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

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score Dept of EducationXXXX student loan XXXX - {$8200.00} ( XXXX and XXXX 90days late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ive disputed this fraudulent account XX/XX/year> ive attached a copy of the FTC FORM I DID WITH THE DISPUTE. NOW IM ASKING THIS COLLECTION COMPANY XXXX XXXX XXXX  TO PROVIDE itemized statement, THE AGREEMENT BETWEEN BOTH COMPANIES, THE CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court

may also allow punitive damages. I did not initiate any of the inquiries that a
ppear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Had disputed XXXX charges, and previously put a block to it and still was charged. So me filing a dispute again for XXXX led to my account being compromised i only have XXXX bank so my funds being in there will make me a XXXX  veteran and XXXX  with no XXXX  from family.
Product: Payday loan, title loan, personal loan, or advance loan

Reporting to the credit Bureau without my permission, I do not know this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from XXXX In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Money transfer, virtual currency, or money service

I deposited a check in my Albert cash account via their mobile deposit service on XX/XX/2022 for XXXX. It was a check that I have for XXXX  They made me write on the back of the check to say For Albert Cash only. My check still Has not been deposited into my account and its been 7 business days. There website states that it takes 5-7 business days. I contacted support on XX/XX/XXXX asking them to cancel the process. They told me I could cancel it in the app. But I was not given the option to. They are holding my check still and I dont understand why its taken long when I could have just cashed it days ago. I have pasted screenshots of them telling me that my check would be deposited today later in the day and I have nothing. I just want my money in my account.
Product: Debt collection

Starting XX/XX/XXXX-to now XX/XX/XXXX I receive over 20-to 30 calls or more a day. Now at the resident that live at which doesn't belong to me, the owner is now getting harass and they are taking his picture and threats. Random people are showing up blocking the owner drive way and will not leave and sit and wait. The complaint is from portfolio recovery associates LL. The original creditor is XXXX credit card and my account was close showing on my credit report XX/XX/XXXX. Threats are calling me that I'm going to be arrested, served and now never ending. I'm being sued and a citation issued to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via mail on XX/XX/2020 regarding inaccurate information on my credit report. This a clear violation of FCRA this report contains medical information with is a violation of my privacy. I never gave this company written consent to publish or furnish any of the following accounts. This is a violation of the FCRA 15 usc 1681 1681b. Its been over the 30 days provided to investigate. This has caused me stress and is bad reputation of me as a consumer.
Product: Debt collection

Notice a collection account was added to my credit report on XX/XX/17 that does not belong to me. I recently had my identity stolen and have a police report to support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report that changes were made to my report with actions taken by Sears/CBNA modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by XXXX  stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from XXXX  stating dispute was completed and view now ; when I try viewing XXXX sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

Sears/CBNA made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by XXXX. Every change is reported to 3rd party credit monitoring service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amounts : {$690.00}, {$680.00}, {$690.00} Delete account from Credit Report, Improper use of my Credit Report, I did not give this company authorization
Product: Mortgage

Once again this year, Flagstar Bank is trying to make money by saying they don't have information regarding insurance. The also predate their letter so they may gouge me as if I did not reply in time. The letter is dated XX/XX/2023 but was received on XX/XX/2023. I check my mail daily and also subscribe to Informed Delivery. So they are again lying. They also never answer when you call the number provided. They seem to be harassing me so they may get me to payoff my loan which is at a great rate. I am paid ahead XXXX  months in my payments.
Product: Consumer Loan

Payment on credit report states 30day late payment month of XXXX car note payment was XXXX wrote check out for XXXXdoll wrote letter to company that rest of amount be sent next paycheck in 2wks within that time report of 30day late payment was posted lowered credit score that why sent in XXXXdoll an letter in response to avoid that
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 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 results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX  # XXXX XXXX XXXX- # XXXX DEPT OF ED/XXXX- # XXXX XXXX # XXXX XXXX XXXX # : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account # XXXX XXXX XXXX XXXX  ( XXXX ) - Creditor I had never had any services provided by this company. I have no idea what kind of debt I owe when I had never had any services done to me. This could potentially be an identity theft. 

I will not pay for services I had never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified validation letter to XXXX XXXX Bank as well as XXXX XXXX loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished accepting unreliable responses and failing to adequately notify consumers of disputed outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Debt collection

I received an alert on my credit file that a company had reported false information that I owed a debt to the company ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, had reported that I owed a debt they had not contacted me by mail phone, or email when I tried to contact them the phone number listed just ran and hung up. This is not my account nor do I know anything about it they are violating the Fair Collection Act and need to be fine!
Product: Debt collection

I submitted a debt disclosure statement to PennyMac in reference to validate a loan. They responded back with not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my 3 bureau, ( XXXX, XXXX, and TransUnion ) credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations. 

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

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

XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX finance says I was late on payments when over seas in war before internet was even like it is now.

4. 5 hard inquireys. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The credit card company sent me a letter stating that the credit card they sent me had not been activated and to please so as I should have received it months prior. I had in fact not activated and did so after reading the letter. The card then only worked for a few days and then was declined. I contacted card services and they said my account had been cancelled and to destroy the card, they could not explain why it was cancelled. A few days later I received a letter stating that my account was cancelled because my credit score had dropped to XXXX. I checked and my credit score was as I expected in the XXXX and had not dropped. Im not sure where they got their information but I figured I would rather not do business with a company that couldnt get the facts straight anyway, so I just waited for a bill to pay off the closed account. When I finally got a bill I made attempts to pay online as I do with all of my accounts and their system would not allow me to create an account. I then tried calling in about it but their system would kick me out for not having an account number ( as my account was closed and I destroyed the card per their direction. So I was forced to send in a payment by mail. Apparently the payment was late and they charged a late fee which I disputed and was advised would be escalated and removed. Now I am being told it was not removed because the account was closed and I will be billed again because apparently they can continue to bill on the closed account but are unable to remove any charges as this is their policy. I was told that I will likely be charged again. So this so called policy is just their way of stealing from me. I paid the first {$25.00} fee that I was told would be removed and now I am told there will likely be another fee. I am requesting that the fee be reimbursed as promised and the next fee be waived as I have paid every XXXX spent on that card and their theft policy fees are not something that I should be responsible for as this was all due to their incompetence.
Product: Credit reporting or other personal consumer reports

There have been fraudulent accounts reported on my credit file that have been affecting my credit score.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : XXXX Account number : XXXX
Product: Payday loan, title loan, or personal loan

Hi I am an XXXX ( XXXX XXXX XXXX XXXX ). Pen Fed Credit Union in Virginia sent me a XXXX check which I took advantage of. I have always paid my payments on time. I was on XXXX XXXX for approx. 3 years. Working a restricted schedule of 20 hours per week and still paid my payments. The XXXX XXXX XXXX XXXX stopped my payments for almost a year. I struggled to make my payments and was given no relief when I asked. I went in to the Pen Fed office in XXXX, PA and the personal banker was very rude to me. She told me she could not help me that I had to call the corporate which also provided no relief options. I started pre-paying my loan a month or two in advance to have a financial cushion so I didn't loose everything. it's a term Personal Line of Credit. I made multiple payments as income started to come in and even took money out of IRA 's to keep current and ahead of sched. I would pay extra when before the due date as a payment for a month in advance. My due date is the XX/XX/XXXX of each month. For example I would pay a direct payment for XXXX, then I would make an additional payment for XXXX as a regular payment not a intending it to be applied as a principal only payment. so I would be paid two months in advance for the full term payment. There was nothing in the terms and conditions of my loan payment that said I could not pay ahead of time and it was never applied to all principal till my last two payments when they accrued interest and backdated it. I have asked the personal banker and now corporate for a copy of my terms and conditions of my loan agreement. I started really making accelerated payments in XX/XX/2020 to try and get this thing paid in advance so it would give me some cushion on my paychecks so I could pay all my bills. I have done this with other institutions and never had a problem. I feel that I am being taken advantage of and it has caused undue stress and anxiety. I would like you to follow up with the personal banker in the XXXX, PA office as well as corporate. They told me my next payment if going to be over XXXX all to interest. I never heard of being penalized for for trying to stay afloat and make my payments more manageable. They would not work with my interest rate or the payment to make it more affordable. It's not like a personal loan ... ..it 's like a shark loan from a Federal Credit Union . 
Thanks XXXX XXXX