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

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ CNAC & XXXX ], [ Name of Account & Account Number J, [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 
Its been over 35 days with no response and according to 15 USC 1661i ( 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. They also violated these laws. and according to 15 USC 1681s-2 they are suppose to 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

XXXX, Transunion, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609, which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
Product: Credit reporting or other personal consumer reports

An hard inquiry showed up on my credit report on XX/XX/year> from Institution Information : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I call and spoke with XXXX different representatives, one of which their name is XXXX, ID # XXXX, and they all told me that none of my information such as SS #, DOB or name was in their system under an application or credit card. They all assured me that that company did not run any credit report for me. Then I reach out to all three credit bureaus, XXXX, XXXX XXXX XXXX and they all told me that I needed an Inquiry Deletion Letter from BARCLAYS to get it removed from my credit report. Upon reaching out to BARCLAYS to retrieve this letter the company informed me that since they did not run my credit or had my information in their system they could not provide this letter to me. I went back and forth with the credit bureaus and got nothing accomplished. They all are requesting this letter, which I can not obtain. Plus no one is giving me an explanation on how and why this is on my credit report.
Product: Debt collection

I find it very unfortunate and dishonest of Equifax to not play by the Laws. I have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Equifax as of recently regarding items I believe to be inaccurate and thus unlawful to post about me. This has caused me both XXXX  XXXX and XXXX XXXX  which I have been getting treatment for and along with this I recently suffered with an event that has caused XXXX XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being one of the predominant Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other Americans experience the same unfortunate event when they reach out to them as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law. 

I demand Equifax to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA. Please remove immediately. Also, talked to the company & they themselves lack any info & agreed to remove it. Please delete XXXX XXXX XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And I am demanding the removal of the address XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

RE : Affirm loan # XXXX My complaint is against Affirm for their inadequate handling of a cancelled order and subsequent erroneous charges. On XX/XX/year>, I cancelled an order with XXXX, which Affirm claims resulted in a partial charge of {$100.00}. 

Despite providing Affirm with evidence from XXXX that no such charge was made, Affirm continues to wrongfully assert that the charge exists and refuses to acknowledge their error. Consequently, Affirm has not reversed the {$100.00} and expects me to pay this amount. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Affirm corrects their records and rectifies this mistake promptly.
Product: Checking or savings account

on XX/XX/XXXX, I got an email from wells fargo about a transaction through XXXX  for {$330.00}. I did not make this transaction whatsoever and called my bank the moment I had the chance. 

I reported it for fraud and went through the process of making a new account password and username, as well as a new checking account where all of my leftover funds and pending tractions were put. Today, XX/XX/XXXX, I received a letter in the mail saying that my claim had been rejected as their research concluded that the transaction was authorized by me or someone else with my authority. 

I plan on calling regarding the documents that led to this decision but I have no clue to what to do. I did not authorize this XXXX  transaction whatsoever, the point of fraud is that someone is using your information without you knowing, is it not?
Product: Vehicle loan or lease

I voluntarily surrendered my vehicle in XXXX of XXXX and was told the vehicle would be sold at auction in XXXX of XXXX. After the sale of the vehicle i received a deficiency notice stating I still owe over {$17000.00} for the vehicle and that they applied {$5000.00} from the auction sale towards the balance owed. I did not feel this information was accurate. There were several inaccuracies on the deficiency notice that i questioned with no answer. I contacted Prestige Financial and asked them to provide me with documentation regarding the sale of the XXXX XXXX XXXX, as well as all financial accounting documents related to my account. I was informed by Prestige that they could not provide me with this information and that I could have an attorney request this from them. On XX/XX/XXXX, my attorney sent Prestige a mailed letter requesting this information. Over 30 days later, neither my attorney or myself received the requested information. I reached out to my attorney again to see what could be done. My attorney advised they would send another letter, giving them an attempt to respond within 10 days on XX/XX/XXXX. It has now been well over 10 days and still no response from Prestige.
Product: Credit reporting or other personal consumer reports

The following explains why this account should not be on ANY of my CREDIT FILES. As XXXX, I am now giving actual Notice XXXX XXXX XXXX to XXXX I am now invoking my XXXX given rights of equitable subrogation and require XXXX XXXX XXXX XXXX the Principal by returning all the XXXX XXXX XXXX XXXX XXXX 's ) given as payment for a debt that was paid by the XXXX by way of XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Per XXXX XXXX Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( XXXX ) that the person seeking its benefit must have paid a debt due to a XXXX party before he can be substituted to that party 's rights ; and, ( XXXX ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a XXXX  XXXX or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to XXXX who is a mere volunteer in paying a debt of XXXX person to another. ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; furthermore a servicer/debt XXXX who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to XXXX who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is XXXX who thrusts himself into a situation on his own initiative, and not XXXX who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a XXXX  they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : XXXXXXXX XXXX United States XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ).
Product: Credit reporting

On XX/XX/2015, I filed a complaint with the CFPB regarding the following re-submission ( please see copy of cfpb complaint ). 
XXXX card member services was attempting to collect a credit card debt from me for the XXXX XXXX XXXX, XXXX credit card that also had my name, XXXX XXXX listed on it. I attempted to resolve this with XXXX XX/XX/2015 to no avail, by the following methods : 1 ) Telephone requests to provide proof that I, XXXX XXXX, was personally liable for this XXXX account. 
2 ) Written request for copy of personal liability for business account-by certified letter dated XX/XX/2015 ( see copy being mailed ). 
XXXX responded with a letter dated, XX/XX/2015 claiming that I was the responsible party for the account according " to their records '' ( see copy being mailed ). 
.On XX/XX/2015 XXXX sent me a letter stating : " Action Needed : Make a payment right away to prevent your account from charge off '' ( see copy being mailed ). 
I filed an online complaint with the cfpb regarding XXXX on XX/XX/2015 ( see copy being mailed ). 
On or about XX/XX/2015, a collection company called me personally about collecting the XXXX XXXX XXXX XXXX XXXX credit card debt, at which time I told then that I had just filed a dispute with the XXXX Consumer Financial Protection Bureau. The collection agent said that they would then send this back to XXXX. 
XXXX then discharged the debt, and sent me a XXXX in the amount of {$8400.00} on XX/XX/2015. 
While the above information was being sought by me, and before the demand letter from XXXX was issued to me on XX/XX/2015, ( see enclosed ) XXXX must have issued derogatory information regarding me personally to the credit bureaus because on XX/XX/2015, XXXX reduced my credit line on my actual personal credit card account, which negatively impacted my FICO score. 
My personal XXXX credit card issuer then followed suit and reduced my credit line impacting my FICO score even further. 
This discharge of the debt has caused my personal FICO score to drop even further and it is my belief that it has caused me to be denied for auto loans, and for an SBA loan for Disaster Relief due to Hurricane XXXX. 
I would like the following relief : 1 ) Remove the charge off from my credit report. 
2 ) Compensate me for the {$8400.00} that was issued on the XXXX XXXX ) Raise my credit limit on my personal XXXX card to it 's former status. 
4 ) Provide me with a loan in the amount and interest rate ( 1.9 % ) that the SBA denied me, due to XXXX 's wanton and malicious maligning of my credit
Product: Consumer Loan

I have a car loan with United Auto Credit Acct # XXXX. 
I spoke with a XXXX XXXX at XXXX XXXX Shes extremely unprofessional and kept threatening me on a recorded line My car payment is 12 days late, I have gotten 17 calls from them back to back I was on the phone and someone was actually calling while I was online with another rep
Product: Mortgage

PMI has not been removed and I have requested multiple time they also automatically approved me for Forbearance even though I only inquired about the process but did not request and they immediate approved me when i requested to have it removed this seems deceitful and misleading very unfair for a XXXX XXXX man to go through this seems like they are trying to find ways to not remove PMI when qualified to continue willfully charging and not terminating I wonder if they do this on all XXXX to upcharge and not remove PMI if qualified i believe they may be taking advantage and this is misleading and deceitful
Product: Debt collection

For over one year XXXX has claimed I owe them money for charges I never made. They have continued to harm my credit report, after telling me they made numerous errors in dealing with my fiances. I owe XXXX nothing and when I get the time as now I can not even get a place to live because of XXXX, I will make it very clear that they intentionally harmed me. Transunion, XXXX and Transunion continue to put fraudulent information on my credit file reported to them by XXXX. Today is XX/XX/2023 and the issue after one year has still not been fixed as XXXX promised and apologized for their computer error dozens of times.
Product: Debt collection

Pacific Credit Services and/or their client/affiliate sent false information to all 3 major credit bureaus, the false information was then attached to my credit report saying I owe {$13000.00}, which caused negative remarks on my credit report which caused my credit score to lower tragiclly. I have never in no way been associated to Pacific Credit Services or their affiliates or do i owe any amount to Pacific Crediit Services or their affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the followig items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDespite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered my identity was compromised while I was in deployment with the military, someone aggressively used my personal information to obtain goods and services and recently attempted to use my identity aggressively to get automobile, I did not authorize anyone to use my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to Equifax disputing an account that does not belong to me. After I filed a complaint with the XXXX, they deleted the account in early XXXX, but then it reappeared XX/XX/2021. They never sent the official deletion letter, but third party reporting agencies such as XXXX and XXXX shows when it was deleted, and when it reappeared. It seems as if they simply wanted to appease the XXXX complaint. 

The account in question is : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

I started receiving emails from a Resurgent on XXXX XXXX 2023 about a payment has been received for a XXXX account Ending in XXXX for an amount of {$620.00}. And now a company LVNV Funding LLC has this acount. This account is over 18 years and I have not made a payment nor know about this accouny as it is not on my credit report or any other creditworthiness documentations. 

How can someone make a payment or whatever they said to pop this up to say this is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to place a freeze with Chex and XXXX and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.