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

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 that you post on a credit report. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Under federal law , you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit card

I have a XXXX American Express Platinum card, which offers a companion certificate for travel within the continental United States subject to certain rules and restrictions. I identified an itinerary where I wished to use this companion certificate, as well as a fare that met all of the rules and the restrictions for the award. I attempted to book this via the XXXX website initially, and then via the phone when the website said there were no results available. 

I spoke to an agent, who told me that even though there were published routings that qualified, there were no privately available routings that qualified. He advised me to file a complaint with the CFPB to receive additional assistance, as they only provide staff with the ability to book via a smaller number of private routings that they have available to them. 

Pursuant to the instructions of the XXXX/Amex support representative, I 'm filing a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several time to look into this account and provide account details. It is showing one negative month and no other information. Please provide payment history as to why this account is negative. Please provide at least two years of payment history including missed months and first day of delinquency. All you are providing is month closed not why this account is negative. 
XXXX - Account number - XXXXPayment history
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 XXXX XXXX XXXX  which falls under XXXX  according to XXXX XXXX XXXX 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 accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

The action was take, i called to inform them that i was turning in the car to prevent them from reporting the car repossessed. They informed me to turn it in ut then place it as a repo on my credit and it has has messed up my credit and affecting my job. Need your help, anothet dealership did this to me before and lost and they had to pay me back. Seeking your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've continuously been sending letters to XXXX XXXX XXXX on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for Transunion, XXXX and XXXX. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Credit Collection Services ( The CCS Company ) 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 also states a consumer report agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have errors on my report.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX that the following XXXX XXXX XXXX account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Debt collection

I joined the military and was unable to receive mail for 5 months and in this time I did not get any notification that I had a debt to be paid to Jonathan Neil and associates. During this time I was in the middle of an address change and started basic training. this means I did not have access to electronics of any kind or my home mailing address for 5 months at the 6 month mark of me being in the military I was finally notified by dot of Washington state that my license was being suspended due to unpaid debt towards an insurance company. This was the first I heard of this debt and even though I contacted Jonathan Neil and associates immediately after being notified by XXXX Jonathan Neil would not take the license suspension off my license with a payment plan in motion. By this I mean I already signed documents stating I will pay XXXX a month to this debt until it is paid in full with XXXX payments completed and a down payment. I have now paid off XXXX dollars of the XXXX owed. They will still not release the suspension. As my intention was never to run away from this debt I have consulted base legal to discover that this is considered very uncommon and before legal action is taken on my behalf the cfpb should be utilized first. I now have to repay for my license, motorcycle endorsement and will not be able to get a job in the automotive industry due to my now present negative driving record as I had before I joined due to the simple fact that I did not have access to my mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX  XXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXXXXXX XXXX XXXX # XXXX COmpany NAme : XXXX XXXX XXXX  : # XXXX COmpany Name : 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. Also states that a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} TransUnion : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Product: Credit reporting

My name and another with the same first name have somehow been mixed up together causing my address to show as hers and her name to show as an alias as well as her past history and associated people to be under mine. My car loan is not being reported to any agencies, it does have my married last name but my social security number has n't changed so should n't it still be reported to my credit? Also there are a lot of charges on my background check that are not mine A LOT! Mostly all of them accutally I do n't know how or why theyre there but this could dramatically effect my future employment and housing approval.
Product: Debt collection

On  XXXX / XXXX /   16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney The Moore Law Group,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   ,  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.
Product: Consumer Loan

My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time. 
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.
Product: Checking or savings account

On XX/XX/2020 i walked into my local Chase financial institution and deposited what i believe was {$960.00} into an atm machine located just inside of their doors. Im not 100 % sure of the amount because fooloshly i expected the atm to count it for me. Instead of my deposit going like normal, my money was taken and i was given a receipt that said there was an error. I immediately approached the desk and asked for help but they refused and advised i would have to file a claim through the number provided on the receipt. I did tjst right away. A few days later i received notice thatu cla was denied and mu account had been closed! When i called they said no money had been located and thst after their investigation they had concluded i put RUBBER BANDS into the machine and not money. Just ridiculous. I immediately went to the bank because surely there was a mistake. While there i got no resolution and was actually escorted out by police fpr trespassing. That day i escalated to the executive level and as a result another investigation was opened. A few days ago i was given the final decision which was no different from the original decision. It was XXXX from corporate who delivered that news via voicemail. I have asked and asked for video but was told they only review it for vandalism or if a crime was committed. There was a crime and my money and account are gone now. Please help!!! I can not afford this and have been put in a major bind because of it.
Product: Debt collection

Equifax is reporting false information on an auto loan that was already paid off.

Ive contact the lender and resolved the issue, but Equifax refuse to remove the false information.

The auto lender on my Equifax report is XXXX XXXX, which reports as closed and charged off and that has negatively impacted my credit score for years. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Inquiries Dear TransUnion, I am writing in response to your stall letter sent to me via email on XXXX regarding my dispute of inaccurate inquiries on my credit report. Also I reached out 30 days on XXXX and and a follow up on XXXX for a reinvestigation. However I did not authorize or recognize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information and to request a reinvestigation. 
I request that you conduct a thorough reinvestigation of the disputed inquiries within 30 days of this letter. Please ensure that you verify the legitimacy of these inquiries and provide me with the results of your investigation. 
Should you require any additional information to assist in this matter, please let me know at your earliest convenience. I appreciate your attention to this urgent matter and look forward to your prompt response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly believe they are fraudulent. I request a thorough investigation and prompt removal from my credit report.
Product: Debt collection

Account # XXXX On XX/XX/2022, I sent a Debt Validation Letter ( see attached ) to Portfolio Recovery Associates LLC in response to a statement I received from them concerning a debt they were attempting to collect. Portfolio Recovery Associates LLC has not sent any documents I have requested in order to validate the alleged debt. I have only received statements from Portfolio Recovery Associates LLC, which consists of addresses I have never lived at and accounts that do not belong to me. I received these statements by mail on XX/XX/2022. I requested evidence to validate the alleged debt, specifically documents that bear my signature and other documents listed in my debt validation letter.I have not received sufficient evidence or any of the documents I have requested from Portfolio Recovery Associates LLC regarding validation of the alleged debt. I have never had a relationship or contractual agreement with Portfolio Recovery Associates LLC and I am not responsible for the account they are referring to. The account does NOT belong to me. Portfolio Recovery Associates shall NOT report information to any consumer reporting agency using my personal information. Any previously reported information relating to me must be deleted from my credit report effective immediately.
Product: Mortgage

I refinanced a mortgage with LoanDepot in XXXX XXXX. Before closing, the loan origination officer stated, verbally and possibly in writing, that LoanDepot will service my mortgage for the life of the loan. 

However, I received a goodbye letter dated XXXXXXXX XXXX XXXX stating that my mortgage servicing was transferred to another company. Follow up phone calls with LoanDepot confirmed that my mortgage was sold and there is no mechanism to retain servicing at their company.
Product: Credit card or prepaid card

I am signed up for estatements with my Citi credit card. When I log into the Citi banking portal for my Citi credit card, I am unable to see statements online for months in which there was no activity. This is default behavior. I took a screenshot showing there is no statement available for viewing for the months of XXXX and XXXX of this year. However, I have determined there is a bug in the portal website architecture as there was in fact activity during this period : I made a large external bill payment to the account to pay off a balance transfer I had previously made to the card. I wanted to confirm that I wouldn't be charged any additional interest going forward, but I am unable to determine this online due to the missing statements. I tried to reach out to support using the online chat feature, but the agent was unable to assist me.
Product: Student loan

I applied for PSLF on XX/XX/XXXX. They currently have me listed as having made 118 payments, but all of my payments from XX/XX/XXXX till XX/XX/XXXX are missing. During the missing months, my loans were with XXXX XXXX XXXX. In XX/XX/XXXX my loans were transferred to XXXX. I have contacted Mohela repeatedly and I have filed a reconsideration request and a complaint with the Department of Education. They sent me an email on XX/XX/XXXX stating that my payment counts had been updated, but none of my payments from XXXX are listed on the Mohela site. Nothing has changed. I have worked in the same public school district since XXXX and I have been making payments the entire time. I contacted Mohela on XX/XX/XXXX to ask why they werent there and they didnt have an answer other than to say that it might take a few days for it to show in my account. That was a month ago and nothing from those missing years is showing up. They have no answers for me when I call or send written messages. My loans have been consolidated XXXXXXXX XXXX since XXXX and they need to include the payments made while I was with XXXX XXXX XXXX ( XXXX ), forgive my remaining balance, and issue a refund for all payments made over XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing issue of fraudulent hard inquiries on my credit report. Despite my repeated attempts to resolve this matter, I have not seen any progress or positive results from your end. I urge you to understand the severity of this situation and the impact it has on my financial well-being. 


-- -- -TransUnion XXXX -- - XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

These companies do not have my written consent to report items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX EXPERIAN XXXX XXXX IS IN VIOLATION OF REPORTING INCOME ON MY CREDIT REPORT ( S ) The charge off is considered a certificate of indebtness, and that is considered income. ' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. 
Income can not be reported to a credit report.

Income can not be reported to my credit report. 
Please delete immediately. 
This is against the law according to IRS PUBLICATION 4681 : Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments