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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University, through its collection agent, Windham Professionals , Inc, accepted my offer to settleme an alleged debt, however has not honored the settlement agreement and continues to attempt to collect the alleged outstanding balance. On XX/XX/2020 Windham Professionals , Inc negotiated my payment instrument ( check number XXXX ) in the amount of {$820.00}, which fully satisfied my account. XXXX has refused to release my transcipt or provide me with a notice that the account is settled in full. I contacted the agent on XX/XX/2020 and was told that I am required to continue to pay. I sent my check directly to the president of the company Ms. XXXX XXXX XXXX XXXX with a letter enclosed. The letter clearly stated that the enclosed check was to be cashed only if the settlement offer was accepted. In addition, the check was marked " Settlement Only '', as a restriction. I also requested a letter of rejection if the offer was not accepted. See the attached files ; cancelled check copy and accompanying letter.
Product: Debt collection

i had an account with synchrony bank on XXXX. it was opened in XXXX i made my pyments on time for purchases, until XXXX began trying to overcharge me on some items. attempts to correct the issue with XXXX accounting were unsuccessful in XXXX when this occurred. after months of back and forth nothing was resolved. in XX/XX/XXXX, i suffered a XXXX. i was unable to continue fighting with XXXX. in XXXX, when i recovered enough to get back on track, XXXX told me the account was closed and XXXX. i heard nothing from XXXX XXXX about this matter either. no attempts to collect. in XX/XX/XXXX i received a letter from LVNV collection agency. i conveyed this series of events to them. they ignored my attempts to correct this issue. snce it had been over 5 years since the account was opened it was no longer a valid dect per pennsylvania law statute of limitations. i was ignored again. then received notice of a magistrate hearing in XXXX XXXX i have a XXXX  XXXX on the phone and was unaware that i needed to respond other than show up at the XXXX, which i did. the representatives of LVNV funding did not show up. i was told because i did not inform the magistrate i would be there. it was rescheduled for a month later, but i was unable to attend. then i received a letter in XX/XX/XXXX stating that LVNV funding went to common pleas court and got a judgement against me. i had no idea there was any court scheduled, no one informed me. i again attempted to inform LVNV funding i am on social security and have no assets and my income is protected. never the less they have put this negative claim on my credit report. as i stated, they ignored all communications from me. my income is solely from social security and i am a handicapped senior citizen. i would like this removed since it was invalid to begin with having gone beyond the statute of limitations of 4 years.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in 2009. They are a school who of course offered to find you work once you graduate and, in whatever I originally signed, a person is not to attend grad if you owe money. 
During my attendance, I went to ever financial meeting and they always told me everything was okay, all the school needed to do was turn in my XXXX XXXX paperwork for my final loan to go through and I was good to attend grad. 
The day AFTER grad they called me to the office and said I owed {$5000.00}. I asked why I was able to go to grad if that was the case, but they only kept saying " well you still owe us money so you are n't getting your XXXX '' I still have n't told me family because I 'm so sad. Every time I call or visit to ask for paperwork on my years attended they never call back or ignore me and I have never recieved anything regarding my case in the last 5 years. 
I am not the only person this has happened to and it has only happened to minorities.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Product: Debt collection

American Coradius International LLC mailed a letter on XX/XX/2024 attempting to collect a debt for a XXXX credit card for XXXX The letter was mailed to XXXX XXXX XXXX XXXX. This is not my address. This is my XXXX  parents home. I do not live there/ nor do I use this address. This is harassment and undue stress in already troubling times.
Product: Credit reporting or other personal consumer reports

My credit was leaked during the XXXX breech and since Ive had all sorts of stuff appear on my credit report I didnt make or approve any of the hard inquries and I also have an old account that is settled that will not go away affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.

Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. P
erpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.
Product: Credit reporting or other personal consumer reports

Date:XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by Inquiry made on : XXXX To Whom It May Concern I am writing to dispute the following information in my file. I recently received a copy of my credit report, and! :, notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act : {$720.00} ( was credited toward the error debt ) as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation ; and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please : send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so il may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit : inguiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my : credit file ( XXXX XXXXXXXX XXXX XXXX from XXXX XXXX  ) Please be so kind as to forward me documentation that you have had the unauthorized inquiry : removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. : According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. : Your immediate attention to this matter is appreciated. Thank you XXXX XXXX
Product: Mortgage

I have tried to apply for a loan modification in the beginning of XX/XX/XXXX, I have submitted all documents they ask for, and at the end of the process they ask for things that have either been settled, or have never ask before, the issues they ask for documentation for was the following : proof of a child support lean ( state of Iowa ) was taken off of title, I gave them documentation of child support payments stopped back in XXXX in a court order. I gave them the court documentation and also documentation from the Iowa Child Support recovery unit. Second they ask for proof that they ex wife did not have any stake in the property, I have them a copy of the divorce decree, stating that my ex wife did not have any stake in any property that I own. The last thing they ask for was proof of mortgage of the address XXXX XXXX XXXX XXXX, XXXX IA XXXX, due to I collect rent for this address, this is the other side of the duplex that I currently have a mortgage with Community Loan Servicing. They are asking for a proof of mortgage of a property that they are the lender for! I have I have given them a copy of the assessors site page showing my house is a duplex, but also I gave them a letter from the City of XXXX IA, stating that both XXXX and XXXX XXXX XXXX XXXX, XXXX IA XXXX is the same building, and that they and the assessors office only references the XXXX address as it is the parcel address that they use for tax purposes. I have given this information before the suspense date that they gave for receiving documents, but they still declined my applicant stating that I did not fulfill the documentation requirements, which is False!!!!
Product: Credit card or prepaid card

Truist Bank continues to let the XXXX XXXX XXXXXXXX bill my Truist credit card despite my repeated communications to both organizations that the charges are not authorized. 

In XX/XX/2022, I noticed that the XXXX XXXX had been charging monthly charges ( $ ) to my Truist credit card. Neither I, nor anyone in my family has any recollection of setting up the subscription. That month, I contacted the XXXX XXXXXXXX which didn't have any record of an account associated with any of our family email address. They could not find my account based on the Truist credit card details. They said they could not do anything about ceasing the charges. 

I have contacted Truist multiple times about refusing these charges. Truist most recently said they can not decline the charges from XXXX XXXX XXXXXXXX because .... 

" Our investigation revealed that the transaction ( s ) are valid. Your case is being denied based on the following : Evidence shows this purchase was a recurring transaction and we have received no evidence that shows this authorization was cancelled. '' So Truist 's de facto position is that I must pay these charges in perpetuity unless I cancel my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of Dispute Regarding Violation of FCRA Rights and Request for Investigation and Removal of Inquiry Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian in relation to an inquiry from XXXX XXXX XXXX I request that you investigate this matter thoroughly and remove the erroneous inquiry from my credit report promptly. 

On XX/XX/2023 ], I obtained a copy of my credit report from Experian and noticed an unauthorized inquiry from XXXX XXXX on my report. As a diligent consumer, I am well-aware of my rights under the FCRA and firmly believe that Experian has not fulfilled its obligations in properly investigating and handling this inquiry. 

The FCRA provides me with specific rights to ensure that my credit information is accurate and that I am protected from any inaccurate or unjust information affecting my creditworthiness. The rights I am protected under include, but are not limited to : 1. The right to receive a free copy of my credit report from each of the nationwide credit reporting agencies, including Experian, once every 12 months upon request. 
2. The right to dispute any inaccurate or incomplete information on my credit report and request an investigation into the matter.

3. The right to have any inaccurate or unverifiable information removed or corrected from my credit report within a reasonable time frame.

4. The right to be informed of any actions taken or results obtained from the investigation of a disputed item. 
5. The right to limit access to my credit report to authorized entities and individuals, as specified in the FCRA. 

It is evident that Experian has failed to adhere to these rights and obligations by not properly investigating the inquiry from XXXX XXXX. Therefore, I demand that you take the following actions immediately : 1. Conduct a thorough and proper investigation into the disputed inquiry from XXXX XXXX and ensure that it is promptly removed from my credit report if found to be inaccurate or unauthorized. 
2. Provide me with a written explanation of the results of the investigation and any actions taken as a result of the dispute. 
3. Take necessary steps to prevent the reoccurrence of such violations in the future, and ensure that your procedures are in full compliance with the FCRA. 

I am willing to cooperate with you during this investigation by providing any relevant documents or information to support my dispute. Please acknowledge receipt of this notice within 30 days of your receipt of this letter, as mandated by the FCRA. 

Failure to address this matter in a timely and appropriate manner may lead to further legal action to protect my rights under the FCRA. 

I expect that Experian will promptly and responsibly address this dispute and take all necessary actions to rectify the issue. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have never received any money from this lender or have even heard of this company. I believe it to be a fraudulent case.
Product: Mortgage

I have a loan that is being serviced by Ditech Mortgage, loan # XXXX. I've been trying to resolve an issue I found since XX/XX/2018 to no avail. A reallocation occurred in my account where {$9000.00} was debited from my principal, {$3200.00} from interest and {$2900.00} from escrow. I do not see any reason why this occurred. I need an explanation of this reallocation that I do not agree with. I always pay additional towards my principal to pay down my loan. I've been given the roundabout to no understanding of what they did. Please kindly assist me in this situation. I have my home under contract for sale and need to resolve so I am paid in full all the money I have put into my account.
Product: Debt collection

Keeps calling my ex husband phone, tell them to stop contacting my husband, stop harassing me, do not contact me if I owe something send me a letter do not call me or my family.
Product: Prepaid card

I received a refund to my Cash App card on XXXX XXXX XXXX  from XXXX to Cash App for {$29.00}. Cash App cancelled the refunrn with no explanation. 

I have requested answers to the issue with no response from Cash App
Product: Credit card or prepaid card

It was COVID I lost my job as soon as I found a new one I paid them % 100.. I asked to forgive my late payments being that I showed good faith in paying asap
Product: Debt collection

I have collection agencies been adding stuff to my credit report with all three bureaus since XXXX  from unknown credit cards or cell phone bills etc
Product: Vehicle loan or lease

In XX/XX/2010 i allegedly co-signed a vehicle and the financing was By Santander Consumer Usa. This car was a lemon but because it was used the lemon law could not be enacted. The bank charged {$37000.00} on a {$15000.00} so XXXX of these dollars were interest. Predatory lending!! They never sent a final bill nor did they give the option to buy this car at auction. This car was not worth {$37000.00} and when they sold it at auction and after receiving payment on this they state a balance of {$16000.00} is owed.. I'm disputing the validity of this account because i have no knowledge of the alleged account and would like the original signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting a 120 day late payment on a collection account. The collection account was previously closed and has since been re-reported with a new account number to XXXX which is against regulations.
Product: Payday loan, title loan, or personal loan

A judgement has been filed against me regarding a title loan I had in 2016. I have consistently made the {$100.00} a month agreed upon payments since the judgement. I was told at the beginning of this that if I was to have a lump sum they would settle for me. 

Since COVID I have attempted to contact Cash Time Title Loans and request a settlement offer to get this debt closed out. They responded to me stating that they are unable to offer any settlement at this time. I also have had a volunteer Lawyer attempt to contact the company asking for smaller payments or a settlement offer but they have neglected to respond to him as well.
Product: Credit card or prepaid card

the dispute is with barclays bank / jetblue mastercard wants to bill us twice for a trip i took with my husband. There was an error on the original bookingh it never went thru and i never recieved confirmation email or authorized payment. I booked the same day the trip we wanted and recieved confirmation and payment was made on arrival at the hotel we were staying in we were informed that there were two reservations for rooms with another confirmation number. I then checked jetblue and they had booked 4 plane tickets and two hotel rooms to my name. As it was impossible for my husband and i to use up 4 seats on the plane and two hotel rooms when there are only two of us. I asked jetblue for proof that we had used up 4 seats and 2 hotel rooms and the only thing they sent us was proof of the 2 seats and 1 hotel room we used which i paid for.This has been going on back and forth since XXXX and i refuse to pay for a reservation that i did not authorize or use because of a computer error there system error.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax reporting all the violations with XXXX
Product: Checking or savings account

Direct deposit of over {$5000.00} from pay check was sent. Capital One is refusing to give me any clear answers as to why they are not able to put it into my account. They are holding the funds and are claiming it is a technical issue. This is not okay as many people live paycheck to paycheck and I am now not able to purchase groceries or gas and having to cancel doctor appointments for my children.