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

Experian provided incorrect information to XXXX XXXX. The actual credit score in the credit report from Experian ( XXXX ) is different from what Experian had provided to XXXX XXXX ( XXXX ). XXXX XXXX  already investigated from their end and they just used the information that Experian had provided. Also, the credit score from Experian is much lower than the ones ( XXXX and XXXX ) from two other credit bureaus.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this information. And seeking reports free from XXXX and XXXX and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXXXXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have received several emails from Experian. All of them were relating with disputes, but they did not include any progress or answers on my inquiries. There are two matters in concern. One of two offices email addresses, XXXX states member ID ( XXXX ), which other office email address dispute or XXXX does not state at all. I remember, long time ago, I had the service of identity theft from this company, if correct ; however, I have cancelled just because to save my money ; therefore, even if I had the membership of that company, it must be cancelled and I should not have the member ID. Since another office email address does not state the membership ID on the credit report, I want this office, XXXX, will explain why thy office has the membership ID even though there was no active enrollment. 

Also, XXXX stated they has the change of credit report. Upon the examination of my credit report, I could only recognize the possible change on XXXX XXXX XXXX credit card starting XXXX .... states most of the columns 'not reported. ' I am not sure what this change means at this moment ; therefore, I would like this office tell me the intention of these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting XXXX XXXX Account XXXX XXXX balance {$640.00}, XXXX XXXX XXXX XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, # XXXX  XXXX XXXX XXXX # Balance {$4000.00} XXXX XXXX XXXX XXXXBalance {$3500.00} XXXX Federal # XXXX Balance {$11000.00} has violated my rights. 
XXXX - XXXX SXXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX  Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 

I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 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 or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now!

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX  again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX removed no action taken.
Product: Debt collection

Dear CFPB I have auto and home insurance policy with XXXX XXXX XXXX. 
XXXX had underwritten this policy with XXXX XXXX. Recently they put me with other insurance by switching from XXXX. 

Here by I am attaching a letter from XXXX that I had received about my policy is being closed by XX/XX/2019. On XX/XX/XXXX XXXX has settled out my bill and paid me back my remaining balance from my early payment which is showed in my credit card bill in another attached file. 

Later they send me a new bill with remaining balance which I informed them as paid through before settlement as informed by XXXX XXXX XXXX. 

There is a clear issue running between two persons in XXXX. I never new about XXXX before until XXXX XXXX XXXX XXXX wrote my policy with them and had switched me from XXXX XXXX to new Insurance company. 

I also attached copy of emails that I wrote to XXXX about informing them that my bills were paid through XXXX XXXX XXXX and offer another chance to go over it about inquiring why an unpaid balance appears. I also offer them to talk with XXXX XXXX XXXX about that and requested to communicate with me twice. 

Following that XXXX never return back informing the bifurcation to me about the amount paid to them by me and the amount was returned by them. 
I was considered not paid while my credit card was on file for deduction and they did not charge me for that. 
And while asking XXXX XXXX XXXX through whom I was paying my Insurance bill with has informed me that all charges were settled out. 

With ignoring all those facts about me reaching out to resolve any standing issue, XXXX is just out of their way for collecting blindly without any details of what charges they are unpaid for. 
There is no details to resolve the issue with me and reached out to credit collectors because I am overly paid with their bills and they just think they can get some more last time again!!! 


While talking with credit collection services twice on XX/XX/XXXX through which XXXX is trying to collect money I was told that remaining balance might be from cancellation charges! XXXX I was never informed that by XXXX or XXXX but now by XXXX. When I informed that the bill was being taken care by XXXX XXXX XXXX XXXX, they even told me that the bill has come to them from corporate office and they do not talk to XXXX level showing their clear intention just to threat me about ruining my credit and debt collection. This is on recorded conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I never received a letter from Capital One on XXXX XXXX or my address in Wisconsin. I have no way to contact merchant and I did not make these transactions and want these items deleted and not recharged again. The merchant will not respond and I have no way to reach merchant or cancel. The merchant will not respond. These were receiving charging which I did not authorize. 

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

I received a notification I got a hard inquiry XX/XX/2023 from Barclays bank Delaware ( bank ). I have not applied for anything anywhere.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX in XXXX, Washington ( financed through a BECU loan ). I was under the impression that there was a 30-day grace period to switch my car insurance over from my old vehicle to my new vehicle. Despite this, I forgot to switch my insurance over. 


On XX/XX/XXXX, BECU sent me a letter stating that I need to provide proof of car insurance. 


On XX/XX/XXXX, I received the aforementioned letter in the mail. 


On XX/XX/XXXX, realizing my error, I contacted my car insurance company ( XXXX XXXX ) to switch over my car insurance from my old car to my new car. 


On XX/XX/XXXX, I received another letter from BECU stating that they will purchase lapse insurance on my behalf for {$700.00} for the period XX/XX/XXXX to XX/XX/XXXX and add this money to my loan balance. The letter states that I must provide evidence of coverage for this period or I would be charged {$700.00}. 


I asked my insurance company if it was possible to obtain coverage for this period, but they said it was not possible after the fact. 


On XX/XX/XXXX, I called BECU and spoke with XXXX and XXXX in the Loss Management Department at BECU about the {$700.00} charge. I was upset that I was charged so much money for 2 months of insurance. I asked that they provide me with a receipt showing why 2 months of insurance cost {$700.00}, when my insurance with XXXX XXXX cost around XXXX XXXX/month. XXXX told me that BECU would mail me the receipt. After waiting for many months, I never received this receipt. Please note that I have a secure locking mailbox, so it is not possible that the receipt was stolen.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I think they unfairly trap me into a high interest rate on a loan that the charge over 80 % of my payments go to interest ... Ive ask fir lower interest rate but denied .... Im never going to pay off this {$33.00} k loan I been paying {$500.00} a month for over 10 years and its still over the $ XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX 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 : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$75.00} XXXX XXXX  XX/XX/XXXX Experian XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, EQUIFAX concerning their handling of a fraudulent account ( SEZZLE ) listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 

On XX/XX/year>, I discovered an unrecognized account on my credit report, which I immediately reported to XXXX, XXXX, EQUIFAX as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification. 

Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft.

The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Product: Credit reporting

I paid for a one time {$29.00} for a credit report from Transition. Now I see that I was enrolled into some automatic plan within 10 days of my single payments. Obviously this is a scam with Transition because a search of the internet shows that thousands of complaints. This can not be the first time you heard of this unethical practice. Why is this company and numerous other companies allowed to use this automatic enrollment scam unfettered without punishment? 

My Orders ( XXXX ) Order Number Date [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price Transition from TU alerts to XXXX alerts auto_transition {$19.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price TU Report, TU alerts, and credit lock access initial {$1.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price XXXX Merged Report, All XXXX Scores, and Debt Analysis sub_transactional {$29.00}
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX I couldn't withdraw money from my Cashapp card through an ATM. The ATM kept declining the card. There is no Customer Service number on the back of my Cash App card. So I googled the number, and asked XXXX. XXXX said CashApp 's customer support number was XXXX. I called XXXX and a man answered saying : " Thank you for calling CashApp customer Support. How may I help you? '' He had a XXXX XXXX accent. I told him why I was calling. He asked me to hold. He came back and said my card was declined because there was a block on it due to fraudulent activity. He said he could help square the problem away. He told me to go to the XXXX XXXX   and download XXXX  quick support. I did. Then he told me to go to CashApp and chose the option in the bottom corner to scan my card. Then he told me to go to the app and start broadcast. Then go back to Cashapp to link bank accounts. My XXXX XXXX   account was there, he told me to delete it and re-enter it, with my account and routing number, then he told me to move {$500.00} from my cash app to my XXXX account. I did that. Then he asked if it went through told him it did. Then he told me to enter XXXX with an access code, then next. He said it was fixed. Then he asked to see the chip on my Cashapp card through the scan app, he said great, everything is fixed, and in 5 minutes I would be able to sue the card again. Five minutes goes by and I see {$1.00} in my account. I called XXXX. They said the charges are pending not posted. They said to dispute it and try to get my money back when the charges have posted. XXXX returned just {$550.00} to my account. I filed a police report w/the XXXX, OH police dept. The detective has not returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files several disputes with the XXXX credit bureaus asking for them to investigate and correct several accounts that appear on my credit report. I have received several responses that the reporter has verified the information as accurate, I have never received anything from this creditor after several attempts. They have not verified the account nor provided any documentation that what they are reporting is correct. This is detrimental to my credit and has damaged my access to credit and reasonable rates for several years now
Product: Credit reporting or other personal consumer reports

For a number of years, Ive been XXXX  and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and its been past 30 days since I reach out any response
Product: Mortgage

I provided my home loan servicer documented proof that I paid the property taxes for XX/XX/XXXX, but they still will not add the credit to my account. 
Caliber also allowed my balance to be paid off in 60 months and now they are requesting all monies paid off by XX/XX/XXXX