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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Consumer Loan

I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. This complaint is due to new evidence and issue on my report. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. So I have filed FTC Report XXXX and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I'm representing myself by myself and I do not involved any third party for this matter. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Here are the name of these inquiries : XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX  XX/XX/2021. So, all being said, all these hard inquires are not mine and must be deleted immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX  XXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ).

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681.

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness.

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ).

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!
Product: Debt collection

Re : Debt Validation Request Dear Debt Collector I recently received a debt collection notice. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any agreement signed with your company or original creditor. Regarding the collection of the debt listed above. This is not a refusal to pay but a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I request that you provide the following information : XXXX. Proof that the debt is mine : Include documentation such as the original signed agreement or contract. 
2. The amount owed : Include an itemized breakdown of the total amount, including interest, fees, and other charges.

3. The name of the original creditor : Provide the name and contact information of the creditor from whom the debt originated.

4. Verification of your authority to collect this debt : Provide documentation proving that you are legally authorized to collect the debt.

Under the FDCPA, I request that all collection activity regarding this debt be paused until the requested information is provided. I also request that any future communication about this matter be in writing.

Please note that I am aware of my rights and expect you to comply with all legal obligations. Failure to validate the debt will result in the dismissal of your claim. 


Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the 3 Credit Bureaus 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! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Discover has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Discover then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later XXXX XXXX reversed the charges and applied my security deposit of {$300.00} to my bill which I did not instruct them to do. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against XXXX XXXX for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

this has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

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

I have called equifax for a full two days. I promise on my life I have never received such horrible services. I ca n't even make this up and still in disbelief. On thurday XXXX. I called Equifax at XXXX to check on the status of a letter that was sent in to address unauthorized inquiries on my report. I have the Equifax Premier Plan which shows that I have multiple unauthorized inquiries on my credit report. When I go to the dispute link it does n't show the inquiries so I have called to address those concerns. While on the phone with a foreign rep and after explaining my life away about the issue he then transfers to me an agent then I have to reexplain myself to this foreign agent. Now this agent then go on to say they do n't see the inquiries and I explain to him that that is what my issues is. Its not showing on Equifax end but its showing on my end under my report with Equifax premier plan credit report. He then transfer me and from that point I 'm transferred a total of 6 times to other reps who stating I need to speak with another department. I was then hung up on after the 6 person whom I was transferred t. Before speaking to a U.S rep Im transferred to another rep who forgot to put me on a hold and you can hear him laughing and joking to a coworker and upon realizing it they place me on hold then hang up on me. This is after I have been on the phone being transferred for almost 2 hours. I had to call back and immediately asked could I be transferred to a U.S representative. Explained to the woman what have happened to me for the 2hours and she finally see what I was speaking of in regards to me having multiple credit profiles. Even she said she still had to transfer me to another department. I am close to tears because I 've never experience so much unprofessionalism in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the fraud you have committed against me. I did not give Midland Credit Management any permission to use any of my identifying information o commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Lastly, pursuant to 15 USC 1681 c-2 Block of information from identity theft resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Product: Mortgage

Wells Fargo home loan, and refinance. I signed up for a 3.25 % refi loan and never missed a payment and when I found out it had been changed to a higher rate I paid it of early. I tried to get satisfaction for the oversight but it was not taken care of, just passed around. Highly irresponsible and cost me money. Still waiting...
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing you to bring to your attention a few discrepancies in my credit report that i am sure requires your immediate investigation as my information has been stolen and use to open a number of fraudulent accounts and loans in my name. Additionally these fraudulent accounts has been causing me severe emotional stress as i am currently in the process of buying a home for me and my family. I kindly request a thorough investigation into these matters and removal of all inaccurate information on my credit report. I understand that the Fair Credit Act ( FCRA ) mandates that the Information on my credit report be accurate and verified. I have reach out to my creditors who have informed me they have no knowledge or evidence of credit associated with them. 
A. XXXX XXXX - DATE OPENED XX/XX/XXXX ( BALANCE {$1000.00} ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX ( BALANCE {$850.00} XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX BALANCE {$8600.00} LIST OF INQUIRIES 1XXXX - Inquiry date XX/XX/XXXX 2.XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX 3.XXXX XXXX XXXX - Inquiry date XX/XX/XXXX 4XXXX XXXX  - Inquiry date XX/XX/XXXX 5.XXXX - Inquiry date XX/XX/XXXX 6.XXXXXXXX XXXX XXXX - Inquiry date XX/XX/XXXX 7.XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 8.XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$680.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX, XXXX, XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX