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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

Account Information : Creditor : COLLECTION Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Balance Owed : {$2500.00} Account Rating : Derogatory Account Description : Other Collection Agencies Dispute Status : XXXX XXXX Account not disputed XXXX : Account not disputed Equifax XXXX Account disputed Account Status : XXXX : Open XXXX  : Closed Equifax : Closed Payment Status : Collection/Chargeoff Creditor Remarks : XXXX : Account information disputed by consumer, meets FCRA requirements XXXX : Customer disputed account - reported by subscriber Equifax : Consumer disputes this account information, Subject has not satisfied debt Original Creditor : XXXX Discrepancies and XXXX : Date of Last Activity : Discrepancies exist between the last activity dates reported. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported : The dates reported are inconsistent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Account Status : Inconsistencies in account status ( Open vs. Closed ). 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.
Product: Vehicle loan or lease

I grounded my lease XXXX XX/XX/year>. I had no remaining payments and fulfilled the entirety of the lease. I confirmed this with U.S. Bank and notified U.S. Bank that I grounded the lease. U.S. Bank reported a late payment on my credit report on XXXX XX/XX/year> and reporting the lease as only 94 % paid off, which is not true. I called U.S. Bank today XXXX XX/XX/year>. The representative confirmed I did not owe U.S. Bank any money, confirmed that I notified U.S. Bank that I grounded the lease, and stated that U.S. Bank charged me a lease payment on XXXX XX/XX/year> and XXXX XX/XX/year>. The representative said it would take up to 30 days to resolve this and that it looked like a bank error. Im trying to get new car insurance and this is negatively impacting me because my quotes are higher due to this inaccurate late payment. I logged into my U.S. Bank account and it is showing a balance of {$3000.00} but U.S. Bank can not tell me why or how to fix it. Im afraid they are going to report this next to the credit bureau. 

Ive already had a very difficult time with U.S. Bank. I previously submitted a XXXX complaint but U.S. Bank said they did not have an account under my name, which is absolutely not true. The original complaint number is XXXX it was submitted on XXXX XX/XX/year>, my complaint above is new information. I am including this complaint for context and to illustrate how incredibly difficult U.S. Bank has been. They wasted my time, money, and now are impacting my credit score which I feel is punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a hold of Equifax FOR MONTHS!! I am a victim of identity theft a few times and submitted the documentation to them and tried to call. Every time I call the automated response tells me I can't be verified! I know my address and if I can get past that the questions they ask me about my credit report they say I got wrong as well! I know where I bought my car ( the lender and how much I pay for it ). I am trying to buy a home and I have been trying to get this and the inconsistencies on my report fixed Since XX/XX/2021!!! I have not gotten a response from them at all! 

As far as the accounts in question I have not gotten any response from the accounts for the inquiries and I get generic letters from the accounts that need the payments corrected to contact the bureaus. I have followed up with XXXX  & XXXX  and they complied graciously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from XXXX to follow the law and report all four accounts on my XXXX credit report. 
Because of XXXX negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to XXXX but for some reason XXXX is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If XXXX fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Account # XXXX XXXX XXXX, XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( XXXX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file XXXX XXXX XXXX  # XXXX Open XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately a year and a half I've been fighting creditors over ( 8 ) unauthorized inquiries on my consumer disclosure. I spoke to the fraud department to each creditor, they assured me within 90 days these inquiries will be removed. However, they still remain on my file. These creditors did not have my consent to pull my credit file and lower my credit score at the same time. They had no permissible purpose, they illegally violated my consumer rights. I spoke to each Credit Bureau as well as their creditors and I basically am not getting anywhere with either one of them they are not cooperative.
Product: Credit reporting or other personal consumer reports

ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU
Product: Student loan

I have been using MOHELA for several months prior to the current repayment pause ending. I have been on the PAYE and recertify my income annually. This year I submitted an IDR recertification on XX/XX/2023 and noticed that my payments went to {$0.00}. I called to inquire regarding this and was told that " due to an error on MOHELA 's processing, my XXXX was input as {$0.00} ''. This is completely incorrect and I am worried that this may look like fraud. I have made several attempts to resubmit my application as listed with the appropriate response on MOHELA website : XX/XX/2023 - denied. When I called to inquire, they told me that this was because my IDR would result in higher payments, essentially going from $ XXXX to the actual amount. I was told to resubmit and wait XXXX days. At this time I also asked for my forbearance to be lifted which I was told would take XXXX days. I have since called multiple times and as reflected on my MOHELA account have had service representatives resubmit my XXXX on : XX/XX/2023, XX/XX/2023, XX/XX/2023, all of which have had no response or any information regarding the status. I am also still on administrative forbearance despite being told that this is being lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX AI XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX &  XXXX  of this yea r Portfolio rec overy began sending notices and calling for a debt collection from  XXXX  's of  XXXX  which was charged off and sold to them because I began disputing items on my credit that did not belong to me. According to credit report they purchased this account on  XX/XX/XXXX  never signed a contract with portfolio recovery it was a closed account when my report was ran on XX/XX/XXXX after which I disputed because I did not owe nor do I owe a debt to portfolio recovery. I have never acknowledge the debt with them because it is not my debt. After disputing after the 30 day deadline to validate they sent a letter with copies of statement that anyone could get still have not sent proof of a signed contract nor any proof that the debt was validated. On  XX/XX/XXXX  I received a letter from a lawyer stating that they now will be collecting a debt for select portfolio for the same amount stating they were contacting me on portfolio recoveries behalf. Demanding that I begin making payments to them.
Product: Debt collection

Received call on my cell phone XXXX XXXX XXXX on XX/XX/2018 approx. XXXX XXXX eastern Said I owed some kind of debt and there was a summons for my arrest I told him to get lost and he said was going to call every day and twice on Sunday and that he was from XXXX  the town of XXXX XXXX
Product: Checking or savings account

This is for XXXX XXXX bank of America lawsuit I want to be compensate.from XXXX
Product: Credit reporting or other personal consumer reports

include account dates, account dollar amount actions that you tried to already take.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Back in 2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.
Product: Other financial service

I mailed a payment to the XXXX XXXX which presented to my checking account on XXXX/XXXX/15. XXXX/XXXX/15 I filed for bankruptcy this account was not included, because of this my insurance paid off the balance of my account causing an over payment. XXXX/XXXX/15 I requested to have the over payment returned, that request was not processed. XXXX/XXXX/15 second request for over payment started this was completed. XXXX/XXXX/15 I received my check and I deposited it on XXXX/XXXX/15 to my account. XXXX/XXXX/15 the check was returned unpaid as unauthorized. My checking account was then charged a {$20.00} fee for a {$25.00} check. I am not out {$45.00} instead of just {$25.00}. XXXX/XXXX/15 I contacted customer service to XXXX for a replacement of funds, they stated someone would contact me back and they would find out why the check returned. XXXX/XXXX/15 I have yet to receive a call back. I have contacted this customer service almost on a daily bases and either the call is dropped or they tell me a supervisor will call back in 24 business hours and yet I have not receive a call or my money. I have requested the telephone number to the corporate office and have been told there is no number. I checked on line found a number that is just a series of voice recording information.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute delinquent payment statuses on two Home Depot credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the Home Depot cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of Fair Collections and Outsourcing buying a debt that you do not owe, which is illegal. These XXXX credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all XXXX reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a XXXX back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. XXXX fed up now especially since its hindering my ability to rental a home and credit card increases.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The XXXX  of my XXXX  was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission XXXX  XXXX  affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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 XXXX XXXX, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a request for an XXXX on XX/XX/XXXX via XXXX formerly known as XXXX who services my student loans. I was approved on XX/XX/XXXX for $ XXXX  monthly payments til XX/XX/XXXX due to financial hardships however on my credit reports, its being reporting I currently have missed payments.
Product: Payday loan, title loan, personal loan, or advance loan

WELL FARGO BANK OPEN A PERSONAL LOAN UNDER NAME, THAT ITS NOT MINE NEVER TOOK LOAN OUT, NEVER DONE BUSINESS WITH THEN, AND CURRENTLY THE ARE REPORTING A FRAUDULENT LOAN UNDER MY NAME # WELLSFARGO XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I owe {$4600.00} on my JCPenney card which is currently charging me 23.99 %. My husband lost {$40000.00} a year in income this year.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE SAID DEBT, PLUS IGNORED CEASE AND DESIST COMMUNICATIONS DEMANDS, THE TAXES IN QUESTIONS ARE CORRECT VIA AMENDED TAXES FROM XX/XX/XXXX-XX/XX/XXXX TAX SEASONS. STOP CALLING MY DADS CELLS. THEY KEEP VIOLATING THE DODD FRANK ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.