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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX - XX/XX/XXXX * XXXX XXXX XXXX - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX and XXXX have violated my rights. 

15 U.S. Code 1681a.2 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

I was advised to ask for forbearance after not being able to afford the amount they were asking me to repay. I went to a school that I was not able to obtain a job after completing the program due to not having enough work experience through my schooling. I was never able to obtain a job in the field that I paid around XXXX for and was never able to afford the amount they were requesting me to pay monthly from the beginning which ranged from XXXX-XXXX per month. Even while employed I was told to ask for forbearance and I did the maximum amount of times till recently when I have been unemployed. Needless to say all of this has affected my credit tremendously.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score 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. 

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

All I want is a copy of my free annual credit report from both Equifax and XXXX XXXX. XXXX was kind enough to send me their free copy. I have attached a copy of my driver 's license to validate my domicile. Thank you.
Product: Credit card

American Express sent misleading requests for payments to bring my balance down on an account I have had over 35 years and never missed a payment. They tried to mislead me to lower my balance despite the fact that I was not over my limit, then they lowered my limit in the middle of the billing cycle to below my current balance and shut my card off citing " Over limit '' as the reason. I had not missed a payment when they turned off the card and all of my subscription services and renewal items including medical payment plans then bounced because the card was off. 

I spoke to them several times and they assure me they would not shut the card off but did anyway. Then they sent me emails and communications when my card was off that said if i made the payment the card would be turned back on. I made the payment and the card is still not turned on and is still declining charges. 

They also sent me an update on my account that shows " No payment due '' and my account in good standing despite the fact that they still have the card off. 

They have committed fraud and I intend to pursue this matter with the courts or arbitration, they have cost me an enourmous amount of time and embarrassment.
Product: Vehicle loan or lease

I was not informed that my vehicle was being reposted until a tow truck showed up to my house without prior knowledge. When asked about why he was there I was told he was doing his job. Twice prior a car drove by as if it was recording me or my neighbor 's houses. After the tow truck which was months later another car drove by recording and taking pictures of our houses. On XX/XX/2023 acar came pulled up in front our houses and set. As a XXXX XXXX, XXXX XXXX  of XXXX and a XXXX XXXX  survivor, I became weary and anxious so I called the police. The police informed me they were repo people and made them leave from sitting on the corner for an hour. Today XXXX XXXX a weird truck sat out side my house for over an hour. When I asked if I could help him, I was again told I'm just doing my job that he was a utility worker. But it looked as if it was the same driver of the tow truck. I get XXXX to XXXX calls a day whether I talk to them or not and now I'm being stalked outside my house. I'm scared to leave because I don't know who the individuals are. Only thing I've been told is I'm doing my job. This should be considered predatory and dangerous practices. I really hope you can help me rectify this situation.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX. 
Social security XXXX :XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XXXX XXXX, 2017 under account XXXX, XXXX XXXX XXXX opened XXXX XXXX,2022 under account XXXX, XXXX XXXX XXXX opened up XXXX XXXX, 2023 under account XXXX, XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX, 2021 under account XXXX, XXXX XXXX opened XX/XX/XXXXXXXX XXXX, 2022 under account XXXX, XXXX XXXX opened XXXX XXXX, 2020 under account XXXX, XXXX  XXXX opened XXXX XXXX, 2020. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX - XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Specialized Loan Servicing ( SLS ) purchased my HELC from XXXX XXXX XXXX in XXXX, and at the time, I was in hardship after years of unemployment. I was able to get help with the first mortgage through the Hardest Hit program but was told there was no help for the second mortgage. I received a letter dated XX/XX/XXXX, that served as a notice to default with an intent to foreclose on my property if I did not pay the accrued amount to bring the account up. In XX/XX/XXXX, I submitted a loan application with my primary lender and was notified on or around XX/XX/XXXX, that my refinance has been loan conditionally approved. I have been in conversation with SLS representatives as I have been in this process to seek the payoff amount, which would be included in the refinance. Today, XX/XX/XXXX, two weeks from closing the loan with the primary lender, SLS tacks on additional interest and escalates the charges to add {$20000.00} to the payoff amount. They have taken the loan back the original amount as if I never ever paid anything towards the principal and interest, plus adding interest from the time that I went delinquent to the present ; this is excessive. I am asking for assistance in obtaining a reasonable payoff amount.
Product: Credit reporting or other personal consumer reports

You are reporting incorrect information for the account XXXX XXXX XXXX. XXXX is reporting that I was late on this account 19 times, while Equifax is reporting XXXX late payments. XXXX reports that this account was paid off. How is this accurate reporting. XXXX XXXX informed me that they submitted a request to update the tradeline on XXXX XXXX so why is this incorrect information still reporting? This is a violation of the FCRA and if this account is not removed due to inaccurate reporting, I will be taking legal action against your company. Please see the attached response letter from XXXX XXXX and the credit report showing the inaccurate reporting. The data being furnished on my credit report is not credible and therefore has to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education has duplicated the same information through several companies on my credit report. Making it appear that I owe 3-4 different companies the same amount of money ; and each of them are derogatory. Each of them reporting similar information but different payment histories, different start dates, different last activity dates. I have never had a contract with any of the companies listed below and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. XXXX XXXX DEPTEDXXXX. 
One credit bureau received an update from the Department of Education on XX/XX/2021, claiming that my past due balance had increased {$1.00} ( XXXX dollar ). The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. It seems as though the Department of Education is purposely reporting inaccurate information. This repeated abuse is damaging and its only purpose is to cause injury. The reports submitted to the credit bureaus by the department of education should be deleted. 
Each credit account I have should only be listed on your credit reports once. But these accounts are listed multiple times. Accounts that are reported more than once may make it look like I have more debt. This is a violation of the Fair Credit Reporting Act ( FCRA ). The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. On XX/XX/2021 the Department of Education reported a {$1.00} increase to those accounts and XXXX dropped my FICO score 55 points. XXXX has since corrected the issue to show there was in fact no increase of debt. 
XXXX XX/XX/2021 ( 7days later ) DEPTEDXXXX and the Department of Education updated those accounts ; again showing another {$1.00} increase in the same accounts. XXXX again dropped my FICO score, this time 59 points. This is retaliatory.

The has already closed my complaint about the Department of Educations reporting practices. Suggesting that I contact them directly. I have already tried. My interaction with the Department of Education is that they are unwilling to correct the errors on my credit report and they will not voluntarily delete their account. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. 
Who else does a consumer go when the Consumer Financial Protection Bureau wont actually protect consumers from the Intentional Infliction of Emotional Distress and retaliatory behavior from what seems to be a predatory lender? 
The inaccuracies should be deleted from my credit report because they fail to meet the requirements under the Fair Credit Reporting Act ( FCRA ) ; where both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in my report. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft.
Product: Checking or savings account

XXXX XXXX XXXX XXXX has closed all of my personal accounts, credit cards, and business accounts, with no explanation, leading to a very frustrating experience for me. They now have around $500 of my money tied up in cyberspace, who knows when I will get it back. I am a law-abiding citizen and have never had any problems with any other bank, however Wells Fargo refuses to provide me with any reason or explanation for why they have closed all of my accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this request to prompt an investigation into the fraudulent inquiries listed on my credit reports. I urge the XXXX Credit Bureaus to initiate an investigation as stipulated by law. Listed below are the fraudulent inquiries that need examination and removal : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

During the student loan freeze money automaticly withdrew from my account which was wrongfully taken out of my account to due to loan forgiveness being in effect. 

Payment Details Confirmation Number : XXXX XXXX Account : XXXX Group ID : XXXX Payment Amount : {$62.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Routing Number ending in : XXXX Account to be Debited ending in : XXXX Confirmation Number : XXXX Nelnet Account : XXXX Group ID : XXXX Payment Amount : {$71.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Routing Number ending in : XXXX Account to be Debited ending in : XXXX Confirmation Number : XXXX XXXX  Account : XXXX Group ID : XXXX XXXX XXXX : {$74.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Routing Number ending in : XXXX Account to be Debited ending in : XXXX
Product: Debt collection

This account has been off my report for months and now just reappears out of nowhere after I had already proved it to be false.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I submitted a dispute with EQUIFAX about a report of being 120 days late on a payment to DEPT. OF ED/XXXX. I never had any dealings with XXXX. I am unable to contact or address my report that they say is complete. They say I have a 100 % payment history but still have this on their credit report. XXXX   and XXXX have resolved this problem.
Product: Mortgage

On XXXX XXXX2023 I spoke on the phone with agent named XXXX about making a principal payment. He informed me of which I already knew that the payment would apply from XXXX XXXX2023. This payment as we discussed was to be electronically drawn from a checking account in the amount of XXXX XXXX Dollars and applied to the principal. I checked my account for three days and the payment was not processed yet. I called the company On XXXX XXXX2023 and spoke with a agent by the name XXXX who informed that since the payment was made on the weekend that it would post XXXX of that day XX/XX/23. Today is XXXXXXXX XXXX,2023 and the payment still has not been withdrawn from my account, meanwhile 7.50 % interest is compounding and I suspect this is the reason for the delay.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. telerecovery are now threatening me for an alleged debt that bought from the alledge original creditor that claims I owe something. I never received a Material Disclosure of any of the information that was supposed to be provided to me. telerecovery has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Checking or savings account

On a letter dated XX/XX/2021, Ally bank stated it will close all of my checking and savings accounts without a reason listed. I have been a long time customer and aside from my recent change of address, there has been no changes to the usage of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I XXXX XXXX via written communication to Portfolio Recovery Associates LLC regarding three accounts that were opened in my name without my authorization. I an an Honorably discharges XXXX XXXX XXXX, and I was homeless for 4 years during the time that these accounts were opened. I have been contacting Portfolio Recovery Associates LLC to show me proof that I opened these accounts, but to no avail.They also have not seen fit to remove these accounts from my credit report. This has resulted in extreme difficulty for me to get back on my feet and also to obtain the resources necessary to take care of my XXXX children. 

Portfolio Recovery Associates LLC are aware and have made me aware that the statute of limitations on the accounts have expired, Portfolio Recovery Associates LLC have not made any attempts to remove these items from my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX ( XXXX ) XXXX. amount of {$2200.00} XXXX XXXXXXXX XXXX ( XXXX ) XXXX. amount of {$5100.00} XXXX XXXX amount of {$3500.00} I have never had any issues with my credit and I have traveled the world with the XXXX XXXX for over 10 years with no issues regarding such. I pray that The CFPB can assist me in getting this matter resolved without prejudice.
Product: Credit card

On Wednesday, XX/XX/XXXX, I reached out to Discover Credit Card about expanding the dates for my 0 % APR - I was told by the representative they could not do it. I then mentioned that I wanted to discuss closing my account, and I agree to discuss it further. Then, the phone call ended. I never received a call back, voicemail, or email. The next thing I know I am logging into my account to start paying it off, and the account is closed. How is this even legal?
Product: Mortgage

Yea yeah, hackers don't exist. All in my head. Look, can you just tell them I need control of my textfree numbers XXXX & XXXX back immediately. Those are not my email addresses you seel linked to them in pics. They keep doing this. I spend so much time having to always change passwords on diff accounts and trying to remember but resetting them when I don't, it constantly takes away time I could use to do more productive things, like seure and retain employment. Nothing more to say other than to stop getting into my accounts already!
Product: Debt collection

I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.