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

This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

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

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

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

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agnecy can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agnecy may make any cnsumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes whch antedates the report by more t han seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believe that the information may be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the improper use and reporting and nothing was updated or corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information XXXX XXXX XXXX **** XXXX XXXX  XXXX
Product: Credit card

I put in a pre approval for a Avant card they asks for documentation I send it to them. Then I received a call from a customer service representative asking me questions then the representative told me congratulations I was approved I then asked how much is the credit limit he told me {$300.00} I said sir if I cant get a higher limit I dont want the card. He then told me that I cant get a higher limit. I said ok no problem I NO LONGER WANTS THIS CARD BECAUSE I AM TRYING TO BUILD MY CREDIT AND A {$300.00} LIMIT WONT HELP! So please dont open the account he said no problem I will just disregard the application! They mailed me a card and I put in it in the trash! On Sunday XX/XX/XXXX this account showed up on my credit with a {$75.00} balance. I called Avant on Monday and ask them why was this on my report after I told them not to open this account and I need it to be removed ASAP and ask to speak to a XXXX I was denied to speak to a XXXX XXXX twice.
Product: Money transfer, virtual currency, or money service

I signed a contract with XXXX XXXX  for $ XXXX for a standard membership. With tax its {$10.00}. I have been correctly charged for years per my contract until XX/XX/XXXX. On XX/XX/XXXX I am now charged {$12.00}. 

The price didnt increase. I checked with my XXXX location and standard membership is still {$9.00}. I never upgraded my membership. I repeat there was never any upgrades or signing of new contracts or rate increases. 

I called the XXXX front office and they didnt know why I am charged this amount because I have a STANDARD membership type in my contract. The refereed me to ABC Fitness Solutions , LLC who handle their billing. 

I called ABC Fitness Solutions , LLC and asked them for explanation. They played XXXX and said many generic things like " membership went up '' ( when it fact it didnt ) and trying to come up with an excuse when they got caught scamming. Not giving up I spoke with their supervisor and after some more excuses the lady finally said there is nothing she can do about this and will only forward this to finance department who does the billing, and not allowed me to talk to the finance department. She said they will correct these mistakes. 

Knowing how hard ABC Fitness Solutions , LLC tries to hide their scams while pretending how " sorry '' they are. I requested an email copy of our conversation and that this will get resolved. 

I did receive that email on XX/XX/XXXX, but nothing has been fixed. They had over 2 months to fix this. With this issue documented, yet they still chose to scam. 

I have all of this well documented, its an easy case for small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score provided by XXXX XXXXXXXX  to Equifax still shows bankruptcy and other inaccurate information as hurting my credit score. XXXX says they only use info on the credit report but the credit report does not show that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report name " affirm '' that is paid in full but they keep reporting me as late every month. The company I opened a loan account with affirm through the vendor " XXXX XXXX '' hair company. Affirm approved my loan for {$490.00} towards my purchase. A couple of days later I ordered the wrong product and I told the merchant that I didn't want the items. The merchant and I decided to cancel the purchase and the merchant retured the full amount {$490.00} back affirm in which I suppose to have a {$0.00} balance. ( I have the receipt ) .Affirm keep reporting every month thay I'm late of paying. I directly called the company several times to get the information on the loan and the company stated that they don't see Me in the system as owing them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We were looking for a new car at XXXX XXXX GMC located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. We never came to an agreed price for the vehicle or our trade so how could they possibly put through a loan app. not knowing how much we ; d need? Without our permission or knowledge they sent out multiple " Indirect Loan '' inquiries. We are now receiving letters of rejection from XXXX XXXX, XXXX  XXXX, and XXXX knows who else 's rejection is headed here! They have messed up our credit history and the wrong information now needs to be corrected. They had no business doing this without notifying us. We have our own banks, we'd never have dealt with one of theirs. We've filed complaints with the XXXX, GMC, XXXX and now the CFPB. The sales person told us she was going to check our credit rating not apply for a {$27000.00} loan for a used car with a sticker price of {$21000.00}!!
Product: Credit reporting or other personal consumer reports

Th credit Bureaus is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a tim
ely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat these reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 daysstated that a later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. Account # 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
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Company was misallocating payments made. I would make payments and pay an extra amount every month to be applied to the principal amout of loan with highest interest rates. Company would apply this amount to fiture payments on all loans instead of principal of loan with highest interest rate. This occured throughout the months of XXXX XXXX to XXXX XXXX with over 4,000 dollars in payemnts. Contacted loan company multiple times to have this corrected and allocate payments correctly. XXXX XXXX called company again to correct their mistakes. They reallocated payments, but still incorrectly. I was unable to refinance loans through another company due to high balances. XXXX XXXX intrest rates were raised by .25 % on all loans. XXXX XXXX, my parents took out a private loan to pay off my loans through Navient. I now make monthly payments to them.
Product: Credit reporting

I have asked that Equifax update my file through XX/XX/XXXX they have { no payment } information from XX/XX/XXXX-XX/XX/XXXX which they stopped I want all payment info from XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduc
t a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit card or prepaid card

On XX/XX/2020 a charge for XXXX showed up on my Gap Visa Card. I called Gap on XX/XX/2020 and told them the charge was fraudulent. They opened a fraud claim, closed the card ending in XXXX and sent me a new card ending in XXXX. 

On XX/XX/XXXX, I called Gap Visa Card to check on the progress of my claim, I was told the claim was approved and I was credited XXXX. I communicated to the rep that it was not showing up on my activity page, but he assured me the money had been added back to my account. 

On XX/XX/XXXX, I received a call from Gap stating that they had finished processing my claim and it had been denied. I was very frustrated and told the rep that in XXXX I was told the claim was approved. She assured me that it had not been approved. After speaking to approximately 6 reps and managers on XX/XX/XXXX, I was told to fax over proof that I never made the purchase ; I did so. I have the fax receipt stating that the fax went through. 

After noticing that my balance was high, I checked my account and the charge for XXXX had been added back into my balance. Gap Card has the proof that this charge is not mine.
Product: Checking or savings account

On or about XX/XX/XXXX I was double charged by XXXX XXXX XXXX. Assured by the desk clerk that there was no confirmation number for the first transaction I added a night and performed a second transaction. On the following day I called the bank because both charges appeared they immediately credited me for the 1st transaction {$250.00}. Later that week they tool the money back. I filed a dispute on XX/XX/XXXX. They credited my account for the amount in dispute XX/XX/XXXX and then took it back a 3rd time on XX/XX/XXXX overdrafting the account!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/ XXXX XXXX I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX Account/ XXXX XXXX  number XXXX XXXX Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I recently obtained a my Experian credit report and noticed the following account : XXXX XXXX XXXX XXXX XXXX I WOULD LIKE A re-investigation of this account XXXX theyre still inaccurate data. Please support all findings with data and documents to back up your claims. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, In regards to the Equifax promised XXXX  XXXX credit monitoring & free credit report freezing. 
Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. 

I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. 

I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 
Please help consumers protect their credit and make Equifax follow through on their promiss.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.