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

on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted XXXX, Experian, and XXXX several times about this matter and my concerns. XXXX, Experian, and XXXX have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter. 
2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter. 
4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. Experian Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.
Product: Credit reporting or other personal consumer reports

Prestige hired a collection agency to repo my vehicle without validation and sold false information stating a debt owed I dont owe
Product: Mortgage

Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. 
The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. 
they have not responded at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to know that I am a victim of identity theft. The XXXX credit Bureaus required to remove these inaccurate information that are not belongs to the owner but yet they haven't to do so. Since it is a requirements by law XXXX of the FCRA, I'm sending my letter certified mail to help establish a legal course. If you choose to not remove the following inaccurate items, I will be handling my attorney to start legal actions against you. These fraudulent items I've mention should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$1500.00} 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 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$1300.00}
Product: Vehicle loan or lease

Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.
Product: Debt collection

They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.
Product: Debt collection

Valor Intelligent Processing llc is attempting to collect a debt from exempt funds they are trying to to get me to pay them
Product: Credit reporting or other personal consumer reports

Even after submitting FTC reports # XXXX and # XXXX, these inquiries remain unresolved. I am now filing a new complaint, asserting that I am a victim of inaccurate credit report data. The inquiries in question do not relate to any transactions involving goods, services, or money that I have made or authorized. I request the removal of these erroneous inquiries from my credit file. Attached is my new FTC report # XXXX. The disputed inquiries are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These inquiries are unfamiliar to me. The information provided on these inquiries has been removed by other bureaus, and I doubt their accuracy. The reported dates are also unclear to me. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

My checking account was debited on XXXX for XXXX as an internal payment to my personal line of credit. However payment never posted and personal line of credit service says they never got. However it posted and was debited out of my checking account so money is now lost and no one seems able to help me. SOFI Bank is the institution.
Product: Money transfer, virtual currency, or money service

I have a account with PayPal that I havent used but once over a year of having it because of there XXXX policies well I forgot it was linked to my XXXX and had XXXX  XXXX  sent to me after getting XXXX out they locked my account and are holding XXXX of mine its been 2 months I need the funds they are trying to make me wait 6 months but after reading about others it could be longer please help
Product: Credit card or prepaid card

American Express just sent notice about charging {$0.00} any time you input the wrong pin into an ATM, this is insane, please address.
Product: Credit card or prepaid card

I purchased online 4 car wheels which had defects from a merchant. I requested the merchant send me a prepaid shipping label to return those wheels but they refused, I then submitted a dispute through my credit card bank to help with the dilemma. My credit card bank did not obtain a pre paid shipping label from the merchant so I could ship the wheels back without any expense, since the wheels were defective and of no use to me. Thank You
Product: Checking or savings account

I opened a savings account with automatic withdrawal from my bank into this account for my grand daughter. After a few months I noticed that even though Capital one debited my account on the date ( XXXX of each month ), it took them 5-7 days on the average to deposit the money into the account and make available to make interest. Capital One is using this delay tactic to not pay interest on ligitimate deposits by making them unavailable. It shows in the account but not available, for which there is no reason except screwing customers out of paying interest. May not be much in one account but if you combine all the accounts, they are not paying interest on XXXX  if not XXXX  of dollars. I called the bank and spoke to a rep who told me that is normal operating procedure and then he gave me the good news that in my case it was actually only taking them 4 days most of the time to make the money available, which was not true. It has been taking a minimum of 5 days and maximum of 7 days. I transferred all the money back to my account and they said transaction will be completed on XXXX which has not happened yet.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my account I dont recognize I was told to file a report on here to solve my problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar/MrCooper is reporting a late in 2016 that was not my fault. It was XXXX XXXX error. XXXX XXXX  has notified the mistake on their end. This late is not my fault and should be removed off of my credit file.
Product: Credit card or prepaid card

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with BANK OF AMERICA XXXX My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. BANK OF AMERICA became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Vehicle loan or lease

I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions.     Recovery company number which suntrust had call me  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge off needs to be removed from my credit report for XXXX bank. It was part of a bankruptcy in XXXX  and should not be on my report. Please see the attached paperwork. It will be taken off a month or XXXX and then XXXX Bank will add it back. 

XXXX XXXX service was determined by the judge as a debt for my ex husband in the Divorce Decree. I would like it removed from my credit. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children.

I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting 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. 


Account Name : 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 XXXX5 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

Experian has been reporting inaccurate info from XXXX debt collection companies without my consent and knowledge. I have no contract with these XXXX debt collection agencies and my consumer rights are being violated due to noncompliance by Experian. Attached to this complaint will be XXXX dispute letters and a screenshot of the XXXX companies I speak of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I live in XXXX Alaska. The apartment that I lived in before charged for some damages to the apartment that I DID NOT cause. I only lived there for 2 months. I was never told that I had outstanding charges and I had no idea about them. I was not contacted and this was automatically moved to collections- which is hurting my credit. 

I contacted the debt collection agency - TWICE. I was told to wait on hold and phone shut off, and other time I left a voice message demanding to let me know exactly how this charge was done and prove to me that it was me. But they never got back to me. 

I need to see an itemized list of the 'damages ' that I caused and prove to me that I am responsible. And how can they just move this to collections and damage my credit when I wasn't notified?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reporting on my credit report associated with XXXX XXXXXXXX ACCNT # XXXX XXXXXXXX for the dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Upon calling XXXX XXXX directly. Their records did not match that information. 

I firmly contest and request these entries as inaccurate and invalid information. 

According to the Fair Credit Billing Act, privacy and consent exclusion specified under Section 15 USC 1666 b This transaction does not need to be reported.

Thank you for your prompt response and resolution towards this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on the attached XXXX  XXXX XXXX credit card - I want this to accurately report to my credit report. 

Attached to this complaint are : - My drivers License - My social security card - My address - My XXXX  XXXX XXXX credit card that needs to report accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 mortgages with Academy Mortgage, totaling more than {$700000.00}. Back in XX/XX/XXXX/XX/XX/XXXX, I was having issues with their Loan Administration website, they were converting to a new online system. I was locked out of my account when trying to make my payment for Loan # XXXX. I followed the prompts to request unlock, which at the time was an email to XXXX indicating someone would respond within 24-48 hrs. No one responded to me! 
I sent a follow up email ( copy attached ) explaining that I was in jeopardy of being late, if I could not submit the payment online. After another day, there was still no response. Finally, I decided to call customer service and after some frustration with the phone rep, I was able to identify the issue and log into my online account. Academy mortgage had an incorrect email address on file, they had n't updated this either. I made my XX/XX/XXXX payment. 
A month later, I received a credit monitoring notification, that my Academy Mortgage had reported 30 Days Late in the month of XX/XX/XXXX for the XX/XX/XXXX payment. I was sickened and now even more frustrated. 
As a good will gesture and in good faith of my loyal business and existing good standing on 3 mortgages, I sent a letter asking them to remove the 30 Day Late for Loan # XXXX from all three credit bureaus and send me confirmation that it had been removed. I felt it an injustice for adverse credit action on my account because of their companys technical difficulties. 
I received a letter date XX/XX/XXXX indicating Academy mortgage was looking into the situation. I never heard back, so in early XX/XX/XXXX, I called their customer service XXXX. The rep indicated they would not have an answer until XX/XX/XXXX and to call back after that time. I questioned the timeline and mentioned that 4 months was a very long time for research. I called back the week of XX/XX/XXXX, thinking they may have finished, but told again to call back after XX/XX/XXXX. I called back today XX/XX/XXXX and I was told that Academy mortgage had sent me a denial letter back in XX/XX/XXXX indicating, I had the incorrect month on my dispute letter and she did n't know why the rep did n't tell me that the other 2 times that I had called. I never received a denial letter in the mail. Only to call back after XX/XX/XXXX. The rep said she would transfer me to a supervisor, who even further frustrated me. I am opening this complaint through CFPB to document my horrible experience with Academy mortgage loan administration and hopefully they will make some changes to their process. I am being dinged for a system issue, and the adverse customer harm has now been in effect for 4 months, more than 160 days since the issue was identified. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report regarding inquiries I just noticed on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

CreditNinja is an appropriate title for this company being that they will sneak their way into your wallet and ninja your money right out from under you. I took a {$300.00} loan at a {$75.00} premium and it was deposited into my account on Tuesday, XX/XX/XXXX. Not only did I think I agreed to a 3 month term, they disguised it ( sneaky as ninjas are and all ) and it is really a payday loan and due in full on XX/XX/XXXX. I attempted to call today, XX/XX/XXXX and pay down {$100.00}. They will not take any payments, only an extension of the loan by paying down the premium on top of which they will charge you another. HOW US THIS NOT REGULATED. How can a lender not accept an attempt by a debtor to pay them back, AND AHEAD OF SCHEDULE. This is fraudulent. Period. Thank you " official '' regulatory body for failing the US people as I sit in XXXX degree weather in XXXX Texas with no power because our " officials '' failed us there too. Good job, greed from every direction from the top down.