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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXcount Number : XXXX Delete this account. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I find myself a survivor of XXXX XXXX a distressing form of XXXX XXXX that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to trafficking upon filing an official claim.
Product: Credit reporting or other personal consumer reports

I want to express my extreme dissatisfaction with the continued presence of a fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be immediately removed. So please remove the accounts from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Fidelity Creditors SVC is reporting on my credit report XXXX which is not correct ( inaccurate reporting of the information ). XXXX ( reporting twice on my credit report ) They have not made contact with me about this debt in writing, no phone calls, and have not verified according to FCRA the debt is mine. 

When conducting online research this is a third-party collection agency. Please have them provide the debt is my debt by providing a contract signed by myself to do business with this company or whomever they are collecting on behalf. 

XXXX Procedure in case of disputed accuracy 15 U.S.C. 1681 paragraph 6 B iii Reinvestigation was conducted by XXXX and XXXX they violated the request without providing any information that proved this was my account. They further updated the XXXX XX/XX/XXXX. No proof of this account belonging to me was given within 15 days. 

I want this collection agency to provide all necessary documents which verify this is my account. I would like to see a contract, an address, a telephone, or some form of documentation that shows this is my account. 

A legal address for the company. I do plan to press the issue further this year with a lawsuit. This company has had 60 days to verify and show proof. I have not received any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gotten my  XXXX   XXXX  debit card stolen on  X/XX/17    and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the on ly one. I  have an installment loan with  XXXX  and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX  's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  XXXX  when canceling my card and caused the payment for  XX/XX/XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come   X/XX/17   I received a phone call from  XXXX  's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XX/XX/XXXX  's payment that totaled out to {$100.00} and then the next day was in fact double charged for   XX/XX/XXXX 's over due payment which put me at insufficient funds once again.  XXXX  has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has misrepresented me on a loan for a vehicle that was never purchased because of demands made to falsify vehicle residency on the title. Ally has inquired into my credit several times. Increasing the number of hard inquiries and decreasing my score.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED XXXX XXXX XXXX  WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED FIRST CITIZENS BANK - 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

XXXX XXXX has reported incorrectly on my credit report which is presently being reported negatively on my Experian Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX
Product: Vehicle loan or lease

i got approved for a loan at drivetime before they seen my income, i linked my bank account and the agent said '' solid. i made over XXXX dollars a month and the supervisor said they can't approve me because i work for XXXX XXXX XXXX i feel that's discrimination
Product: Bank account or service

Wells Fargo Bank Prime Equity Line # XXXX. Loan Balance {$9700.00} On XX/XX/2017, paid it off in full. On XX/XX/2017, Later Got balance Notification of {$36.00} paid XX/XX/2017 {$36.00}. Kept getting Email and messages on Web site for non-payment. Made 2 visits in person to Bank Branch, got assurance, will be taken care in 48 hours. On XX/XX/2017 got another email.. Went ahead and paid {$100.00} ( Minimum payment due ). On XX/XX/2017, Got another E-messages " Delinquent Payment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule, Seterus proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Product: Mortgage

The mortgage account that I see listed on my credit report, are the ones that I have had since working with these people who have scammed me and still are in this process. I am tired of explaining and not getting anywhere. How will you let them get out of this I have sent documents, and I am not paying them anything don't know where who payments go to.
Product: Vehicle loan or lease

ally auto loan account # XXXX vin # XXXX case # XXXX my name is XXXX XXXX at XXXX XXXX XXXX XXXX, Ca XXXX I was happy to pay my loan off early so on XX/XX/2020online on my Ally .com acct I paid XXXX paid off.the same day Ally took the auto payment of XXXX. Since then I have called at lease 6 times at one time the supervisor gave me a case # XXXX to get back my over payment, on the phone now with them and the same story we are reviewing my account today is XX/XX/2020. please help me with this as soon as possible, thankyou
Product: Debt collection

I am currently in the process of buying a home and saw that this collection was on my credit. It was opened on XX/XX/2021 and it is for {$59.00} due to XXXX XXXX ( I guess that is there client ) At this point even when I have no idea what this is about I would rather pay the balance due so that they can delete this immediately. If this is not taken of the credit report in the next 48 hours I would have no choice to get my attorney involved and seek legal action as there is too much at stake for {$59.00}. These people can ruin someone's life by making these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/2022 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to provide me with the documents with the original signatures.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

MOHELA is calling me excessively about my student loan with XXXX. The calls are at all times of the day and up to 5 phone calls a day. Ive asked several times to be placed on a Do Not Call list or to be removed from their auto dialer. The MOHELA representative each time says thats not possible and they are allowed to continue to call me despite my advising that it is an FDCPA violation. 

I tried resolving this with XXXX and they advised they could do nothing and referred me to MOHELA.
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, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations and all monies be returned to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Credit reporting or other personal consumer reports

Experian credit reporting company advised me via email on XXXX  XX/XX/year>, that XXXX XXXX Bank had made a " hard '' credit inquiry. I did not recognize this inquiry nor did I authorize this inquiry. This inquiry will show on my credit report for 25 months if it is not removed beforehand. I disputed this inquiry with Experian today, XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : BANK OF AMERICA , numberXXXX XXXX, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Checking or savings account

Truist placed a levy on my account because of a child support levy. This child support case is my son 's, whom I added to my account for convenience. My son disputed the levy with the child support office, and Truist confirmed that the child support office issued a release for the money to be released. After the money was released, I closed the account and transferred my money into my new account. My son is not in my new account. However, I went to the bank today, XX/XX/XXXX, and was told that the levy department went into my account and withdrew {$810.00} for child support levy. Bear in mind that this is my account and my son isn't on it. Therefore, this is an unauthorized transaction. Truist has illegally debited my account for no apparent reason. And no one can tell me why the money was taken from my account. Please stop Truist from making fraudulent transactions on customers ' accounts. Truist is getting away with all these illegal activities. The complaint ID for the aforementioned case is XXXX. The person who handled this complaint also stated an order was received from the child support office, to release the levy hold.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

For the past several years starting in XXXX, every month for a year I submitted documentation to Experian for XXXX XXXX reporting inaccurate information on my credit report. My vehicle was wrongfully repossessed in XXXX by XXXX   XXXX acting for XXXX XXXX which resulted in a law suit. I disputed this issue and information with Experian who continue to report inaccurate dates & information from this creditor. Now Experian is reporting the delinquent account past the 7 years of reporting which is a violation of FCRA. I called Experian today after I attempted to file a dispute online. The dispute was declined so I called Experian only to be told by the representative I spoke to is located in XXXX XXXX, no supervisor was available because they were closed, she submitted my dispute over the phone but then informed me they only report what the company tells them even if the information is inaccurate and a host of other unacceptable excuses of how their dispute process works in which they don't investigation the company 's accuracy of information being reported. The investigation should include the company providing proof of dates and accurate disputing information to Experian before Experian reports it on my credit file. It's their job to report accurate information and if the information is not accurate, remove it. The law suit surrounding this repossession was recently settled in my favor in XX/XX/XXXX and XXXX XXXX is still reporting the delinquent account since XX/XX/XXXX. This account has reached it's Statue of Limitation in the State of California ( 7 years ) which should be deleted immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraudulent Hard Inquiry Dear Experian Customer Service, I am writing to bring to your attention a fraudulent hard inquiry that appears on my credit report. I currently have an active fraud alert on all three major credit bureaus, including Experian. This fraud alert specifically instructs that any company attempting to conduct a credit inquiry on my report should first contact me via phone to verify the legitimacy of the application. 

The hard inquiry in question does not align with this protocol and was not authorized by me. I request that you investigate this matter and remove the fraudulent hard inquiry from my credit report. 

Please confirm receipt of this request and update me on the status of the removal process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a bad debt from an apartment move out. I offered to pay for what I felt I owed but the apartment company would not discount the final bill to what I felt was reasonable and covered in my lease. They sent the debt to collections. After several phone conversations to get the debt reduced to what I owed I was not successful. The last representative I spoke to offered me a number and told me I had to pay then to resolve the debt. I said I would not make a payment over the phone and that I wanted and invoice sent to me to define the settlement. He said he could not do that so no way I was giving my CC info over the phone. Then he told me I could go only to the website. I went right to the website and entered my account info that was given to me. The website gave me an option to make a settlement offer. I entered the $ I felt I owed first and it came back as a no on settling that amount. I made a second offer and that was accepted. I paid the agreed settlement and a $XXXX processing fee and the debt was settled. I printed the letter and confirmation from the website and was done. 

They started calling me again and when I answered no one said anything so I called back on XX/XX/2016 at approx XXXX. The person that took the call told me I still owed them money and my settlement wasn't enough. I told him I used the website and got an accepted offer and took it.He basically said that I still owed the rest of the debt. He said the documentation I claimed I had wasn't valid. 

Out of frustration I spoke some curse words and hung up.
Product: Credit reporting or other personal consumer reports

This is regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXopen date {$720.00} which isn't accurate as one bureau shows it's a collection and the other shows the account acting as open and this information is in inaccurate. I ALSO ASKED THAT ALL ADDRESSES BE BLOCK AND REMOVED EXCEPT FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX as the only address that should remain on file. I also need all EMPLOYERS BLOCKED AND REMOVED. Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files; failing to prevent the improper reinsertion of previously deleted information from consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. That Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( XXXX ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( XXXX ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( XXXX XXXX XXXX1c-2 ) and the Fair Debt Collection Practices Act