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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX Court XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I have had full homeowners insurance for the life of the loan. When the loan was taken over by Shellpoint, they failed to obtain my insurance information. After telling me that they were not going to set up an escrow account because I had insurance, they did so anyway and charged me. On 3-4 occasions I have sent them proof of my insurance. Finally today ( XXXX ) they cleaned up the escrow account. On XX/XX/year> I paid off my mortgage based on the amount they provided using wire transfer. They have not finalized my mortgage and sent me the paperwork.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with a credit repair company called XXXX XXXX XXXX ( XXXX ; XXXX ) ... for a debt of about {$3000.00} during XXXX. I was paying {$100.00} every month. I kept my commitment and paid every month through XXXX. During the covid pandemic I lost my job but I continued to pay when I could. I asked for a repayment plan that would work with my situation. None was ever offered. 
The debit was then transferred to Midland Credit Management. Midlandcredit.com. ( XXXX ; XXXX ; XXXX ) ..I don't know why it was transferred. I was never informed about the transfer of my debt. For some reason, some of my payments weren't accepted. I called to ask why and they never explained the reason why my payments weren't accepted. 
I then received a notice in the mail in XX/XX/XXXX that my debt was now increased to {$1000.00}. I had paid the debt down to {$100.00}, so I did not understand why my debt was increased to over {$1000.00}. I called Midland Credit Management in XX/XX/XXXX and inquired about this increase. They did not give me any answer. They said they declined my payments sporadically .... for XXXX, XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX. They did not give me a reason why. 
Now Midland Credit Management states that I owe {$1000.00}. They have never explained why my debt has increased over 10x. They intend to file on my credit report.

I beleve both of these companies are engaging in illegal and predatory practices towards their customers. Can you please investigate and help me determine how to prevent these 2 companies from negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Credit reporting

southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to file a complaint directly with Experian. They are trying to charge me to dispute my report or make it more difficult to dispute the report by disallowing me to file my claim on line. 
My credit score decreased more than 50 points in one day while my credit profile remained the same. Recently my score reached a fair credit score ( slightly above 600 ). It has taken more than 50. I have invested in monthly monitoring of my credit history and I have worked diligently to stay within an acceptable credit to income ratio ; and make timely payments. Despite my consistent efforts over the last five years, your agency has been slow to reflect any progress in my score and then shortly after I reach a fair rating you, for reasons unknown to me, have dropped my score lower than it was five years ago when I began monitoring my score. 

I find this recent excessive reduction in my credit score to be a a false representation of my credit profile. Said severe and unjustified reduction in my score is and will continue to cause me undue harm and unfair/disparate treatment. 

I request a reexamination of my credit worthiness to make the appropriate adjustments my credit ratings. Additionally, I request a detailed explanation for your findings. In the event this matter is not rectified imminently, I will seek resolution of this matter through the judicial system.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX I received an email stating my PayPal funds are now eligible for withdrawal after being held for 180 days. 

I am respectfully requesting that the hold on my funds/account be lifted. I am not requesting that my account be re-opened or allowed to continue to use the PayPal service. I have previously requested my funds be released which was denied.However, I feel that holding my funds for a non-fraudulent violation of PayPals Acceptable Use Policy is Excessive, and perhaps a punitive abuse of power.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that there are several accounts that I have zero knowledge of. I did not give my signature to authorize any of these accounts. Here are said accounts that should not be on my report : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$550.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$410.00} {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} {$2500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$540.00} {$500.00} {$540.00} XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} {$18000.00} {$13000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$15000.00} {$28000.00} {$26000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX  ( Original Creditor : XXXX THXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00} {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$76.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$990.00} {$750.00} {$990.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$590.00} {$700.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$960.00} XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided XXXX  so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a XXXX XXXX XXXX in order to delay processing letters from a consumer. If you do not process my letters in a XXXX  manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been getting Marketing from the company so i decided to apply with them. i recently got a letter from BHG Financial stating the reason for my denial was i was unable to verify applicants information. so i call the company as instructed in the attached documents. to try and rectify and they could not answer my questions. they are violating my consumer rights and equal credit opportunity act!. might i add i have great credit. so why are they denying me with no valid reason?
Product: Debt collection

one main financial per my credit report, account paid -- charged off i need this removed from credit report asap i have picture from credit report the statue if limitations for PA is 4 years, credit report showing removal XX/XX/2020. please have them do early removal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : SELF/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit card

This is the second time i am submitting this complaint because it resolved and you closed it. Is that how it works. If someone needs to call me to get more info my number is XXXX. Usaa will not close my account and they wont call me to get verification. They are working on disputes that i did not submit. And thats why its not closed. For disputes they should not be looking at. This is the problem i have had and why i'm closing the account.
Product: Credit reporting or other personal consumer reports

As of my May credit report on XXXX XXXX and TransUnion. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. File a complaint with attorney general 's office consumer protection as well. XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 



XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

My recent credit report is showing unauthorized unverified inquiries. These unauthorized inquiries are negatively affecting my credit and I need them removed immediately. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the credit bureaus to have this unauthorized inquiries removed, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the severe stress you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest Transunion data breach has an impact on my information, which might have ended up in the wrong hands.
Product: Debt collection

Ive made multiple attempts to rectify an alleged debt currently shown as in possession of Jefferson Capital System. The amount shown as owed from the original creditor is 5x the amount of any known potential charges and nearly double that of the card limit. In an effort to ensure there were not fraudulent charges on the account Ive requested MULTIPLE times to have the amount validated. Ive formally disputed the amount and requested proof of amount owed and repeatedly it goes nowhere. 

Jeffersons solution was to sell the debt without notice to yet another debt collector. A fact I only found out about when after MONTHS of attempting to correct and resolve I wanted to settle the account as its continued life being parked on my credit is directly hindering my home purchase ability. 

I received no written notice of the debt sale and have had zero contact from the alleged new debt owners. I only know of the sale due to the notice provided when I yet again attempted to contact Jefferson to resolve. Now, because of this absolute joke of a management team Im left in limbo with no way to resolve or remove this from my credit. I still have no proof of the amount owed and even if that werent in dispute there is no way to pay and close the issue due to the mismanagement all around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX The account has been disputed twice and Transunion has stated that the account has been validated. However, the account status has not been updated since XX/XX/2017.
Product: Vehicle loan or lease

My vehicle was stolen and insurance co issued payoff check along with gap company. Chrysler financial cashed both checks on XX/XX/XXXX. Has yet to credit account and show as paid in full. I have called many time and as of today account still has the outstanding balance. No one is willing to resolve issues
Product: Credit card or prepaid card

I had a business credit card with Captial One Bank. I spent over $ XXXX on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that XXXX XXXX  refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in XXXX XXXX terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card.