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

XXXX XXXX IQ Data International is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the U.S. Bankruptcy Code, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Division of Child Support Amount {$990.00} XX/XX/XXXX NYS Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Subject : Disputing Information in and on my Credit Report, Hard Inquiries I am writing to dispute the following information in my file, 10 hard inquiries. 
I was car shopping the last week of XX/XX/XXXX and all of these hard inquiries were put on my credit. 

I did not authorize or even know all of these hard inquiries were put on my credit from XXXX XXXX XXXX car dealerships. XXXX XXXX and XXXX XXXX and XXXX XXXX Services all 3 are listed twice on my credit report. My name is XXXX XXXX XXXX - XX/XX/XXXX - last 6 of my social sec # XXXX, my cell XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, TX XXXX XXXX 

I called the dealerships last week and they told me, they call check with multiple financing agencies to get a better interest rate for their customers. I had no idea, they did or do this. But with each hard inquiry that is XXXX points off my credit score times 10 inquiries = XXXX to XXXX points lowering my credit score. The below addresses is 10 financing agencies they called or ran my credit with for financing. 

To my knowledge, I never signed any documents authorizing these car financing organizations to view my credit history. Therefore, I think these hard inquiries into my credit report violate the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I am requesting to have all 10 hard inquiries to be REMOVED or DELETED OFF my credit report from Experian, XXXX and XXXX credit agencies. The 2nd page attached is 10 financing agencies they called or ran my credit with for car financing. Next car I buy, I will set up financing thru my bank, so this will never happen again. 

1 ) XXXX XXXX XXXX XXXX on XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX XXXX on XX/XX/XXXX 4 ) XXXX XXXX on XX/XX/XXXX 5 ) XXXX XXXX XXXX on XX/XX/XXXX 6 ) XXXX XXXX XXXX on XX/XX/XXXX 7 ) XXXX XXXX  on XX/XX/XXXX 8 ) XXXX XXXX on XX/XX/XXXX 9 ) XXXX XXXX XXXX  on XX/XX/XXXX 10 ) XXXX XXXX  on XX/XX/XXXX Please investigate this matter and DELETE OR REMOVE these 10 hard inquiries off my credit from Experian, XXXX and XXXX credit agencies. 
As soon as possible, BELOW full addresses. 

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Servicing on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Motor XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX You for your time, XXXX XXXX XXXX XXXX or XXXX ; address : XXXX XXXX XXXX XXXX, XXXX  XXXX in XXXX, TX XXXX XXXX XXXX XXXX XXXX TX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( XXXX ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not XXXX of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore existsXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have improperly add information to my consumer report according to 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience, and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Sequoia financial has been charging interest on my collection to count which they acquired from the city of XXXX in 2015 my 1st issue is that they should not be reporting it on my credit report anymore due to it being over the statue of limitations for the state of California 2nd For the past 3 years I have been noticing the account has been acq Interest And from my understanding A collection company can not charge interest on a debt that they you purchased.
Product: Credit reporting or other personal consumer reports

Synchrony bank has failed to remove a Hardin grief from my credit report that was erroneously placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX, Has Violated My Rights. 

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

We have been paying my mortgage of XXXX to e company called Fay Servicing, XXXX XXXX XXXX Texas XXXX XXXX XXXX for many years. This is the third or fourth loan servicer for XXXX ( who actually owns the loan ) in the last 10 years. We have been paying my mortgage on time and without any problem for many years but Fay servicing ( A so called debt collector ) does not report on our credit to any of the the three major credit agencies. They claim that is not their policy to report our loan and this lack of credit history it is adversely effecting our credit value. This is an unfair procedure and should not be allowed. A financial institution should report accurately on consumers and not only adverse actions. 
Because today the credit check is used for many different reasons this is very important to us. Please help us resolve this issue as I know there are many other people in the same boat. I am a veteran and can not afford to have have a complete credit record. Thanks in advance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have told Experian, XXXX, and XXXX to investigate these accounts again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is it possible if the open date, date of last activity, and much more are incorrect? 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reported correctly.

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 an 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 ( XXXX ) 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I was a victim of fraud via XXXX transaction services from Chase, XXXXXXXX XXXX  and XXXX XXXX XXXXXXXX. I did not receive my money back and had to replace debit card connected to account. They kept stalking me only to tell me they couldnt do anything from the banks end I had to contact XXXX. And XXXX was no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mixed file the person on the other file is in debt and missing repayments, My score is going down rapidly it's causing me serious problems. The information is on credit karma the loans are XXXX, XXXX, and XXXX  I have contacted several agencies and tried to contact credit karma no one is giving me clear advice on how to fix this. I need help on what steps to take to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to try to get a car. and now im having trouble with getting everything off my report
Product: Credit reporting or other personal consumer reports

Hey I have a twin and someone think we the same person and most of the stuff on her credit is showing on mines I went to a dealer and they couldnt even find my social so idk and I cant get in touch with no one
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}
Product: Mortgage

In XXXX of this year I applied for the XXXX program because I needed assistance post Covid with paying my mortgage I have went back-and-forth with the mortgage company the state of Michigan is telling me that the mortgage company has not submitted the required documents they have not been able to get in touch with the lender to send the proper documents so The payments that are behind can be taken care of through them I have program I have spoken to the state of Michigan and to Planet Home Lending Planet Home Lending is saying that they have submitted the paperwork but theyre still calling me harassing me about the past due payments I am scheduled to start paying my mortgage again in XXXX which is no problem but I need Them to release the paperwork to the state of Michigan so the past due will be paid
Product: Credit reporting or other personal consumer reports

I have no affiliation with the creditors listed in these inquiries.
Product: Credit reporting or other personal consumer reports

All of these accounts and collections i have no knowledge of and now they are effecting my way of life.
Product: Credit card or prepaid card

Chase discriminates applicants from XXXX. I have applied a year ago to XXXX cc and having score close to the max possible i was declined because chase felt I opened too many cc in last 2 years. I asked how many considers too many and was told it is based on each independent case. I did not open ... I replaced existing ones. My attempt to clarify or point to the fact for last 21 living in the USA I had not been late even ones did not yield any positive resolution. In early XX/XX/2018 I  referred my mother to chase freedom. She got a call from fraud dept early morning that woke her up. She is almost XXXX with barely no XXXX and XXXX XXXX. I live in XXXX XXXX and she is in XXXX XXXX so I can't help her. I don't know what the conversation was about but the fraud dept did not like her answers and did not offer her XXXX translator. She got letter in the mail to call the fraud dept. I called today as she came visiting me in XXXX XXXX. Was told mom 's application expired. I asked why she wasn't offered a XXXX translator but got lied back that she was. No she did not. I want DA follow up as I feel chase deliberately filter XXXX applicants. BTW chase we all used to have checking accounts with with the same address.
Product: Checking or savings account

I suppose to receive my direct deposit on Wednesday XX/XX/year>, like any other pay day Wednesday it comes in the afternoon hours always a little after XXXX. It is now Thursday night XX/XX/scrub>XXXX XXXX XXXX  no direct deposit yet. Thousands of people is expert this direct deposit issue with Capital One bank at the moment. I'm stressed out my hard earned money is not being given to me. Capital One is not given clients any answers on exactly what happened, only say technical issues with no time frame on when Direct deposits will be restored. I live in XXXX in a city oXXXX XXXX XXXX  employee and payroll/ HR was notified about the banks negligence. Please look into this serious situation.
Product: Credit reporting or other personal consumer reports

I have been trying to fix the inaccuracies on my credit report for years with Equifax, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to Equifax about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, Equifax sent back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA 15 U.S. Code 5 1681. 

These are the following accounts that were disputed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 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 an 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 or other personal consumer reports

Im submitting a complaint to credit Bureaus 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My account and my XXXX XXXX  XXXX XXXX XXXX ) .Both account was charged fee over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor consistently is not updating my credit report each month and a has a trend of only reporting my account to the credit bureaus when my account is over limit or not paid by due date. 
I only ask that XXXX bank updates my account balance each month with Equifax. 
I have disputed an incorrect balance previously with equifax in the past 60 days. 
During the dispute process, XXXX bank updated my balance to the current balance which was over the limit and not the balance on the statement date. 

Failure of this creditor to update my account as required is resulting in inaccurate payment history, account balance and status which is negatively impacting my credit score. 



Attachments include - 1-Credit card payment history from XXXX electronic statement history 2- equifax credit report showing merrick has not updated my credit account balance since XX/XX/2022.