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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was late on 2 car payments due to national disaster hurricane irrma and red tide reduced my business they submitted to credit bureau withiut stating due to natural disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXT XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I understand that as per FCRA XXXX, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent the first dispute about negative information being reported on my credit report. i noticed that my name has been spelled incorrectly and that I have seen some unverified accounts being reported on my account in error. XXXX Equifax and XXXX stated that all of the information as been verified. How is that so if i continue to see that it has not been updated in the last reported and date last active? i have not received a response since XX/XX/XXXX. They have just ignored my disputes and i know under FCRA section 611 ( a ), the CRA must provide a investigation within 30 days. It has now been over 60 days and no response. I have enclosed a copy of my latest credit report which I highlighted all of the unverified, erroneous data that is being reported. I will be forced to seek litigation toward these companies if this situation has not been corrected. This is causing me lots of grief.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and I saw some inaccurate accounts there. I thought that it was a glitch since I always check it but it was not. Please review the documents I've sent.
Product: Credit reporting or other personal consumer reports

Mercedes Benz Financial is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : XXXX. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT XXXX XXXX. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediate : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands. 
Sincerely : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXX XXXXn XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX  to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to XXXX XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11  months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a XXXX credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the XXXX and explained that I was never notified of non payment/late payment due to not being contacted by XXXX via e-mail, phone, or postal mail. I was told by a XXXX supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to XXXX credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and XXXX allowing 60 day late payment before reporting it.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. When I contacted VW Credit they advised me that because I was paying a partial payment versus the full payment placed my car in repossess status. I have paid this company {$200.00} every 2 weeks since XX/XX/XXXX when I purchased as a new vehicle. This company has harassed me so bad I had to find a lawyer to assist me with this case. I just want this off of my credit.
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.

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: Vehicle loan or lease

Purchased a used vehicle in XX/XX/year> with a dealership in XXXXXXXX XXXX ally bank is the financial institution who approved the loan. I'm trying to make extra payments to decrease principal balance. Apparently, this bank doesn't have the need to help to do so. When I called, they only answer was the only option available is pay more on the current payment, but this amount will apply for the next month payment and not the principal. This is the closest thing to a payment for the principal. Why am I punished to try to pay my loan faster? Is there a law that protects the consumers. I'm a veteran XXXX and feels these institutions just won't help and they only interest is making more money. 
Should I call my congressman and make a formal complaint? Any advice will be appreciated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries that appear on my credit report for the XXXX account listed under Account # XXXX. The report indicates that late payments were made on this account, but I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Here are the details of the account in question : Furnisher : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach.

In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Navy Federal took money out of my checking account to pay a past due balance on a credit card that wasnt setup on automatic withdrawals. It is for my rent money. I reached to Navy Federal for hardship assistance and they refused to help or lower my payments. I dont have money to pay my rent. Im going to be homeless. My landlord agreed to hold-off on evicting me and to accept my XX/XX/XXXX payment on The XX/XX/XXXX.
Product: Checking or savings account

Bank of America decided to close my account after I had fraud on my account, Someone got into my XXXX XXXX account and bought food and sent it all over the place, I reported the fraud and Bank of America CLOSED my account for reporting this fraud but then decided to award XXXX all the money back!!! STOLE my balance and then took my moms social security benefit that she lives off of because it was too late to stop it from going there!!! Claiming I still have a balance!! FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither collected or removed disputed items despite the evidence I provided, causing guarded harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As experience in action. Violate federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A LOT OF FRAUDULENT INQUIRIES ON MY XXXX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice multiple inquiries on my EXPERIAN credit report, some reporting twice from the same company. Some different companies but the same day. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Type All Banks - non specific XXXX CREDIT/ROUTE XXXX AU Dates : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX Type Automobile Dealers, Used XXXX XXXX XXXX Dates XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific XXXX Date XX/XX/XXXX Type Savings And Loan Companies XXXX XXXX   Date XXXX Type All Banks - XXXX XXXX XXXX XXXX Date : XX/XX/XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX Date : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Type All Banks - non specific
Product: Mortgage

I have been trying to get a loan modification from CMG since XX/XX/2020. My father and I are on this loan and my father passed away on XX/XX/2020. CMG told me that they needed a copy of his death cert, which I did provide them. I also gave them updated bank and pay stubs. They then told me that they needed a copy of his will, which I also did provide. I along with a counselor from Neighborhood Housing services spoke to a rep and was told that I now had to get a letter of testementary for my father 's estate. I called back CMG about a few weeks ago and requested to be put on a forebearance. The rep stated she could put me on for the month of XXXX but I will have to call back in XXXX to get additional months if needed. Today I received a letter from CMG and it states that they received the death cert and will be removing my dad from the loan. So, I called CMG to see if I still needed to get papers from Surrogate court or not only to be told by rep that I was NOT on a forebearance at this time, even thought I told her that I have spoke to 2 reps prior and confirmed that I was on a forbearance. Since XX/XX/2020 I have stayed getting conflicting info from this company and they never do what they say they will. I have kept all emails, calls and mailings that prove the conflicting info. I have sent them everything that they have requested. After speaking with rep today she told me that I will have to start the loan modification process all over, and I asked her why they just couldnt open up the one that they denied which I just resent then a month ago! I seriously need him and someone to look into the practices of this company. It is not fair to me as the consumer that I have been going thru this and yet have been doing my best to do the right thing and I am constantly being taken through the ringer with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and Experian have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted Experian and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX & Experian at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft.

15 USC 1681 Section 602 States I have the right to privacy.

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

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 






XXXX XXXX XXXX Reported On XX/XX/XXXX Account Balance {$370.00} Reported By Receivables XXXX Reported On XX/XX/XXXX Account Balance {$1700.00} Reported By BANK XXXX XXXX Reported On XX/XX/XXXX. XXXX Reported By XXXX XXXX XXXX XXXX  Reported On XX/XX/XXXX Account Balance {$3600.00} Reported By XXXX XXXX XXXX Reported On XX/XX/XXXX Account Balance {$1700.00} The XXXX XXXX XXXX XXXX XXXX amount. Experian is reporting this account. 

Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1000.00} Closed Below are the credit inquiries that do not belong to me! 

XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX These are showing on Experian and XXXX credit reports