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

I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TN XXXX  ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX, NJ XXXX  ( XXXX  ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, NY XXXX  ( XXXX ) XXXX  XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, NJ XXXX  ( BY ) -MAIL
Product: Credit reporting or other personal consumer reports

On my report there is positive accounts on there that is paid on time. There is also fraudulent accounts that is in collections. I am asking that these accounts be erased from my report. I never gave any authorization to anyone to open any accounts, I have repos and other fraudulent accounts that i never authorized.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

1 ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF XXXX & 15 USC 1681 ( b ) - Permissible purposes. 
I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

2 ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - XXXX : XXXX. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Product: Credit reporting or other personal consumer reports

Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). 

NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. 

The CRA are reporting Inaccurate information.
Product: Debt collection

I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from National Credit Adjust. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unpaid collection on my credit report from XXXX XXXX XXXX XXXX, which is in regards to an unpaid debt from XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, MD. I have never lived or worked in any of the areas serviced by XXXX XXXX XXXX XXXX. This debt could not be mine. I submitted this information in a dispute to Equifax on XX/XX/2023 and received a result from Equifax on XX/XX/2023 stating that the debt is accurate. However, I was not provided any information as to how or why this debt could be accurate when I have never lived, worked, or done business in an area serviced by XXXX XXXX XXXX  XXXX.
Product: Consumer Loan

If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee Quick Cash. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX with XXXX XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me XXXX, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my Transunion credit report that were not authorized to happen, i would like the following hard inquiries removed due to no authorization given for these hard inquiries : - XXXX XXXX  Inquiry date XXXX - XXXX XXXX Inquiry date : XX/XX/year> - XXXX  XXXX Inquiry date : XX/XX/year> - XXXX  Inquiry date : XX/XX/year> Following 15 U.S. Code Section 1681c-2
Product: Checking or savings account

My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I  was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I used Worldremit to transfer money in XXXX separate transactions ( XXXX and XXXX ) to a family members in XXXX for medical bill payment. I was informed by worldremit that they could not deliver the money due to technical difficulties with their system. I contacted Worldremit the next day asking for a refund. According to Worldremit, they cancelled XXXX of the transaction and claimed they requested cancellation of the second transaction. To date, I have not received any refunds for both transactions despite Worldremit telling me it will take 3 days for the refund to take place. My last contact with Worldremit was XX/XX/2024, and they just keep repeating the same thing they told me on XX/XX/2024. Contacting their customer service is a challenge and their chat account just keep telling you the same information over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.
Product: Mortgage

Jpmc is stealing my home after they broke the contract more than 30 times plz read the pdf 's 1st is the Whole story then the ledger as well as 3rd is evidence of the crimes they made errors then god mean and deliberately pyramided late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. The entry on my reports reflect that XXXX XXXX XXXX reported this entry in XXXX 2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX XXXX. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the multiple disputes. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 5 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. Why did they not provide a dunning letter to me prior to inserting this entry on my reports? Why are they continuing to report this negative entry on my report when they have clearly violated my consumer rights. 

Being this alleged account is considered a utility account, XXXX XXXX has not provided me with copies of any terms and conditions that XXXX have changed over the course of this account being established that would validate this alleged entry belonging to me. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. It is obvious that XXXX XXXX XXXX has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
Product: Bank account or service

My partner and I are the beneficiary of an estate and have inherited a home in FL. The property was fully paid for ( No first mortgage ). The owner had a Home Equity Line Of Credit available which has never been utilized in any way and has a ZERO balance due. The Decedent went to great lengths to create an estate that would not require any probate actions upon his death. He had XXXX outstanding debt and lived a simple life. Upon his death my partner and I as joint tenants on the deed took ownership of the home. 

In order to improve the property to lease it we have been approved for a first mortgage by XXXX XXXX. Chase bank is holding a lien for the HELOC and is refusing to close the line of credit WITH A ZERO BALANCE without a court authorized agent signing a bank required document to close the account. The cost of probate to appoint a court authorized agent will cost XXXX to XXXX XXXX dollars in attorney fees to have a line of credit closed. I have already spent {$330.00} for an attorney to send a letter explaining the UNREASONABLE BURDEN this arbitrary requirement CHASE bank is imposing on us.
Product: Debt collection

A person from a phone number of XXXX on XX/XX/2022 at about XXXX EST called and asked to speak with me. When I asked who was calling the person gave a personal name and did not identify themselves as calling on behalf of an organization. I refused to confirm my identity, and I asked them why they were calling, and they repeatedly stated in a rude and aggressive manner that the matter they were calling about was a sensitive matter and could only speak to XXXX XXXX. Not once did they give the name of the organization they were affiliated with and the number itself appears to be spoofed number. I looked up the number and it appears to be associated with Nelson Cruz and Associates- and appears to be an " asset recovery '' organization. Their number appears to be XXXX and they appear to be located on XXXX XXXX XXXX, XXXX XXXX in XXXX, Texas XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Bank is reporting incorrect balance on my credit report I have disputes with all three credit bureau as well as the bank and they do not want to update the balance they are not updating. They are reporting incorrect balance
Product: Credit card or prepaid card

I am victim of Identity theft. After reviewing my credit report, I noticed a charged off account listed by XXXX for {$14000.00} under my credit profile. I reached out the company by calling at XXXX and explain the situation and then Green Sky sent me an email to fill out several affidavits. I filled out all the affidavits and sent it back to the Green Sky but they have failed to respond back to this matter and never reach out to me. I don't own any property or a house and live with a family member in an apartment building. I have never apply any credit account ( s ) or authorize anyone to apply on my behalf. I want Green Sky to remove this derogatory information from my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents
Product: Credit reporting or other personal consumer reports

Remove all fraudulent and inaccurate accounts from my credit report.

Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 





This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 





I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice file suit against your company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval.

I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days.

This is the second time a dealership has shopped for approvals and rates for me that this has happened.

There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.
Product: Credit reporting or other personal consumer reports

while I was reviewing my consumer reports, I noticed that some instances of late payment on my account which I have matained timely payment.consumer reporting agencies play a crutial role in accurately reporting consumer infomation.it is imperative that this information be reported with utmost accuracy.I have never missed a payment on the account { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } .The all three account number are { XXXX }, { XXXX }, { XXXX } .I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payment .If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as-on time, as I have consistenly upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort.