 XXXX 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: Credit reporting or other personal consumer reports

After reviewing my consumer report, I see that the unauthorized inquiries still persist. Despite having communicated with XXXX and TransUnion and requesting a reinvestigation, regrettably, the issue remains unresolved to this day. 

XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.