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

I didnt authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This also violates my consumer rights under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court proceedings such that of Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

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

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX acct # XXXX opened XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Product: Debt collection

My name is XXXX XXXX, XX/XX/XXXX I had an eviction filed against me by XXXX XXXX XXXX Professionally Managed by XXXX XXXX, I was making partial payments, I tried getting rent assistance from multiple places but it was the middle of the pandemic and things were hard, I was 6-7 months pregnant at the time and lost my job due to XXXX. 
On XX/XX/XXXX i delivered a CDC Declaration for the eviction moratorium to the offices of the apartment, they received it and stated that because I didnt have supporting documents they were going through with the eviction for late payment. 
Per the XXXX At the time, you did not have to provide any supporting documents of hardship, They filed the eviction and in the court documents it stated I owe {$1400.00}. 
The property management sold within the time between then and now, and have sold my debt to MARS, the balance on the credit report is {$3900.00}. 
Ive gotten in contact with XXXX XXXX and have been talking to XXXX XXXX XXXX, XXXX Vice President of XXXX XXXX XXXX Multifamily They had no record of the signed declaration, and are not being very helpful to come up with a solution, She said my balance was {$3900.00} due to rent owed and damages to said property but, court documents do not state any damage to property. 
Ive tried getting in contact with both more and i have heard nothing. 
They completely ignored the CDC declaration I delivered. I shouldnt have been evicted at the time, I ended up pregnant with nowhere to go and now Im unable to get any type of rental to provide a home for my son due to there lack of attentiveness.
Product: Mortgage

I paid off the mortgage and account is closed but its still listed on my credit report. Id like it disputed and off my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called XXXX XXXX based on a recommendation re : a rental property mortgage. I met with XXXX upon request and gave him the documents he asked for and in addition my XXXX XXXX information to review as well. He stated that this is a small loan as he deals with most large loans. He told me he could save me at least {$5000.00} as XXXX adds many unnecessary fees. 
During most of the process I worked with XXXX XXXX.as time was of the essence. 
Prior to closing on XXXX XXXX I called XXXX re : Points charge {$1700.00}. We had previously spoken about NO POINTS, as the change in interest rate would be insignificant. He agreed. He said just close and if I need to send you a check to make it right I will. And proceeded to give me an example of a customer scenerio where he had given a check. 
After the closing I left XXXX a voicemail message. Yet no reply. On XX/XX/XXXX I sent XXXX a follow up email to XXXX. I contacted my attorney who I had made aware of the situation during the closing. XXXX XXXX sent XXXX an email XX/XX/XXXX. XXXX sent a text from XXXX saying he copied me on an email to XXXX. 
XXXX never once mentioned that the {$1700.00} would be put into points without any % age change in interest. How dare he state that it is a benefit to me as I can write it off! Who is he to decide that? XXXX is overly confident in his position, however misleading and deceptive to his advantage only. I had sent a follow up message to XXXX on XX/XX/XXXX but still no reply. Extremely poor customer service!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Transunion has been lowered XXXX points from XX/XX/XXXX to XX/XX/XXXX. I I applied for an upgrade card and was approved XX/XX/XXXX. I received a spirit card XXXX XXXX, XXXX. I received a XXXX  XXXX card XX/XX/XXXX that was opened with no hard pull according to XXXX XXXX. XX/XX/XXXX I was approved for an XXXX  card. And I was added as an authorized user on a XXXX account in XXXX of XXXX which should not be a hard inquiry. So before these actions my credit score was a XXXX. I was docked points for the inquiries and then again when the counts were listed as opened. My limits are no higher than 15 % on any credit card. Then even though I had already had points removed for a hard inquiry for the upgrade card on XXXX XXXX XXXX they docked me XXXX points when the one card became opened. I was of the understanding your score could be adjusted a few point for inquiries but XXXX points for one card after having my score lowered on the same account is double jeopardy. I am in the market for a refi on my home but with the score the way it is its not allowing me the APR I deserve and is going to cost me thousands of dollars just because Transunion scoring system that is self serving. I attempted to call Transunion on XX/XX/XXXX to try to resolve this issue but was basically told by a miss XXXX she could only answer general questions. And seemed clueless. Not only would I like my score adjusted in a fair and unbiassed way I want to know what rules they go by for taking points off some ones credit report. All the proof of the scoring is in the their credit reports.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect and negative information being reported on my credit report by XXXX XXXX XXXX XXXX XXXX regarding an account that I previously held with them. 

- **Account Number : ** XXXX - XXXX Status : ** Closed Charge Off - **Payment Status : ** Past Due - {$620.00} - **Balance Owed : ** {$620.00} - **Payment Amount : ** {$0.00} - **Credit Limit : ** {$450.00} **What happened : ** I had a credit card with XXXX XXXX XXXX XXXX XXXXXXXX, which I responsibly managed and eventually decided to close. I have never missed a payment on this account. However, after closing the account, a balance of {$620.00} was erroneously added. For the past four years, I have been contacting the company repeatedly, requesting that they update my credit report to reflect that the account was paid as agreed and never late. Despite my efforts, I have been repeatedly transferred to different departments, and the issue remains unresolved.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX bank of america XXXX XXXX XXXX XXXX we charge more than i fee in error XXXX XXXX XXXX XXXX ssa fraud ga alert XXXX XXXX XXXX labeled int XXXX XXXX XXXX XXXX XXXX XXXX XXXX abuse credit breach ssa fraud
Product: Mortgage

I receive notice from Chase about foreclosure tried to do Loan Modification.Sales date was XXXX XXXX,2017, Modification was denied. Prior to this I had been working with a person that did a process to prevent foreclosure, when I went to Bankruptcy Attorney to file Chapter XXXX he was told that there was a interram on property and bankruptcy was n't granted hose was sold on XXXX XXXX,2017. The problem was n't with the Bankruptcy attorney but with the first gentleman.Because my property was attached to someone else Chase sold
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX AF XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I need those hard inquiries removed from my credit report.
Product: Money transfer, virtual currency, or money service

I manually verified a XXXX XXXX  account to be able to use the account to electronically transfer money from my old national personal checking account. This required me to confirm the 2 random deposit amounts that were submitted by old national bank into my XXXX XXXX account. I did this and successfully verified the account for transfers from old national to XXXX. 

On XX/XX/year>XXXX  I submitted an external transfer from my old national account to XXXX. I received an email shortly after telling me that my transfer was unsuccessful and that my funds would be returned to my old national bank account within 3 to 5 business days. It has now been 8 business days and the money is not in my old national bank account or XXXX XXXX XXXX account that I wanted it to be submitted to. Every time I have called old national bank they have given be a different answer as to why I havent received my money back into my account.
Product: Debt collection

Walmart credit card is charging me a late fee. This late fee should be waived. One time as a good faith courtesy. I received letter from them stating that I was UPGRADED. 
in XXXX of XXXX. I never used the card. When I did use it I was not successful. 
I attempted to make a payment on XX/XX/XXXX, XXXX. 

XXXX XXXX XXXX Unbeknown to my attention Capital one Walmart credit card had a block a fraud block! Not allowing me to make a payment. 

I for some reason unknown to me do not receive paper statement in the mail since XX/XX/XXXX. 

I tried to make a purchase and wa denied unknown to me why! 
This triggered me to call and contact them immediately as to why I am not being unsuccessful in using this card. 
Capital one walmart rep said I had a fraud alert on the account. 
I asked why, he gave me a vague scripted answer. 
He said any way you did not make a payment I said ok I will right now. I did so. 
Still would not waive the late fee. 
This is a injustice I should have been notified. 
email tex mail that I had a fraud and or a late fee. 
I would like the late fee reversed.
Product: Checking or savings account

We were married on XX/XX/XXXX by Officiant XXXX XXXX at our home in XXXX in the State of New York. ( SS # XXXX XXXX and XXXX XXXX ) We made a correction in XX/XX/XXXX to report XXXX 's Divorce in XXXX, which was corrected in XX/XX/XXXX as reported by XXXX Town Clerk XXXX XXXX by letter from NYS DOH. We had submitted by certified mail to NYSDOH their form for mail in Application for Copy of Marriage Certificate on XX/XX/XXXX with our check # XXXX routing # XXXX account # XXXX made payable to NYSDOH for {$30.00}. The amount was debited from the Webster Bank ( Sterling ) on XX/XX/XXXX. ( see attached check image front and back ) Note that the check image provided by Webster has no time stamp for deposit or NYS DOH agency identification. There appears to be a hand written account number XXXX and stamp For Deposit Only XXXX.. On XX/XX/XXXX we issued a USPS certified letter of inquiry ( # XXXX ) to the NYS DOH records department to inquire on the status of the processing of our certificate with copies of the paperwork and check image provided by Webster Bank . We made phone inquiries to NYSDOH to inquire about receipt and deposit of the check, but were told there is no accounting department by the woman answering the call for the Commissioners phone number. We did not receive a response to date from NYS DOH or the certificate. We had explicitly asked that a case be opened to investigate the transaction which was discussed with XXXX XXXX, Webster Banking Center Manager and XXXX XXXX. To date we have not been provided a case number and were told by XXXX XXXX " we can't give any information because the department doesn't disclose it '' When we asked for a case number XXXX XXXX stated : " I am not going to cooperate with you ''. Webster Bank permitted the funds to be removed from the account against this check as indicated on the online bank ledger, so how could they not know who received the funds? Is XXXX XXXX XXXX in possession of the original check? Did NYS DOH receive the funds that were debited against this check? Who is in possession of the original check?
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including XXXX XXXX XXXX and XXXX, XXXX, XXXX. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Debt collection

I am in collections for a utility in a city and state that I have never lived. The collections agency said I had to call the police and report identity theft. I called the XXXX Police and they said since it is XXXX account and not total identity theft it is most likely an error. I have disputed the debt multiple time with the collector and with the credit agencies but each time the debt collector reaffirms that this is my debt. I have never lived anywhere near XXXX Idaho, where the original creditor says the account was opened. I asked for proof of identification that was used to satisfy opening the original account and no one can provide me with any of those details. This is not my debt and it is damaging my credit as it is the only negative item I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX equifax and XXXX continue to respond with verified I have already submitted the letter from XXXX nexus where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, equifax and XXXX have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT CREDIT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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.