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

I previously reached out to experian regarding an inaccurate public record on my account. Experian says that the account will not be deleted as they verifed with the furnisher that ALL information they are reporting is accurate this is there exact response " Our research indicates that you previously contacted Experian to request a reinvestigation regarding this information. At your request to begin a reinvestigation, we contacted the public record vendor as needed to verify the accuracy of the information with which you disagree. The public record vendor has verified the accuracy of the disputed information. The result summaries were sent to you for review on XX/XX/2021, XX/XX/2021 and XX/XX/2021. '' I now take this as proof that experian has not " VERIFIED '' the accuracy of this information after I pointed out the inaccuray said address XXXX XXXX XXXX XXXX being reported on this record that you verified with the bankruptcy court does not belong to me and is not accurate. I am asking that this information be removed as you are deliberatley reporting false information and because you are doing so you are violating my rights and I also want to be compensated as well as I have pointed this out and you are still continuing to violate my right under the FRCA and report inaccurate information
Product: Credit reporting or other personal consumer reports

Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Unathorized inquiry RELIANCE MOTOR CREDIT Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX  Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 





i noticed this issue in XXXX correct information needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in 60 days to be removed.

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. 
Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I never had an account with this company nor have they ever tried to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt should be clearXXXX XXXX is under investigation fraud.
Product: Checking or savings account

Date XXXX, interest {$82.00}, sholuld be {$83.00}. Has calculated by me. Have sent Synchrony Bank several e-mail, need explanation. The bank do not want to respond for the error. Need the bank computation for the {$82.00} interest calculation for 5.15 % APY as contract with the bank.
Product: Credit card

I received an alert that my Citibank credit card account had been compromised and to call them ASAP. When I called, I was told that a vendor I had used had been hacked and that my number was on the list of stolen numbers, and that my card should be shut down immediately. But they would n't tell me which vendor, and then they refused to send me the replacement card before closing the account -- which is incredibly inconvenient because I have many automated payments scheduled. I do n't see why they ca n't send out the replacement card with the new number before closing the old card, that would be more convenient for customers ( especially when we 're not responsible for this fraud in the first place ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has refused to remove my consumer statement and to provide an updated credit report reflecting that the statement has been removed. Pursuant to receiving my free annual credit report on XX/XX/18, Trans Union have failed to act upon my 3 written requests to remove my consumer statement.
Product: Money transfer, virtual currency, or money service

I was trying to sell a knife set online. I was approached by a XXXX XXXX who agreed to pay the full price of the set : {$2000.00}. He then sent me a cashiers check of {$3400.00} and told me to transfer {$1400.00} to a XXXX through XXXX. I sent the payment to the supposed shipper and check my account to find that the check bounced. And when I contacted the shipper they declined the refund.
Product: Mortgage

I am having problems with my mortgage company, bank is holding my insurance check to get my house fixed. I do understand that it is rules you need to go by. But this bank is giving excuses one right after the other. After giving them all the information they still want approve me getting my from escrow to repair my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= XXXX ) Account Status= Negative the account was closed and paid in full with no late payments XXXX  XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX  Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX  Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX at XXXX XXXX I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or 1 To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX ) said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX XXXX XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply.

Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Text Message I immediately called back Wells Fargo at XXXX and filed a claim realizing I had been scammed. All my money is gone and Im devastated. Im so mad at myself that I fell for this. Please help.
Product: Credit reporting or other personal consumer reports

Columbia Debt Recovery ( Residences at XXXX XXXX ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Mortgage

This was a XXXX XXXX XXXX XXXX  loan taken out in 2004. It was collateralized against my principal home, last year I began not to make payments on the home and lost it to foreclosure in XX/XX/XXXX of last year. I stood in the home until XX/XX/XXXXof this year and I recently in XX/XX/XXXX found out from the BK trustee that the business loan was paid off in full, after looking at the payoff the balance owing was only {$64000.00} and then I saw the outrageous amount of {$62000.00} in interest fees and another {$80000.00} in additional fees, these amounts are quite high, my question to you is if you can dispute these fees for me and see if they are legal, I was left wiped out after running this business for 25 years plus and counting on this money for investment and retirement. Please help and advise.
Product: Checking or savings account

So on XXXX XXXX chime bank received a XXXX deposit from social security, but however ever time I called that day they told me they didnt receive my deposit which was a lie. I had no money for XXXX  because with chime they state that you ca. get paid XXXX days early that never happened for me so on XXXX XXXX I went too the social security office in the XXXX and they told me they sent the social security check too chime but however ever chime returned my check too social security without my permission
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XXXX to be removed. 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 dateXXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

This is in regards to my Target XXXX credit card. I made a payment on XX/XX/XXXX of {$100.00}, the amount cleared in my personal checking account on XX/XX/XXXX. However, Target XXXX has not reflected the amount to my credit limit availability. On XX/XX/XXXX, I called to speak with customer service representative, I did not receive an exact answer why the credit availability was not updated nor how long it was going to take to clear. But I was told that I can call my bank and conference call with Target to verify the amount? I did not have time to stay on the phone to do that. As of date it still not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Took auto loan from XXXX XXXX XX/XX/XXXXin XX/XX/XXXX XXXX. Made 1st payment of {$34000.00} in XX/XX/XXXX, {$580.00} in XX/XX/XXXX, paid {$580.00} in XX/XX/XXXX, Paid in full in XX/XX/XXXX by paying last payment of {$770.00} in XX/XX/XXXX 3. Received letter from Bank on XX/XX/XXXX that the auto loan is paid in full 4. Got the title from XXXX on XX/XX/XXXX in my name. 
5. I received a my credit report from Experian indicating a 30 day late payment for the loan in the month of XX/XX/XXXX. 
6. Called XXXX XXXX XX/XX/XXXXand experian to file the dispute. 
7. My credit score dropped from XXXX to XXXX during XX/XX/XXXX. I only have 3 revolving accounts which are never late and fully paid. 
8. I called multiple times to XXXX XXXX XX/XX/XXXX and experian and finally on XX/XX/XXXX, they removed the late payment from my report and now my credit is @ XXXX In the overall 8 months i lost 100 points on my credit score and was not able to buy home due to low credit score which was not my fault. 

I need the following resolution 1. Want my credit score back to XXXX + XXXX. Need to have bank fined for wrong reporting 3. I should be compensated for all the time i spend and the deals i lost due to credit report issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts 15 USC 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 USC 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: Money transfer, virtual currency, or money service

On XXXX - we sent {$100.00} through XXXX Went to correct account. 
XX/XX/XXXX we sent {$270.00} to same number and money wasnt received XX/XX/XXXX - sent {$1.00} to same number again and money was received. 

XXXX will not provide information on why the 2nd transaction wasnt received and have denied our claim that there was a glitch or problem with system. No explanation no conversation
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX, Account # XXXX name XXXX XXXX :, Account name XXXX XXXX XXXX # XXXX, Account name XXXX  : XXXX XXXX, has violated my rights. 

I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  : Account number XXXX Credit Account Affirm Inc : Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Ive attached a copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Credit reporting or other personal consumer reports

I am a Victim of the Equifax Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX
Product: Debt collection

I found out through credit report agencies that there was a debt collection agency by the name of REMEX INC that I owe {$250.00}. I do not owe this money and do not know why I I was not informed by REMEX INC about this. I have debts that I owe which are in good standing. The only derogatory that I have is bankruptcy that was filed through XXXX, XXXX Court several years ago and was represented by my lawyer along with myself in attendance. 
I do not know if this is a scam, but I need to have this investigated as my credit score went completely down and I need to have this fixed ASAP. I have put a dispute with XXXX about this. 

Thank you for your diligence to this matter. 

XXXX XXXX