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

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed 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
Product: Debt collection

Exeter Finance sold my debt to XXXX XXXX. I contacted XXXX XXXX and settled the account through another third party XXXX XXXX. When I contacted XXXX XXXX about account updates and the release of the title to the vehicle they told me I had to contact Exeter Finance. When I contacted Exeter Finance they said they had to wait until XXXX XXXX to update their system to change the account to settled. I contacted XXXX XXXX and they said I had to wait two weeks for the update and for them to receive notification for Exeter Finance to release the title to them. Recently, I contacted Exeter Finance to see if they updated the file on the credit report to being reported as settled because they stated they do not remove settled debt from credit reports. Over the past weeks I received non stop phone calls from Exeter Finance because I filed a dispute. The employee even left messages. I called them to back to see the problem and I was never connected to the employee. Today the employee called me today asked me to check my credit report and told me the line was being recorded. Did what she told me to do but I did not feel comfortable. I called Exeter Finance back and they gave me XXXXXXXX XXXX XXXX number. I called again and asked for a supervisor. The supervisor told me that their practices are legal and because I filed a dispute online they have a right to contact me and ask me what is on my credit report. Is this legal. I only requested the account to be updated to settled by Exeter Finance and report it accurately.
Product: Credit reporting or other personal consumer reports

System failure credit score remains around XXXX when score should be in the XXXX. All inquiries are removed yet payment history still affects score alongside derogatory report, and many more.
Product: Credit card or prepaid card

On XX/XX/XXXX I locked my Commenity XXXX Visa Credit Card. On the lock setting for the card they asked if whether I would allow recurring charges to be taken out of my account. I selected " No '' on this with the clear understanding this would stop as they stated on their site any monthly subscriptions or bills. 4 recurring charges were then taken out of my account still. I called them and they said that there was nothing they could do but put in a dispute for fraud but the issue would be their site fraudulently told me that recurring charges would be blocked on subscription services. So now I am in the hands of their internal fraud team investigating fraud they themselves did.
Product: Debt collection

I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XX/XX/XXXX. After that, another company ( Golden Green Services ) took money from my bank account. I disputed the debt and requested debt validation by certified mail  within 30 days of discovery, which was accepted by Golden Green Services on XX/XX/XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from Golden Green Services with the XXXX XXXX XXXX contract with the Golden Green name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number.

Both companies are claiming the same debt which is why I requested debt validation in the first place.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit card

I've consistently made sure payments are made on time for this account, avoiding any instances of overdue payments. The reasons for the reported late payment remarks on my accounts remain unclear to me. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report related to my auto loan account number [ # XXXX ]. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

I formally request a reinvestigation of my dispute and the correction of the inaccurate information related to this late payment. Enclosed are copies of relevant documents for your review. 

Details of the affected payment are as follows : DATE OF LATE XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX If the necessary corrections are not made within 15 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the hard inquiries I want to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are fraudulent hard inquiries that I already called transunion ab and they are not trying to fix the problem at all tired everything I can with sending in letters still no nothing
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section

611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.


Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 

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

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Debt collection

I received a voicemail from XXXX providing an ID number of XXXX and requesting I contact them at XXXX. I contacted them and spoke to an individual named XXXX ( no last name provided ). He informed me that he was with Premiere Recovery Group, and that they were representing a payday loan company called XXXX XXXX XXXX. He stated that I owed this company {$750.00}. I asked him for the contact information for XXXX XXXX XXXX, and he did not provide it. I then asked him to provide Premiere Recovery Group 's address, and he asked me if I was willingly going to pay the debt. I informed him that I would not comment on the debt, and that all I was looking for was information at this point. He hung up on me. I called back, someone picked up the phone and hung up immediately. I called back again, and XXXX to a XXXX XXXX. I asked her for their mailing information, and she hung up on me. I called back and spoke with XXXX XXXX. I asked him for the mailing information, and he provided their mailing address ( XXXX. XXXX XXXX, XXXX, NY XXXX ). I thanked him, and ended the call. I called back again, and spoke with someone named XXXX. I asked her for a validation of the debt. She transferred me to someone else who did not identify himself. I requested they mail me a validation of the debt, he said that previous letters had been sent out by other debt collection firms. I requested clarification of his statement by asking him if that meant Premiere Recover Group had not sent a letter. He then said that they have sent information out to a previous address of mine. I informed him of my new address, and requested a debt validation letter be sent. He stated that one would be sent out today.
Product: Checking or savings account

While applying for a mortgage, my lender attempted to verify the deposits in my account. They were told that I needed to request the verification myself. 

When I called, I was told they would not help me. Instead, they wanted to know my rate and said they could get me a better mortgage. When I asked to speak with the manager, she said she was the manager. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX It is my understanding that my bank is required to provide me a verification of deposit upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and Transunion. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX Transunion Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX XXXX XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.
Product: Credit card or prepaid card

Sync/paypal bank has pulled my credit without my permission they dont have anything i signed for this credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education had instructed Experian to delete any negative reporting from XXXX from my Experian credit report, but for some reason this was not done. There should be no information from XXXX listed on my Experian credit report it should have been deleted. The loan was brought out of default and into a positive status through XXXX XXXX XXXX. The loan was also paid in full in XXXX of 2019. According to The US Department of Education and XXXX XXXX XXXX any negative reporting from XXXX should have been deleted from my Experian credit report. I am asking Experian to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.
Product: Debt collection

In XX/XX/2020, I alerted the company that the account was not mine and I never lived at the address. The Credit bureau informed of these accounts and they have not investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft via the Equifax data breach
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment 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 Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

I contacted experian, XXXX and equifax about removing inaccurent information from my credit report and i have not recieved any responces back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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. CXXXX, XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$39000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX, XXXX XXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXXI was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was XXXX XXXX XXXX XXXX Docket # XXXX. I was than told that was not acceptable.
Product: Bank account or service

My experience with Bank of America has been the worst experience I could have ever had. I have been put down, ignored, forgotten, hung up on, yelled at and much more. XXXX XXXX and assistant ignore my many voice messages and calls put aside my faxed paperwork and hang up on me on an everytime basis. I do not appreciate the disrespect I have been shown expecially when I have shown courtesy and understanding. My wishes are NEVER granted just told they are completely unreasonable, when they are in fact below satisfactory. I have asked politely and calm to speak to a superior and I get transfered to a team member of penny 's. I do n't appreciate the neglect and the inconvenience that bank of America has shown me. I will never forget the horrible experience I have had. If any person asks about bank of America I will passionately advise them to not bank with them. I can assure you that after hearing my testimony as to why not to bank with them, they too will not be banking with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion needs to correct the information in regards to XXXXXXXX XXXX XXXX. This account is settled and has a XXXX  balance. Please see the attachment. Please make note of this