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

Check Cashing XXXX XXXX date : XX/XX/2021 ... .My credit was ran by this company on the following date without my permission or consent... I'm trying to get them off my credit report...
Product: Debt collection

This debt was paid on aprons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now a new contract lectionary company has it. I have contacted The original creditor multiple time at which I have been verify to not have any outstanding balances with them/ For this particular account to be paid off. I would like verification immediately or this to be remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to temporarily remove a security freeze from Experian. Experian is the only major credit bureau that does not allow free credit lock or unlock. Instead I must either pay to subscribe to their service, or use a free credit freeze which they make abundantly difficult. 

I have previously been able to unfreeze my report with Experian online, but today am unable to accomplish this, either by online or by telephone. I had all the appropriate information at the ready, but their system seems designed to frustrate and encumber, forcing one to buy their product. 

First, Experian.com tries to send you to a marketing screen to buy their product. If you get past that, it makes the credit freeze information difficult for consumers to find. After youve managed to find the appropriate screen, things get even weirder. It will attempt to frustrate you, highlighting multiple fields as invalid. The trick to avoid this particular Experian trap is to revisit each highlighted field, delete the last character typed, and then re-type. Now, when you finally have that trick mastered, it will ask for a pin. For some reason, it adds extra numbers after you type this pin, so you will have a wrong submission each time you try to submit your request. It will then tell you that you have exceeded your request limit and direct you to mail your personal information to Experian. 

Does any of this sound reasonable? This credit bureau, as a company that consumers have NO choice but to do business worth, is essentially strong-arming people into buying their product. 

I tried four times, calling two different Experian phone numbers, to get my issue resolved. Each time I was stuck in their phone system, Unable to resolve the problem or speak to an actual human before the system abruptly ended each call. 

What this company is doing is reprehensible. We as consumers, should maintain the right to place a freeze or unfreeze on our accounts without undue duress.
Product: Mortgage

This is a follow-up to previous complaint XXXX. 

Regarding Shellpoint 's letter dated XX/XX/XXXX : Line # XXXX from page XXXX states, " The date of the last full payment was on XX/XX/XXXX. '' I don't believe that is accurate, so please provide documentation of that payment. 

Page 2 references a XXXX loan modification and that the " modification offer was revoked. '' Please explain the term " revoked '' and how it differs from a denial. Likewise, please explain how not " executing the agreement '' differs from a denial. In their XX/XX/XXXX letter, XXXX states that their modification offer was " withdrawn '' and references a " non-approval. '' Please explain how those two terms differ from a denial. 

XXXX 's XXXX letter references that an " exception was made. '' Please explain the nature of the exception. It was an exception to what? Why was an " exception made for the first modification payment but not subsequent payments? Please provide the date of the decision to discontinue the exception as well of the documentation sent to me that communicated the decision to no longer make an exception. 

Please explain why the final " non-approval '' did not occur until approximately XXXX months after I returned the fully executed loan modification papers that XXXX had provided and offered via their attorneys, XXXX and XXXX. 

Please explain why that first modification payment was applied to the existing ( old ) loan rather than the new loan modification. 

From that payment, please explain why some was applied to a suspense account. What is the current status of that money? 

Your XX/XX/XXXX letter, as well as XXXX 's letter, references missing documentation. Please confirm this was the divorce decree and why that claim was made despite a ) two letters from previous services confirming the receipt of the divorce decree and b ) despite XXXX 's attorneys ( XXXX and XXXX ) possession of the divorce decree ( from my attorney at that time ). 

XXXX and XXXX provided, to the XXXX XXXX ( Oregon ) Clerk 's office, a statement that XXXX XXXX ( previous wife ) no longer had an interest in the property. Given that this statement was recorded in XXXX XXXX 's permanent public records for this property, which negated the need for a divorce decree or quit claim deed. Why was the claim of denial made despite that for-the-record statement? Was XXXX and XXXX consulted when the claim of denial was made? 

Given that you have scheduled a trustee 's sale for early XXXX, please provide this information at the earliest possible date.
Product: Credit reporting or other personal consumer reports

AMSHERCOLLECTIONSERVICES Reported on XX/XX/year> Amount : {$810.00} I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting or other personal consumer reports

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is XXXX They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.
Product: Debt collection

XX/XX/2018 tried to settle a debt with XXXX XXXX finance company ( debt collector ). Set ach payment with them and asked to settle remaining debt of {$460.00}. Collector refused and said I have to pay the full amount. The company never disclosed that if I set up an ach it voids me from settling the debt. I think it is unethical. Then they asked to settle debt for {$30.00} less. They also send statements with the amount they draft from me and not a actual balance. Also did not disclose reference number for stop payment of ach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Product: Vehicle loan or lease

On XX/XX/year> I submitted a complaint for a GAP refund I never got. So you responded with and said to read my contact in which I did over and over and i noticed that your contract is not the same as what I have I have proof I paid over {$1500.00} plus {$390.00} for optional gap waiver paid to seller. I will enclose my Contract and tell me where it says the same things that yours does please.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

ON XX/XX/, MY BANKING ACCOUNT WAS CHARGED XXXX OF UNAUTHORIZED CHARGES BY XXXX XXXX AND PNC BANK REFUSES TO REFUND THE FUNDS TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I CALLED XXXX TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. XXXX GOT RID OF XXXX INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT XXXX TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX THANKS, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

SUNTRUST BANK- CREDIT CARD DISPUTE- CASE # : XXXX I filed a chargeback in XXXX, XXXX with Suntrust Bank against XXXX an online merchant for a dress that I ordered on XXXX website from XXXX on XXXX/XXXX/XXXX which is defective and not as described. On XXXX XXXX, XXXX, I faxed documents such as pictures, messages between me and seller requesting for refund to Suntrust Bank. On XXXX XXXX, XXXX, I was issued a temporary credit of {$130.00} for the dress and on XXXX XXXX, XXXX when I received a letter from Suntrust Bank requesting for additional information, I learnt that the chargeback was denied and the credit removed from my account because the merchant and seller provided evidence that the item was shipped to me. I disputed the transaction because the dress I received is not as described and not because I did not receive the item. If Suntrust Bank compared the dress I received with the picture of dress provided by seller and merchant, they would have noted the difference in the item I received. I had already provided all the evidence about this case to Suntrust Bank including pictures of the dress and I indicated on my complaint that seller has refused to provide me their shipping address and have not been able to return the item. The seller wants me to keep defective item. In the past, I had provided documents requested promptly before the deadline and the recent correspondence that Suntrust Bank mailed to me was dated XXXX XXXX, XXXX but I received the mail on XXXX XXXX, XXXX. The seller initially offered me a partial refund of {$50.00} which I refused to accept and demanded fro a full refund. Seller also refused to provide shipping address when I told them I wanted to return the dress. If the seller has a valide claim, he would not offer a partial refund of {$50.00}. Also, if Suntrust Bank is diligent in their investigation, they will know that the transaction is not valid because the seller accepted to give me a partial refund of {$50.00}. I would appreciate your assistance in recovering my money- {$130.00} from Suntrust Bank and the Merchant- 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 16815-2 ( 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: Debt collection

They called and refused to tell me what they do as a company. They gave me a fake website that I couldnt find anywhere online. When I began asking questions they wouldnt give me any information unless I gave them the last four digits of my social security number. I knew it was a scam because they refused to tell me what they did and hung up on me.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

I am submitting this complaint as I am a victim of Identity theft, I submitted the proper documentation and had the erroneous accounts removed. 2 months later one of the accounts reappears with no validation or justification.
Product: Debt collection

This company pop up on my report so I ask for a copy of contract which they couldnt send me because I never done business with them not mines
Product: Credit reporting or other personal consumer reports

I received an notification of a debt collection on my credit report. I contacted tmobile to dispute it. The debt collection is from DIVERSIFIED ADJUSTMENT INC out of Minnesota. XXXX billing services explained to me that the info is incorrect and that I do not owe them anything. XXXX asked me to call the collection agency and asked them to call tmobile billing asap so they could explain to the collection agency that I do not owe anything and have them remove it from my credit report. I spoke with 3 reps at the collection agency DIVERSIFIED Adjustment inc and each time the rep would not do what I asked and then transferred my call to an extension that was not available and the call ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed lost identity report and fraud, on my credit report, but they refuse to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having repeated problems with TRANSUNION primarily. They have changed the account infomariont of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. TRANSUNION and now, XXXX, had re-imputed the balance owed as {$490.00}. I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that TransUnion has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with XXXX as well. I OWE NO BALANCE TO XXXX XXXX XXXX XXXX AND THEY CAN VERIFY THIS.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 after reviewing my credit report, I unauthorized inquiries that have appeared on my Experian credit profiles. These inquiries were not authorized by me, and I request their immediate removal from my credit reports. 

I have recently reviewed my credit reports from Experian and have identified the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB investigate this matter and ensure the prompt removal of these unauthorized inquiries from my Experian credit reports. I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed incorrectly. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.