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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, XXXX, TransUnion, and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law.

One of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, this account does not list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 


Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : 1. Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information. 
2. A detailed explanation and proof of how and when you verified the accuracy of these reported items.

3. A complete reinvestigation into all disputed items to ensure full compliance with federal regulations.

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights.

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

This account from LVNV appears on my XXXX credit report stating account was opened XX/XX/20 for XXXX dollars. I have no knowledge of this account. Ive never had an account with this company. I disputed and the company states the debt is mine. I would like to see paper work with my signature and the certificate showing they legally have the right to collect debt. My email is XXXX and mailing address XXXX XXXX. XXXX XXXX XXXXXXXX IL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN  The consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear FEB/DESTINY, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : FEB/DESTINY, dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same XXXX timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has reported to XXXX, XXXX and XXXX that a payment were not received for {$280.00} on XX/XX/2015. My XXXX XXXX statements show that the payments were processed.
Product: Vehicle loan or lease

I had until XXXX XXXX  on XX/XX/2023, I paid them and went to pick up my car I did not know they destroyed my license plate I didn't know it was considered private property. So they told me at the auction I could go so secretary of state and pay XXXX dollars. I went to secretary of state and they said my title was no good. I call credit acceptance and ask them what to do, they say well it should be in the mail in about XXXX weeks. I asked them why I wasn't told that before I made my payment and they said that's their policy. I also asked how could they sale my title before the date they gave me to pay it? That's their policy. Their policy can have me possibly losing my job. I spent all my money getting the vehicle I don't have money to take a XXXX  to work.
Product: Debt collection

Admin Recovery called my husband 3 times back to back each day for the past week, called XXXX of my kids 4 times every day from spoofed numbers leaving voicemail stating the call was for me and I could go to jail over this debt, and they call me a minimum of 3 times every day and have since XX/XX/2013! They threaten me, they 've called my mother in law and given her all the details of my debt. They have yet to send any mail since XX/XX/2013. I have asked them to stop calling my job and they still do and tell coworkers what it 's about. I am at a loss. I do n't have the money to pay them. The new Healthcare crisis makes my monthly premium over half my salary. I 'm not making ends meet now.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The collection items listed on the provided report are inaccurate and stem from identity theft. I am not responsible for these debts and demand their immediate removal. I am being unfairly harassed through relentless communications targeting my family, electronic devices, and mailbox. This constant barrage is causing undue stress and XXXX. I urge you to rectify this situation promptly and cease all contact and collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit report with your credit bureau as of XX/XX/XXXX. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/XXXX. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/XXXX and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX   ENCLOSED **
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations date.
Product: Student loan

I applied to get assistance paying back my student loans. The XXXX XXXX. A company called me, XXXX XXXX, after I applied for the student loan forgiveness program. I just found out that that is not true from the student loan carrier, Mohela. She said that I have been scammed and gave me this information.
Product: Mortgage

My complaint is about a {$11000.00} " capitalization fee '' that I was charged for a loan modification back in XXXX, that reduced my mortgage loan interest rate from 9.0 % to 8.25 %. I contacted my mortgage company twice to have them send me my original loan documents and the modification documents, which they did send me some documents but they were minus all of the pertinent information. I eventually found my documentation from the modification, which is why I know that they charged me {$11000.00}. The reason why I think that there is something amiss about this is because they didn't send the complete documentation and their reluctance to assist a client who has been making on time payments since the modification in XXXX. 
I also just happened to read an old article from a XX/XX/XXXX " XXXX XXXX '' about a woman that was approved for a loan modification for her house and was charged a " closing fee '' of {$11000.00}, which the bank had to correct after the woman contacted your agency. I don't know if it's similar in any way, but I have no other recourse.
Product: Credit card

On XXXX  I called Capital One Visa regarding an upcoming invoice. On that invoice I was being charged for an item I had returned and for which Capital One had already received the funds returned by the store but after the invoice had been issued. I requested that the amount be removed from the invoice since they already had the money, something other credit card institutions do regularly. I was told it wasn't possible and that even though the amount had been returned and credited to my account, I would have to pay the invoice in full or be charged interest. A customer service supervisor who identified himself as XXXX ID # XXXX insisted that was part of the terms and conditions I had agreed to, but after being put on hold several times over nearly an hour while he searched and consulted others he admitted that there was nothing in those terms stating a credited amount could not be deducted from the bill, but that it was unwritten " policy ''.
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX 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: Mortgage

I had a loan through LOANCARE. I refinanced my loan to get a better rate with XXXX. My loan financed on XX/XX/2021. XXXX asked for two payoffs on XXXX and XXXX of XXXX. They never received a response. LOANCARE says it was paid off on XX/XX/2021. Now they have put a 30 day delinquency on my credit report. I am now trying to get a XXXX loan and can't because of this. If I would not have tried to get this loan I would have never known and my credit would have kept going down. No one ever called me and told me that I was 30 days late. This mistake is killing my credit. LOANCARE has bad customer service and they don't care if your credit is ruined. XXXX is the worst escalation agent ever no help at all. STAY AWAY FROM LOANCARE!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this exwuifax they refuse to my dispute on XXXX XXXX 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name
Product: Debt collection

I called the company on XX/XX/21 after seeing this listed on my credit report and told them that I did not have a XXXX account. They told me that I made the calls and that my number was used. I explained that XXXX  did not approve me for a phone and I used XXXX XXXX for services for the past few years. 

XXXX currently owns XXXX and I only had a XXXX account and not XXXX. I asked them to send the credit application from XXXX or documentation that this is not fraud and they told me they were not required too send me anything.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX BALANCED {$450.00} XXXX XXXXXXXX XXXX  XXXX BALANCED {$1700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, Im reporting wrong information on my credit report. I never had a city card before but it's on my credit report. 
No other Credit bureau has it. Only Experian has wrong information on my credit report and it makes me hard to get a student loan this year. I already paid for my own. But I need to borrow lone for next year. 
I need a student loan from my school but the school can not qualify me for loans cause of the wrong information on Experian. Please look at it one more time and remove this, please. I can not finish my major if they can not qualify me also I can not go back cause no money. Please check one more time and remove this. I need help please help me!
Product: Debt collection

Hi this XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ca XXXX Reference XXXX Suttell & hammer P.S. 
Call me XX/XX/XXXX He say I have debt collector in my name. 
I answer notI dont have I asked the last 4 numbers of the social he replied Wrong. last 4 number is not MachMine??
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

9. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

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

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.