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

I noticed unauthorized and fraudulent inquiries on my credit report. 
I did not give consent to these inquiries. I did not sign any legal documents. 
According to the FCRA ( 15 U.S.C 1681 B ), LEGALLY these items must be REMOVED from my credit report immediately ; NOT disputed. If no action is taken place within XXXX calendar days, I will be forced to contact my Litigation Attorney and have her reach out directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX  XXXX
Product: Debt collection

I am writing this letter to complain about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX and the collection agency shot the inaccurate balance that they reported on my credit profile. The collection agency is Mutual Management Services located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Fl XXXX. 

I rented at XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX, 2020. On XX/XX/XXXX, I moved out of the unit. At the scheduled inspection time, which was suppose to be XXXX that morning, but couldnt be completed because the unit was not yet empty. The assistant property manager, XXXX, in the presence of myself and the maintenance person, told me that I could leave the unit key on the counter after move out because they would be closing at XXXX and closed the following day, which was Saturday they would complete the move out inspection with me. I sent an email to XXXX stated that I had left the unit and the keys were on the counter as discussed earlier. The move out inspection never happened. I reached out to the manager multiple times by phone and email regarding this matter and the final balance. Theyre excuse was they have been very busy and I would receive my final balance statement via certified mail. 30 days after the move out. I received my move out balance. You did not provide a full and specific statement of alleged damages and repair costs within 21 days of when I moved out. You only provided estimates of repair costs. Under a court case called Goodwill v. Madison Real Estate, these estimates are not good enough. You did not comply with the law. The management team had taken my {$500.00} deposit and charged me for alleged damages to the unit. Per emails with XXXX, the general cleaning fee is {$120.00} the carpet cleaning fee is {$80.00} and the painting was cost was not specified. Per XXXX, we will need to complete the inspection to determine if the unit needs any kind of paint. However, I did agree to pay for the cleaning out of the {$500.00} deposit. Once I responded to the inaccuracies, the manager then wrote back with additional charges resulting in a higher balance and stated that the case is closed and I needed not to respond. Then on XX/XX/2020, I was notified by a credit bureau XXXX  that I have a new collection for the amount of {$760.00}. The company owes me the remaining balance of my deposit which is {$270.00} after the cleaning fees were deducted. I am not responsible for the following alleged damages because there was no damage ; there was only normal wear and tear to the paint and to the carpet. The company also claims that I never provided a new mailing address which was provided on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Klarna, I need your help. XXXX is still reporting a hard inquiry on my credit report from XX/XX/2020. I reached out to your customer service about this matter several times. In the email attached, you stated that a request was sent to XXXX for removal of the hard inquiry. Also, another agent told me that your company does not use XXXX for credit decisions and there should not be any inquiry from XXXX on my credit report connected to XXXX. 

XXXX is still reporting this hard inquiry on my credit report, and they have stated that they have NOT received a request from Klarna to remove the hard inquiry. 

Please help resolve this issue. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting

Account charge off and closed need to be removed from Equifax. Account XXXX for an amount of {$350.00} without any company name just still showing up on Equifax report.
Product: Debt collection

Need to close the first complaint. ( XXXX ) The info that I sent was for a different Collection Agency because I could not find out any information on Fair Collection Service. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Attempts to collect debt not owed YOUR COMPLAINT A company by the name of Fair Collections @ XXXX called and wanted to speak with my husband. I told them that he was deceased. Then they wanted my personal information and I refused to give them any. I ask for name of company that they were trying to collect for, I ask for amount owed, I ask for their address, I ask for address of the company pursuing on the collection of any debt and they refused to give any info on anything. I also told them not to call again. I live in the state of Arkansas and paid off my husband 's debts til after he passed away. I now have found out that I no longer pay any remaining debts. But I have not received any notice from any collector for debts remaining. 

Since the first call on XX/XX/year> in which they would not give me any info. They have called several more times and would not give me any information on amount, or who they were collecting for. When I told them again that I was not giving them any of my personal information, they then repeatedly said that they couldn't do anything for me but that they were going to pursue the incident and take it further. I politely told them not to call and threaten me. I then hung up again. 

I received a collection notice from Fair Collection Services on the XX/XX/year>. They called me again asking for info and told me all I had to do was send electronically a copy of my husbands death certificate. I did so and they are still harassing me. They called again and requested that I fill out the notice that they sent plus email it back with a copy of the bill that showed the amount from the company that they were trying to collect on. I did this on XX/XX/year>. 
Now they are still calling and harassing me today. XX/XX/year>. I blocked their number. 
Plus the amount that they say is owed is more than that on the bill from : XXXX XXXX of XXXX, XXXX XXXX, XXXX XXXX, XXXX, AR XXXX, ( XXXX ) XXXX. 
I do not know what the extra {$30.00} is for. 

The phone number that the Fair Collection Service is using to call me is XXXX. 
The name of the company on the Notice is : First Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX Phone number XXXX The collection Agency using a different name on the caller ID is why I could not find any legitimate info in the first complaint.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Credit Agencies, Experian,, XXXX XXXX and XXXX are all reporting inaccurate harmful information on My Credit Reports.

Only My current address and information should be displayed on My Credit reports in accordance with Fair Credit Reporting Act - ( FCRA ).

Credit Reporting Agencies, Experian, XXXX and XXXX XXXX are " All '' reporting a XXXX XXXX Account on My Credit report that is " CLOSED '' and should be removed.

Displaying " INCORRECT NON-CURRENT '' information on My Credit Reports Violates the Fair credit Reporting Act, ( FCRA ) 15 U.S.C. 1681 and 15 U.S.C. 1681e. This is against the law and is Harmful to Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DELAWARE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 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 and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services 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 accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : XXXX XXXX STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 



WITNESS my hand and official seal in the County and State aforesaid this XXXX day of XXXX 2023. 



___________________________________ Notary Public Printeod Name : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I should have {$260.00} available to me in my XXXX  ( ran by payfair, partnered with XXXX ) wallet. But my funds are not available to me and I cant even see how much I have. Every time I try to access or view them I get a different error message. I have called XXXX and XXXX support every day since XX/XX/22 and emailed multiple times and have gotten different answered that range from a glitch in their system to a garnishment withholding with no solid answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. XXXX-XX/XX/XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm experiencing XXXX, dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Product: Credit reporting or other personal consumer reports

The below account is showing incorrect information and has been reported wrong for more than XXXX XXXX If this is not corrected I will be contacting a lawyer. This account was paid in full and I have proof. XXXX XXXXXXXX is knowingly reporting false information. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$39000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$39000.00} Monthly payment -- Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY You've made 86 % of payments on time XXXX Last payment XX/XX/XXXX Payment status In Collections/Charge-off
Product: Credit card

On XX/XX/XXXX, I noticed on my XXXX credit report that there was a hard inquiry from THD/CBNA ( The Home Depot ) on XX/XX/XXXX. I never tried to open a credit card account with The Home Depot on XX/XX/XXXX. On XX/XX/XXXX, I called The Home Depot, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results were : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist and spoke with XXXX. She tried to look up my application through a commercial account. Again, she could not find an account under my name or SS #. She recommended that I send a copy of the hard inquiry for THD/CBNA on XX/XX/XXXX to XXXX XXXX . 

On XX/XX/XXXX, I faxed a dispute letter ( attached ), a FTC ID theft report and a copy of the XXXX hard inquiry to XXXX XXXX and received no response. 

On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist. We were transferred through seven ( 7 ) different departments and individuals and spent over an hour and a half on the phone. No one could find information regarding this application and I was asked to provide my SS # in order for them to find the application request. As The Home Depot could not find my application on XX/XX/XXXX or XX/XX/XXXX with my SS #, I was not comfortable nor confident that they would find it on XX/XX/XXXX, therefore I am reporting this to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX XXXXXXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Debt collection

I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.
Product: Credit card

On XX/XX/2024, on my credit score report, I observed there to be an additional account that was opened in my name. I checked it and observed it to be with Capital One. The account was a Credit Card with a {$10000.00} limit. I never opened an account with Capital One, nor have I ever looked into opening an account. Recently I received an email from Capital One saying the account was opened, but it was going to be closed due to a lack of information being verified. I contacted Capital One fraud line and was transferred twice. It was confirmed that an account had been opened in my name, but it had been closed already and no money had been stolen. They advised an investigation will be opened and advised I filed a report to the FTC. Upon doing so I was redirected to this website. At this time it is unknown who may have opened an account and where my information was leaked or stolen from.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Under FCRA and Violation of 15 U.S.C. 1681o Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically in reference to 15 U.S.C. 1681o regarding negligence and noncompliance. The disputed accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Opened : XX/XX/year>, Balance : {$2400.00} ) XXXX. XXXX XXXX XXXX ( Account Opened : XX/XX/year>, Balance : {$1400.00} ) XXXX. XXXX XXXX XXXX  ( Account Opened : XX/XX/year>, Balance : {$350.00} ) I believe these accounts contain inaccuracies and may be the result of reporting errors or unauthorized activity. I also believe that the reporting agencies and data furnishers have acted negligently in ensuring the accuracy of this information, as mandated by 15 U.S.C. 1681o. 

Under the FCRA, I am requesting : XXXX. An immediate investigation into these accounts. 
XXXX. Removal or correction of any inaccurate, incomplete, or unverifiable information. 
XXXX. Documentation supporting the accuracy of the reported information, including account validation. 

Please consider this my formal notification under 15 U.S.C. 1681i to conduct a reasonable investigation. I expect a response within the legally mandated XXXX period. 

Failure to comply with the FCRA, including 15 U.S.C. 1681o, may result in legal action to recover actual damages, costs, and attorney fees. 

I appreciate your prompt attention to this matter and expect a written response confirming the status of my dispute.
Product: Student loan

Navient loan They have been messing with me since day 1 I am a US XXXX veteran. 
I know they have lawsuits filed against them I am searching for any kind of help i can find. 
My payments ive paid monthly have gone to nothing. 
The loan is still at the same amount as when i started in XXXX So for at least 6 years ive been paying a VERY SMALL loan and somehow my payments havent even touched it They did force me to forbearance a while back. 
And i also heard that they have miss charged US veterans on purpose which is part of the lawsuits, on charging higher interest. I have no help to combat all of this. And am seeking guidance and help with this situation that for years had been effecting my credit and my life that now i have found out the company is just mistreating a lot of customers. 
Any assistance would be helpful. If this isnt the right place. Whom i should call for help
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time Equifax sees new information they dock my credit score 4-28 points. Today they said one of my accounts increased by XXXX and docked me 4 points. That XXXX was XXXX XXXX yearly fee and I paid it the minute I saw it. I have taken a picture to prove it. Those 4 points can keep me from buying a home. They never check into anything they just assume. Its ridiculous and something needs to be done about it.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX Balance Owed : {$0.00}