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

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DISCOVERBANK Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS STATE OF XXXX  XXXX XXXX Account Number : XXXX Delete this account.

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Debt collection

They say that I had a contract with XXXX which I had taken care of my obligation. I keep telling them to send me a signed contract which there is none. I cancelled my service after over 12 years of service. They call me everday and several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The Company Named : Re : XXXX XXXX XXXX ( misleading name ) to a company XXXX # XXXX with address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX MLS # XXXX Now this other agency from the same XXXX XXXX XXXX XXXX, also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested very confusing and misleaded mail loan offers. Things like XXXX XXXX XXXX - XXXX report dated XX/XX/2022 indicates that you have {$3200.00} in available funds How this company got my information, what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX 

Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a XXXX, I'm a XXXX XXXX and also I'm a XXXX XXXX being target by this junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Debt collection

In XX/XX/XXXX I received a collection notice from Consumer Protection Agency notifying me that there was a bill in my name that had been placed into collection. As I had never received an original bill, I immediately called all parties to inquire. The " creditor '' known as XXXX did not have record of me when I called. I referenced the account number I was given by the credit agency as well as my full name. Still no record. I then sent a certified letter to Consumer Protection Agency requesting a copy of the original bill so I could investigate further. I never received a response. 3 years passed with no notices of any kind. Then in XX/XX/XXXX I received a letter from a different agency ( Credit Collection Services ) notifying me of the same " debt. '' Seems the first agency may have sold the debt to the second agency. Again, I wrote a letter to CCS disputing the debt and requesting they provide me with a copy of the original bill. Again, no response. 2 years passed with no notices. In XX/XX/XXXX I received an alert from my credit bureau saying that a " major derogatory '' had been placed in my credit file for same " debt. '' I do not owe this debt.
Product: Checking or savings account

I opened and closed a Capital One account on XX/XX/XXXX to XX/XX/XXXX ; and that was the end of my business with Capital One. However, as i was trying to obtain my closing account information i was notified that there was another Capital One Checking account opened and closed on XX/XX/XXXX to XX/XX/XXXX. I am 100 % sure i did not open the second checking account because i live in subsidized housing and they have informed me to close my Capital One account because i do not use it. Since then i no longer have any more accounts with Capital One Banking and the second checking account was opened without my consent and knowledge.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 card or prepaid card

I have been contacting Wells Fargo for at least 6 months about this problem. Someone else with my last name is using my address to get a credit card and is now applying for a loan. I asked Wells Fargo a dozen times to fix the address. I even found his real address online and told them. They said they can't fix the address. What???? Their best advice - their only advice- was to mark his envelopes " return to sender. '' I did that - and now he's taking out a loan. Wells Fargo said - after XXXX hours straight on the phone by XXXX of us using different phones - that it could only be fixed by a branch. I went to XXXX branches. All of them said they couldn't help. I complained again. Wells Fargo wrote me and said : As far as we know he's not using your social security number. Then how come he's using my address to get a loan now? I warned Wells Fargo months ago that he was just slowly escalating into my credit. They found the time to reply with a XXXX page single spaced letter about how they couldn't fix the address. What??? Wells Fargo has to be the XXXX XXXX XXXX XXXX XXXX bank in the world.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15usc 1681 section 602 states l have the right to privacy. 15usc1681 section 604a section 2, It also states a consumer reporting agent can not furnish an account without my written instructions. Under 15uscs 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint regarding a paid collection account listed on my credit report with the following details : Creditor Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Original Amount : {$170.00} Status : Paid in Full as of XX/XX/XXXX Current Reporting Information : Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Paid The credit bureau has recently verified this account as belonging to me and updated certain fields, including the Additional Information, Balance Date, and Status Date following my dispute. While I appreciate their efforts to update the information, I believe that the continued reporting of this account as a derogatory mark is unfair and damaging, given the following reasons : 1. Account Fully Paid for Several Years : This debt was fully resolved on XX/XX/XXXX, over 4 years ago, and the continued reporting of this paid derogatory account unfairly penalizes me for a debt that is no longer relevant to my current financial standing. 
2. Impact of Reporting Inaccuracies : Although the account has been marked as Paid, the updated reporting date of XX/XX/XXXX makes it appear more recent than it truly is. This reporting practice disproportionately impacts my creditworthiness, as the debts age should diminish its effect on my credit score. 
3. Fair Credit Reporting Act ( FCRA ) Compliance : Under the FCRA, credit reporting must be accurate, fair, and not misleading. While the technical accuracy of the reporting may be valid, the use of an updated status date and continued derogatory reporting misrepresents the relevance of this account to my financial history. 
4. Request for Goodwill Adjustment Ignored : I have attempted to work with XXXX XXXX XXXX XXXX to request a goodwill adjustment for removing this account from my credit report, but they have been unresponsive. 

I respectfully request the CFPBs assistance in : Investigating the continued reporting practices of XXXX XXXX XXXX XXXX regarding paid accounts. 
Encouraging the creditor to remove this paid account from my credit report as a goodwill adjustment. 

Attached are supporting documents showing the dispute results, confirmation of the updated Paid status, and the timeline of this account. 

Thank you for your time and assistance. I look forward to your help in resolving this matter so that my credit report accurately reflects my current financial responsibility. 

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

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX withThe Office of XXXX, XXXX XXXX XXXX for Time Investimate Company sends emails and texts with VERY abusive and threatening wording such as PLEASE IGNORE THIS AND SEE WHAT HAPPENS this happened on XX/XX/19 but was just the last time, ALL of his communications have threatened jail, credit damage, reputation damage, threatens to put in the newspaper that I am behind on payments. This last message stating PLEASE IGNORE THIS AND SEE WHAT HAPPENS has frightened my wife she thinks he is physically threatening us and I have told him several times in accordance with The Fair Debt Collections Act I do not wish for him to contact me except by postal mail, which he keeps ignoring. 

And the last 2 months I have tried to pay it by emailing XXXX XXXX as he asks me to and they never take the payment. But are adding missed payment fees and reporting it to my credit even though I EMAILED HIM TO MAKE THE PAYMENT.
Product: Debt collection

I had a second mortgage with XXXX XXXX of which the loan was written off. 15 years later, I am receiving threats and harassing phone calls and foreclosure notice from Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX ). I have tried communicating with them through phone and have requested written documentation that they are the party that should have been paid for the loan. Which they have not will not provide. The original loan amount was XXXX dollars and they are demanding that I pay XXXX dollars. I hired and attorney and they are not complying with anything and they are continuing to harass me without providing proof that I owe the money. I am writing this to find out if there is any way to stop the harassments and resolve the situation and to complain about the tactics that this company is using. I am scared of losing to the foreclosure threat.
Product: Credit card or prepaid card

I ordered an American Express Serve to deposit my Social Security on this prepaid credit card. I've called for 5 days now to find out why I was unable to withdraw my money and I have stayed on the phone for hours at a time. I've reach a customer service and she redirects me to the Fraud department and then I must hold until they hang up on me. 
I need to understand what is going on with this company. I've also found many people are in the same situation with this company. Please investigate immediately before others are effected as I.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially, I wanted to cancel my credit " XXXX '' monitoring services with Experian but I remembered the lady time this happened they lowered my credit score by 5 points. I questioned this with the company but they gave me a blanket response which indicated changes made on my credit report.I advised them, that I reviewed all aspect of the Experian ( XXXX XXXX XXXX ) file etc and nothing has changed in a course of 3 months+.Not to mention the points dropped only w/ Experian and on the same day I cancelled my subscription. Nothing else was said or done after that. I just re-subscribed and low and behold points jumped back up. Well, on XXXX XX/XX/XXXX, I went to log into my account to downgrade my subscription but Experian blocked me from doing do because payment was due. There wasn't an option to cancel or downgrade at all and you pay in advance for the subscription. I decided to let it ride but almost everyday I was getting emails about the declined payment. I even called on the XXXX of XXXX asking them how I can downgrade, they said I need to log in..I tried explaining to them " I was being forced to pay prior to making changes ''. Well, XXXX XX/XX/XXXX, I just gave inand purchased the account again. Which brings me to another issue..Experian is still charging me taxes when I reside in XXXX, Alaska XXXX is {$19.00} but every charge is $ XXXX got tired of disputing that as well because they will not refund the money. So, the main issue besides the forceful billing habits is that I'm now locked out of my account again as of XXXX XX/XX/XXXX. I restarted my subscription on XXXX XX/XX/XXXX... but between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Experian unlocked my credit file, lowered my score and blocked me from using not to mention entering the account. I paid upfront for 30 days of service but they want to allow me only XXXX weeks of usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a po box XXXX XXXX  XXXX XXXX said that it would show in my credit report that I dispute this. I just received a letter from Firstsource Advantage , LLC. I called them and spoke to XXXX XXXX who transferred me to his manageXXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I've call the credit bureaus in the past about my credit score. I have NO collections, NO late pays, NO charge offs, No negative credit lines in my report. Yet my scores are in the mid 500s. I dont understand how this can be fair to me. I work hard to make sure I pay all my Bill 's on time. During this pandemic, I've used my available resources to get by to make sure I dont miss any payments. I've been turned down for loans and had to use financial services with high interest rate. Please fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from Upgrade and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which XXXX reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name UPGRADE INC Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months