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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 : 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: Debt collection

This is a disputed credit card charge of {$910.00} from XX/XX/2013 which was a fraudulent action by someone in XXXX Tennessee who used my name and card number. I had called Discover Card at the time that this was a fraudulent charge. Someone had used my card account number to obtain cash advances fraudulently. The charges on the card were all cash advances to an address at XXXX XXXX XXXX, XXXX, TN. I informed Discover Card at that time that my card had been compromised and I have never lived, visited nor knew anyone anywhere in Tennessee. I wrote to Discover Card after notification from them that they were holding me accountable and recently when I discovered the charge, though disputed, was still on my credit record. Discover Card refuses to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Debt collection

Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to COMENITYCAPITAL/ALPH about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan.
I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
Product: Debt collection

Date opened XXXX XXXX amount allegedly owed {$2300.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt and cease and desist has been sent
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX XXXX stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX Report number : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX, # XXXX ) XXXX 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, credit repair services, or other personal consumer reports

Starting in XX/XX/2020, I began to repair my credit by paying off old and bad debt. I noticed my Experian score is 30-40 points lower than XXXX   or XXXX. Recently, and on a daily basis, I have seen ads run on TV and online for Experian Boost. They want you to register with them with personal information such as bank accounts and how you pay your bills to boost your credit score. They offer it for free but also have a paid version. If you sign up for their service and pay them a fee it looks like they will raise your score even more. I have tried to do this with the free version but they do not list the credit union I use to pay my bills from. I tried to call Experian but never get through an automated number and it eventually terminates the call. You can't talk to a live person! I posted this on their XXXX site and they sent me a private message asking how they can help. They wanted me to send them my personal information including my credit union information over XXXX XXXX. Not gon na happen! Not with ID theft as bad as it is. I asked is there a number I can call and they said there isn't but here is an email address and they gave it to me. So my problem is they seem to be holding everyone 's ( including mine ) credit score hostage at a low  score until you either pay them or sign up for their service. How can they legally do this? In the mean time my XXXX and XXXX score are getting much much better but Experian is staying really low messing up my credit further. This is not right!!! This is going to keep me from getting financed for further credit later on. Please do something about this because they seem to be holding a ton of people hostage. Just look at their XXXX page and read the comments. If scores can be raised this easily why not just do it anyway without having to use their service?? It's bad and this seems like blackmail or keeping your score low and held for ransom until you pay them. It's a money making scam on their part. ( P.S. I am including screen shots of the conversation with Experian saved in my XXXX XXXX. Here is prove to what they said. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX  that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and equifax showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am a victim of identity theft.There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. Ive already filed and FTC report. 
These are the inquiries on XXXX : XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX. XXXX Bank Credit Cards XX/XX/XXXX XXXX. XXXX Bank Credit Cards XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX This is the inquiry on Equifax : XXXX. XXXX XXXX Miscellaneous Reptg. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX & XXXX ( XXXX Apartments ) accounts with Experian and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX system that lacks integrity. Anyone can verify a name and address but that does n't make the account mine at all. I even sent in my Identity Theft Affidavit for the accounts to be deleted within 5 business days and that has not taken place. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Product: Payday loan, title loan, or personal loan

Capital Plus Financial has kept hundreds of people 's PPP loans that were already approved by the SBA. Most applied for PPP through XXXX XXXX or XXXX. The XXXX  is currently investigating and has suspended them over the deluge of complaints. 

Same story all over the web : borrowers get SBA approved ( with loan numbers ) and then they are ghosted by assigned lender Capital Plus Financial. Some have been approved for two months already and haven't even received a promissory note. Others have signed their PNs but never received their disbursements.

Capital Plus is just holding onto the money. That's a LOT of taxpayer money. 

XXXX XXXX XXXXXXXX
Product: Mortgage

Lender failed to eliminate PMI after mortgage LTV fell below 80 % XX/XX/XXXX. I spoke with lender on XX/XX/XXXX and they indicated the PMI will be removed going forward. I was provided the reference number XXXX at that time. I was continued to be charged PMI until the loan was paid off on XX/XX/XXXX. Attached is the value page of the appraisal this lender performed and the statement for the month which LTV fell below 20 %, using the lender 's own appraisal amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that isn't mine. I reported this already and it's stills showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checked my credit report & seen accounts reporting that I do not recognize.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I was initially contacted via email that they had a debt from a doctors office. I contacted this company on Wednesday XX/XX/year> to try and settle. I informed them that I live in the state of Nevada and the state does not allow for interest to be collected. I was told that they would allow for me to pay the amount owed from the doctors office of {$640.00}. I paid XXXX on XXXX XXXX. I called back on XX/XX/year> to pay the remaining balance and I was told that I owe {$520.00} dollars. They told me none of that balance consisted of interest. I have the bill stating what I owed the doctors office. Then when the representative spoke to me they told me that their supervisor said I was charged over {$300.00} in interest but they didnt charge it. They said the charge came from the doctors office. I was also told that they can charge fees for debt that they own but the representative said they did not own the debt. I then told them to give me a signed contract from that doctors office stating that I agree to paying interest. If they dont own the debt why were they charging me interest in the first place. I have attached the statement I received from the company to prove interest was indeed charged on the account and the amount originally owed to the doctors office.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed. Credit bureaus Experian, XXXX  , & XXXX  won't remove them even after I disputed them.
Product: Mortgage

I paid off my home mortgage loan ( Mr. Cooper mortgage company ) a month ago, in XX/XX/XXXX, and received a letter at the end of XX/XX/XXXX, confirming this along with a promise to stop the automatic biweekly withdrawals : {$2900.00}. I was surprised to find out that the automatic withdrawal continues on XXXX : XX/XX/XXXX and called customer service. I was told, that it is a computer-related problem and promised to be reimbursed within two weeks. Instead, I found out that the next withdrawal on XX/XX/XXXX was made by XXXX XXXXXXXX XXXX company again. The customer service is very rough and I go nowhere so far. Please assist me. 
Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, I called XXXX XXXX XXXX  to inquired about the inaccurate reporting of a debt from XXXX I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was XXXX during the time this account was opened. Instead they ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.