23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter asking for a fraud alert to be placed on my consumer report. This letter is due to the fact that several fraudulent inquiries forgot to be removed. 
Please remove this inquiries I am no liable for. 
XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX I have attached the identity theft copy. 
Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the these items that are being reported on my credit report. These accounts are not mine. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my acct. This is identity theft. Someone used my name to get a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information furnished for a private student loan to Experian on multiple occasions. On at leas one ( 1 ) of those occasions I filed CFPB complaint XXXX. I supplied documentation showing I had not been receiving bills and that the lender was sending bills to addresses at random, some of which I have not lived at in over fifteen ( 15 ) years. Experian insists it conducted an investigation and the updated credit file now shows the oustanding balance that is ten ( 10 ) times as much as it was originally reported. Experian alleges the balance was updated on or around XXXX XX/XX/2023. As a result, not only does the derogatory payment history continue to report, but now reports with a balance that is ten ( 10 ) times the outstanding balance. Given that Experian has been supplied with documentation indicating incorrect ( address changes ) by the furnisher, Experian knows, or should know that I have not been receiving statements that are compliant with TILA/Regulation Z, and as such knows or should know that the information it persists for this account violates 15 U.S. Code 1681e because the information furnished by the lender is as result of the lender 's own negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on both my Equifax and XXXX credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXXXX The following inquiries are also a violation XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws... 
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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX Credit Bureaus would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.
Product: Credit reporting

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agencyXX/XX/XXXX) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX **** XXXX XXXX XX/XX/year>
Product: Credit reporting

This bureau is plainly in violation of FCRA law Code XXXXProcedures in cases of disputed accuracy. I will challenge their disappointing investigative abilities in this complain and set forth any legal action necessary from this point forward. 

XXXX. # XXXX ... is outdated and past due in terms of deletion. By law items can not surpass the 7 years mark in regards to being on my credit report an this account in plainly in violation of that LAW The problem I am having with this company and their false and illegal repotting is that they have DELETED the ENTIRE payment history after each of my disputes in order to cover their tracks regarding anything and everything i am challenging. I have gone from having a payment history showing from XXXX to having no history of payments and therefore no ability to verify or deny anything that is being argued regarding this incomplete and invalid account. This account, XXXX, is clearly non-verifiable and over due to be deleted. 

Another concern I have is that this account, from XXXX, has been re-aged and made newer to reflect a XXXX date, even though all of my payment history has mysteriously been wiped out. 

This is unacceptable behavior and so very unlawful. Why delete information that I am disputing an then tell me it was verified? I called the number XXXX XXXX XXXX and got no response nor a dial tone. Therefore, I am curious WHO you have contacted to verify this terrible account through and HOW! I have never held an education loan with XXXX Bank, I have FEDERAL LOAN with the government and that is it! My account was transferred when my school violated FDCPA laws against its students and the government took over every students loan. I have never in the last 7 years been involved with any other loan. This is well passed that date an though it has been altered and change NUMEROUS times, I will challenge it until it is removed! It is clearly outdated and unverifiable. I am being lied to by your company and I DO NOT APPRECIATE THIS! No proof, NO descriptions and procedures, as the law CLEARLy requires under FCRA section ( XXXX ) : A Consumer Reporting Agency Shall Provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 

THIS ITEM HAS NEVER BEEN PROVIDED TO ME! I have requested proof and validity on this account on numerous occasions. You have not fulfilled your duties to me as a consumer and therefore have no right to keep reporting this account to my file.
Product: Credit reporting or other personal consumer reports

the company ( EXPERIAN ) NEVER provided PROOF of contacting the FURNISHERS nor did experian verify that the furnishers had a ( permissible purpose ) to obtain my consumer report. ( EXPERIAN ) violated several F.C.R.A GUIDELINES i recieved a letter which is attached stating that the furnishers did not always have to have written consent or permissible purose which violates 15 U.S.C. 1681b ive demanded ( EXPERIAN ) TO PRESENT THE DOCUMENTS THAT WERE USED TO VERIFY THESE HARD INQUIRIES, IN WHICH SEVERAL REPRESENTATIVES FOR ( EXPERIAN ) STATED THAT THEY DIDNT HAVE TO PRESENT THESE DOCUMENTS which is a violation of 15 U.S.C 1681n willfull non-compliance which ( EXPERIAN ) IS HELD CIVILLY LIABLE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized XXXX  party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} You are flagrantly infringing the Fair Credit Reporting Act by continuing to display this account as past due despite the fact that it has been fully paid and has no outstanding balance. The payments on this account have never been late. My records show that I never missed a payment on this account, and it was settled in accordance with the terms. Please take care of the late payments or completely remove the disputed account from this account 's payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$1.00}, XXXX Despite my numerous requests to dispute this account and correct the payment history, you have done nothing. The late payments that are reflected in the account 's payment history are misleading because I never made late payments for this account. Please remove the reported late payments from the payment history as soon as you can. 

XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} Neither was nor will this declaration be late. Given that you are adding fraudulent and incorrect information about me to my credit report, I've tried to request that you change the payment history. Please discontinue noting late payments on this account moving future, and just provide accurate information. True credit reporting is required by the FCRA.
Product: Mortgage

I have a mortgage with Wells Fargo Bank ( represented by America 's Servicing Company ). I am filing this complaint because I feel that Wells Fargo is, without good reason, blocking my efforts to secure a modification of my loan while not honoring their part of the agreement with the government. I am a former XXXX and XXXX. My over dedication to XXXX lead to my disenchantment with the educational system. After XXXX, I concentrated on my XXXX, causing a marked decrease in income. After about a decade of reasonable success, business started to fade and I was forced to go into bankruptcy. I went from earning over $ XXXX/year to a $ XXXX/month social security check. But I only do essential spending and with a loan modificationwould be able to keep my home. I only pay for food, gas, utilities, XXXX and XXXX medications, and bankruptcy payments. I have very good health insurance. I am presently trying to develop some home based businesses. But very little income has been established from those efforts. I have no family or friends from whom I can receive financial assistance. 
For the past 2 to 3 years I have had to pay mortgage protection organizations and a law firm to help me save my home. In my search for help, I often read that Wells Fargo will be difficult to work with and would cause problems when it comes to securing a modification. When I am interviewed by orginizations that might help, they warn me that Wells Fargo might cause trouble. The person handling my case with the law firm that I hired said that Wells Fargo declared that even if I still had my retail business, the bank was still going to foreclose on my loan. Because Fargo has a reputation of putting undue pressure on clients facing legitimate hardships, is the reason why I am writing this letter. Please help!!! I bought my home over 20 years ago and have done business with other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed multiple disputes with Citi bank and Best Buy starting in XX/XX/2023 about a newly bought and delivered refrigerator that was broken being returned.On XX/XX/2023 I received an email stating the items were returned and refund was issued. The following month a credit was issued and the credit card balanced went to {$0.00} ( XXXX ). The next month the credit was removed and the balance went back to full amount {$900.00} amount ( XXXX ). I called Citi bank and filed another dispute. I also called Best Buy and was assured it was a mistake and the credit would reflect on next billing XXXX made the disputes go passed 30 days without resolution and I wasnt notified in writing in any case. In XX/XX/2023 I was notified by credit karma that my credit score changed XXXX for delinquent payments in XXXX. Citi Bank reported me as delinquent during open credit card disputes. I called Citi bank and was notified the dispute was closed because of lack of documentation on my end when no documentation was requested. I asked for the information necessary to reopen dispute and was told to fax information to XXXX. I gathered the necessary information and receipts of the product being returned and faxed over. I received another credit karma notification that my credit went down XXXX points for delinquent payment and decreased credit limit in XXXX. Citi bank restricted my account and threatened my credit rating during multiple disputes without any resolve. I contacted citi bank to find out about the last reopened dispute and was told I need to contact the merchant and no recourse available to recover funds.
Product: Debt collection

I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For BB & T ( Truist Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations XXXX XXXX Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX XXXX in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave XXXX XXXX Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX paid XXXX XXXX paid off, XX/XX/XXXX, XXXX paid off, XX/XX/XXXX Closed paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

Well for the last few months I have been sending XXXX XXXX, XXXX, and Experian 609 credit dispute letters for the following accounts. XXXX XXXX XXXX account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- This complaint is made by the consumer and NOT by a third party.

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XXXX  XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX  XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XXXXXX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX  XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, I requested recurring online transfer from my Business checking account with PNC Bank. During payment scheduling, I selected wrong account with the same bank. 

Now, I am trying to STOP IMMIDIATELY ALL RECURRING PAYMENTS from the wrongly selected account. I tried deleting online but do not see delete option. I called bank 's customer service and she said that she can not do it and I have to wait till the Delete button becomes enabled.I also tried sending them email but they do not receive email complaints. I have accounts with other bank they are always available.IS PNC BANK IS IN DIFFERENT LINE OF BUSINESS THAT THEIR ENTIRE STAFF IS NOT AVAILABLE ALL THE TIME TO CUSTOMER AND NOT RECEIVE ANY COMPLAINTS??? Hard to believe this non sense. 

I need help here and stop it asap.I must have tried calling bank at-least 10 times but you get standard recorded response and no one helps to resolve such a small problem. This is an issue with the PNC ban 's system. 

I am really tried calling bank but no success. I am not left now with any other options but to file a complaint. 

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

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!