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

XXXX please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my Experian credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the XXXX bureaus such as the balance and the Date last active, and there's no close date listed. My account was closed in XX/XX/XXXX, so why is Experian reporting lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account has since been removed from XXXX and XXXX and Experian is expected to follow suit. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over XXXX XXXX XXXX. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : EXPERIANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was included in the recent database leak from Equifax. Information includes SSN, DOB, first and last name, and my address. I believe a company possess information as valuable as this should be help accountable for their actions.
Product: Credit card

Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help
Product: Credit card or prepaid card

I was at an appointment in a clinic between XXXX and XXXX, on XX/XX/2020, when I received a fraud alert for the credit card I had just used for travel. There were three alerts, two saying an attempted cash withdrawal of {$400.00} was declined, and the third saying an attempt to withdraw {$800.00} cash was approved. Another text asked me to respond yes or no to me having attempted the three transactions. I responded no, and I immediately received a text saying my credit card was restricted, and a number to report to the banks fraud department of what happened. They immediately credited my account and sent me a new credit card. Three weeks later, on Friday XX/XX/2020, they said the dispute was reversed because my credit card chip was read and my PIN number was used for the transaction. I told the representative my credit card was in my pocket at the time the transactions were made, and the last time I had used the card was a few days earlier in XXXX California, on Thursday XX/XX/2020. I also informed the bank that I was only using the card for international travel, as of late. The representative told me the charge would be reversed and I would not have to pay it, but it remains on my statement along with a new interest charge for the transaction.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Andaccording to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Product: Debt collection

I am filing this complaint against National Credit Adjusters , LLC ( NCA ) for persistent violations of consumer financial protection laws, specifically the Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), and California Penal Code 530.5 . 

NCA failed to provide proof of authority showing they have the legal right to possess and share my private information with my consent. 

NCA failed to provide the required disclosure and instructions for opting out under the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) . This violation compromises my rights and privacy under the GLBA.

NCA shared my nonpublic personal information without obtaining my consent, violating the Fair Credit Reporting Act ( 15 US Code 1681a ( d ) ( 2 ) ( A ) ( i ) ), and causing potential damage to my creditworthiness.

NCA 's unauthorized sharing of my personally identifiable financial information may constitute identity theft under California Penal Code 530.5, leading to financial injuries and potential legal consequences. 

Due to NCA 's non-compliance with the GLBA, FCRA, and California Penal Code 530.5, I have suffered significant financial injuries, including the loss of opportunities, wages, and damage to my creditworthiness. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against NCA for their repeated violations of consumer financial protection laws. Thank you for your prompt attention to this matter.
Product: Mortgage

I filed bankruptcy ( case XXXX ) XXXX California Courts in XXXX 2014 and it was discharged on XXXX 2014. I am currently and still receiving billing statements and letters to collect on the debt.
Product: Credit reporting or other personal consumer reports

10 years ago, I did bankruptcy and of course my credit score went down XXXX points. Over those 10 years I work hard to get back on my feet. A week ago my credit score went up XXXX points and, I checked my Experian account, and I saw that my Bankruptcy is not any more on my credit report. Now, of course I am very disappointed about this. I don't know who can help me to fix this. It is so unfair!!!!! After those 10 years of struggling about this credit score I am getting XXXX points. Also I had my student loan for more than 10 years, and that one went away and I received XXXX points. Where can I find a solution to solve these issues??
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Product: Credit reporting

For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all XXXX credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX, and I have no middle name. I was born in XXXX and she was born, I believe in XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a B of A mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.
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 OF Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax! Dumbest collection of incompetent clowns in the known universe! 

After they were hacked in 2017, losing a mere 147,000,000 credit reports ( including mine ), I placed a freeze on my account ( which is another tale of stupidity and incompetence ). 

I am trying to lift that freeze for a week so a lender can offer me a very good zero percent credit card. They only pull credit through Equifax. 

I called Equifax to lift the freeze and was told the computer didn't recognize me so go away. After some time, I was able to contact a person (! ) who told me to send a copy of my Social Security Card ( which hasn't seen the light of day in probably 65 years ), a utility bill showing my address, and a copy of my driver 's license. 

My driver 's license is a Federal Secure ID document which incorporates anti-photocopying technology - it came out a black blob. I was however able to scan it and print a legible copy. 

I mailed the requested papers to Equifax and have heard absolutely nothing in several weeks. The bank has checked the credit several times and comes back with " sorry, still locked ''. It is IMPOSSIBLE to talk to anyone at Equifax, there is NO way to figure out what the computer didn't like about me, there are NO error correction protocols, and they have been absolutely silent, with no communication whatsoever, and they have my name, physical address, PO Box , e-mail, phone number, lists of all my creditors past and present, and everything else imaginable. 

If I was a hacker, I'd probably be into their system in fifteen seconds, however, since I am a mere lowly consumer, I am not worth five seconds of their time to tell me how to prove who I am to them and lift the freeze for a few days. I have their super-secret special code number, but I can't convince their almighty computer to take it. 

All their phone numbers go to auto-attendants, it is impossible to speak with a person, and if the computer doesn't like one of your answers ( and it won't tell you which one ), you are basically out of luck, game over, get lost, go away and don't bother us again.
Product: Mortgage

On XXXXer 8, 2024, I submitted an application for a deferment. Due to my wages illegally being garnished from a previous employer-I had significant income loss in XX/XX/scrub> XXXX 
I explained to the representative my intention to move the balance to the end of the loan and resume making payments in XXXX at my current monthly rate of {$850.00}. 

After I submitted my application for a deferment, I spoke with a supervisor after my point of contact who was extremely condescending and strategically deceitful by trying to reduce my standing as the home owner to XXXX. In short, XXXX XXXX, XXXX XXXX, and XXXX XXXX is trying to expedite an illegal foreclosure. 

When I explained to XXXX XXXX XXXX that I just submitted my application for a deferment " she stated " you can't. '' She became extremely hostile and disgruntled and tried to undermine me by making loud statements about everything " modification '' other than my deferment application which I submitted. 

I am well within my rights to plan ahead for the end of my forbearance and because I did just that and planned ahead-Shell point is trying to sabotage my efforts to support the illegal foreclosure. 

My father was a victim of financial fraud by Department of Veterans Affairs XXXX XXXX XXXX who has manipulated multiple systems across multiple states to try and illegally obtain my property using XXXX, NewRes and now Shellpoint corrupt mortgage company. A supervisor stated his name is on the paperwork in their system and that is why my name was updated in their system two weeks ago.

Throughout the past two weeks, I have experienced the mind-altering pain of Hurricane Helen, Hurricane Milton and the malignant abuse of Authority Veterans Affairs has used to leverage the mortgage company into purposely using high-pressure, gas-lighting tactics to try and force me out of my family home, into an illegal foreclosure. 

Please Assist, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX rented out an apartment in my name that did not belong to me. My identification was stolen and I didnt have access to it my social and ID was included. I had no acknowledgements about this and would like it expedited from my credit immediately.
Product: Debt collection

On XX/XX/XXXX I sent a letter to LTD Financial Services to validate the debt they assume I owe to their company. They have been reporting to my consumer since XX/XX/XXXX I never enter into any kind of consumer contract, they could not provide the validate the debt, they fail to report the dispute to XXXX FDCPA Section 807 ( 8 ). This has cause me a lot of pain and agony, do to them reporting toXXXX this on my consumer report This defamation of character, I had to live in a hotel for 2 months with my kids because I was getting denied for apartments it was very expensive and stressful. I had to pay a higher deposit with and find someone to co-signer.
Product: Credit reporting or other personal consumer reports

I am requesting a deletion of this account from XXXX XXXX, XXXX XXXX XXXX I have been disputing these fraudulent and inaccurate account. I also attached an FTC in my past dispute, Which I am also attaching in this dispute, I am also attaching my NOTARIZED identity theft affidavit so your company can not say you havent received it. This is my final time disputing this account, after this I will be heading down to civil court in my state of Pennsylvania to file a claim against your company. Im a demanding an investigation and deletion of this account. I recently got denied for a job because of this fraudulent account that I have made your company aware of. I have also most importantly kept All of my records of my past disputes with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open since 2016 with Wells Fargo for XXXXXXXX XXXX   XXXX XXXX. The account has not been used since then nor have I had contact with Wells Fargo or the furniture store since 2016. The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into Wells Fargo 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through XXXX, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXXXXXX XXXX XXXX account number XXXX open date XX/XX/year>, that was not reporting accurately. i had XXXX late payments on ( XXXX, 2023 ) an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian all have my name and address wrong on 3 Credit Bureau accounts. I want this corrected. 
Also, they all have Creditors with Open accounts, which needs to be corrected. Some accounts have been charged off and sold to 3rd Party Collections that never verified my name and address and did not have the correct information. 
I have an old Repossession on all 3 of the accounts. This account was settled in 2009 but negatively affects my credit bureaus. 
I have also been denied employment because of the wrong information on my credit and the credit scores that were obtained. I can not afford any lawyer to disrupt these collections, which are all wrong on all three. So many charges date back 15 years, and this is all wrong. 
Please help me try to look into these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute - Citi.bestbuy.credit card. 
It is my first time amd was curious to see. Didnt know it would be reported if card application was declined. Wont happe again. And now inknow what expect. Id appreciate it if it was deleted. I want to get a better start with my credit report
Product: Checking or savings account

On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. 
Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. 
Also my XXXX  account that I do business with stopped working at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I discovered I never received my title on a car purchased and paid off in XXXX. In addition, I learned XXXX XXXX reported me being late multiple times. I contacted XXXX and was told the payments werent 30 days late but there were late fees that were not paid. I disputed that I had acurred these charges. If I was never late on my actual car payments and paid the car off in XXXX how can XXXX report me being 30, 60, 90 and 120 days late XXXX, XXXX, XXXX & XXXX of XXXX? And not release my title. Ive called several times and all they have said is they will send me the history. But this does not correct the issue on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Additional documents to go along with original complaint that was submitted via the phone.
Product: Checking or savings account

The above categories do not address the complaint I have. Centennial Bank, routing number XXXX had a data breach in XXXX XXXX XXXX. As a customer, I was not notified until XXXX XXXX XXXX. The bank offered a one year credit watch, but the crucial time of immediately after the breach had already expired. This is inexcusable. A customer should be made aware specifically what data was compromised and what has been done to keep it from reoccurring. If human resource data was breached, then minors of employees could have social security numbers that were compromised which a credit check would not reveal.
Product: Credit reporting or other personal consumer reports

To whom this may concern, Someone has been using my credit so I filed a FTC report that list the 5 fraudulent accounts. I went ahead and listed 8 fraudulent inquiries in the FTC report as well.
Product: Student loan

Hello, I tried making a lump sum payment of {$1000.00} on XX/XX/2023 to pay down my student loan balance. Instead of doing that, it paid off 7 months in advance. So they took the money and applied it to interest instead of principal. I tried calling Mohela on XX/XX/2023 to figure out how to make a principle only payment and they are telling me it is not possible. This can not be true, they simply just do not want me to pay my loan off early.