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

The companies listed below received my name, address and other limited information about me so they could make a firm offer of credit or insurance. They did not receive my full credit report. I did not authorize these inquiries. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

On Friday XX/XX/XXXX my bank account was XXXX 'd out. In all my accounts. That morning at XXXX I had paid my rent. I was waiting for a check to clear so I can pay my car note. Get gas later that evening and groceries. I was recently in an accident a month ago, my car totaled. XXXX weeks ago finally got a new vehicle. XX/XX/XXXX. 

There was a court order giving to a debt collector to collect interests of {$1300.00} from an XXXX  credit card back in 2016. With all the case-related fees they took {$1800.00} out my account. My paycheck was for {$1600.00}. My account was - {$13.00} before my paycheck. 

I paid my rent earlier at XXXX that day, but it's still " holding ''. My rent payment was {$850.00}. Utilities and fees included were ~ {$150.00}. Totaling {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX when i check my stament was showing that half of my payment was credited to me from the company i thaw that i had pay extra on my escrow account .after this i send the remaining balance to complete my payment then on the following months consecutively kept sending my payments .after the second month i got a call staying that my mortgage was 60 days late .i explain the person on the phone that had to be a mistake cause i was up to date with my payments .well after they research the account they came to find out that the money that they credited to me belongs to a different account and that i have not make my payment complete .at this point they blaming me for their mistake witch i end up coming up with the payment after all .now i come to find out wile i was trying to refinance that they have my record on the credit bureau as of 30 days late for three months on the road. i dont think this is fair to me and my family we try to take matters as soon as we found out even wasnt are fault.all i want is from them to correct my credit report. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent address has been found on my credit report and has stole me identity. Also hard inquiries is on my report because of this stolen identity
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  in XX/XX/year> with a balance of XXXX and has account number XXXX, This account has resulted in multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud. 

Hard Inquires : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and found the following account ( XXXX ) to be inaccurate and incomplete : I demanded XXXX and XXXX as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on XXXX and XXXX consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing XXXX are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the XXXX XXXX XXXX  and Privacy Act ( XXXX ) MOHELA XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by Mohela is damaging XXXX name. 
Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ) Use this XXXX to remove student loans
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Credit reporting or other personal consumer reports

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 furnishes an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Although I know the person they are trying to contact, I have told them its the wrong # and its not me.and to stop calling my phone.they wait a few days then start over, I explained to them my name & threatened to report them if they don't stop and they still won't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish Amy information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

CarMax well I should say XXXX XXXX approved my financing all my paper work was approved the last thing left to do was add insurance.i went to CarMax after reviewing an offer provided one I have to feel a 1099a for acquisition in a security interest which I was told by IRS CarMax denied that first violation second XXXX months with apr over 27.6 percent is twice the car price which the bank was obligated to pay.second violation in a credit transaction is CarMax wanted XXXX cash cash and credit transaction don't co exist .third violation after check my credit which cfpb been helping dispute my credit because it is not accurate they did not call and verify as it states on my credit report .fourth violation by. Car max is trying to assign my interest and rights .in all reality they aren't giving me a loan in ucc 1 finance statement with security agreement which I took to car max after they told me all I needed was insurance which I purchased they denied after I provided the ucc1 o I can amend it and pledge and add the bank to recieve my security interest .car lot banded me from all their lots of purchasing my car .do they XXXX able to dropp my credit the 1099avwas already approved by IRS with vin . CarMax needs to either give me my car or race lawsuit and they need to explain to IRS they canceled this deal because they know they weren't supposed to receive a down payment when the contract it's self I give value too is a promissory note which they pledge to bank in order to retain creditsmim tired of these thriving companies aquiring assets and then turning around deny people because us consumer are woke .so this would consist of fraud taking my credit card social using it and I did not receive a benefit. CarMax corporate called and I explained why I presented ucc1 all they talked about XXXX this XXXX cash they need which they aren't entitled to and they denied my rights who are these people.they sell cars they obivously are not following buissnness laws .and ucc . So makes me wonder if their accounting in compliance with gap
Product: Credit reporting or other personal consumer reports

FOUND AN INQUIRY THAT I DON'T RECOGNIZE XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information inaccurate on my credit report. I have submitted disputes to experian and haven't heard anything. Please have them remove the inaccurate information from my report please.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$10.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10.00} XXXX - XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6600.00} Fraudulent Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

THERE WAS AN ACCOUNT OPEN FRADULENT IN MY NAME I SENT ALL SUPPORTING DOCUMENTS TO HAVE THIS MATTER RESOLVE. I RECIEVED A LETTER FROM FIRST PROGRESS CARD AND A LETTER STATED THAT THEY DID An INVESTIGATION REGUARDING MY DISPUTE AND THE LETTER INFORMED ME THAT THIS MATTER IS RESOLVE IN MY FAVOR THERE WERE A CASE NUMBER # XXXX THAT WAS CREATED FROM THE COMPANY .AND THAT AN UPDATE WILL BE SENT TO THE CREDIT REPORTING AGENCIES AND An UPDATE TO REMOVE /UPDATE MY ACCOUNT TO ALL 3 CREDIT REPORTING AGENCIES. AS OF XXXX THIS COMPANY HAS REPORTING TWO OTHER ACCOUNTS ON MY CREDIT REPORT WHICH IS INACCURATE AND FRADULENT FROM THE COMPANY. I HAVE FILED ANOTHER DISPUTE XX/XX/. IM ALSO ATTACH COPIES OF MY CREDIT REORT WHICH IS SHOWING PROOF OF THE INACCURATE INFORMATION AND FRADULENT ON MY ACCOUNT. I THINK ITS UNFAIR TO TELL A CUSTOMER WHO IS A VICTIM OF IDENTITY THE MATTER WAS RESOLVE AND THE COMPANY GOES AND LIE AND STILL REPORT FRADLUENT ON MY CREDIT REPORTING.
Product: Checking or savings account

Ive tried a number of times to get my account unlocked and they keep messing me up and telling me stupid stuff. Which is Navy Federal Credit union in XXXX. They have stolen over a XXXX dollars from me and I think they are laundering money through my account some how. I have filed a complaint against them before and still nothing...
Product: Debt collection

I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Product: Credit card or prepaid card

On or about XX/XX/2019 I lost my Discover Credit card. Someone found it and made charges using it on XX/XX/XXXX & XXXX XXXX. There were 9 charges totaling {$980.00}. I immediately filed a fraud report with Discover. They " investigated '' and denied my fraud claim. I appealed and they sent to me a fraud affidavit that I filled out and signed. We have been going back and forth on this since XXXX. The charges were not made by me or anyone with my knowledge or permission. I wrote to Discover and informed them that these charges will not be paid and that I am filing my complaint with the CFPB. Their response was basically " so what ''. I refuse to pay for charges that do not belong to me, yet I have good credit and want to keep it. Can you please help me with this matter?. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.