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

On XXXX XXXX, 2017 I called Collection agency : XXXX XXXX XXXX. I had informed the Collection agency that I do not feel that I should have to pay a debt to a collection agency that I never signed a contract for. The collection shows on both my Experian and XXXX  Credit report. I filed a dispute with all 3 credit bureaus and it has been recently removed from my XXXX credit report. I would like for the collection account to be removed from my XXXX and Experian credit report. It is very hard for me to lease an apartment or house in my name due to this account showing on my credit report.
Product: Prepaid card

XXXX XXXXSo I had got my second round check in the mail for {$600.00} and I went to go cash it and I had went to cash it at a loan place and they gave me a prepaid NetSpend card and it was for my checklist for XXXX dollars and everything and they said it would be uploaded within the next XXXX minutes I waited nothing and then find out that that's been blocked my forget the cow due to having previous accounts so I had contacted them and ask them if I can't get my check or what can I do and they said they could send it back to me and that's that's been I'm talking about and I gave him my address and everything and phone number and they said there was a fee of {$25.00} for sending it back to me and. And I waited and waited and waited for a year so contact him again in XXXX  on XX/XX/year> and they asked me for talking to them again and then I was told that they located it and they would send any of my check and still haven't still to the day I have not received anything. I contacted them today on XX/XX/XXXX and they asked me about my information they asked me what my email was which I don't remember what the email was because I was able to make account but they're saying that there's an email on there and if they close the account and blocked it so how was I able to do all that I don't understand and they said they see it but they said since I can't verify my fish even though I did it's everything they told me that I need to go through the process and they asked me what the card number is which I don't have the card because it is XXXX XXXX and I was able to use that card so why would I keep it and they still won't give me my friends back
Product: Credit reporting or other personal consumer reports

LVNV Funding Sent a letter to stop reporting incorrect information on my credit report
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon regular review of my credit report, I found a hard inquiry from a company ( XXXX ) dated XX/XX/2020. I did not recognize the company and definitely did not authorize a hard inquiry. I filed a dispute with the reporting agency : Equifax. They later denied my dispute and stated it was a valid inquiry. But, they suggested I contacted XXXX. I did just that. I had to call twice because the first time, the employee became combative after denying that she told me what the product was. I asked for a supervisor and was told there was none. I called a second time and that employee was of no help. He didnt take my call seriously and told me there was nothing they could do about it. He told me to contact Equifax. So both Equifax and XXXX are telling me to contact each other. Meanwhile, I have a hard inquiry further damaging my credit report which, even though I have a perfect payment history, has an abysmal rating and other than a high credit balance, there is absolutely nothing wrong with my credit. ALL payments on time yet my score is in the 500s. So I dont know what is going on but neither the credit bureau or the creditor are cooperating. I guess my next step is legal action.
Product: Mortgage

again attempted to make the payment of {$5600.00} and I was advised that the account is in active foreclosure. I called XXXX and was advised that they could not take my payment. Then I spoke with XXXX the Paralegal at XXXX XXXX ( my bankruptcyattorney ), who advised that Fay could accept {$5600.00}. 
When I called Fay Servicing, due to updates in their system, I was advised that they were unable to accept my payment last week, and that I needed to call back. 

Today, the representative stated that this was done on active foreclosure was processed on XX/XX/2023. I was told that a payoff quote request was needed. The quote was ordered. 

I was told that I would need to wire the funds or send via mail after the quote is received. This adds additional attorney fees and costs- unfairly. 

This is horrible! Is there anything else that we can do? 

I am prepared to pay the {$5600.00} without any additional attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car with my girlfriend and received a loan in XXXX of XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX, Experian and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX and XXXX shows the balance on this account as {$22000.00} and Experian shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, XXXX shows a balance of something different! 

It's only one or the other, how can there be 3 different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Multiple Unauthorized Credit Inquiries To : Equifax, XXXX, and XXXX This serves as my Second Request in relation to the Unauthorized Inquiry mentioned herein, prior to commencing legal proceedings. 

I hereby assert that I did not provide consent to any entity to access my personal consumer information protected under the Fair Credit Reporting Act ( FCRA ). No permissible purpose has been established for the aforementioned inquiries. 

Pursuant to FCRA 616, titled " Civil liability for willful noncompliance '' [ 15 U.S.C. 1681n ], I bring to your attention the following provisions : Any individual who, under false pretenses or knowingly without a permissible purpose, obtains a consumer report from a consumer reporting agency shall be held liable for actual damages sustained by the consumer reporting agency or a sum of {$1000.00}, whichever amount is greater. 

Moreover, in accordance with the Fair Credit Reporting Act, 617, titled " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ], I wish to highlight the following : ( a ) In general, any individual who negligently fails to comply with any requirement imposed under this title with respect to any consumer shall be liable to the affected consumer for an amount equal to : ( 1 ) the actual damages incurred by the consumer as a result of the failure; and ( 2 ) in the event of a successful action to enforce this liability, the costs of the action, including reasonable attorney 's fees as determined by the court. 

I hereby request that you furnish evidence demonstrating that you possessed a permissible purpose to access my credit information. Failure to do so will necessitate the payment of {$1000.00} to the individual named in this correspondence. 

I anticipate a prompt and amicable resolution to this matter. However, should this not be the case, I shall be compelled to initiate legal proceedings against your respective entities. 

Yours sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I've had a credit card with Penfed Credit Union since XXXX. As a XXXX XXXX XXXX I often go on XXXX XXXX service for long period of times. When I do this I send my credit card companies copies of my orders for them to adjust my interest rate according to the Servicemembers Credit Relief Act. I did this for Penfed in XXXX and they failed to adjust my interest rate. I did this again in XXXX and they failed to adjust my interest rate and charged me a late payment fee that is negatively affecting my credit. I've emailed and called asking them to correct and it still has yet to be done. Please have them refund the difference in interest from the time on was on XXXX XXXX service and have them removed the 30 day late payment they are reporting to the 3 major credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Product: Credit reporting

I am unable to get a FREE copy of my Equifax credit report. I am told I need to fax or mail ( at my expense ) supporting documents or I can pay for a copy of my report at {$7.00}. I spoke with XXXX in the Equifax Consumer Affairs department and ha refused to help me or to give me his supervisor to try and rectify the problem. He wanted to mail me my report but it would only go to an address on file which I have not lived at for 2 years. I want my free Equifax credit report as allowed by law without incurring any fees, charges or out of pocket expenses.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX  XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEIFT, THE INFORMATION WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION THAT I HAVE MADE/INITIATED IT IS THE RESULT OF IDENTITY THEIFT I NOTICED A FRAUDULENT INQUIRY : XXXX XXXX  XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I filed several disputes with XXXX on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want XXXX to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED IN A DATA BREACH AND THE ACCOUNT HAS SHOWED UP ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVE ASAP
Product: Credit reporting or other personal consumer reports

This is my third and final dispute, and I demand immediate and permanent resolution to the ongoing and unacceptable inaccuracies on my credit report. Despite my repeated disputes, Experian has failed to take appropriate action, allowing these errors to persist and cause continued harm. The fraudulent and unauthorized accountXX/XX/XXXX( Account Number : XXXX ) must be permanently removed from my credit report and all associated records without further delay. Additionally, all incorrect addresses must be deleted immediately, ensuring that only XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX, DE XXXX ( current address ) and XXXX XX/XX/XXXXXXXX, XXXX XXXX, DE XXXX remain. My current address must be accurately reflected in my credit file, as this issue has dragged on for far too long without justification. I demand written confirmation within ten ( 10 ) business days that these corrections have been fully completed and that the deleted accounts and inaccurate addresses will not reappear. Experians failure to act on my previous disputes demonstrates reckless negligence and blatant disregard for federal compliance requirements. I also expect a detailed explanation of why these errors remain and what corrective measures are being implemented to prevent further misconduct. If Experian does not immediately rectify these violations, I will pursue all legal remedies necessary, including litigation, to seek full damages for the prolonged harm caused by this failure to comply with the law. This is not just a disputeit is a demand for compliance and accountability, and I will not tolerate further incompetence or delay.
Product: Mortgage

On or before XX/XX/XXXX, XXXX XXXX sent letters stating that I didn't have homeowner and flood insurance. I then received a letter that the property taxes were paid by XXXX XXXX on XX/XX/XXXX. I contacted XXXX and explained that the property taxes were not due until XX/XX/XXXX. I faxed them proof of the homeowner and flood insurance on XX/XX/XXXX. I then faxed the Hazard Insurance on XX/XX/XXXX and also proof of property taxes paid XX/XX/XXXX. I then received foreclosure documents on XX/XX/XXXX which then I filed a Motion for extension on XX/XX/XXXX to seek legal counsel. I hired an attorney XX/XX/XXXX which I had to give a retainer to. The motion for the foreclosure was dismissed on XX/XX/XXXX but I didn't become aware of it until XX/XX/XXXX. This was an error on behalf of XXXX XXXX due to the property, hazard and flood insurance were in effect and paid in full as agreed under our contract.
Product: Debt collection

On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

This is a follow up. It's been 30 days and still no result. Under federal law, you have 30 days to complete your reinvestigation. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is wrong have 5 name I have 4 address one is a business building only 2 correct address are on there
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the Equifax Data Breach, the XXXX Data Breach, and XXXX Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Product: Checking or savings account

Unauthorized purchase of {$300.00} made via  XXXX  on   X/XX/17  ;  fraud report was immediately called to Chase Bank who reversed the charge ; after their alleged investigation, they recharged the account o n  X/XX/17  ;   n either Chase Bank nor  XXXX  are willing to provide information to verify said purchase ; Chase Bank claims that there is no further investigation pending on their part & that I must sue  XXXX  to recover my funds ;  XXXX  reports to me that this claim/investigation has not yet been finalized on their end and that they never told  Chase  that this purchase was a valid purchase made by me ;  XXXX  went so far as to give m e a city & state  that the goods were delivered to but would not provide the exact address ; both companies are pointing fingers at the other for at fault and neither has been helpful in resolving this fraudulent use of my debit card ; I have filed a police report for identity theft and have filed a complaint with th e AZ Dept of Financial Institutions, and the AZ Attorney General 's office