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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear XXXX I'm sending you this letter to let you know about some errors in my credit report. I'm afraid these mistakes are doing a lot of damage to my credit report. To help you understand, we've provided the details of the incorrect entries below : Inquiries : XXXX OF XXXX XXXX : An unauthorized inquiry on the credit report. Fix or delete inaccurate inquiry. 

XXXX XXXX  inquiry : Inaccurate inquiry on the credit report. Looking for a deletion correction. 

XXXX XXXX inquiry : Inaccurate Inquire on the credit report. Resolve it or delete this inquiry. 

XXXX OF XXXX XXXX : The report has a credit inquiry that do not authorize. Delete the inaccurate inquiry. 

XXXX XXXX XXXX inquiry : Inaccurate credit inquiry is problematic on the credit report. Delete the issue presented. XXXX XXXX inquiry : Inaccurate unauthorized inquiry on the credit report. I need this deleted ASAP. 

XXXX OF XXXX XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX  XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX OF XXXX XXXX inquiry : Writing to dispute the inquiry as I did not provide permission. Look at this closely and purge it from my report. 

Mission XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX XXXX  XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. Inaccurate credit inquiry on credit report. 
XXXX states I can get an investigation. Im asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 


XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

I have the right to object to and request that false information in my credit report be corrected in accordance with Sections 609 and 611 of the Fair Credit Reporting Act. I humbly ask that you inform me of any delays and provide a reasonable timeline for when I might anticipate a response if a resolution to this situation can not be achieved within the timeframe specified.
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A XXXX  DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED. DUE TO MY INFORMATION BEING EXPOSED, I HAVE SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. 

PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A XXXX  DATA BREACH AND A VALIDATION OF DEBT LETTER
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for 2 credit cards and was approved. The cards were received but the accounts were restricted. Upon contacting CSR, I was advised that my identity needed to be verified at which time I faxed then and uploaded a copy of my PA DL, new DL registration card, and verified new address.
I was then later told that there was a system glitch regarding a promo code and it affected thousands of people. I then inquire with the rep that regardless of the promo code, is the application not based on creditworthiness since my credit was pulled and reviewed, I was met with an agreeing response. Ultimately the accounts were closed and reported to the CBs.
I then called in requested that my application get reconsidered because of the " approved '' application, it was not allowing me to reapply online. The rep I spoke with advised me to wait about 3 weeks to get a decision. Then on or aboutXX/XX/XXXX and was advised that on XX/XX/XXXX, the decision was that I already had an approved account within 6 months -- the very same reason that was used if I were to apply on my own.
This frustrated me and left me discouraged but upon some online research it was mentioned that I should contact the CEO and I did. I emailed him and any other email I could find for some type of reconsideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/year> I deposited a check to PNC bank in the amount of {$17000.00} for furniture that I was selling to a person named XXXX XXXX XXXX and XXXX. The check was from an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Bank name : XXXX XXXX. 

After depositing the check, it was cleared for payment on XX/XX/year>. I went to the bank to withdraw the payment that would be paid to their movers when they arrived to pick up the furniture. Subsequently, the next day the check was reversed and I was not given a reason why leaving my account in the negative for {$2900.00}. I contacted PNC bank to see why the check was being reversed. I was told that the check would be returned to me and that I could attempt to redeposit it because the copy they were sending to me was a legal copy of the check. I tried contacting XXXX XXXX to let him know that his check had been returned. I left him several voicemail messages which he did not respond to subsequently he changed his phone status to not accepting calls at this time. 

The check arrived about a week later and it indicated on the check the RETURN REASON - XXXX UNABLE TO LOCATE ACCT. I have been going back and forth with PNC regarding my account being overdrawn by this check and it creating an overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX  2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXXXX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
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 XXXXXXXX DATE OPENED XX/XX/2021 BALANCE {$0.00} ACCOUNT TYPE XXXX XXXX XXXX XXXX XXXX XXXX  MONTHLY PAYMENT {$0.00} HIGHEST BALANCE {$360.00} RESPONSIBILITY Individual ACCOUNT DISPUTED No REMARKS Closed CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX DATE CLOSED XX/XX/202 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 there is {$1000.00} penalty if you do not remove
Product: Vehicle loan or lease

On XX/XX/XXXX and again on XX/XX/XXXX Santander offered to settle my account if I contacted Customer Service Department to voluntarily surrendered the vehicle associated with my account, they would be willing to settle the account for the amount received for the vehicle at auction. Once the vehicle is sold at auction, the sales proceeds will be applied to the account and any remaining balance will be waived. This is does not have an end date. 

I contacted Customer Service Dept. on or around, XX/XX/XXXX. The representative stated the vehicle was currently up for repossession. So Id need for the Executive Office to either change the Repossession status to Voluntary Surrender status and/or Id need an updated letter. 

I contacted the Santander Executive Office, on or around, XX/XX/XXXX and was told Id need to submit a complaint. On XX/XX/XXXX I submitted my complaint request. I received a letter from Santander dated XX/XX/XXXX that they respectfully Decline to change the Repossession status to Voluntary Surrender and they also Declined their initial offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm written this complaint because I am a victim of fraud and the company name are Quick credit in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX  they remove the fradulent account but XXXX I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to XXXX I want it remove from my credit report this not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA XXXX XXXX ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason of my dispute is because account XXXX XXXX XXXX Account # XXXX needs to be deleted because this ACCOUNT IS TOO OLD TO BE ON MY CREDIT REPORT
Product: Mortgage

On XX/XX/2020, I made an online bill payment through my credit union to LoanCare to pay my XX/XX/2020 mortgage payment. At that point, my account was current. On or about Feburary XXXX, I called LoanCare to get my 1099 tax information because with the U.S. Mail running slow, I had not recieved it. I was given the information. On XX/XX/2020, My credit union notified me that I had a returned check fee for a payment of {$1500.00} from LoanCare. LoanCare had processed an ACH payment from my credit union account in the amount of my mortgage payment. I was not aware of this and I did not authorize this payment.

I contaced LoanCare several times and was told that a manager would be reviewing the call recording that occurred on or about XX/XX/XXXX to determine what happened. I have yet to receive a response from them. Even after the call where I informed them that the payment was unauthorized, the payment was re-presented to my credit union. At that time, I had put a stop payment on the transaction so I was not assessed another {$29.00} returned payment fee. I am very sure that I did not autorize LoanCare to process any payments from my account. That is not how I make my loan payments and at that time, my loan was paid current.

I am afraid that I may not be the only borrower that is experiencing this. For LoanCare to make unauthorized payments from a borrower 's bank account is fraudulent.
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. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, personal loan, or advance loan

Never received required correspondence per the FDCPA nor truth in lending No right to dispute No debt validation No monthly statement Information on reports inaccurate
Product: Debt collection

I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$00.00} with a {$3500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau Re : Follow-Up Complaint Regarding Experian Prior Complaint Number XXXX Dear CFPB Representative, I am writing to express my continued concern regarding the unresolved issue outlined in my previous complaint about Experian. Despite my earlier correspondence and the filing of complaint number XXXX, the issue remains unaddressed. I am unable to access my free credit report through annualcreditreport.com, and it has now been over 30 days without a response or resolution from Experian. This delay far exceeds what is reasonable and permissible under the law. 

Background : Experian has failed to provide the information I am legally entitled to access under the Fair Credit Reporting Act ( FCRA ). Specifically, I am entitled to a free annual credit report, yet I have been blocked from obtaining it. My previous attempts to resolve this matter with Experian have been met with inadequate responses, and no meaningful action has been taken. 

Impact on Me as a Consumer : This ongoing issue is directly hindering my ability to monitor my financial health and make informed decisions about my financial future. My inability to access my credit report has caused significant inconvenience and stress, as it is an essential tool for : Tracking my financial growth Planning for future loans or credit opportunities Ensuring my credit history is accurate and up-to-date The lack of a timely and appropriate response from Experian is a clear violation of their obligations under the FCRA, which mandates that consumers have access to their credit reports. This situation reflects poorly on Experians commitment to transparency and consumer rights.

Request for CFPB Intervention : I respectfully request that the CFPB intervene to ensure Experian complies with its legal responsibilities and provides me access to my free credit report without further delay. Additionally, I urge the CFPB to take appropriate action against Experian for failing to resolve this issue within the legally mandated time frame. 

I have attached all relevant correspondence and documentation to assist with your investigation. Please do not hesitate to contact me if further information or clarification is required. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent dispute letters to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed a collection account on my credit reports several times and XXXX has removed this already. As of now I still have this problem showing up on the other XXXX agencies which is hindering my progress and literally keeping me down. This should have been removed a long time ago but every time a new collection agency has picked this up they have redirected the date and it shows that it is newer than what it really is. The amount is incorrect and the dates are also incorrect. I want this taken off my credit file immediately as it still shows on my transunion and my XXXX. Its affecting my score tremendously and causing to pay more for every item I need to purchase. I have already filed a dispute with transunion and XXXX. Hopefully this issue will be resolved soon. Thank you
Product: Student loan

I have been harassed by Navient every two hours from XXXX to XXXX for over six months. I have spoken with them trying to work them on my monthly payments and they are not willing to work with me. I have been unemployed for over six months and Navient will not supply reasonable payments ( no Deferment and Forbearance available to me ). They have proof of my income and still not able provide affordable payments and to live. Please help!
Product: Consumer Loan

Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! 
The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).