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

I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. Capital One Bank, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by Capital one. I then set up Capital One in the XXXX XXXX XXXX XXXX as requested by Capital one we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XX/XX/XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd Capital One Bank USA, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as Capital One agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. XXXX XXXX account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old. This doesnt not need to negatively impact my credit score or have any negative comments as this  was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this XXXX XXXX card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law.

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

In XXXX I received a late payment. Due to the history of me making payments Ive never been late and would like to initiate a Goodwill Request.
Product: Mortgage

XXXX of our mortgages got transferred over ( again ) to a company called Select Portfolio Services. My husband submitted multiple documents to try and get a loan modification for lower payment. We ended up with a slightly higher payment. In addition, they now require us to pay homeowners insurance and real estate taxes as part of our payment. This is an additional {$300.00} per month. We are still, however, required to pay our insurance to our current insurer as well as our taxes as we usually do. This double payment on both accounts has made us unable to keep up with our mortgage. We were about 4 months behind until we borrowed money. We could afford the regular mortgage payment with no problem, but paying taxes and insurance twice is putting us behind. No one at SPS can give us any answers. We 've been paying this for quite some time.
Product: Debt collection

A collection of {$650.00} on XX/XX/XXXX popped on to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a company name XXXX  XXXX they gives someone a credit card under my name and after a long time they send me a letter said im going to collection agency after i called them many times to let them know i didnt apply for any credit card on their company they put the account under investigation and they find out its a fraud so i dont have to pay anything. 
After all this i get my credit report and i see a hard inquires from the same company thats i didnt apply for anything with them or give them the authorization to do. Everytime i called them i didnt get a resolve to my problem They effecting my credit score for something i didnt do! 
The hard inquires was on XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

And theres another company XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I dont know what is this company are i try to call the number above and they want a account number or social security number and since i dont have a account with them i enter the social security number and it said not in file or something like thats they also do a hard inquires thats effect my credit score! 

And there is another one XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

i dont have any account with them And also this company XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I dont know what is this company for or what is it but i didnt apply for any credit card i only have two cards one with XXXX  XXXX  and one with XXXX thats it i dont have any other credit cards with any other companys They also do a hard inquires effecting my report I have a hard time working on my credit to build and im working so hard to make it perfect i dont know from where this companies came to my report And theres a address on my report i never live in or be there in my life i dont know from they got this address from. 

XXXX XXXX  XXXX  XXXX XXXX, MI XXXX I never live there or been there all my life! I dont know from where they got this address And theres another compay do two hard inquires in the same month XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

I dont know why this two hard inquires in my report and from where they came! 

Please i need your help with my complicated situation!
Product: Vehicle loan or lease

I purchased a car using XXXX XXXX to secure the loan in XX/XX/XXXX. In XX/XX/XXXX, : - ) have not been able to reach them. They no longer are a company. As a result of XXXX XXXX improperly not reporting my own finances are negatively affected. I've tried calling numerous times to no avail.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a complaint regarding several unauthorized hard inquiries listed on my credit report with XXXX. These inquiries were made without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires explicit authorization or a legally valid purpose for accessing a consumer 's credit report. The unauthorized access negatively impacts my credit score and creditworthiness, as hard inquiries can remain on a report for up to two years. 

Below is a list of the inquiries that were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted XXXX via a formal dispute letter ( dated XX/XX/XXXX ) requesting the removal of these inquiries. However, the inquiries remain on my report. These inquiries were neither authorized nor associated with any legitimate application for credit initiated by me. Their continued presence constitutes a violation of the FCRA, and I am requesting the CFPBs assistance in ensuring they are removed promptly. 

Actions Taken So Far : Sent a dispute letter to XXXX on XX/XX/XXXX, requesting the removal of unauthorized inquiries. 
Provided detailed information about each inquiry, including the date, organization, and contact details, but the issue remains unresolved.
Product: Debt collection

Hello, I had a collections account with XXXX XXXX XXXX, # XXXX, and did not receive any communication about actually having the collections account against me. I had to find out about this myself when I ran my credit report for a car purchase. I then immediately called XXXX XXXX XXXX to : 1 ) pay the account, and 2 )  find out why I never received any communication. They said they tried calling and mailing me, but I did not receive anything from them. The amount is so little that I have no reason NOT to pay this bill. 

The collections account was filed to the credit bureaus on XX/XX/2012, for the amount of {$77.00}.
Product: Credit card or prepaid card

On XX/XX/2021 XXXX of my pets had to have XXXX XXXXXXXX and I used my care credit and I was Charged XXXX. I used my card a couple more times at the same Vet with charges ranging in $ XXXX and I was given the a promotion for XXXX months. on the larger balance of XXXX I was given XXXX  months. I find that very unfair smaller charges longer time to pay and larger charges give least amount to pay so the customer can get all that interest charged. 

I spoke with care credit on several occasion and they directed me to go back to the Vet and have them change the promotion time, they tried but they do not have that option to go back and give me the XXXX  months so I call care credit back and now they tell me its to late to make any changes. I have had no help it is very sad especially with the hard times we are living it makes people not want to even pay. I have been going back and forth for month and now I was just charge all that interest. unfair.
Product: Checking or savings account

On XX/XX/scrub> 2025, I tried to deposit XXXX dollars that my dad gave me to put in my investment account ( all XXXX dollars bill ). I went to the local Chase bank atm to deposit it ( XXXX XXXX XXXX, XXXX, CA XXXX ). The ATM machine only takes up to XXXX bills so I split it into XXXX deposits instead. The first deposit went through for XXXX and the second deposit failed for XXXX ( the machine spit out a receipt and told me to call Chase customer service number to make sure my deposit went through, the receipt does not have any deposit amount shown beside the sequence number and the bank ID ). I went inside the bank and told them the ATM ate my money and they told me to follow the instructions on the receipt. I proceeded to call the number and was able to file a claim and received a temporary credit of XXXX. As of today, the claim is closed and they said they only found XXXX (!? ) which is not right. My dad is furious at me for this and I am frustrated myself for which I feel like I am being robbed by my own bank that I have been using for almost 10+ years. I called the Chase claim specialist again to appeal and they told me there is nothing I can do. I then mentioned that I only used XXXX dollars bill so why would there be a XXXX balance and the specialist told me they only found XXXX and the XXXX bill was extra that was found so they provided me with it. The specialist gave me the advice that I should deposit XXXX times instead of XXXX and hung up on me ( I am not depositing using the ATM ever again if anything ).. It sounds like the system is very loose and they don't have any internal theft system in check and employees can take out and put in whatever amount they want. By XX/XX/year>2025, Chase will take out the difference of XXXX and this does not sit right with me. It is my dad 's hard earned money, he is a very hard working guy and there is no way I am letting this go. 
Claim XXXX Sequence ID XXXX
Product: Debt collection

Debt collector continues to call me, after asked not to, disclosed information to family member.
Product: Credit card or prepaid card

I have contacted Bank of America and made them aware that they opened an XXXX XXXX credit card in my name fraudulently, but they have done nothing about it. I have sent them a fraud package and they have ignored it. They continue to threaten me that if I do n't pay the balance on the account that they allowed to be opened in my name fraudulently that they would ruin my credit and send the account to a collector. I was the victim of identity theft and accounts were opened in my name using my correct personal information that was obtained as a result of the identity theft. When I have told this to the representatives at Bank of America they have told me that they did not care and that I was still required the fraudulent account. They are violating my rights, defaming my character and harassing me relentlessly. I did not open this or any other account with Bank of America, but they continue to verbally abuse me and threaten me.
I have also disputed this with XXXX and the representative that I spoke to at XXXX cussed me out and called me a liar and told me that I was a XXXX XXXX XXXX XXXX I am tired of all of this abuse and defamation of my character and I want this stopped immediately, both of these companies are acting like vigilantes about a credit card they allowed to be opened fraudulently Partial Account Number XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with self. Prior to me closing I sent then a email telling them that it is illegal to report late payments on my credit report. Self has reported late payments and credit usage on my credit report causing my credit score to drop tremendously from over 150 points.Credit reporting is optional and they did not Clearly and conspicuously share wityme the country consumer that I had the option to opt out of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA.
Product: Student loan

In XXXX XXXX I started to receive collections phone calls from Navient. I was receiving several in one day. They stated I was delinquent ( a {$450.00} ), however I had the canceled checks on my bank account showing I paid. I made several dozen phone calls, often being on hold for upwards of 45 minutes. I ended up speaking with XXXX ( employee number XXXX ) a supervisor from the months of XXXX XXXX to XXXX XXXX to have the problem resolved. As it turns out when I mailed my checks, they processed two incorrectly on their end. They cashed my checks to the XXXX XXXX XXXX, the WRONG department of their company which I do NOT have loans with. It was a bit confusing to me that they have 2 separate departments. Even though it was their error, and they admitted to it, they could not just transfer the money internally in their company. They said the only way to fix the issue was to cut me a check and refund my money. Then with that money, I could re pay them and they would apply payment to the correct department. I waited for this refund from XXXX XXXX to XXXX XXXX. Each time I called they said it was coming. It never did. In speaking with XXXX in XXXX, he said they refunded the wrong person ( not me )!!! They ended up eating the cost because they made another mistake. He said I was all cleared and paid up, not to worry about getting a refund and repaying to the correct department. They ended up in the end, just transferring the money I already paid to the CORRECT department. This is what I asked them to do in XXXX. The issue was not resolved until XXXX ( six months ). <P/>However, it has come to my attention that they have done the same thing with my XXXX and XXXX XXXX payments ... .cashed them incorrectly to the wrong department in Navinet . So on their end, it looks like I am delinquent. However I have the canceled checks to prove I paid and they cashed them. I have left a message with the advocate, they have not called me back.
<P/>
Attached are the cleared check for what they are saying I did not pay. Attached is also the Navient statement saying I paid as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized XXXX requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been paying extra down on my principle every month ( above the required minimum monthly interest and principle payment amount ), but it appears that my payments are partially disappearing against the principle. I have requested additional information on " unpaid interest and fees '' that appear to accrue on my statement every month to no avail. The amount is higher than the actual interest can be possibly accruing. I would like support to understand what actions I can take to locate my lost payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

I made my mortgage payment on XX/XX/XXXX but the mortgage company says that due to company policy, they will report it as being made on XX/XX/XXXX. I told them that this would lead to me being reported as over a month late and that is incorrect. They said that their company policy has the day ending at XXXX XXXX  and not XXXX midnight. I told them that is fraud to say XX/XX/XXXX is XX/XX/XXXX. I escalated the call and they keep repeating that payments made on XX/XX/XXXX can be considered made on XX/XX/XXXX. I want my payment to be accurately reported and I do not want to have my credit score negatively affected because of Freedom Mortgage 's fraud. I have been trying to rectify this situation all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of Equifax and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.