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

XXXX XXXX XXXX XXXX XXXX and Transunion for {$530.00} form XXXX XXXX XXXX on XXXX XXXX,2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I request that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$150.00} XXXX. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2700.00} XXXX. Mobiloans XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2900.00} XXXX. XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$1700.00} XXXX. XXXX XXXX XXXXXXXX Account No. XXXX, Opened on XX/XX/XXXX, XXXX : {$160.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

Last year in XXXX they began garnishing my paycheck and three times the information was sent to them and it was found that it was identity theft and the credit cards were from early 2000 's and never even issued to me.Eventually I was able to retrieve half of the garnishment back {$410.00}, my HR dept. decided to not make any payouts because it was found that someone stole my identity. Now the same collectors are coming again after me with other debts and they have all the documents clearing me. All I want is my {$330.00} which is the remaining balance that is owed to me. They also mentioned his name is XXXX XXXX that he only has {$290.00} because the marshal kept {$40.00}. That is not my problem I want every cent that was garnished from my paycheck. My HR has tried as well as to retrieve my money and they refuse to give it back. Now they just send me another debt judgement same collectors knowing they have the documents that state I was cleared of those debts which were never mine. My HR stated that they are scammers and were sorry that they fell into this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance - XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Vehicle loan or lease

My down payment was not included in the finance charge and that is a violation of 15 USC 1605.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX Account, 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 an account without my written instructions. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Charge Off XX/XX/XXXX- {$1500.00} Late PaymentXX/XX/XXXX- {$30000.00} XX/XX/XXXX - {$0.00} Bankruptcy XX/XX/XXXXXXXX Bankruptcy - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX party data furnishers.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XX/XX/XXXX/XX/XX/XXXXXXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit card

Wells Fargo account. Account belongs to my estranged husband. Who added my name to his account without my knowledge or consent. This I believe happened in XXXX of 2023. When I became aware of this I requested he have it removed. He called wells Fargo and made request. Today I checked my credit report on XXXX XXXX, XXXX and XXXX and i have it listed on these reports resulting in a XXXX point credit drop. I want this removed ASAP I had planned on purchasing a home and this has caused severe damage. I believe this is tantamount to fraud as I did not give permission for this either verbally or in writing. This is extremely poor practice. What would stop someone from adding XXXX XXXX name to all their accounts. Please help get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX and Equifax credit report was opened without my authorization and the accounts and credit inquiries are fraudulent accounts and credit inquiries : XXXX Banks XXXX {$280.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XXXXXXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX {$5600.00}, XXXX XXXX XXXX XXXX {$580.00}, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Mortgage

On XX/XX/19 XXXX XXXX at Ally Financial advised me to pay off {$10000.00} worth of debt. I advised him that if I did this then I would not have {$21000.00} in my bank account, XXXX then said we could lower the down payment to {$6500.00} and this would fix the issue. I advised XXXX this was all the money I had to work with, and he assured me this would fix this issue. So under the advice of XXXX, I paid off {$10000.00} worth of debts. There was no issue until XX/XX/19 when XXXX called and told me that underwriting needed more money in my banking accounts. When I advised him this was the exact thing we talked about, and theres no way Im going to cash in my stocks and lose money when this was never the agreement we made. I told XXXX we are going to leave this bank, and I wanted to speak with his manager, XXXX assured me his supervisor would contact me the next day, which did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate my rights under 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a charge-off in the amount of {$710.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I challenged this account in court and won. The creditor agreed that I did not have to pay and would not be liable for any outstanding debt. This charge-off has recently appeared on my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Transunion, XXXX, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX  XXXX CARD Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF FIRST PROGRESSS INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

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

I filed a FTC report for the unauthorized inquiries I see reported on my credit and submitted a complaint with CFPB however I spoke to a representative and she states that they never received any complaint or report of such and refuses to remove the unauthorized inquiries as requested.
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 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX  # XXXX. HARD INQUIRE : XXXX XXXX XXXX XXXX, 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 suppose to modify accounts that isn't reporting 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Can you review the documents? Several accounts listed have inaccuracies in reporting, such as incorrect amounts and dates.
Product: Payday loan, title loan, or personal loan

I was advised in XXXX that I would became unemployed XX/XX/2020 due to COVID 19 workforce reduction. I paid up as many bills as I could but this payment due XX/XX/XXXX I had to delay. My unemployment was delayed considerably but still managed to borrow money to make the XXXX loan payment before going 30 days past due. Again my due date is the XXXX of each month. I logged in on line XX/XX/XXXX at XXXX XX/XX/XXXX to make my XXXX and XXXX payments. The option would not let me chose anything sooner than Wednesday XX/XX/2020 as a payment posting date. I called and spoke with XXXX he advised that their system is set up to take up to 3 business days to post a payment. He confirmed that yes I would see the ACH process, money from my account on XX/XX/XXXX ( still within the timeframe to avoid being 30 days late ) but it will take them 3 days to credit my account. I asked if he could just do the payment on the phone to avoid a negative affect on my credit and extra days of interest. I was told no. I asked if they were offering any relief due to COVID unemployment I was told they would send me information. I decided to make the XXXX payment only at that time even though I was paying before going 30+ days delinquent it still impacted my credit which I felt was unfair and decided to hold my XX/XX/XXXX payment in hopes that my unemployment would get approved before the grace period expired. So now on XX/XX/XXXX I made the XX/XX/XXXX payment and my account was due for XX/XX/XXXX. As of XX/XX/XXXX I still had not received any unemployment and called XXXX to make a payment, that I once again borrowed from a family member. It's the XXXX of XXXX and I am trying to make the XX/XX/XXXX payment, again I was told the payment wouldn't post until XX/XX/2020. I made the payment anyway confirmation # XXXX even though I knew 1 ) I was paying before being 30 days delinquent and 2 ) since it's simple interest they're accessing excess daily interest charges and late fees against myself and other consumers even when they pay on time. I am now receiving unemployment but it is not enough to cover basic bills but I am managing all my accounts as they're very willing to work with people. This account I have stopped paying as their payment processing delay causes people to show as late, even when they're not and they're charging extra interest/fees. On my account alone a few extra days of interest n their pockets may not seem like much but when you multiply that by the thousands of people they do this to monthly it is a considerable amount of money and seems that it would be unethical and unfair