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

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 1. The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, AL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
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.but the credit reporting continues to violate and not remove information there is so much not accurate information on my credit report. Account : XXXX XXXX XXXX has 2 personal loan account number XXXX with {$4700.00} and I spoke to a rep at XXXX  they noticed the inaccuracies and still will not remove.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 

XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$650.00}, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

My car dealership, XXXX on XXXX XXXX in XXXX, FL, overcharged me for a service on the vehicle by {$640.00}. They rectified the situation by sending me a check for the error instead of sending it to the finance company, which is Ally Bank. I sent the payment to the finance company, and it is my understanding that my interest rate is based on the amount of the loan as well as my monthly payment amount, but after notifying my finance company of this error, no change was made to the contract, and I believe that for over a year, I 've been over charged in interest, which has caused me to be severely upside down in the vehicle equity and unable to refinance with a more reputable institution without an impossible to come up with down-payment.
Product: Credit reporting or other personal consumer reports

My information has been breached over 8 times in the last 6 years. I have debt reporting that I have no proof of holding myself liable. I have not obtained these items they were obtained from a unknown person/fraudster. I have disputed countless times and it has not yet been resolved. My disputes results come back verified however I am not provided proof of these verified debts which I know NOW is now a violation of the FCRA. I have been disputing these same accounts for years as they have not yet been verified with any legitimate proof. I have not been provided contracts bearing wet signatures and or proof of my debt owed.
Product: Debt collection

XXXX XXXX has a law firm collecting on the the debt, I have mad payment arrangements and have bee paying on the debt. XXXX  is refusing to report payments made under the agreement as of XXXX. XXXX XXXX subsequently reported on my credit a missed payment for all the months prior to the payment arrangement. Now that I have made payments they are refusing to update the status of the agreement but reflecting the payment, balance change but still in a charged off status. Im currently in the process of purchasing a home and can not get funding do to the status of the account. I even offered to pay the balance off in full but they still stated they were unable to change the status of the account at this point. XXXX XXXX totally removed the account from their systems and only refer conversations to the law firm of Buffaloe  and XXXX XXXX, who does not partake in any of the credit reporting. They are damaging my credit and refusing to update the status. This account is also 8 years old.. and should not be on my credit at the time it was scheduled for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I reached out to XXXXXXXX XXXX XXXX to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but XXXX will not resend me the letter, yet they are still reporting inaccurate information.
Product: Debt collection

Hi, Hope this finds you well. I have two, both below {$60.00} accounts that were added to my report that hit my account without my knowledge. I am currently in process of taking out a mortgage, and these two incredible small payments that i had paid in full the second i was noticed are hurting my account over 100 points. 

The XXXX XXXX Account was kept without my knowledge for over 2 years, and was only brought to my attention when a credit pull was taken, I was never reached out to by the utility provider nor debt collector.
Product: Credit card

I made a payment for XXXX for my balance on the credit card it should be posted today
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset that this credit reporting agency - Transunion would try such a blatant stall tactic. I am demanding that they re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. They basically said they will not investigate my fraud dispute. They are violating my rights under section 605B of the Fair Credit Reporting Act. 

They also need to provide me with their method of investigation. I want the items indicated in my letter removed until a proper investigation is completed.
Product: Credit reporting

Experian is reporting inaccurate information on my credit report passed the 7 years statue of limitations ... ... why? ive tried to contact them in regards ... .its against the law to report items for 14 YEARS ....
Product: Credit reporting or other personal consumer reports

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding XXXX student loan accounts with DEPTEDXXXX that are incorrectly reporting a XXXX late payment for XX/XX/XXXX. Despite sending XXXX dispute letters over the past XXXX months, there has been no resolution, nor has any verification method been provided. The accounts in question are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account XXXX Date Opened : XX/XX/XXXX There are no prior late payments on these accounts, making the XXXX late report inaccurate and in violation of the FCRA. This error has caused me considerable hardship, and I am prepared to seek litigation if it is not corrected immediately. Please find attached my notarized affidavit and original dispute letter with date and time stamps.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report a closed charged off account on my credit. 
However, they are reporting a balance of {$21000.00} which is definitely wrong and incorrectz
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Discover bank caused me to have a nosebleed at work today. Let me explain, it all started last night I was going to set up an account @ their Bank. But the only person I was ever able to speak to you with this same one mindless corporate drone. Absolutely insistent certain things just had to be done online. She caused me to have a XXXX she stressed me out so much. I havent been having very many XXXX since I moved I have an abusive situation with my parents. Theyve actually become quite rare, In a negative sort of way this is sort of impressive. And because I had one XXXX last night ; And if having another one at work in the course of trying to do my job. Had to interrupt work on the clock to take care of it & ruined a kn95 mask
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data XXXX and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
Product: Student loan

In XX/XX/XXXX I had a loan with XXXX XXXX to pay my son 's XXXX XXXX XXXX tutoring. I was a co-borrower and the borrower has past away. I have tried to make payments and the balance never goes down. In XX/XX/XXXX the balance was still over 8000 on a XXXX loan. I feel that this is invalid and I am being scammed by Navient/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On Friday at XXXX XXXX., I called XXXX 's customer service to initiate a dispute regarding this bankruptcy. I was informed that XXXX had previously conducted an investigation and that the bankruptcy was verified, and would therefore remain on my credit report. However, I never received any formal verification letter, only a verbal notification indicating that the bankruptcy would stay on my report. 

During the call, the representative informed me that she could not record the conversation, although XXXX could do so. She also stated that the verification of the bankruptcy was conducted through the court. I immediately explained that I have an official letter from the court ( XXXX XXXX XXXX XXXX XXXXXXXX ) stating that the court does not share information with third parties such as credit agencies. I requested to speak with a supervisor, who initially refused to initiate a new dispute, which I consider to be fraudulent and harmful. 

Eventually, after my insistence, the supervisor did initiate the dispute, although I was not provided with clear details on how the verification process would proceed. 

I believe that XXXX  actions are fraudulent and damaging, as it has caused significant harm by keeping inaccurate information on my report without proper verification.
Product: Credit reporting or other personal consumer reports

I sent Experian a request to provide a validation of debt / assignment contract on XX/XX/year>, Instead I received the generic reply " Account information disputed by consumer ( Meets requirement of the fair Credit Reporting Act '' ) I am certain that they did not investigate my dispute, Instead they used XXXX to provide me with my final results. The debt that is on my credit report is XXXX XXXX XXXX account XXXX. I request that they provide me with the the verification of debt as I previously requested. I request that Experian provide a description of the procedure used to determine the accuracy of the debt. I also request that they include the name and phone number of anyone contacted in connection with the investigation.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX Capital One closed all three of our family and personal accounts We were told that they no longer wanted us my savings, personal and joint accounts with my husband. They made it difficult for us to withdraw the funds and we had to go to the bank and communicate by phone to CapitalOne It was a tedious process and extended because we had to go to the bank office in XXXX Va Capital One encouraged digital banking transactions and so when the account was closed I no longer had access to my payment history and deposits from my retirement funds and social security were not accepted Bills that were arranged to be automatically paid through the bank were difficult to rearrange and there were some extra fees incurred This many months later its a start to restart some deposits that came from XXXX to my husband in a pension Capital One had a data leak and many charges over several months accrued on two of the accounts prior to the bank refusing to serve us as customers. Credit cards were closed and we were inconvenienced by having to dispute erroneous charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is very important to me and I had some severe health issues and was hospitalized. I tried working with the creditors but I received no help. I filled bankruptcy and I still have old things from that on there. I'm at a complete loss on what to do.
Product: Payday loan

Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 accounts 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 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: Debt collection

I have lived in this house and have had the same telephone number since XXXX, XXXX. I do not have any debt. My home has been completely paid since XXXX, I don't have any other debts ; I pay my credit cards in full every month. XXXX has been calling my house off and on for the last three years. I have spoken to them and the calls will stop for a couple of months ; then they will start again. Please have these type of people stop bothering honest people like me. I am XXXX, old and with the phone ringing 10 to 15 times daily ; it's very hard to keep up with these scammers. Thank you.
Product: Money transfer, virtual currency, or money service

During the summer time I was supposed to be moving into a rental property on XXXX different occasions. I ended up losing up to XXXX XXXX When I tried to report the scam, I was denied only because I authorized the payment.
Product: Mortgage

I am confused By XXXX Information. 
What company am I dealing with and why are They Falsely Reporting information on my Credit Report Timelines? 
1 ) Is it XXXX? ( EXHIBIT B ) 2 ) XXXX ( EXHIBIT A ) Was this Account/Loan Transferred? EXHIBIT ( A ) under DescriptionWas this Account Foreclosure Redeemed? ( EXHIBIT ( C ) XXXX Remarks ) Was it Reclaimed by Credit Grantor ( EXHIBIT ( C ) XXXX RemarksWho was the Credit Grantor and why have I not been Notified if Changed? 
Where are the assignments? 
Why are they Violating FDCPA, FCRA, TILA, Rosenthal act, RESPA and why is Ok to Flat out LIE when asked for Verification and Validation of Information