23daVinci/CFPB_Complaints huggingface dataset:
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 Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

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.

I went in to look for a car and before i could even test drive a car the salesman ran my credit with a bunch of different banks that i did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : XXXX XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Product: Student loan

I am asking for someone to look at the paperwork Ive submitted several times to the FSA. Mohela did not keep track of my loans. I am unable to apply for loan forgiveness as only 3 payments since XXXX were accounted for.
Product: Debt collection

I received the first invoice collection notice letter from from law firm Linebarger Goggan Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Ph # ( XXXX ) XXXX, Fax ( XXXX ) XXXX dated XX/XX/XXXX. The collection pertains to a {$4.00} toll that did not register on the active XXXX  transponder I had at the time of travel through a Delaware toll. I received a detail statement from XXXX  showing all the other tolls before the Delaware toll and after the Delaware toll that registered and we're deductible from my XXXX  account when I passed through each toll. I filed a dispute with the law firm, who forwarded my dispute with Delaware DOT. I recieved a second invoice collection notice from the law firm dated XX/XX/XXXX, I called them months before receiving the second letter to find out the status of my dispute, I was told the dispute was still pending. When I received the second notice I called on XX/XX/XXXX to find out the status of my original dispute. I was told by a female representative of the firm that a response was recieved by Delaware DOT on XX/XX/XXXX stating the dispute was rejected because I did not file a dispute. This issue has been going on for over a year an a {$4.00} toll fee not register by my transponder turned into an unbelievable {$91.00} collection notice. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance  department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 regarding several unauthorized inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. 
I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated.
Product: Debt collection

I am writing to file a formal complaint regarding multiple fraudulent credit card accounts on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. In XXXX of XXXX  I begin to receive calls from adept collector from a credit card debt that was not mine. That prompted me to check my credit report. That is when I became aware of several credit card accounts that were showing on my credit report. 

The following accounts are not mine and are a result of Identity Theft. 
Discover Bank Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I kindly request your urgent assistance in removing these unauthorized and fraudulent accounts from my credit report as soon as possible. The presence of these fraudulent accounts not only misrepresents my financial behavior but also significantly impacts my creditworthiness. Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Product: Debt collection

On XX/XX/2018, I submitted a complaint to your company and the status was closed. This portfolio Recovery has sent to me a form for identity theft, I havent filed any police reports due to my information being used years ago a freeze was put on my credit file bug that was only good for so long.
Product: Debt collection

A request to validate debt was submitted to ( AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ) back in XXXX of 2023. This company was not able to validate the debt was owed by nor have they submitted sign proof that I signed an agreed contract with them. Can someone please instruct this company to remove this debt that does not belong to me from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Mortgage

My home loan servicing contract was sold to Mr. Cooper. Previously it had been serviced by XXXX Bank. 

Once the loan was serviced by Mr. Cooper there were a series of errors but the most serious is that Mr. Cooper is indicating that I owe them money for a lender paid expense from XX/XX/XXXX, when the loan was being serviced by XXXX. 

I have contacted XXXX and they indicated that there is no such charge in their records. 

I have escalated this to Mr. Cooper and their research department came back today and said that the charge is legitimate, though they have yet to provide any details or receipts of the charge. See below for the details from the research department at Mr. Cooper. 

Dear XXXX XXXX and XXXX XXXX : We received your request on XX/XX/XXXX, regarding the lender paid expense balance on your loan. 
Mr. Cooper has reviewed your loan and determined that the lender paid expense balance is valid and was assessed to the loan in accordance with your loan documents and our servicing requirements. 
Therefore, the balance will not be waived or reimbursed. Any outstanding balance will continue to show in the total amount due ; however, it may be paid over time, or it will be collected at the time the loan is paid in full. 
According to the terms of your loan, if the account becomes delinquent, the lender may do and pay whatever is necessary to protect the property and the lenders rights in the property. Furthermore, any amounts disbursed by the lender shall become an additional debt to the borrower. 
As of the date of this letter, the lender paid expense balance is {$440.00} and includes the remaining balance for the fees and costs that were assessed by the prior servicer on XX/XX/XXXX. Please be advised, further information in regard to the balance was not included in the transfer file. Please contact XXXX directly for further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/XXXX in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX CONTINUE TO ALLOW INCORRECT INFORMATION TO REFLECT ON MY CREDIT LOWERING MY SCORE TO XXXX. XXXX XXXX XXXX XXXX ARE REPORTING ACCURATELY. THE ACCOUNT IS CLOSED YET EQUIFAX SHOWS IT AS " PAYS AS AGREED ''. THE ACCOUNT WAS PAID IN FULL & CLOSED XXXX XXXX NOT XX/XX/XXXX!!!!! THIS IS NOT ROCKET SCIENCE YET XXXX & EQUIFAX TREAT IT AS IF IT IS! 

XXXX DO NOT TAKE FCRA LAWS SERIOUSLY AT ALL! IF THEY DID I WOULD NOT CONTINUE TO HAVE TO DISPUTE THESE SAME ERRORS OVER & AGAIN! THE BUCK STOPS HERE & I FULLY INTEND TO NOT DISPUTE THIS AGAIN IF THE BELOW & ATTACHED ARE NOT ACKNOWLEDGED. THE NEXT NOTICE ALL GET WILL COURT DOCS FILED IN CIVIL COURT & I WILL REQUEST A JURY TRIAL!
Product: Debt collection

Specialized Loan Services ( SLS ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX SLS sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. XXXX XXXX XXXX contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the XXXX XXXX XXXX  that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.
Product: Credit reporting

I paid off a collection account from XXXX XXXX XXXX. XXXX sent me a letter stating the account was paid in full and would be removed from all XXXX credit reporting agencies. 
XXXX and XXXX removed the account automatically, Equifax did not. I contacted XXXX again and they said they would request the removal again. It still was not removed so I submitted a dispute with a copy of the letter that stated it was paid in full and to remove it from my credit report. I just got back the results and they updated the account to paid but it is still on my credit report. I called XXXX and the Rep said they could not make any further changes even with the letter.
Product: Mortgage

XXXX 2016 of this year, I Became unemployed lost my job, me and my wife immediately notified our lender freedom mortgage, about the situation. We submit the proper paperwork over 5 times now. applying for so called programs that they offer. the first time there underwritter lost all of our information. We have been going through this process since XXXX of 2016 and every 30 days they need us to submit the same paperwork or make a payment by a certain date. We are making payments and they are not applying the amounts that we send in to our loan, so that they can continue to collect interest on our loan
Product: Credit reporting or other personal consumer reports

Inaccurately Reported Account : XXXX XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until XXXX days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
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. Thank you for your urgent attention in this important matter.
Product: Checking or savings account

I noticed Wells Fargo that transactions that was on my account was unauthorized so I filed a claim with them they sent me a new card but they still didnt refund me my money which was over XXXX they even put my account on negative multiple times I also have screenshots of the transactions that wasnt authorized plus they didnt give me a clear reason on why they think it was me til this day
Product: Money transfer, virtual currency, or money service

i should have nothing on my credit history except for 1 times a year payin taxes i have had id problems since i was a small boy ive never had a credit card and only 1 bank account and it is with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXX son in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just not fair.
Product: Debt collection

I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a credit line increase on my Capital One Platinum Credit Card. I received a denial of the credit line increase on XX/XX/XXXX, with a letter stating specifically that I could not receive an increase " because my credit score was too low '' The denial letter was dated for XX/XX/XXXX. The credit report used for credit determination decisioning was dated for XX/XX/XXXX - well before my increase request date. I have never requested a credit line increase, the increase requested on XX/XX/XXXX was my FIRST time ever requesting an increase in the years that I have held this card with Capital One ... so I do not understand why a report from XX/XX/XXXX would have been used ( A report from an entire month PRIOR to my request ) Information from the denial letter shown as below : Your Credit Score 514 - Date : XXXX Source : XXXX Information Services Additionally, I have been harmed by this. Had Capital One pulled an accurate report from the date of my request, my accurate credit score would have been reported. According to their own " Credit Wise '' program, which I am enrolled in, my credit report reflected a Credit Score of 617 as of XX/XX/XXXX ( see attached ) I tried unsuccessfully to dispute this as any reasonable person would, with the management team at Capital One. After talking with several managers about the 102 point discrepancy in the credit reports pulled, the last manager that I spoke with told me that there was nothing that could be done. When I asked to speak with the complaint department, I was rudely advised that " there is none '', and that I would need to wait at least 6 months to a year to try and obtain another credit line increase, despite the fact that my credit was not assessed accurately. I was treated rudely, and without consideration, despite the fact that I have proven that I have a very reasonable concern. I was told that if I had further concerns, to contact the Credit Bureau ... which I did. 

The Credit Bureau Rep ( at the XXXX Bureau contact shown on their denial letter ) advised that not only had Capital One NOT pulled any credit reports dated for XX/XX/XXXX, but that NOTHING had been requested since XXXX either. With the exception of my own soft inquiries, nothing was reflective of a Capital One request ... so WHERE is this scoring information being pulled from, if not from the bureau contact on the letter? And why was I denied based on an obviously aged credit report?