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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Product: Mortgage

I 'm currently working on a short sale because I was given no other option BUT my Realtor has n't been sucessful in getting in touch with my XXXX loan which is with Litton Loan Servicing, none of the numbers provided work because they just send you on an endless survey about XXXX, auto insurance, {$10.00} XXXX gift cards and other XXXX they are selling ( numbers are XXXX, XXXX and XXXX ). I need them to contact me Loan # XXXX in order for my transaction to move forward.
Product: Mortgage

It's very hard to get information referencing this HELOC. It seems I only get a response when request through CFPB. 

I'm requesting billing statements from XX/XX/XXXX through XX/XX/XXXX. I have sent a request to to the below add on XX/XX/XXXX per the instructions on Citibank 's letters. The request was sent via priority mail but it was returned to me XXXX XXXX as return to sender. 

Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Contacting you to formally dispute a late payment reported on my Apple card, XXXX XXXX and XXXX  accounts. I did contact the representatives on XX/XX/year>, Apple card refused to assist with this matter. According to my records, the late payment reported on XXXX of XXXX is inaccurate and should be removed from my report. 
Under 15 U.S. Code 1637 ( b ) of the truth in lending, creditors are required to provide periodic statements that accurately reflect the terms and transactions of the account. If a billing error or failure provide sufficient notice of payment terms had ocurred, the creditor may not lawfully penalize the consumer for non payment.
Product: Credit card or prepaid card

I have contacted Macys numerous times over the past few years and let them know that I paid my card and closed it, and I no longer have access to that address that was listed there or two that card. I was totally took it off and it hasnt been taken off and its been roughly 2 years I need them to remove it because this is starting to become a nuisance and its messing with my
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In addition to ongoing false reporting of revolving utilization and credit score, Experian is now falsely pursuing disputes for items that I have not disputed.
Product: Checking or savings account

I have 2 unauthorized transactions to an unknown individual/entity. Both for {$2500.00} via XXXX on XX/XX/XXXX4 and XX/XX/XXXX. I did not receive notification of both transactions and noticed only when logging into my account. I called the Bank of America fraud department on XX/XX/XXXX and reported both unauthorized transactions. A case was opened up ( case # XXXX ) and I was advised to create a new checking account, which I did and reset my online banking password, which I also did. I just want to make sure the chargeback is successful to get my funds totaling {$5000.00} reimbursed into my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.
Product: Credit reporting or other personal consumer reports

I have a repossession erroneously listed on my credit report, which has significantly hindered my financial endeavors. I voluntarily returned the vehicle, and throughout the loan, I maintained a flawless payment history, never missing a single installment. At the time, I was assured the vehicle would be sold at auction and that I would have no further obligations. However, to my dismay, the full manufacturers suggested retail price ( MSRP ) was applied to my credit report merely a month later. This unjust entry has created substantial barriers in various financial circumstances, and I am seeking a resolution to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX  ACCT XXXX, XXXX XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX  ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX XXXX  ACCT XXXX, XXXX ACCT XXXX 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 furnmish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Product: Credit card or prepaid card

Capital one stated they need more time when I filed my initial complaint XXXX and now rather than address complaint they have gone ahead and charged another high interest charge, making my balance go up again and again lowering my credit score. I am not able to work due to my business being closed due to corona virus and I may not be able to go back until XX/XX/2021. I was advised about hardship payment plan and then it was rescinded and I filed complaint and Capital One said they need more time, now they are trying to profit even more and ruin my credit during a government shut down.
Product: Mortgage

I sent your XXXX XXXX my dispute on XXXX, 2022 to validate the permission I gave to report inaccurate amounts and share my information with any third party reporting. I need for this to be properly investigated and stop reporting on my credit without my permission. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you and my signature 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6 ) Was there a release signed that gave you permission to share my information. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Debt collection

The amount they say I owe is {$870.00} and I have disputed to verify the debt but have not been given any additional information regarding the origin of the amount owed. I also have not agreed to my debt and information being sold to any collection information, and according to fair credit reporting act 15 u.s.c 1681, XXXX and whoever the origin collector is have not respected the consumer 's right to privacy ( me ), been accurate, relevant, and confidential nor informed me to know what is in my file. I am requesting the debt to be removed immediately from XXXX 's system and the original company for violating these policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX # / added a demography credit Report per XXXX XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.
Product: Debt collection

After carefully reviewing my latest credit report, I found multiple accounts that seem to be erroneous and were added without my consent.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report. Even after investigation, I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
Product: Credit reporting or other personal consumer reports

There are several " soft hits '' on my credit report these two companies, XXXX and Credit Karma keep automatic running my credit it looks like at least 4 times a month for over a year. I do not want this on my report and when I try to call the number provided on the report, it is not valid for XXXX. All those " soft hits are adding up and I feel it is affecting my credit score. Please help.
Product: Money transfer, virtual currency, or money service

I have used Zelle and undisclosed to me it switched from one account to another. Without warning or confirmation the money was sent. It was not traceable, now every time Im sending Zelle I send a test amount first to be sure it is being received to the correct person. It also switches from my email to my phone number and switches back. Now every time I send through Zelle I send a test amount and could not confirm it was received and unfortunately
Product: Credit reporting or other personal consumer reports

Hello. Ive tried over the course of the last several months. To contact XXXX FICO SCORE XXXX XXXX, in regards to my Experian Score being significantly inaccurate and lower than my Equifax XXXX XXXX credit reports. 

I am a XXXX & XXXX respectively. 
However XXXX reports a staggering XXXX FICO SCORE XXXX Report within their agency. 

This is not a small difference, but an entire XXXX XXXX and XXXX points worth of inaccuracy. I need this urgently resolved please and thank you. 

I have no outstanding debts and owe at most. XXXX XXXX  & XXXX XXXX to collections and recently resolved and settled a claim for XXXX dollars. I have been rebuilding my credit. I work for the city of XXXX XXXX XXXXXXXX. & this report is affecting my life. & my ability to gain capital as well as interfering with my inquiries for a new car & future living spaces. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file.

FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a confirmation that I am disputing several fraud inquiries on my Experian report. I tried to get a solution in the past. I sent Experian a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to Experian. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion about two Inquiries XXXX XXXX and XXXX Bank in which was identity theft. I ask them to delete and they refused even after sending the agencies Fraud report. I am asking for the removal off my credit asap.
Product: Vehicle loan or lease

Description of the Incident : Between the payment made on XX/XX/XXXX  and the subsequent payment on XX/XX/, there was a misunderstanding regarding the outstanding balance on my auto loan with Wells Fargo. 

On XX/XX/, I mistakenly paid the regular installment, unaware that the billed amount included a past due balance from XX/XX/. I rectified this error by paying the full outstanding balance on XX/XX/. Furthermore, I settled the entire loan on XX/XX/. 

Actions Taken : XX/XX/XXXX  : Initial payment made. 
XX/XX/XXXX  : Partial payment made, misunderstanding the billed amount. 
XX/XX/XXXX  : Full outstanding balance paid. 
XX/XX/XXXX  : Loan paid off entirely. 
XX/XX/XXXX  : Sent a goodwill letter to Wells Fargo seeking resolution. 

FCRA Notification : Per the Fair Credit Reporting Act ( FCRA ) page 92, sub section 7 ( B ) ( i ) " ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' Wells Fargo is mandated to notify me within 30 days of submitting negative information to credit agencies. However, as of XX/XX/, I have not received any such notification from Wells Fargo regarding the reported late payment. 

Billing Statement and Resolution Efforts : Efforts to rectify this included the partial payment on XX/XX/, followed by a full payment on XX/XX/, and the complete settlement of the loan on XX/XX/. Additionally, a goodwill letter was sent to Wells Fargo on XX/XX/, seeking resolution regarding the reported late payment.
Product: Credit card

My discover credit card was closed on XX/XX/XXXX. XX/XX/XXXX and XXXX I called discover and asked why- they stated I did not give them information in a timely manner. I called on XX/XX/XXXX to ask why my card was declined at a restaurant on XX/XX/XXXX, Customer service rep advised the denial was not on there end and can proceed to use the card. XX/XX/XXXX I asked again why my card keeps getting declined, all payments made timely since opened XX/XX/XXXX. I was told again Sorry for the trouble. There isn ; t a decline on our end so it could be a few things, a connection error, merchant equipment or the purchase was never submitted. I suggest tying the purchase again with the merchant or reaching out to the merchant about the possible issues above. I made contact with them twice in XXXX to find out why my purchases were not going thru and both times no one ever mentioned I needed to verify/ validate any information or I would have. I was told NO ISSUES what so ever I was told by customer service that XXXX and Discover sent an email requesting information on XX/XX/XXXX ( did not see any email from either ) Discover does send an email a day sometimes XXXX about promotions and such. stating I had until XX/XX/XXXX to respond. XXXX asked to be sent or if this was mailed to my home physical address like the rest of the letters from Discover. They said they could not and only send me the letter of my account being closed on XX/XX/XXXX They also stated it may have gone to my " spam '' folder since came from XXXX Had I known information was requested I would of gladly provided it as I have been working to build my credit and this closed accounts are not good. I never missed a payment since opened and called to ask why my card was being declined early XX/XX/XXXX and XXXX I did read that 45 days should be given when accounts are closed but I called prior / during the 45 days they said they sent an email and told no issues so there was nothing I could do to avoid this when you call a company and they do not say there is an issue you believe there is not issue and both times NO ONE EVER ASKED for information now my credit score is dropping drastically and I am trying to build my credit not make it worse and I am sure they are entitled to do whatever they chose but if the information was that important or a factor as a reason they can just close your account I would of expected both times to be told when contacting the company or a letter in the mail
Product: Credit reporting, credit repair services, or other personal consumer reports

One numerous attempts I have sought explanation from XXXX about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a 1099c from XXXX cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX  as well as Experian. When Experian reached out to XXXX / XXXX, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. 

See attachment for further details on the creditor and account details.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my credit report so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and noticed that I had inquiries that didn't belong to me.