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

Good Morning I am submitting an Complaint that I have with Equifax, XXXX, and XXXX regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts listed on my credit report that do not belong to me. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that my rights have been violated, and I seek your assistance in resolving this matter. Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX : XXXX ) XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) These accounts are not mine, and I am concerned about the impact this misinformation may have on my credit standing. Violation of My Rights : Right to Privacy : According to 15 U.S.C. 1681 section 602 ( a ), I am entitled to the privacy of my credit information. The inclusion of these accounts on my credit report, which do not belong to me, constitutes a violation of my right to privacy. Failure to Obtain Written Instructions : As per 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. The reporting of these accounts, without my consent or knowledge, violates this provision of the FCRA. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA by the involved consumer reporting agencies. I also request that these incorrect accounts be removed from my credit report promptly. Enclosed with this letter, you will find copies of my credit reports from XXXX and XXXX highlighting the disputed accounts, along with any other relevant documentation. I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at the above-listed contact information if further information or clarification is required. Thank you for your assistance in safeguarding consumer rights under the FCRA. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE :XX/XX/XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX BANK XXXX DATE :XX/XX/XXXXCOMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE XX/XX/XXXX COMPANY : XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXandXX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DATE : XXXX
Product: Student loan

Outstanding balanceb loan was sold and has increased unreasonable.Make several calls to me with these unreasonable amounts to settle out with a paymement
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed disputed on XXXX XXXX and still have yet received anything documents back
Product: Credit reporting or other personal consumer reports

All students loans listed on credit report from DEPTEDXXXX are past XXXX years old and should be removed from credit report. After reviweing my credit report I called and asked them to send me the original contract so that I could review the terms for myself. In addition to it reporting in accuarte information names, dates open, and late payments. Please remove all student laons from this credit report .They are damaging the consumer credit report .Purstant to 15 U.S.C sub section 1679c- disclosures after it is XXXX years old credit bureau MUST remove XXXX
Product: Debt collection

As of the date XXXX Portfolio Recovery Associates has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard Portfolio Recovery Associates latest action as harassment.
Product: Debt collection

Dividend Financial, a partner of Fifth Third Bank are predatory lending practices. I've had a loan with them for solar panels by XXXX XXXX, whom promised me everything was good, no leans on my house since I paid cash, which I will be filing another report against XXXX XXXX, my loan is going up not down and I have been paying for over a year $ XXXX FOR OVER A YEAR. I CALLED DIVIDEND FINANCIAL, and asked why the balance has not gone down it's gone up, I was told that they charge 1.29 % EVERY DAY. APR IS 2.99 % which means I will never be able to pay it off. I was forced into both contracts the day XXXX XXXX showed up at my door and used aggressive sales tactics, I DIDN'T GET THE MANDATORY 3 DAY WAIT PERIOD, EVERYTHING HAD TO BE SIGNED RIGHT THEN AND THERE'S. I have been dealing with this for over a year, but the not even getting the chance to even read either contract, and the 1.29 % every day interest is abominable. XXXX XXXX used to be XXXX, and they went under. This has got TO BE EXPOSED AND RECTIFIED. I'VE RELENTLESSLY TRYING TO GET HELP WITH THE WHOLE SITUATION EVERY DAY. Isn't that double dipping? They are both in cahoots with each other, and my roof was not sound enough to even put the panels there to begin with. I'm currently in the middle of filing for XXXX, no income in close to 2 years, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I was totally taken advantage of, and lied to from the start. Because of dividend financial and XXXX XXXX my credit report went from XXXX 's to low XXXX 's. First time home owner. Again took advantage. I was told the tax kickback would be half of the loan. Come to find out it's a CREDIT not REFUND. They have put me {$70000.00} roughly in debt, PLUS I've never even financed anything. How many other people have they ruined financially for the rest of our lives? I can't even sell my house if I wanted to because dividend financial has put a UCC lean on my house, but I have not signed it nor will I pay for something I had no knowledge of and was lied to about. XXXX XXXX also took a 2nd loan out and lied to me and told me it was not approved, and to throw anything from XXXX XXXX XXXX to not even open it. Low in behold I started investigating more and more about both. I've been ghosted by XXXX XXXX, and dividend financial has XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Santander Consumer Usa, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I was gon na cancel card because fees XXXX a year then I spoke to a representative and they said it was only XXXX so I kept it now I see XXXX fee on my bill plus rediculos charges and fees its only XXXX limit been paying a year now.concorda credit is the name of company.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX dispute I'm writing to dispute the inaccurate information reported about me under the following recent Experian Data Breach. Recently, I received a notice regarding a security incident that may have exposed my personal information. I take my protection of my data seriously and I would have reviewed the information provided. Unfortunately, I've discovered the following errors. 

My information being sold on the black web of XX/XX/year> Also new medical charges and charges that I have not been aware of through other creditors that are not me
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to my existing complaint is the fact of a 64 point difference between transunion and XXXX. Please explain this to me and millions of other consumers that I am sure have the same issue. This will all be shared on XXXX. Potential creditors don't/wo n't wait for ALL of the unreported info to catch up to date. A 64 point difference is an injustice to me and my good credit as well as anyone else. If these agencies don't have up-to-date information at any given date a " credit report '' is pulled how can they have any accuracy in their reporting. There is no wiggle room in ACCURATE, it either is or it isn't! Either you have the ability to have ACCURATE information on a daily basis or you don't. If you don't, then you shouldn't be allowed to be the determining factor in an individuals credit worthiness. As an American Veteran trying to stay physically and financially fit I wonder how many other Veterans are feeling my angst.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX This creditor violated my rights under US1681 Section602 states I have the right to privacy. 15 USC1681 Section 604 ( a ) section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
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 identity theft. 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 theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission id-entity theft 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 identity theft, not later than 4 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 readd 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: Checking or savings account

I opened a XXXX at Flagstar on XX/XX/XXXX. I was told I would be getting a rate of over 4.5 % interest for a 7 month CD. Therefore, I put into the XXXX XXXX for 7 months. The XXXX ends/matures on XX/XX/XXXX. However, it has been 3 months and there has been no additional amount added to the XXXX i initially put into the XXXX. I tried to get my money out but they said that If I took my money out, I would have to pay a penalty, even though it is my money in the XXXX and there has been no interest added to the XXXX. I think this is misleading information since I am losing money by allowing this amount to be in that account until XX/XX/XXXX. Can you please assist me with this matter. I am planning to close all my accounts at Flagstar once my XXXX  matures and I can take all my money out.
Product: Credit reporting or other personal consumer reports

I purchased a credit report with Credit Hero Score on XX/XX/year>. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time ( just today I have a c charge off that I have never seen before, ), as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and W2 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX ' Accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold the vehicle and paid off the loan since I was going through financial hardship. The company closed my account but left my account as delinquent. Please check that my account has no balance anymore but left my credit as delinquent.
Product: Money transfer, virtual currency, or money service

I have an account balance with PayPal of {$1100.00}. Since XX/XX/2021, I have been in almost daily communication with PayPal XXXX requesting that a check for this balance be mailed to me. The PayPal user agreement of XX/XX/2021, states that checks can be mailed subject to a fee of {$1.00} and confirmation of the customer 's address. The user agreement does not state that mailing a check is subject to the customer sharing a bank account number. Unfortunately, the PayPal website does not provide for a withdrawal of my funds without linking my PayPal account to my bank account. Most of the PayPal XXXX with whom I have spoken by phone or messaging have directly stated that the only way for me to receive a check for my account balance is to submit my bank account number. One XXXX offered an alternative way to confirm my address by re-linking a credit card. This process was complex and burdensome and in the end did not work. I have made it clear to all of the PayPal XXXX that I am not willing to share my bank account number with PayPal -- especially since the user agreement does not require it. No one has yet offered a way for me to access my funds without my giving up private information I want to protect. In addition, no one has explained why they are forcing on me a requirement that is not stipulated in the PayPal user agreement. I believe I am experiencing a rather clear case of a large company ignoring its user agreement to coerce a customer into sharing sensitive personal information against his will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX 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

To Whom It May Concern, I hope this email finds you well. I am writing to follow up on an unresolved dispute with XXXX, associated with complaint ID : XXXX. Despite my repeated attempts, XXXX has failed to adequately address the issue, incorrectly asserting that the window for dispute has closed. I would like to bring to your attention the circumstances surrounding this dispute and the subsequent detrimental effects on my credit score. 

The dispute in question is related to a transaction made through XXXX a company of XXXX XXXX XXXX. It has been acknowledged by the merchant that they did not forward my paid taxes to the state of Illinois, which subsequently necessitated my repayment. In writing, the merchant has requested that I initiate a dispute with my issuing bank, as they are unable to issue a direct refund since the funds have already left their coffers. 

However, my issuing bank has not only refused to honor my rights as stipulated by Regulation Z ( Billing Error Resolution ), but it has also charged me interest on the disputed amount. Furthermore, the bank has added a line item to my credit report indicating that I initiated and lost a dispute. These actions have had a severe and negative impact on my credit score and financial well-being. 

Therefore, I respectfully request the following actions be taken : 1. Reexamine Dispute XXXXXXXX : I urge the issuing bank to thoroughly reassess the details of the dispute. It is unrealistic and unfair for the bank to expect customers to possess knowledge beyond what the merchant displays as its name on its website. Therefore, the bank 's claim that I submitted the dispute with the wrong merchant is false and misleading. 
2. Remove Accrued Interest : I kindly request the immediate removal of any accrued interest related to the disputed amount. Charging interest on an unresolved dispute only exacerbates the financial burden imposed upon me. 
3. Remove Credit Reporting Line Item : I request that the line item added to my credit report, indicating that I initiated and lost a dispute, be promptly removed. This erroneous entry has significantly and unjustly impacted my credit score, hindering my financial opportunities. 

I emphasize the urgency of this matter and the detrimental consequences it has imposed upon me. I implore you to address these concerns promptly, rectify the credit reporting inaccuracies, and provide a fair resolution in accordance with the applicable regulations. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues in a timely and satisfactory manner. 

Thank you for your understanding and cooperation. 

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

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$7300.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX & XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXXXXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$7300.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$120.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.