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

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : 1 ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXXXXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an ID Theft report on XX/XX/2021. This is the second time I have submitted a report to the bureaus concerning identity theft. They refuse to block the information and everything in the report is factual and under penalty of perjury. You are violating the FCRA and my federal rights as a consumer. Pursuant 15 USC 1681c-2 this information should be blocked immediately.
Product: Credit reporting or other personal consumer reports

Company claimed to the irs that they sent out a 1099 C for a vehicle. I was never notified my taxes was taken due to this 1099 C form. Each month I get a alert on my credit this account is reporting as late payments and high balance. I called the company they say they have no records of me as their customer and no knowledge of the form. There has been no resolution and this has cause for me not to be able to purchase a vehicle
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

The XXXX XXXX and XXXX XXXX claimed that I owe {$3200.00} for maintenance at the XXXX XXXX XXXX in XXXX. However, in XXXX I wrote letters to each of the XXXX credit bureaus and explained that I had terminated my membership several years ago. I sent them a copy of my resignation letter along with copies of the by-laws which indicated that when you do n't pay, they simply terminate your membership. I asked them to take me to court and they said they do n't do that - they only try to ruin one 's credit. This is a form of extortion ( or blackmail ). Would you please see what you can do to write this wrong. Thank you.
Product: Credit reporting or other personal consumer reports

I included dates from XXXX, XXXX XXXX to XX/XX/XXXX of inquiries that I did not have dealings with. I am a victim of fraud and with the FCRA Section 605B ( 15 U.S.C 1681c-2 ).

Please investigate this matter, and under the FCRA, I request that you immediately remove this fraudulent account ( s ) and Inquiries from my credit report. If necessary, I am available to provide additional information to facilitate your investigation. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry on my credit report On authorize uses
Product: Mortgage

I have been trying to modify this mortgage for almost 8 months, every time they request a document I send. Each time the requested document is sent, they ask for something else. in the mean time I have not been able to make a payment since XXXX.
Product: Credit reporting or other personal consumer reports

This is my follow-up for my complaint to remove these unathorized inquiries from my XXXX and TRANSUNION credit report ... XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2019 i received a paper check from my job. {$1000.00} to be exact. I took the check to my bank ( Bank of America ), i deposited the check and they told me it wouldn't clear until the XXXX. I check on my mobile app and it has a hold on it until the XXXX. I've called customer service, I've entered the bank and talked to them and nobody can tell me anything. The fact that i can't get any help from anyone is frustrating. I'm late on my bills and i need my hard earned money. It wasn't a personal check, and it's under XXXX dollars. But regardless, i need answerss and i hope this can be resolved by Monday
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX 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 this item 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: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

My Identity was used to rent an apartment in TX. I have owned my home in XXXXXXXX XXXX for 10 years. As a result XX/XX/2023 a collection reported on my credit report from XXXX XXXX XXXX for {$2900.00} from an apartment I found to be in TX called ; XXXX XXXX at XXXX XXXXXXXX XXXX. I have never lived here, this is fraud and I tried to contact the apartment complex for " validation of debt '' they were no help and advised me to contact the credit bureaus. I sent certified mail letters to the credit bureaus XX/XX/2023 disputing the fraudulently opened account and they did nothing about it. I have had no other collection accounts on my credit file in my XXXXXXXX XXXX XXXX XXXX. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX  ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 )  XXXX XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Product: Debt collection

XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.
Product: Credit reporting or other personal consumer reports

Bridgecrest and XXXX have engaged in deceptive, unfair, and unlawful practices regarding account XXXX. The vehicle was sold as being in excellent condition, but within 30 days, it required a full transmission replacement. I later discovered that the vehicle had prior transmission issues and a recall replacement before the sale. Bridgecrest and XXXX knowingly misrepresented the vehicles condition, committing fraud from the outset. 

After making timely payments for over a year, I attempted to refinance the vehicle in XX/XX/XXXX but was denied because the financed amount was more than double the cars value. Since then, I have repeatedly requested a full accounting, interest breakdown, and refinancing options. Bridgecrest stated they were only the servicer, not the originator, and refused to provide key TILA-mandated documents, including the promissory note, chain of assignment, and forward flow agreement. Without these, they have no lawful claim to collect or report. 

After their continued failure to provide validation, I initiated arbitration on XX/XX/XXXX, per the agreement. Despite this, Bridgecrest updated the account as a charge-off in XX/XX/XXXX, in direct violation of arbitration proceedings. They have since refused to participate in arbitration while continuing to act on the account, including harassment, breach of peace, and repossession attempts, despite knowing arbitration is pending. 

Additionally, Bridgecrest has inaccurately reported a monthly payment of 605 when the contractual amount was XXXX and failed to report payments from XX/XX/XXXX through XX/XX/XXXX. This false reporting, along with their refusal to validate any lawful obligation, is a clear violation of the Fair Credit Reporting Act, Truth in Lending Act, and consumer protection laws. Immediate investigation and enforcement action are required to stop these unlawful practices and remove the unverifiable reporting.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please REMOVE the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. This accounts is not mine, and I have no connection to it. This inaccurate account is negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of this fraudulent account from my credit report. 
Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX Account # XXXX 15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX   LOOKS LIKE IT'S FROM 2017 WITH A BALANCE OF XXXX, REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting a paid account negatively on my credit report! I owe no debt to this company whatsoever and have requested removal from this company several times! Kickoff lending llc is also reporting a paid account negatively on my credit report! I owe {$0.00} to these companies! I am aware of my rights and laws and will like to take further actions! I want these companies to remove any negative information/collections from off of my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked XXXX to run my credit once, so that i can see what i was approved for. i was approved for two vehicles. XXXX shared my private information more than twice. they shared it with many financial institutions without my consent or permission causing hard hit to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

Navient would not offer income driven repayment plan while I was in medical training 6 years. My credit was harmed and loans mostly stated in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several problems with my credit that are detailed in the lettter enclosed
Product: Credit card

On XX/XX/year>, I went online to apply for the XXXX XXXX card with capital One and was denied despite the fact that my XXXX XXXX on XXXX was XXXX with an on-time payment of XXXX XXXX and a revolving credit of XXXX  years. My application ID was XXXX. I call Capital One today and spent XXXX hour with XXXX representatives and each of them transferred me to the next one and I was transferred XXXX  times and the last person name was XXXX and she was the supervisor. At the end, I was asked to re-apply and write to Capital One at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I told XXXX on the record that I spent XXXX hour with XXXX reps and nobody was able to give me a specific reason why I was denied this credit card. What was XXXX XXXX of re-apply for this card again or write to the XXXX XXXX XXXX I had no idea what to write since I could not rebut or appeal due to no specific reason was given. I was told that they could not tell me and that something did not match. In this situation, I could not think of any reason why Capital One denied my credit card application otehr than being an XXXX female and that I saw this as a discrimination on me for being denied despite my excellent credit report.
Product: Mortgage

I am behind on my mortgage Payment and I plied for the Virginia Mortgage Relief. The whole process started around XXXX and both, PennyMac Financial Services and Virginia Mortgage Relief have not be able to communicate about my loan. I have suggested, for 4 months, for them to call each-other because their server communication is not working. When I call PennyMac they told that they email Virginia Mortgage Relief the B files sometimes on XXXX. When I called Virginia Mortgage Relief they said they have not received the file. But they have send several emails requesting the files, again. I called Penny Mac they said they have not received Virginia Mortgage Relief email. Every time I called they blaming each other and nobody is able to fix the problem. I have asked for a 3 ways call with both parties but PennyMac does not take third Party calls. It is clear that one of the company or both are having problems with their communication devices but nobody admitted. I am tired, I have call these companies more than 10 times. I need somebody help because they dont care what is happening with their server and the one not being help is me.
Product: Credit card or prepaid card

Truist bank has illegally processed a draft from my personal checking account at an external institution for the full statement balance. This draft was unauthorized and I called multiple truist representatives over several weeks prior to the payment date and was assured the draft would not occur. This unauthorized draft will result in an overdraft of my account at the external institution. Truist is liable for any damages or fees that have or may be incurred by their unauthorized activity. Truist has acted at best with incompetence and at worst to illegally defraud myself and my other financial institution. Immediate investigation and restitution is expected. Further, I've have several times attempted to redeem my cash rewards from this same personal truist credit card. The order has been canceled every time and truist representatives either could not offer an explanation, or suggested that I could not redeem the rewards into my savings or checking account because I was a former SunTrust customer. If true, this was never disclosed and again should be investigated to determine if Truist is actively defrauding customers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) XXXX XXXX XXXX/ XXXX  {$7300.00} ( 2 ) XXXX XXXX XXXX/ XXXX {$5400.00} ( 3 ) XXXX XXXX XXXX/ XXXX   {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX  {$470.00} As a consumer I'm requesting that these accounts be removed.