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

Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from American Express on XX/XX/XXXX and the other from XXXX XXXX on XX/XX/XXXX. 

Please let me know how I can go about it. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX 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

I 've requested my credit report from Experian and received it. Upon review I noticed many discrepancies. I 've reached out to the companies listed and informed them about the information listed on my credit report. They do not have the information being reported by Experian in their records and informed me to contact Experian to dispute. I have sent 2 letters to Experian in regards to a claim to make the change and no response. I am also unable to dispute online and receive a message that I can not dispute online. I do not have my complete report number in the credit report sent by Experian and I am unable to complete a dispute online with my personal information or entering a credit report number. The contact number Experian has, is automated and only for requesting a copy of your credit report. No live representative option is given for disputes.
Product: Debt collection

Today I checked my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company that I owed them a debt. My rights under the FDCPA section 809 were viloated
Product: Debt collection

I took a class on line back in XXXX from XXXX XXXX university XXXX XXXX around {$1300.00} my mom passed away and we received money from the government program called XXXX  I couldnt receive my share unless I paid off my student loan which I did. Couple years later I was contacted by Navient a collection agency. I made years of payment to prevent from my credit being ruined. But I have paid XXXX time over what I had borrowed. I just never received confirmation of payment from department of education I hope you can help me. I have tried but have had no luck. I believe Navient owes me back pay for all I have paid them. Please help me. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from various creditors. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete so I pulled my report on XX/XX/XXXX to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act. Please see my dispute letter which is attached to this dispute that details the errors and compare that to what the credit report is now saying. I am demanding the accounts in question which are both XXXX/XXXX accounts XXXX/XXXX account number # XXXX and # XXXX, XXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX   account number XXXX be deleted from my TransUnion credit. I have included an XXXX   credit report from XXXX the file from XXXX is corrupted but this file will work for purposes of this dispute. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

i aquired this loan and after it i was deployed after being deployed i was unable too pay off both car loans aquired. i tried working it out with the actual bank paying but they had alerady illegaly sold my debit off too an collector too harras me while i came home from depolyment my depoyment wasXX/XX/XXXX on XX/XX/XXXX
Product: Debt collection

As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : XXXX XXXX XXXX : Acct # XXXX. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 10 days will compel me to escalate the issue to the United States XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.
Product: Debt collection

ADDITIONAL INFO Genesis Credit Management Calling me every time asking me if I have received a tax return, asking me to tell my son to go and get loan from the bank and Suggesting the bank too, everyday keep calling and stressing me up. All the time he keep asking for my tax refund all the time and asking me to send my tax return to pay for the debts, am tired of this person calling me all the time everyday and also give me the personal cell phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points.

SEE ATTACHMENTS
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX I initiated a balance transfer of {$7200.00} from XXXX XXXX to Wells Fargo bank. Wells fargo did not give me access to the money until XX/XX/XXXXstateing they could not find it in their system because the account access number on my actual physical card was used instead of the main account number. I sent proof of the cashed check showing they cashed the check and had the money in their possession since XX/XX/XXXX. The account access number and the main account number both go back to the same account so they should have been able to locate and give me the money much sooner than they did. Since I had to take cash advances from other cards to compensate for the {$7200.00} they had tied up for approximately a month and a half I requested to be compensated on some level for the extra expense their time delay caused me. I requested to be compensated {$300.00} or waive the balance transfer fee of 4 % on 1 future balance transfer from one of my Wells Fargo credit cards. They said they wo n't do anything.
Product: Debt collection

on my credit report it shows a collections for medical services i did not recieve
Product: Money transfer, virtual currency, or money service

PayPal closed my account without my knowledge and are not releasing my funds for two months.
Product: Mortgage

I closed on selling my home in Colorado on XX/XX/21. Since closing, I have called US Bank Mortgage to request a refund of any remaining escrow, to verify that the correct payoff amount was given, and to update contact information for any correspondence that may necessary to refunding my escrow account. Since XX/XX/21 I have tried calling their mortgage customer service number 3 times and each time I can not get any person to talk with me. Ive been on hold for 25 minutes, 8 minutes, and 21 minutes. Ive called the main US Bank phone number today, XX/XX/21, and the representative tried very hard with different numbers she had available to her and we still could get no one on the phone. I reached out to their corporate number to complain and seek resolution, but the corporate number redirects to the 24/7 general customer service number. I can not reach anyone in their mortgage department and the customer service representative today was unable to do so, too. They have no email address for customer service or any other means to contact the mortgage department beyond the 800-number than no one ever answers. I can not even leave a message anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with XXXX XXXX on 2 accounts a fixed monthly payment and XXXX XXXX has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue XXXX XXXX for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX OF XXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX OF XXXX account. This complaint specifically pertains to the credit file maintained by XXXX, XXXX, and Equifax. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : Equifax : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and XXXX : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and XXXX, but {$0.00} by Equifax. 
Payment Amount : {$64.00} ( XXXX and Equifax ), {$100.00} ( XXXX ). 
Last Verified Date : XXXX : XX/XX/XXXX ; XXXX : Not reported ; Equifax : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt.

Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Opp Loans, to XXXX, XXXX and XXXX. I discovered over 34 Errors. Which indicates that OPP Loans broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019. I sent to letter on Opp Loans via Certified US Mail, inquiring about the account reported to the Credit Bureaus. They responded XX/XX/2019 sending me a summary of the account and none of the information I requested for Validation. They have added a new line of credit while in dispute which is detrimental to character. They contacted me Via Phone XX/XX/2019 apologizing and admitting their mistakes, unfortunately my credit has already been challenged and they have not issued this apology in writing.
Product: Debt collection

Account Name : UNITED REVENUE CORP ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Please remove this inquiry since it is over two years old Please remove it from my Credit Report.
Product: Prepaid card

Here i.deposited money only on this card account of XXXX card, at pls checking and card was stolen and used with pin number on back was used and unauthorized transactions I didn't make. I deposited XXXX
Product: Credit card or prepaid card

Barclaycard XXXX On XX/XX/XXXX requested Rewards redemption of {$53.00}. As of XX/XX/XXXX money is not in my checking account. 
Requested an investigation on XXXX. Since then I have spoken to six different people. Each one says the investigation is completed and money was sent to my bank. When I ask for a reference number for the transaction nobody can supply one. When I ask to double-check the payment instructions no one can help me. Barclaycard uses ACH to make payments. Every ACH transaction generates a source and destination Trace ID number. When I ask for these numbers nobody knows what I'm talking about. I'm being stonewalled. 
I believe the transfer was never made. Normally I get an e-mail confirmation of my redemption ; not on XX/XX/XXXX. Barclaycard might have had a computer glitch on XX/XX/XXXX and is covering it up. If that's the case I'm not the only victim and Barclaycard is pocketing the money of a lot of other cardholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting this fraudulent account to Equifax but had deleted from XXXX, XXXX! I have mailed XXXX XXXX a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to Equifax and they told me XXXX XXXX is still reporting this fraudulent account and Equifax is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on Equifax and XXXX XXXX! XXXX has deleted this fraudulent account off of XXXX  and XXXX  but is still reporting to Equifax!!
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Debt collection

I have been paying the original creditor believing I was paying my debt off as agreed in out payment arrangement. The XXXX  informed me their computer automatically sends accounts to CMRE financial. So I called CMRE and made arrangements to pay on all accounts they had collected from XXXX and made.payment arrangements and paid as soon as I hung up on he phone. CMRE is in violated of our payment arrangemen, as I have them in a recorded line stating the arrangement and that my credit would no longer be affected by each account individually, as the accounts had been merged. I have been paying 2 payment arrangements of {$35.00} each to two hospitals and now a thrid arrangement with CMRE. I have the recording and can have a transcript made if that helps. These are amounts that were paid on and still had them turned into collections, whom gave no opportunity to resolve the issue before my credit was affected and now is not holding up to the payment arrangement they agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved this.
Product: Credit reporting or other personal consumer reports

Invalid Inquiries on my Experian Credit Report : JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was behind one month ( actually 15 days ) on my mortgage and was working to catch up that 15 days. My mortgage company SPS sent out some one twice to see if I was still living at my home ( cost XXXX a visit ) and sent letters threatening foreclosure and short sale over only being officially one month behind. This is a loan owned by XXXX XXXX XXXX. My XXXX was behind an equal amount of time but owned by a different resource and I received no such letters or threats. I see this as bullying and fee gouging.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report dated XX/XX/XXXX, and found inaccuracies regarding several hard inquiries. These inquiries lack permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, as well as FCRA Sections 609 and 623. Please remove them immediately. 
Disputed Inquiries : XXXX. XXXX XXXX  o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 2. XXXX XXXX  o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 3. XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 4. XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 5. XXXX XXXX  o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 6. XXXX XXXX  o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 7. XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b