23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been paying a car loan since 2011 paid XXXX for the car and still owe XXXX. They have repoed the car twice and charged astronomical fees to the loan that I actually paid up front to get the car back! When they repoed it the last time it was for XXXX pmts! They were not willing to work with me at all only wanted XXXX pmts plus fees up front. I can not understand how I still owe this much after paying all these years
Product: Money transfer, virtual currency, or money service

someone purchased some baked goods and made a payment to my cash app then a couple days after they made that payment they then asked for a refund that I denied but cash app refunded them anyway in the amount of {$750.00} dollars that I never authorized because they received the products and had no reason to take my money XXXX XXXX the purchase was made XXXX XXXX cash app refunded them without authorization {$350.00} XXXX XXXXCash app refunded them another {$400.00} without permission I reach out to them via chat No Response I tried calling No working number so I just unlinked my bank card and deleted the account with cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from ARS Account Resolution for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The home associated with the mortgage from XXXX was sold and paid on XX/XX/2020. I have tried to update this 4 times with Experian, and the lender. 
This has harmed my chance at a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to Experian and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After no less than 3 separate contacts and sending all requested identification information the credit bureaus have maliciously refused to remove a lock from my credit file that I never requested. This is a blatant violation of my consumer rights ...
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I found some erroneous accounts and have no idea how they appeared. I routinely check my credit report, but this time, there were unexpected inconsistencies. I refreshed my browser, hoping it was a technical error, but the inaccuracies persisted. Because of this problem, I am asking for a thorough review of the documents I have sent to ensure this doesn't happen again.
Product: Consumer Loan

I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
Product: Debt collection

I have no knowledge or dealing or ever signing any contract and agreement with ENHANCED RECOVERY COLLECTION who flagged my CRA account as Collections on XX/XX/2023. Source : XXXX XXXX : ENHANCED RECOVERY COLLECTION XXXX XXXX XXXX, XXXX, XXXX  XXXX : ( XXXX ) XXXX Re : XXXX XXXX XXXX ( Collections Balance Date : XX/XX/2023 Balance : {$240.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 no jurisdiction as a third-party vendor to flag my CRA accounts . I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212. I have already sent all creditors certified mail and cced all CRA bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : Date : XXXX XXXX, 2017 Report # XXXX Former or Current Employers On my credit report is missing one of my current Employers for over 2 years XXXX XXXX XXXX. Phone # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have given my Employer address as well as a check stub from them
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts, which have been inaccurately reported under my credit profile. These accounts do not belong to me, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported without my authorization, and I request a formal investigation into their validity. Please provide written confirmation once they have been removed from my credit report.

Thank you for your time and attention to this matter. Please contact me if additional information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties and is INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at : XXXX XXXX XXXX Dear XXXX : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting

they took off all of my good credit reports from all XXXX reports. 
and I want them to put it back on all XXXX reports.
Product: Debt collection

XXXX XXXX continued to charge me after my account was closed due to XXXX. The balance went to the collections Agency Of Aldous & AMP ; Associate. I settled with them for the amount of {$74.00}, part of the agreement was to have it removed from my credit report. That was done on XX/XX/2022 and it still shows on my credit report.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX XXXX, XXXX and Experian regarding information that was listed on credit reports that should not be there. The information had been removed from the reports and then it was added back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( Equifax and XXXX ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title..Equifax and XXXX Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I sent letters months a ago and I never received any response for the 3 credit bureaus. I'm so stress because this inaccurate accounts this items is FRAUD I'm never recognized this account I will listed the accounts I want to be letter thank you XXXX XXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}. 
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account
Product: Student loan

My Mohela account says I owe no money ( my account had previously been in forbearance prior to consolidation ) and that I do not have auto debit currently on my account. However, they auto debited {$1300.00} from my XXXX account and I can not find any documentation as to why this amount was auto debited when I can not find an account statement for this amount nor is auto debit enabled on my Mohela website. Calling Mohela they just said too bad.
Product: Credit reporting or other personal consumer reports

Ive submitted several disputes to Equifax regarding fraudulent and not authorized by me inquiries the fair credit reporting that they are supposed to dispute each inquiry I submitted the dispute on XXXX  do you ridiculous and they didnt even bother investigating or providing documentation to me they just sent back a generic letter the same day without investigating it saying it they were all factual? How are they factual? If you didnt even investigate them this has been an ongoing issue with these credit bureaus being lazy and not wanting to do their jobs and now I feel singled out. All these inquiries need to be disputed and removed because I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. US DEPT ED XXXX {$730.00} US DEPT ED XXXX {$6000.00} US DEPT ED XXXX {$8100.00} US DEPT ED XXXX {$4900.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$5200.00} US DEPT ED XXXX {$3900.00} Inquiries : XXXX  Date of Inquiry XX/XX/XXXX XXXX Premier Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit card

There is a hard and XXXX on my credit report for an account that is not open with Citibank. There is a hard inquiry on my credit report for Citibank credit card that I do not have. And they do not have permission to run I want it removed please
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have requested that the company sends me my actual application, they did. However, its on my credit report twice and Ive been disputing this inquiry for about a year now and they refuse to have one of them removed and I only submitted one application. 

The incorrect inquiry is from XX/XX/year> from the company by the name of XXXX. I only authorize one application not two.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to refuse to remove a fraudulent reporting off my credit account. Since my last complaint XXXX has removed the fraudulent reporting, but Experian isnt complying. 

XXXX Account # XXXX This account has been closed since 2016. 

There has never been a pay date or pay by due date for this account, so again, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, I have sent Experian a letter from XXXX stating the account is in good standing and is Paid In Full! 

Thirdly, ALL Credit Reporting Agencies should be reporting the same accuracies! How can 2 bureau comply, and 1 continue in fraudulent reporting? 

To continue this fraudulent reporting is a NEGLIGENT and a blatant attack on my character. Correct this HARMFUL DAMAGE by simply removing this account off my credit report. 

Much Obliged Attached is the Paid In Full Letter from XXXX
Product: Credit reporting or other personal consumer reports

Yes, it was XXXX XXXX place in my name I explained the situation to the company which is a collection agency thats trying to resolve a over {$800.00} in my name so they request that I do a police report at the police station. They were supposed to send me the information through mail which recently I spoke to them and I have not yet receive anything, but is on my credit report and its not fair that I am going through this and is interrupting my credit report being approved and Im tired of keep going through this with the same company contract
Product: Debt collection

American Financial kept calling about a medical bill they are saying was sent to collection company my husband had paid it off. the company for the medical bill did not inform American Financial of account being paid off. and their rep kept calling me and advised me she would send my account to the credit bureau which they did and it caused a negative report for me. now I want this problem corrected as soon as possible. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING DUPLIACTE ACCOUNTS WHICH IS HURTING MY CREDIT RATING. I have submitted 6 months of requests where they would remove some then add them back on. Listed below are the accounts 1. XXXX XXXX Acct # XXXX ( 2 DUPLICATES ) 2. XXXX XXXX Acct # XXXX ( 2 DUPLICATES ) 3. XXXX  XXXX XXXX Acct # XXXX ( 1 DUPLICATE ) 4. XXXX Formerly XXXX XXXX Acct # XXXX ( 3 DUPLICATES ) 5. Account # XXXX with no Furnisher Information reported ( 2 DUPLICATES ) EQUIFAX is not reporting who the original Furnishers or Collection Companies are for the following accounts so I am not sure how I am suppose to know if this is my Account or Fraudulent or who I pay if these are my accounts 1. Account # XXXX 2. Account # XXXX 3. Account # XXXX 4. Account # XXXX 5. Account # XXXX