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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company collecting agency had an pay to delete agreement prior to the payment which Bank of America had not honored after receiving the payment of {$770.00}.
Product: Vehicle loan or lease

I got a loan with santander paid the car off in 3 years now theres some audit and they have refused to put it on my credit score also now that the loan is paid santander XXXX it appear i had late payments when at the time i sold the car there was none
Product: Debt collection

I have a negative entry on my credit report from Synchrony Bank. I have never received any letter from them saying I owed money. They provide no proof that it was my debt. The debt was sold to XXXX XXXX and that account is closed but the negative information that Synchrony Bank reported is affecting my credit and the only answer that I get from them is that they sold the account. I need them to remove the negative information from my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023XX/XX/year> XXXX XXXX XXXX2023
Product: Credit card or prepaid card

Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that SHOP YOUR WAY is in violation of 1006.30 ( e )
Product: Debt collection

IQ Data International, INC     XXXX   XXXX     XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX  Reported to my credit negatively last on  XXXX / XXXX /  XXXX  . The alleged debt was originally for  XXXX  and now the debt is  XXXX . I do not own this debt. This debt belong to my ex spouse that was in the military and discharged and labeled unable to   XXXX   due to  XXXX . I had to sign the lease because I was over the age of  XXXX  and they needed to run a background check. I had NO income which was clearly marked on the application. I have requested the debt be removed from my credit report permanently and null and void. I do NOT own this debt. They have not removed this debt nor acknowledge the true ownership of this debt. I do not own a valid contract as a co-signer on this application or debt.
Product: Credit card or prepaid card

I opened a line of Credit at Macy 's department stores. I had set up direct payment of the full balance every month from my checking account into the Macy 's department credit account to pay it off every month. I was not knowledgeable that I was also enrolled in the credit protection services provided by CITI bank. However, when I tried to use the services of this program and submitted the proper paperwork I was denied the benefits. I called many times to cancel the benefits, and yet they still appeared on my account.
The total experience I have had with this matter has resulted in me losing many deserved credit related opportunities, has cost me thousands of dollars in trying to fix this account, and no reprimand or understanding from either party. I still have a debt collected over my head and on my credit report that I constantly have to battle everyday since.
Product: Credit reporting or other personal consumer reports

There are things on my credit that is not me. I tried to get them off my credit however they remain there. Somebody was claiming me on taxes for 3 years and I feel like not just my social was exposed although my credit was as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I tried to dispute with the credit bureaus and XXXX  XXXX late payments on my XXXX  XXXX accounts for XX/XX/XXXX due to the fact my dad died in Texas and I live in Kentucky. Also, my dads truck was missing, and it took me three months to locate it. I want to be very clear my personal information was never in that truck and my identity was NEVER compromised. I also want to point out that my daughter also died, so her and my dad 's deaths were less than a year apart from each other. The late payments in XX/XX/XXXX are preventing me from getting a HELOC, which I need to consolidate my own small debt and prevent my dad 's land in Texas from being foreclosed on. 
I just wanted to file a dispute to have XXXX XXXX remove the 30 day late payments from that time period. I feel my circumstances were extenuating. I was daily having to speak to multiple police depts, ambulatory services, hospitals, Crimes Against Persons, etc. There was also an investigation into my dad 's death by the coroner who determined it was an accidentally fall and not foul play. Anyways. XX/XX/XXXX was very stressful for me and I've had an otherwise great paymeny history. I've been a customer of XXXX XXXX since XXXX and have never disputed anything, asked for an exception, filed a dispute or anything. My accounts have been current for over a year. 
So I sent XXXX XXXX, XXXX, Equifax, and XXXX all my supporting evidence of my dispute and a 5 page letter detailing my dispute and asking for a little grace just to have those late payments removed. I don't feel my request was unreasonable especially since people are still milking the COVID cow and having things taken off their credit for that. I think my circumstances are a little bit worse than COVID. 
What happened instead : My dispute has been ignored by all 3 credit bureaus and XXXX XXXX. All 3 credit bureaus responded by putting a 7 year fraud alert on my account, when my information was never compromised. When I spoke to XXXX they admitted fault and removed the alert. Equifax and XXXX have ignored my communications, and I have not heard a response from XXXX XXXX as of yet. 
I would like you to investigate the issue and determine if what I originally disputed was reasonable under the Fair Credit Reporting Act, and if it is, communicate to XXXX  XXXX and the credit bureaus the late payments from XXXX and XX/XX/XXXX should be removed. Further I would like you to counsel executives at each credit bureau when a fraud alert is appropriate. In my situation it was not. A parent 's stolen truck is not reason enough for an alert especially the only relevance it had was in regard to the dispute and my identity was never compromised. 
I can not communicate this to these people because I've made multiple calls and sent correspondence by mail. I did not attach documentation since Equifax, XXXX, XXXX, and XXXX XXXX all recieved my dispute letters, dads death certificate, obituary, my daughters obituary, and the stolen truck report supporting my extenuating circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )
Product: Credit reporting

XXXX submitted a credit inquiry on my credit report without my consent. XXXX agreed to deleted the inquiry after I filed a complaint with the Consumer Financial Protection Bureau. XXXX added it back to my credit report. I have asked them to remove it and Equifax to investigate it, they have both refused to do so.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These errors include accounts Ive already paid off marked as unpaid and a few accounts that I dont recognize at all. These mistakes are driving my score down and affecting my access to better interest rates and financial products.
Product: Debt collection

This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly XXXX years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but XXXX refuses to remove the account. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus in XXXX and to LVNV directly in XXXX. XXXX simply ignored everything I sent them and verified the account. This account does not belong to me and they are refusing to even properly investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with XXXX XXXX arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.
Product: Credit reporting or other personal consumer reports

I did not authorize a credit report for the company Nationwide Cassel
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not approve any of these credit inquiries.
Product: Mortgage

Each month my payment is sent from XXXX XXXX between the XXXX and the XXXXThe loan is {$1300.00} each month, I started sending {$17000.00} about 3 or 4 months ago, I had been sending {$1600.00} before that. Before my account. was sold to this company, I never had trouble with the additional payment. Now I am being charged late fees for using thier payment plan. I have the loan thru a loan company. but a collection agency handles the account. LOANCARE XXXX. XXXX XXXX XXXX XXXXXXXX, VA XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX, VA XXXX XXXX A charge of {$51.00} for late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries from capital one that I did not authorize. 

XX/XX/XXXX and XX/XX/XXXX I 've called to have them removed as I did n't authorize but they have n't been removed yet.
Product: Credit reporting 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 Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notification about my credit score change. I checked XXXX that displayed a debt in collections for {$190.00} from Sunrise Credit Services. I called Sunrise Credit and spoke to XXXX XXXX who was very rude. He advised me that the debt is from XXXX. I advised SCS that I never received anything regarding this bill. He stated that he text me and emailed me but admitted that they did not send out any written notification. I asked SCS what email address and telephone number that they used. Both the email address and telephone number ( a landline ) was incorrect. He stated that they did not send out a written notification although he stated the CORRECT address. 

I discontinued XXXX services in XXXX of 2023 due to it being expensive. I paid the balance of my bill via the phone which included a discontinue fee due to my contract was not over for another few months. I never received any additional bill from XXXX nor any written notification from SCS.
Product: Mortgage

My VA mortgage with USAA was paid in full through refinancing with XXXX XXXX on XXXX/XXXX/16. There was an escrow account in the amount of {$3300.00} to be refunded and mail to me at the address they had on file. To this date XXXX/XXXX/16 I still have not received the escrow refund. I feel this is an abusive amount of time specially in the digital age we live in.
Product: Vehicle loan or lease

Santander is reporting inaccurate late payments on my credit which are severely damaging my credit scores.     The original creditor for this debt was actually  XXXX   XXXX . It was opened on  XXXX / XXXX / XXXX  with a loan amount of {$29000.00} this debt was then acquired by Santander who has been servicing the account since then.     After the acquisition, the  Affordable Care Act  was implemented causing our  XXXX    XXXX   XXXX    income to be decimated. This unfortunately led to the situation where our vehicle was repossessed by Santander on  XXXX / XXXX / XXXX .     After the repo, we wrote the attached   Repo Letter at which point Santander disappeared and continued to report my loan account under Paid as agreed on my credit. We noticed that they were reporting an incorrect car payment of {$460.00} and an account number on my report that did not match my records so I also disputed this with the credit bureaus during that time.
This is when Santander   suddenly changed their status from paid as agreed to severely delinquent with no explanation as to why. When that reporting change occurred, my credit scores dropped over  XXXX  points which completely devastated my credit.     I called  Santander many times to dispute how they were reporting ( based on the fact they received {$10000.00} at auction ( + ) charged off {$12000.00} ( + ) pre-repo car payments we made of {$17000.00}, all totaling {$40000.00} ) however, despite already writing off and collecting this {$40000.00}, Santander claimed we owed another {$16000.00} which if that was accurate, they would be saying we contractually owed them {$57000.00} ( and as you can see by the attached doc labeled Original Sales Receipt, the total contract, with interest, was for {$44000.00} ) and interestingly if you were to add that {$40000.00} ( from what they wrote off and collected ), to the {$4000.00} weve paid them during our settlement agreement, that total equals {$44000.00} ( which exceeds the contract amount of {$44000.00} ).      Despite all this, in  XXXX , I decided to contact  Santander to settle the unresolved debt. After contacting Santanders Collections department and speaking with a Manager  named  XXXX  at ext.  XXXX , he agreed to settle the supposed {$16000.00} balance owed for {$6000.00} - the payments are $  XXXX  which Ive paid every month since  XXXX / XXXX / XXXX .     Their records will show that I have paid the agreed upon payments of {$150.00} every month since then without ever missing a payment. As a matter of fact, I have taken it upon myself to make payments before the scheduled due dates to show my resolve in getting this cleared off from my credit.
Product: Checking or savings account

I am the victim of twXXXX financial crimes perpetrated on XX/XX/2023 in the amount of {$2600.00} and {$2900.00} involving your bank. I filed a fraud claim on XX/XX/XXXX at my local branch in XXXX managed by XXXX XXXX ( see attached ). I received a letter in the mail from your institution yesterday stating that your institution intends to honor these transactions and to allow the criminals who perpetrated these crimes to keep the money belonging to me that your institution gave them. 
I called the only Truest number available to me that anyone would answer, and was provided the attached document as evidence of an investigation. I spoke with someone named XXXX XXXX who was identified as a supervisor for financial fraud, and he told me there was nothing he could do and I should drive to my local branch and see if they could help me. He also indicated that this was actually my fault for not noticing it sooner. I asked to be put into contact with whomever investigated this crime. I was told I could not contact them nor would they contact me. I asked for the investigation report, and all I was provided was what I attached to this e-mail, which is clearly not a report.
Product: Credit reporting 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 Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

The XXXX tradeline ( Account # XXXX ) is inaccurate and is in direct and willful violation of the FCRA. I disputed this tradeline with TransUnion over 12 months ago, and TransUnion neglected to delete or update the information. As a result, TransUnion MUST DELETE this tradeline as it is hurting my financial life. I have retained a lawyer to sue for willful violation and for damages. 
As a reminder, the account balance is wrong. The account status is wrong. 
Wrong information has been displayed for over a year. This account must be deleted immediately.
Product: Debt collection

The phone number I provided is my work phone number in which I asked Portfolio recovery to never call because we are not allowed to recieve phone calls at work., Last phone call occured on XX/XX/year> at XXXX, the number wthat I received a call from freguently is XXXX, Also I recieved a letter on XXXX, from a solicitor lawyer asking to represent me and defend against a civil suit from Portfolio recovery, I have not been served yet, but I will seek some legal help once I save up the money.This company also calls my personal phone after they call my office work phone. I was recently disciplined because of this last phone call from portfolio recovery associates. I have asked on XXXX separate occasions not to call my work, and that it is a against the Fair Debt Collection Practices Act ( FDCPA ). This harassment is becoming sickening and it is embarrissing me at work, and has now starting to make life financially unfeasible.