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

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.
Product: Debt collection

creditors bureau usa acct. no. XXXX is wrongfully appearing as a collection account on XXXX and XXXX credit bureaus.They identify as collectors for a {$130.00} debt from XXXX XXXX. XXXX. 
AT THE TIME OF SERVICE FOR MY HAND I SIGNED WITH THE HOSPITAL INSURANCE EMPLOYEE ALL OF THE NECESSARY PAPERWORK FOR EMERGENCY MEDI-CAL FOR THIS COVERED CHARGE.THERE CAN BE NO CO-PAY AS THE GOVERNMENT INSURER PAYS IN FULL AND ASSIGNS THE BENEFIT.IF THE HOSPITAL WANTS TO CONTINUE TO RECEIVE GOVERNMENT INSURANCES THEY SHOULD IMMEDIATELY DELETE THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX CXXXX   XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, transunion, equifax blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low 500 's when my scores should be in the mid 620s to 670s, everytime I contact them they do not fix the issues that these creditors are illegally causing
Product: Credit card

On XX/XX/XXXX at XXXX I received an email from XXXX XXXX for a purchase of XXXX. I was at home at the time and had not made an XXXX XXXX purchase. I called the XXXX XXXX store 4 minutes later ( XX/XX/XXXX XXXX ) to report the charge as fraudulent. The XXXX XXXX clerk informed me that the incorrect email is often used and not to worry about the receipt. Around XX/XX/XXXX, I received a XXXX XXXX XXXX XXXX  from Barclays, which I had not opened. The account had an opened on date of XX/XX/XXXX. I called the XXXX XXXX XXXX XXXX  help line to report the card as fraudulent and ask that they close the account. The representative said she would and they would get back to me to let me know of the results of the investigation. Around XX/XX/XXXX, I received a statement from Barclays for the XXXX XXXX XXXX XXXX XXXXndicating a XXXX past due amount. I called the XXXX XXXX XXXX XXXX help line again and was directed to call their fraud prevention group. I recached their Fraud Prevention Group on XX/XX/XXXX at approximately XXXX and was informed that their investigation determined the card was not fraudulent and they re-opened the account. I re-informed them the card was fraudulent, I never made that purchase at the XXXX XXXX, and they should close the account. They gave me the Case Number : XXXX. Since then, I have submitted a police report with the aforementioned information and have faxed ( at my own expense ) further evidence to the Barclays fraud department. They continue to state the account is legitimate because it was opened in store. I have informed them repeatedly I was not in the city where the card was opened and I have never visited that store. As of today ( XX/XX/XXXX ), more than 4 months since I reported this account, I still have not received notice that they will close the fraudulent account and my credit score is continuing to be harmed by their lack of action to correct this fraudulent account.
Product: Credit card or prepaid card

Avant reported a balance that is incorrect to the credit bureaus as of XX/XX/2022. My statement closing date is the XXXX of each month. I made a payment that cleared and posted XX/XX/2022. That amount did not reflect on my credit report update which made it appear that I was using XXXX  % of my limit. I made contact with Avant on XX/XX/2022, advising them of this error to which they offered no answers for my questions. I asked how they could report an amount prior to the statement being generated. My available credit is not showing what it should show neither. I also asked how my balance was not updated after a payment cleared on the same day it was made. They could not offer answers. This account is hurting my usage. My statement end date is the XXXX. It reported on the XXXX. The only thing they stated was that the account was being escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXX/Consumer to XXXX am writing to dispute several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, XXXX, AND EXPERIAN are each reporting completely different information in several sections within my Consumer Reports. XXXX, XXXX, AND EXPERIAN EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, EXPERIAN SHOWS YEARS OF CHARGE-OFF STATUS, AND XXXX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, XXXX, AND EXPERIAN COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, XXXX, AND EXPERIAN. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, XXXX, AND EXPERIAN. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, XXXX, AND EXPERIAN. THE BALANCE SECTIONS ON XXXX, XXXX, AND EXPERIAN ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, XXXX, AND EXPERIAN HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, XXXX, AND EXPERIAN ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office
Product: Credit reporting, credit repair services, or other personal consumer reports

attach information XXXX  has ruined my life
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Product: Consumer Loan

XXXX/XXXX/2016 while looking at cars on a XXXX lot was encouraged by salesman to apply for car loan while unemployed and anticipating job offer. Offered deal, made down payment pending job acceptance and received truck. Next day advised salesman job offer not made needed to return truck. Received immediate credit denials from major financials XXXX, XXXX, XXXX. Upon contact was originally told by salesman could return truck but needed to speak with sales manager who was out til the following week. Received the run around when trying to contact sales manager on XXXX/XXXX/16 by woman in sales office would need to make XXXX car payments and they 'd allow me to trade out. Unacceptable with no job. Following 2 week runaround truck returned to dealership and has remained at dealership. Received a statement from Santander Consumer Financial that they processed a loan for truck.
Product: Credit card or prepaid card

The navy federal Credit Card has to be one of the worst cards to have, High-interest rates along with so-called cash advance charges that no one can explain, they will not negotiate a lower interest rate to help veterans on fixed incomes, there seems to be something very disturbing about there debt collection practice 's I personally think they only want soldiers and vets to stay in debt so that they will never pay off their credit card charges with all of the XXXX!! charges, I will let every vet, XXXX XXXX whoever will listen Do not get a credit card from Navy Federal Had a better experience with XXXX,
Product: Debt collection

This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . 
XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and unfamiliar inquiries reporting on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Hello, I am writing about a particular issue relating to home insurance, and what I believe to be an unfair practice by my mortgage provider, Wells Fargo. 

I'm a longtime customer of Wells Fargo. I am current on my loan and do not need assistance. I have never missed a payment ; I have never been late with a payment. ( In fact, this is my second loan with the company in two decades. ) The problem relates to how I pay for home insurance. I typically pay for a year of coverage up front, separate from my mortgage payments. 

In XX/XX/XXXX, I inadvertently missed the renewal for my original home insurer, XXXX XXXX XXXX XXXX didn't contact me to ensure I would renew. Nevertheless, this was my mistake. 

But I wasn't aware of the mistake until XX/XX/XXXX, when I received notice by mail from Wells Fargo that my mortgage was without insurance, and that this was against the rules. I immediately bought new coverage ( from XXXX XXXX ) and uploaded that information. 

However, because of the inadvertent lapse in coverage, Wells Fargo is charging me for expensive insurance retroactively for a period of time that's already months past. 

I've notified Wells Fargo and it says the fact that XXXX didn't provide notice isn't its problem. In addition, it's going to charge me for insurance for the period where I didn't have coverage. In other words, too bad. 

I believe that insurance works to cover potential claims in the future ; it doesn't work retroactively. ( One doesn't get into an accident today, and then buy car insurance tomorrow. ) Also, I think that having mortgage lenders impose premiums at will creates opportunities for abuse. Finally, it's troubling to me that roughly a year went by before anyone reached out. 

Once I was notified of a problem, I rectified my mistake immediately. Wells Fargo didn't let me know right away there was a problem, and now I'm paying too dearly for it. That doesn't seem fair. 

I want to work with Wells Fargo on a mutually positive resolution. I'm happy to pay for a year 's worth of insurance at my previous premium level. This offer was not entertained by Wells Fargo. 

I would like the CFPB to be proactive in protecting consumers from abuse by urging Wells Fargo to work with me and others in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

NetCredit XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Mortgage

dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.
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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX 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 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: Student loan

IN XX/XX/year> TO MY SURPRISE MY UNDERWRITER SENT ME MY CREDIT REPORT WHILE TRYING TO BUY A HOME AND SALLIE MAE HAD PLACED ON MY CREDIT REPORT TWO LOANS ( # XXXX & # XXXX ) ONE AT $ XXXX AND ONE AT $ XXXX, HOWEVER THEY ADDED {$9500.00} AND {$10000.00} IN INTEREST WITHOUT ME EVER RECEIVING A BILL. THEY RUINED MY CREDIT, RUINED MY ABILITY TO BUY A HOME AND NEVER SENT ME A BILL, OR EMAILED ME A BILL. NOTE THE LOAN WAS DONE 7 YEARS AGO. WITH COVID EVERYTHING WAS SO OFF AND I HAD NO WAY OF KNOWING. ONCE I SAW THIS.. I CONTACTED THEM AND LODGED A COMPLAINT, ASKED FOR MY BILL AND SENT THEM {$3600.00} THAT DAY. I AM SIMPLY ASKING TO PAY WHAT I OWE -- $ XXXX NOT $ XXXX!!! THIS IS SO PREDATORY AND WRONG IT IS IMPACTING ME ON ALL LEVELS. HEALTH, CREDIT AND ABILITY TO BUY A HOME.
Product: Credit reporting or other personal consumer reports

***LATE PAYMENTS ARE ILLEGAL*** 15 USC 6802b****A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON-AFFILIATED THIRD PARTY****EQUIFAX IS A NON-AFFILIATED THIRD PARTY SO WHY ARE YOU REPORTED NON-AFFILATED PARTY INFORMATION*** THIS IS DEFEMATION OF CHARACTER!!!

ACCORDING TO THE FOLLOWING COMPANIES CONSUMER PRIVACY POLICY***NON-AFFILIATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Privacy Act of 1974 , as amended, provides safeguards against unwarrantedinvasions of privacy by establishing a code of " fair information practices. Secondly, inaccordance to 15 USC 6802 states we can opt out of anything. That law clearly statesthat I have the option to opt out of anything and companies are supposed to sendthis to us every month and I never recieved one from XXXX XXXX XXXX XXXX XXXX or XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise theirgrave responsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. Your company is in clear violation of the law, under 15 U.S. Code 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) INGENERAL Subject to subsection ( c ) any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : ( 2 ) In accordancewith the written instructions of the consumer to whom it relates. Did I give you writteninstructions to furnish all the above accounts on my credit report? Furthermore, theFAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from aconsumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided inparagraph ( 3 ), the term consumer report does not include- ( A ) Subject to section1681s-3 of this title, any- ( i ) report containing information solely as to transaction orexperiences between the consumer and the person making the report ; As statedabove, delete the above late payments AND account statuses from my consumerreport, this agency in in violation of 15 U.S. Code 1681.
Product: Money transfer, virtual currency, or money service

I started my money transfer to XXXX on XX/XX/2018 through XXXX XXXX XXXX which is the DBA of XXXX XXXX XXXX, by online Order Number : XXXX for the amount of {$150.00} and {$3.00} transfer fee. I filled out the form as described all information. After few days when the recipient did not receive the money I called XXXX XXXX XXXX in California and they told me that they will contact their agent and get back to me. 
Nobody called so I called them again. After few calls I requested them to cancel the order and refund the money. 
Since then I have called them sever times and they are saying that it takes time to refund the money. It's been now 15 days, I believe, since they are promising that they will refund the money but nothing is happening.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. 

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. 


Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS SELF FINANCIAL ACCOUNT XXXX IS REPORTING INACCURATE ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL AND ACTUALLY NEGATIVE OWING ME A CHECK THAT HAS BEEN PROCESSED OUT TO ME. I NEED THE LATE PAYMENT HISTORY REMOVED AND BALANCE UPDATED TO REFLECT XXXX  BALANCE IMMEDIATELY OR REMOVE THIS ACCOUNT COMPLETELY FROM CREDIT FILE