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

I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.
Product: Credit reporting or other personal consumer reports

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I saw my credit report and something has changed on it because I saw that there are inaccurate accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these inaccurate accounts below and XXXX and Equifax to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have 9 of the same account reporting on my Equifax with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Mortgage

I have been struggling to pay my mortgage since my marital separation in XX/XX/XXXX. I have been trying to work with XXXX XXXX to save the home my XXXX daughters and I live in since that time. I have been working with a housing XXXX since XXXX and have applied for a loan modification. Every time I, or the housing counselor call, we get a different person that gives us different information. The housing counselor has been in the mortgage industry for 40 years, and says this is the worst company he 's ever dealt with.We were told twice that the loan modification pkg was complete ( most recent being XX/XX/XXXX). On XX/XX/XXXX, I recieved notice from XXXX XXXX that our home was sent to foreclosure that they have NO RECORD of us being in the modification process.XXXX XXXX gave me an option to make ONE full payment by XXXX to " slow the forclosure process down '', and when I called on XXXX to make the payment, they refused..demanding 3 payments. Every time we submit a document, they either misplace it or " do n't have it ''. We send it again, and they ASK FOR SOMETHING ELSE. They are rude, unorganized, unprofessional and confusing. I served 12 years in our military and have asked them repeatedly for help. Their most recent excuse are the natural disasters in California..I feel as though they are deliberately timing out the clock so that we lose our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX Employment Information : XXXX XXXX Credit Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


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

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within XXXX days of this complaint. I demand to be compensated as well for pain and suffering.
Product: Credit reporting

I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least XXXX with all XXXX. 

XXXX. Through Experience XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
XXXX. On XXXX Reports in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX Reported is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment XXXX/Equifax - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.
Product: Credit card or prepaid card

Was Havely in debt and despite making payments larger than my minimum payments I was never having my balance smaller and my balance continued to increase. I cashed out my XXXX XXXX  account and paid my penalties for doing so, to pay off my credit card with citi bank. I asked for a payoff quote and I was told my balance of {$25000.00} is my payoff quote. I made the payment for full {$25000.00} and my account was XXXX balance until few days ago, I get a new statement from citi bank asking for additional {$220.00}. I called citi bank and explained to no avail, I requested to speak with their supervisor to no avail. Citi bank gives you a so called payoff quote which is the current amount balance and then tag the consumer with additional fees and interest. This is not right and we the consumer work hard for our money, I should not get robbed by some corporation who cant eat {$220.00} for their mistake. The daily compound interest is always calculated into the payoff quote, not added after the account balance has been paid in full.
Product: Credit reporting or other personal consumer reports

I am writing today to inform you that I disputed with Experian and Transunion earlier XX/XX/XXXX. I was informed information about the account for XXXX XXXX XXXX it was verified by both agencies I then reached out via online and mail since early XX/XX/XXXX and for XXXX times now received the same responses its verified. So I disagree with the investigation and reinvestigation. I would like to point out that the inaccurate information reporting is violation of my consumer rights. Per 1681s per the FCRA I am entitled to a fair and complete accurate credit report.

The information you claim is accurate DID NOT provide the explanation of calculations for the balance alongside the proper documentation the law states in UCC article 9 section Proper notice of sale and Commercially reasonable sale. Who was notified at the original creditor if they anre closed out of business and why was that information not provided. The payment history is incorrect and inaccurate the balance was last paid on sold be the sale at the private auction in the letter stating in XX/XX/XXXX and it was resold in XX/XX/XXXX as the documents shows when the balance was XXXX. If it was sold at a commercially reasonable price how was it the balance is XXXX. The collection agency also did not provide a judgement or assignment documentation showing there legally allowed to collect on this debt. Another inaccuracy is the payment history stating balance reporting every month and opened on XXXX in XXXX. When last payment was XXXX XXXX this is extending the statutes of limitations which is illegal. Also in around XXXX you have payment status of ND which is causing inaccurate information what does that means was payment made, was payment late? No one knows with that status so how can that be accurate. 

Please due to the inaccurate and false information delete and remove this collection agency is being sued in justice court in the state of Texas. You have taking more then 30 days to correct this error and this is harming my natural way of living.
Product: Credit card

I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.
Product: Vehicle loan or lease

On XX/XX/2022 I received a voice message from Ally regarding our car loan being delinquent. I called them back later that day. I was told by the representative that the account was delinquent by {$1000.00}. I explained that I would make payment by Monday XX/XX/2022. I was asked if I would make a payment of {$1000.00} by XX/XX/2022 THREE times. I affirmed my answer all three times. 

On XX/XX/2022 I created an online user name and accessed my account. The account showed over {$1700.00} delinquent. I made my payment of {$1100.00} on XX/XX/2022. I noticed a remaining delinquent amount of {$190.00} and {$530.00} in late fees. I made the payment for the {$190.00} on XX/XX/2022. I called Ally on XX/XX/2022 and asked for an explanation of the difference between the delinquent amount from {$1000.00} on XX/XX/2022 to over {$1200.00} on XX/XX/2022. I received no response. I also requested a waiver of the late fees since my account was now current. The representative indicated that he would submit that request but a maximum of {$37.00} could be waived if that. I find the late fees to be draconian since the account is now current and the interest being charged is nearly 11 %. The ever-changing balance seems to be suspicious as well. They indicate that they record phone conversations. I'd like to review the conversations I had with them and know why the amount due changed over only 3 days.
Product: Credit reporting or other personal consumer reports

Ever since Equifax was outsourced, seems their score system has been wrong. 
I have repeatedly called to try to fix the issue, explaining that every time I charge, my credit score decreases by 3-4 or more points, but when I pay off accounts in full, I get no increase. 
In the past year, my score has decreased by XXXX points, which is unacceptable, as I pay all my cards in full every month. 
The language barrier makes it difficult to communicate and thus, I can not obtain the information. 
I have sent a registered letter in XXXX of XXXX with the account balances and payments, but have yet to receive a reply. 
My credit report is very important to me, and therefore, I am constantly checking the information and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian for XXXX XXXX account # XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were 3 reasons to investigate this account that should not be on my credit account. 1 ) The account belonged to my ex-husband, I never signed for treatment for my son treatment, 2 ) the charges we for medical bills in XXXX which are past the State of XXXX Statues for reporting 3 ) The amounts were wrong. 

I also, sent supporting documentation on XX/XX/XXXX and I feel they failed to accurately review the information. I also called XXXX XXXX and spoke with XXXX XXXX on XX/XX/XXXX. She told me to dispute it with the credit bureaus they never received any dispute from Experian. 

Experian failed to properly review the my documentation and review my complaint
Product: Credit reporting

The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
Product: Credit reporting or other personal consumer reports

XXXX is been reporting an inquiry by XXXX XXXX twice, on XXXX, and XXXX. I had no business with this company or authorized them to run my credit.
Product: Bank account or service

I am with bank of america and I have a core checking account. I have recurring monthly charges to be billed to my account, and in XX/XX/XXXX and XX/XX/XXXX i was charged overdraft fees for services which automatically billed, and the bank determined to clear on the own volition. I did call into bank of america on XX/XX/XXXX and was advised by the supervisor that the fees were valid, and that i had no right to their return, even though i had originally requested a bank account that would not let that happen. I was then advised that the checking accounbt i was in, allowed for those to go through, i could not stop it, burt i should have been originally set up in a " safe balance '' account. this is a checking account from bank of america that does not allow those charges to go through. I was never advised this bank account existed previously. the person at the branch did not ever advise me of this bank account even though it best suited my needs and requests as a consumer when i opened my account in XXXX of XXXX the banks website does not offer the checking account product to someone going to open a checking account online. the supervisor came back and was unablke to show me on the website where the safe balance checking was offered as it isnt. consumers who do not want their debits to go through without proper funds in their account have no option online or available in the branches if they do not specifically know to ask for that specific account. i was told wiith my account it wouldnt happen, and yet it did. the supervisor did refund the {$70.00} in fees at the end of the call, but also stated there was no way for a consumer to know about the other account unless specifically offered it.
Product: Debt collection

I was notified on XX/XX/XXXX that an account was added with collections for a debt of XXXX by XXXX and sent to Diversified ADJ SVC to Collection Department with a Account Number XXXX. That account or debt does not belong to me. I have been a victim of fraud or identity theft, I already have an alert in the credit companies for fraud alert since XX/XX/XXXX. I need you to please verify all that fraudulent information.
Product: Debt collection

Seventh Ave stated an account was opened in my name. This is fraudulent and has been over 10 years. Please have item deleted from my report.