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

Inquiry1 : Capital One, DateXXXX Inquiry 2 : XXXX XXXX , DateXXXX Inquiry XXXX : XXXX XXXX, Date XXXX XX/XX/2023 Inquiry 4 : XXXX XXXX, DateXXXX Inquiry 5 : XXXX XXXX, Date:XXXX Inquiry 6 XXXX XXXX XXXX, Date:XXXX Inquiry 7 : XXXX XXXX, DateXXXX Inquiry 8 : XXXX XXXX, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 XXXX XXXX DateXXXX  Inquiry XXXX : XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX, Date:XXXX I am Hereby Demanding Deletion to the Invalid information XXXXhowing on My 'XXXX  ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Applied online, given error code NH, told to call, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company Experian : Applied online, given error code NH, called, repeatedly hung up on by company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and Screwing my CREDIT!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed my XXXX credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of Consumer Reports, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here.

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions. 

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX Phone : XXXX Email : XXXX Make sure to add the correct address for XXXX XXXX and todays date. Let me know if youd like to adjust anything further!
Product: Money transfer, virtual currency, or money service

I got a call introducing herself as an employee of the US immigration and custom enforcement dept.the number was exactly the same as the ICE.i ended up illeterately sending {$970.00} via online banking.i claimed bank of america for stopping the transiction.they said its not gauranted whether they will make it happen or not.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on A

utopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed XXXX see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of Barclays Bank Delaware stating that my account owing XXXX was not paid off. This was XXXX of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and XXXX says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.
Product: Debt collection

On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that Citibank policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX
Product: Credit reporting or other personal consumer reports

I am seeking the removal of several unauthorized credit inquiries from my credit report. After reviewing my credit report from your bureau dated XX/XX/XXXX, I discovered thirty-nine unauthorized inquiries. These inquiries are detailed below by bureau : XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please investigate my claim in accordance with the Fair Credit Reporting Act. If any unauthorized inquiries are found, remove them promptly and provide me with an updated credit report. Thank you for addressing this matter swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus update the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate correction of the following accounts completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX  credit report, l noticed that an unknown inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1XXXX Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

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

Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( XXXX, equifax and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.
Product: Money transfer, virtual currency, or money service

I purchased a money order for {$600.00} from Western Union at a XXXX XXXX in XXXX XXXX, Texas. It was denied by XXXX XXXX XXXX when I tried to do a mobile deposit, so I tried again with my secondary bank, XXXX, but it was denied again. Then I decided to physically deposit it with XXXX XXXX XXXX and a few days later they contacted me to tell me that it had been denied again. But because of their company policy, they are not able to return the check to me. I am unable to request a refund from XXXX without the original copy of the check. I contacted Western Union directly and they refuse to give me a refund. But neither of my bank claims to be in possession of the funds, therefore the {$600.00} was never taken away from Western Union.
Product: Mortgage

Moved in the house XXXX of XXXX first payment was supposed to be around {$2400.00} per month, but when I received my bill in XXXX of XXXX it was {$1800.00} per month. Instead of {$1000.00} for escrow and insurance Freedom Mortgage only charged me {$460.00}. I called 3 times and was told this was the correct amount. When I called Freedom Mortgage they let me know about {$300.00} was going towards PMI and {$150.00} was going towards escrow ... The house I live in is around XXXX sq feet. There is no way my taxes are going to be {$1800.00} a year. When my wife and I signed the Final Truth -in -Lending Disclosure Statement we signed for {$2400.00} or at least around this amount. Now fast forward to XXXX XXXX, I get a statement in the mail that my mortgage has gone up to {$3800.00} per month. This is over 100 % increase of my mortgage. The shortage is XXXX for XXXX as I pay XXXX county taxes. If the payments where they were supposed to be at around {$2400.00} per month and the Escrow and PMI was at {$1000.00} per month the amount going to escrow would be about {$700.00} that would be about {$8400.00} per year. This would have left me in a better positon to pay back the shortage. Each time I call Freedom the rep that I speak with gives me different answers. I even had one rep say that the reason its not XXXX is because they added your HOA in the payment and this was a manager. It clearly states the amounts for Escrow and Mortgage Insurance. When I called and spoke with them they act like home owners mortgages go up almost {$2000.00} every day. This is not the way to do business. Now Freedom has added in {$14000.00} for next years escrow to add on to my payments. I did my part and called and made sure the amount was correct and I have never missed a payment and never been late. Someone at Freedom Mortgage clearly made a mistake and they will not own up to it. If there is going to be an escrow account it needs to be closer than {$14000.00}. Something needs to be done and spreading my shortage out over 4 years is not the answer nor is refinancing. There was a mistake made on this loan and it needs to be corrected.
Product: Debt collection

Debt was disputed via email, all the proper documentation was provided explaining the incorrect debt. No response was given by the collector in the 30 day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed unauthorized hard credit inquiries on my credit report from XXXX XXXX XXXX  on the following dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

I viewed unauthorized hard credit inquiries on my credit report from CREDCO finance on XX/XX/XXXX, as well as XXXX XXXX, XXXX. 

I viewed unauthorized hard credit inquires on my credit report from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

These WERE NOT authorized.
Product: Student loan

As apparent retribution for whistle-blowing on FedLoan Servicing 's illegal practices, FedLoan Servicing raised my interest rate from 7.25 to 7.50 % without explanation or notice.
Product: Mortgage

I received a escrow analysis for XXXX XXXX XXXX XXXXf this year. notifying me that my mortgage payment was going to increasing effective XXXX of XXXX  by about XXXX a month. I contacted the mortgage company and they said it was because of my homeowners insurance policy. They sent a bill for XXXX which is an increase from the previous year. I told them I was cancelling it and would sent them my new insurance information. Note, my insurance from the previous year was XXXX. I found a new company that decreased my yearly insurance premium to around XXXX so my payments should have went down a lot from the previous year. I submitted the new insurance information to my mortgage company in XX/XX/XXXX BEFORE the new mortgage amount kicked in XXXX. I got a new escrow analysis this week that is dated XXXX  surprisingly my payments only went down XXXX but my new insurance policy is approximately XXXX a month cheaper than the previous year. I have tried to call and discuss this over the phone with the agents and I've made no progress. I was told it's always based on the year BEFORE. But my bill for XXXX is XXXX less! Also, they paid out the XXXX to the other insurance company. I sent them my refund and confirmed it was posted so that is not the issue. I am asking that this issue be corrected. My payment should reflect the bill received for the insurance for XXXX not the cost of my old policy from XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found some inaccurate accounts on my credit report, and I have no idea how they appeared. I check my credit report regularly, but today I noticed unexpected errors. I tried refreshing the page to see if it was just a temporary issue, but the inaccuracies were still there. Given this problem, I kindly ask for a thorough review of the documents I provided so I can put this matter behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to XXXX, 2017 XXXX 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently in XX/XX/XXXX in Mississippi for forgery and false pretenses.
Product: Credit reporting or other personal consumer reports

I obtaind a copy of my credit report from Experian, XXXX and XXXX and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent Transunion proof of a document with a dispute. Transunion is reporting I have 12 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623,  Transunion is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the XXXX XXXX XXXX, which is over all the student loans.I know for a fact because I just did another one recently. Transunion is reporting 4 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Transunion has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.
Product: Debt collection

Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated.
Product: Debt collection

An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX inquiry on XX/XX/year> was not authorized by me and needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Taking refuge in the law that protects consumers in the United States, I demand that credit bureaus remove erroneous information from reports, preventing access to new applications. Below we can see the difference in reports.