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

MY CREDIT REPORT HAS MANY UNAUTHORIZED ITEMS. I REQUESTED THAT YOU SEND ME A COPY OF FORM SSA-89 THE AUTHORIZATION FOR THE SOCIAL SECURITY ADMINISTRATION TO RELEASE SOCIAL SECURITY NUMBER VERIFICATION FORM. I NEVER GAVE WRITTEN PERMISSION. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested Experian to investigate the following items in my consumer file, XXXX XXXX XXXX  XXXX XXXX XXXX ( {$410.00} ) XXXX. XXXX XXXX XXXX ( {$7900.00} ) Inquiries : XXXX XXXX XXXX. 
Experian responded that Items were verified. 

On XX/XX/2021 I requested a reinvestigation on the same items, I requested a written procedure to determine accuracy and the written results of the investigation. 

I received a response after 30 days. 

Experian Responded the items were verified but refuses to respond with the written instruction I requested. 

On XX/XX/2021 I sent a no response on written instruction and made Experian aware that they have violated me as a consumer. 

Experian is withholding information in my consumer file and refuses to comply with the federal law. 

Experian doesnt have any permissible purposes to obtain any information in my consumer file, Experian is benefiting from my credit card, without authorization. That's causing XXXX to my reputation and XXXX to my family and living mode without explanation. 

Experian has yet to respond to the instruction that I Requested. 

Experian is reporting items that's inaccurate and it's obvious that this information is inconsistent, inaccurate and unverifiable. I've attached documents highlighted in yellow showing what's being furnished about my reputation is all different and as the original creditor this information is incorrect and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and natural person was denied credit by this financial institution when I applied for an loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Which is in violation of 15 U.S.C 1642 U.S.C 1681 and 12 crf 1001 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit ) on behalf of this financial institution. If the financial institution fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card, I will indeed make the financial institution criminally and civilly liable for all actual damages pursuant to 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} ) per violation.
Product: Checking or savings account

i recieved some deposit on my sofi about two years ago and SoFi bank put a restriction on my account, i have always been trying to contact them and all they say is they are on the investigation for about two years, i am in debt because if this money and my children see me a s failed mother, this is realy sad for me and i have been going through sad moments because of sofi
Product: Credit reporting

Incorrect information was entered on my credit file. XXXX is reporting payments that I do not owe. I was told by the doctor office that they have to get approval from my insurance company before he can perform the treatment. He told me once he get the approval from the insurance company his office will call me and schedule the appointment, I made my copayment and left the office, XXXX week later I receive a call from XXXX office saying my insurance approve the procedure, and that was it. Now two years later I receive a copy of my credit report with three charges from A-1 Collection Service in the amount of {$550.00}, {$660.00}, $ {$81.00}, which I have no knowledge of. I never receive a call from that office or anything saying I owe this payment. I am in the middle of purchasing a new home and now this has appear out of no where, years later, this is not fair. Please help.
Product: Debt collection

On XX/XX/XXXX I contacted Ability Recovery LLC in regards to a medical debt on my credit report. According to Ability Recovery I had an unpaid medical bill of {$100.00} which was the same amount that was reporting on my credit report. I spoke with a agent ( guy ) who told me that if I pay the debt now it can be deleted from my credit report. I agreed to pay the debt in return for a written letter stating that debt will be deleted once paid in full. The agent agreed to send the letter via email to XXXX stating that debt was paid in full for deletion. In XX/XX/XXXX I viewed my XXXX credit report and noticed that Ability Recovery LLC was still reporting the debt so I filed a dispute through XXXX but the results only revealed that the account was updated to paid in full but not deleted. I continued to call Ability Recovery LLC to request that they delete the debt from the credit bureaus and each time i called a rep will say they already sent it to be deleted but as of now it still shows on my credit report as a paid in full collection. Ive contacted XXXX to dispute multiple times and I even sent it the email that I received from Ability Recovery llc saying that debt was paid in full for deletion but they too refuse to delete it. I dont understand how a recorded and monitored conversation on XX/XX/XXXX is not being used in the manner that it was discussed on that call. I am left to seek legal counsel if this collection from Ability Recovery Llc is not deleted from my credit report as agreed upon on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of all accounts below has violated my federally protected customer rights to privacy and confidentially. Under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my rights. 15 U.S.C 1681 section 602 A. States I had the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 In alpha state, a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1861c. ( a ) ( 5 ) Section States : Also States consumer reporting agency may make any consumer Report containing any of the violation. Any other adverse itemsof information, other than records of conviction of crime which antedates The report By more than XXXX 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 calls to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I am writing to file a cplaimt against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired XXXX XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Vehicle loan or lease

After months of educating myself on finance, my rights as a consumer, I finally got the courage to go doXXXX XXXX XXXX XXXX XXXX XXXX because they had a Certified pre owned XXXX XXXX XXXX that I liked, i test drove the car, I told them they could go ahead and pull my credit report XXXX time, and after I told them that Dow payment was optional not required the sales man went to speak to his finance manager and told me that I was denied, even though I know thats illegal because I applied in good faith, and I have income to back up the loan, and I had planned on filing a XXXX with the indenture trustee of Mercedes Benz but they looked at me like I was crazy, and didnt want anything to do with me. I asked for the senior finance managers number and email, I ended up sending them a letter requesting for them to clarify what made them deny me and still I have not heard back from them. Not by mail, email or phone. 
These companies are committing fraud, and making it so challenging, when Im the one co signing for them to get the funds to pay for the vehicle.

18 USC 8- the U.S. is responsible for all debts. 
HJR 192 16 CFR 444.1 - Car dealers will call the bank and tell them that customer is co-signing for the promissory note that matures in XXXX that is worth $ $ $ Cosigner. A natural person who renders fr himself or herself liable for the obligation of another person without compensation. The term shall include any person whose signature is requested as a condition to granting credit to another person, or as a condition for forbearance on collection of another person 's obligation that is in default. The term shall not include a spouse whose signature is required on a credit obligation to perfect a security interest pursuant to State law. A person who does not receive goods, services, or money in return for a credit obligation does not receive compensation within the meaning of this definition. A person is a cosigner within the meaning of this definition whether or not he or she is designated as such on a credit obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tired of having to keep disputing inaccurate information after 40 days. A computer generated system response is not acceptable I have contacted creditors & bureaus trying to solve this issue. & Im not waiting no longer you keep letting these people go against the law. I see the problem is not going to be solve until I get a lawyer. 

XXXX  XXXX XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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 Account Number : XXXX Delete this account. 

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

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

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

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

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence.

Clerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing.

Inconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to correct inaccuracies on my credit report and their violations of the Fair Credit Reporting Act ( FCRA ). My personal information was compromised in a data breach, which has led to identity theft and unauthorized accounts being opened in my name. Despite my efforts to resolve these issues directly with Experian, they have not taken the necessary steps to correct my credit report. 

XXXX. Violation of FCRA Section 607 ( b ) : Experian has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. My report contains unauthorized accounts, incorrect names, and addresses that are not mine. These inaccuracies are a direct result of my information being compromised in a data breach. 

Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : I have disputed the inaccurate information with Experian, requesting that they verify the accuracy of the disputed items. However, Experian has failed to properly investigate or verify the accuracy of these items, and the incorrect information remains on my credit report.
Product: Debt collection

i noticed this debt got added to my credit file circa XX/XX/XXXX. Sequium Asset Solutions Failed to send me a notice that they were trying to collect a debt therefore they have violated my consumer rights. I have disputed this debt with all three credit bureaus as well as Sequium. Sequium did respond to my dispute with the bureaus with a questionable bill of service but was unable to provide any solid proof of this account being mine. I also sent Sequium notice via USPS certified mail circa XX/XX/2019 that they have violated my consumer rights by not sending an initial dunning letter giving me my rights to dispute the debt and they have ignored my request to remove this from my credit reports they also have ignored the letter i sent notifying them of their failure to comply by sending me an initial debt notice. I demand this be removed from my credit file otherwise i will seek legal council against Sequium Asset Solutions for their non compliance with the fair credit reporting act!
Product: Debt collection

Please review my report. I noticed the creditors are not cooperating with the request I need for the inaccurate accounts on my credit.
Product: Checking or savings account

I opened a checking account with XXXX on XX/XX/year> using the promo code XXXX. This promo promised to pay {$400.00} if I had XXXX direct deposit of {$500.00} or more and made XXXX debit card purchases within 90 days of opening my account. According to the terms and conditions, direct deposits are defined as, an electronic credit of your salary, Social Security, or other regular monthly income deposited into your new checking account by your employer or outside agency. 

I received a deposit from my employer of {$520.00} on XX/XX/year>. 

I also had XXXX qualifying debit card purchases by XX/XX/year>. 

XXXX is now denying my {$400.00} bonus because they claim the type of direct deposit did not meet their terms and conditions. But it is very clearly stated in the terms and conditions that I only needed to receive a deposit of {$500.00} from my employer. It did not specify that it had to be an XXXX deposit.
Product: Mortgage

My father died about 4 years ago this was his home and I lived here when he died me and my family moved here. and I got a loan modification which worked until my wife abandoned me and covid 19 killed my business. Midland Mortgage had a suspended payment plan. I signed up the put me on delayed payment very good I lose business have to pay other bills and divorce hurt my income so they take me off of the plan tell me to apply for a loan modification I do from the start to finish this company have not tried to help me its been miss filing info info repeated denial 's and many mistakes i have sent the same proof of income XXXX time so with the latest drama disapproved again the reason this time my income dost match but they never give me a chance to say i can afforded it just constant no and i have recovered some what enough to pay XXXX on my bill and XXXX a month they offer no help for the present situation that is caused by covid. midland mortgage engage in under handed tics to take homes. i have sent forms such as income verification one after another only to receive no offer I have even ask if i can make a large payment to get help they said no she don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my Equifax credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent Equifax dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.
Product: Debt collection

Credence Resource Management LLC has been hounding and pestering me for the past almost 2 years for balance owed to XXXX XXXX XXXX XXXX which is inaccurate. 

I'm an XXXX XXXX XXXX customer for the past XXXX years with ongoing services and fully paid monthly bills and XXXX balance.