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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, HUNTINGTON NATL BANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I received a notice from XXXX XXXX XXXX saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im 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 an account without my written instructions. 

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX violated my rights. 

1

5 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 acc
ount without my written instructions. 

Im 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXX for XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 Experian update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach, resulting in the creation of fraudulent accounts under my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report, as they were opened fraudulently without my authorization. 
Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$1100.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX  Balance : {$9100.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$10000.00}
Product: Debt collection

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted XXXX, and Exeter Finance are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.
Product: Debt collection

I was contacted by Brown & Joseph XXXX XXXX XXXX XXXX telling me I owe a debt to XXXX XXXX XXXX and that they are collecting this debt. I do not know what they are talking about, I never had a debt with XXXX, and no proof was provided that there is such a debt existent. Moreover, my XXXX  ( XXXX XXXX XXXX XXXX ) was dissolved in 2023, and has not been operational, so there should not be any debt for a dissolved XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.
Product: Checking or savings account

On XX/XX/2018 my wife deposited {$1500.00} into a Bank of America ATM into my checking account. We used a drive thru ATM which was loacated outside the BofA branch on the corner of XXXX and XXXX in XXXX, TX. The ATM only credited me for {$500.00}, leaving me short {$1000.00}. I escalated this immediately to bank of America claims department and didn't think much of it as I was sure they would find the extra funds in the atm and return my money to me. This was not the case. The claims department sent me a note on XX/XX/2018 stating they could not find the {$1000.00} and bank of America is now unwilling to give me my money back. I have since escalated this twice to no avail and I truly feel robbed. I have made multiple ATM deposits and have never experienced this kind of ridiculous service. I'm appalled that BofA won't continue to research this and very frustrated that I'm on the brink of losing {$1000.00} of my hard earned money. The image that I have attached is the receipt of what was credited to me as well as the ATM id of the machine that stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with your company.The line of credit I have with your company, is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : XXXX XXXX XXXXXXXX, your company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The cfpb closed my compliant without anything being done which is strange because I just submitted it.
Product: Mortgage

I purchased a home through XXXX Mortgage in XXXX of 2019. When I did I paid a years homeowners insurance in advance so my escrow would build during that time. Upon closing, XXXX sold my loan to PennyMac. I never made any payments to XXXX except at closing. I called to report a claim on XXXX that our shingles had blew off at which time our insurance company ( XXXX ) told me our insurance had lapsed on XXXX because they had not received payment. I then called PennyMac who told me they couldn't make the payment because XXXX didn't give them the information. The money was in escrow and no one contacted us to tell us there was an issue. I had to pay {$9000.00} out of pocket for roofs on my house and garage because the mortgage company was negligent.
Product: Credit reporting or other personal consumer reports

When the system got hacked all my information was leaked also so now what am I to do now.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions.

The inaccurate account entry is as follows : Creditor Name : XXXX XXXX Account NumberXXXX Date Opened : Creditor refused to give me any information Error in report : Reporting no data or data information on XX/XX/XXXX until XX/XX/XXXX. No information reported for original creditor, company sold, monthly payment, last payment and your statement. 
Balance : {$8600.00} Creditor Name : At XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Date Opened : XX/XX/XXXX Error in report : Reporting no data or data information from XX/XX/XXXX until XX/XX/XXXX under payment history.Account Number with XXXX XXXX XXXX : XXXX. Account Number with XXXX : XXXX. Balance Reported : {$430.00}. Date Opened with XXXX XXXX XXXX : XXXXDate Account went to Collection : XX/XX/XXXX Balance : {$430.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within 5 days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX  has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used. 
Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences. 
Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so. 
I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS ] XXXX, TRANSUNION AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not TRANSUNION AND XXXX ] TRANSUNION AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 or other personal consumer reports

I hope this message finds you well. I am writing to express my deep dissatisfaction with the ongoing issues regarding the correction of late open accounts. Despite multiple attempts to rectify the situation, it appears that the problem persists, causing significant inconvenience and frustration on my end. 

As a valued customer, I have continuously cooperated and provided all necessary information and documentation as requested to resolve these matters promptly. However, the recurrence of late open accounts reflects poorly on your organization 's efficiency and commitment to customer satisfaction. 

This complaint serves as my fourth and final attempt to seek redressal for the persistent issue of late open accounts. I expect immediate attention and a comprehensive solution to rectify the discrepancies without further delay. 

In light of the above, I kindly request the following actions to be taken promptly : Conduct a thorough investigation into the root cause of the recurring late open accounts. 
Provide a detailed explanation for the delays and discrepancies encountered. 
Implement corrective measures to ensure such issues do not recur in the future. 
Offer appropriate compensation or concessions for the inconvenience caused. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XXXX account several times. This account was not investigated by XXXX, XXXX or Experian. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.
Product: Payday loan, title loan, or personal loan

Check into cash in XXXX Kansas set up payment on the XXXX of every month. In XXXX the tried to get payment on the XXXX instead. This caused an overdraft on my account and the bank charged me {$28.00}. I called them and they said I had to come in and show my bank statement. I explained I am in the hospital. I have had part of my foot XXXX  and cant leave. Then they said if I dont come in to switch the account over they will send it to collections. I tried to resolve this with their complaint department but kept getting disconnected.
Product: Vehicle loan or lease

Avid acceptance will not allow a payment plan for me to reasonably get back on track. The money I have sent in was used to pay late fees and high ridiculous interest rates at 10 to 15 a day. They are rude and call harass me at work .leave message for the secretary to give me and humiliate my financial situation of getting reduced hours I have paid before to get out of a similar situation. Avid Acceptance and XXXX XXXX XXXX  car dealer conspired against me and my wife on this loan from the start. Excessive illegal charges I have paid and 6 day a week threats. And they don't do anything about this but call talk nonsense once the cfcb backs off and it starts all over again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synovus Bank XXXX - prior to the XX/XX/XXXX dispute the credit report showed 22 missed payments and acct c/o XX/XX/XXXX. The dispute I submitted was to show verification I never missed a monthly payment. I uploaded the acct payment history from Synovus. I never missed a payment on the acct. I was not aware of the acct matured and c/o until the late reported on the bureau. The scores dropped and I could not refinance the ballon equity line of credit. XX/XX/XXXX, XXXX XXXX, Synovus Recovery Specialist ( office ph : XXXX ) reinstated the loan. I agreed to pay {$280.00} per month and signed the note with Synovus. The acct is reinstated and the bureau reported paid as agreed until XX/XX/XXXX. I am requesting the XX/XX/XXXX charge off be removed and the account to show paid as agreed from XX/XX/XXXX until current. The payment history will show the acct C/O XX/XX/XXXX. I have provided supporting documentation to verify my statement. I disputed the information 2 times with the credit agencies. Result reporting the same. 
I uploaded the XX/XX/XXXX Note ; Payment history ; XXXX/XXXX  XX/XX/XXXX credit report/ Synovus XXXX & XXXX monthly statement.
Product: Mortgage

On XX/XX/2022 I received an alert that my credit was pulled. I had no Idea on who did this because I currently have a morgage loan with loan depot and have not applied for any other loan. I contacted XXXX who provided the report and they advise me that Loan Depot requested this report and had my authorization. I did not provide this authorization and they falsly requested this on my behalf. I need this resolved by this creditor but have not been able to get this resolved.
Product: Debt collection

In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX    XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail. 
On XX/XX/XXXX a phone call was received from a phone number, ( XXXX ) XXXX, listed to LTD Financial Services, and no message was left.
Product: Student loan

In XX/XX/XXXX, I graduated from the school identified in the earlier prompt. I received an Interest Notice with an option to pay it off to avoid interest capitalization. I did. 

I made a payment in the amount of {$4700.00} on XX/XX/XXXX specifically directing XXXX XXXX to apply it toward the Interest Notice. XXXX XXXX misapplied the payment and capitalized the interest. The issue was not resolved through customer service until I filed several complaints with XXXX XXXX and, finally, with Consumer Financial Protection Bureau. 

Then I received the 1098-E for XX/XX/XXXX reporting the wrong amount of interest I paid in XX/XX/XXXX : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX before the IRS deadline to file my tax returns. I received an email/secure message that my tax information was reviewed and that the XX/XX/XXXX 1098-E will reflect the correct information. 

Recently, I received the XX/XX/XXXX 1098-E and it only reflected interest paid in XX/XX/XXXX : {$2300.00}. The information in the form is wrong for two reasons : 1 ) it does not include the remaining interest I paid in XX/XX/XXXX which XXXX XXXX promised to correct and, 2 ) it does not reflect the correct amount of interest I paid in XX/XX/XXXX alone. 

I am attaching all documents pertaining to this issue, including XX/XX/XXXX Payment & History spreadsheets downloaded directly from XXXX XXXX   Account with totals of interest paid in each respective year and interest reported in 1098-E. 

Reference IDs for the internal, XXXX XXXX Complaints : XXXX  ; XXXX  ; XXXX