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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card

I believe the account is invalid. STATE EMPLOYEES CREDIT UNION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records. STATECU XXXX, STATECU XXXX and STATECU XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : and XXXX XXXX XXXX Account has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I paid my XX/XX/year> payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/year>. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!
Product: Checking or savings account

On numerous occasions we had either checked the account and said there was sufficient funds but we walked out the store and suddenly our account was over drafted. Due to the same situation with XXXX XXXX, we have been hit with up to XXXX return check fees due to XXXX XXXX  not showing the money was there. I also want both XXXX XXXX  credit cards paid off and I want {$18000.00} paid in cash due to the numerous times they stole {$700.00} PLUS from my paychecks ON TOP of the regular payment to cover fees.
Product: Credit card or prepaid card

I took over my mothers account at her death in XX/XX/XXXX. I paid her bills and contacted companies to close accounts. I contact Amex XX/XX/XXXX and closed all accounts. I got billed again in XXXX. I contacted Amex to let them know the account was closed and all attempts were made to inform companies that the account holder was dead. I spoke with two managers at Amex on XX/XX/XXXX that stated that Amex only closed the current account and not my mothers account. I received a letter from Amex XX/XX/XXXX that all accounts were closed. The call on XX/XX/XXXX stated that no additional charges would be processed on any accounts in my name or my mothers name. I paid the outstanding bill in full at that time to end the process. 
I continued to receive bills. I disputed them in XXXX. I called to check on the dispute on XX/XX/XXXX and was told it was not completed. I resubmitted the dispute. I was told XXXX business days. 
I called back again when I received yet another bill on XX/XX/XXXX and was told by XXXX XXXX # XXXX ) that the accounts were not completely closed. He disputed the charges again and I was told it would be another XXXX business days. I called today after receiving yet another bill. I was told it would be until end of XXXX until I could get a resolution to an account I closed in XXXX from my mothers death in XXXX. 
I sent them a death certificate ( XX/XX/XXXX ) for XXXX XXXX in XXXX. All contracts my mother had ended at her death. I contacted all creditors and her will was fully probated through the XXXX XXXX XXXX system in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank Ally that holds the lease on my vehicle agreed to remove the late payments that happened while I was XXXX XXXX XXXX 
They did remove the late payments but shortly after they put the late payments back on, as soon as I was able I payed the payments in full and have been current ever since.
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to inform you of my status as a victim of identity theft. I am raising concerns regarding particular entries in my document that have arisen as a result of this criminal act. These entries pertain to transactions for which I neither initiated nor authorized any exchanges involving goods, services, or funds. If indifference prevails, kindly expunge any significant information from my credit record that stems from the purported fraud or deceit. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX Hospital, the file is again reopened for a XXXX time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
Product: Debt collection

I have recently been informed that there is negative information reported by Portfolio Recovery. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$780.00}. This account was removed previously from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) I I challenge the accuracy, compliance and reportability of this listing. Portfolio Recovery has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

There were disputes previously made not credited : XXXX XXXX {$25.00}. XXXX XXXX XXXX {$35.00}. XXXX XXXX {$150.00} XXXX {$23.00} and XXXX 's XXXX {$26.00} totaling {$250.00}
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission and i also enclosed copies of the Federal Trades Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I have all my bank statements indicating I made payments faithfully for over 3 years. This is not reflecting in this new collection agency 's report and their tactics of calling me all hours of the day are disturbing and harrasing.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 


1. [ XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. [ XXXX XXXX XXXX & XXXXXXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 7. [ XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 8. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 9. [ XXXX XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 10. [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 11. [ XXXX XXXX XXXX XXXX : XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 12. [ XXXX  & XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 13. [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to XXXX, TransUnion, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a secured installment loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Student loan

The account is ten years plus and has been continuously being reported to the credit bureu I am not working and am a single parent of XXXX young children is there anyway the payment can be written off or taken off of my credit. It is preventing me from providing for my children!
Product: Mortgage

Hi All, My Name is XXXX XXXX. 
Mortgage Company : - NJ Lenders Corp XXXX XXXX XXXX XXXX XXXX I am planning to buy the new home in XXXX XXXX XXXX 
I had the contract with seller and initially closing date was mid XXXX. ( Now is changed to XXXX XXXX or before that ). 

I started to search Mortgage company for Home loan and and find NJ Lenders as Mortgage for same in XXXX and XX/XX/2022. 

As closing was in XXXX so we discussed in XXXX and locked the interest for 3.875, agent confirmed on email and after few days he changed his words and changed interest rate to 4.25, still I was ok and signed the documents.

On paper interest rate 4.25 expiration date was XXXX XXXX Then we email NJ Lenders loan officer and informed our closing is in XXXX, may be this date will be a problem. 

Then on email he confirmed that we will get 30 days extension on top of the XXXX XXXX, means ideally we should get XXXX XXXX as extension for 4.25 interest rate. 

Then after few days we discussed with buyer and confirmed closing date as XXXX XXXX to load officer and he confirmed lock is extended in email, and we requested him to update same on documents, in email he mentioned its not needed., We trusted on them. 

After 2 days only we called NJ Lenders and told them we are ready to close on XXXX XXXX so we can able to get extension lock time frame, then officer on call suggested we can close on XXXX XXXX and we will get same interest rate. 

Then for 2 weeks I was trying to follow up with them on under writing and all process, they only said its in progress and today on XXXX XXXX they send new documents with new interest rate as 5.125, this is totally cheating, we trusted on them and not did any other loan shopping. 

Now we sent email to them and they said if close before XXXX XXXX then only we will get 4.25 interest rate. But as per last signed documents and email communication from NJ lenders 4.25 its extended still XXXX XXXX ( in email he confirmed lock is extended ). 

We need government help to resolve this problem. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for XXXX, EXPERIAN AND XXXX since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX A CONSUMER HAS ASKED THE 3 MAJOR CREDICT REPORTING AGENCIES TO UPDATE AND CORRECT THE INACCURATE, INCOMPLETE, AND INCORRECT INFORMATION SHOWING ON MY CREDICT REPORTS. I HAVE SENT LETTERS ON SEVERAL DATES XXXX. XXXX XXXX AND EXPERIAN HAVE COMPLETELY DISOBEYED FCRA THEY HAVE NOT REMOVED PERSONAL INFORMATION THAT NEEDS TO BE REMOVED IMMEDIATELY. XXXX, XXXX, AND EXPERIAN HAVE NOT MARKED ACCOUNTS AS DISPUTED. SO, IM REQUESTING THAT THEY DELETE ALL THE FOLLOWING ACCOUNTS AND INQUIRIES FROM MY CREDICT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim, and I am filing this complaint because of the false information I discovered in my reports. The following things are not associated with me, and neither have I authorized them or received any money, products, or services as a result of identity theft. The Fair Credit Reporting Act, 15 USC Section 1681i, has not been followed by the XXXX, XXXX, and Equifax Credit Bureaus, therefore it is illegal to continue publishing unverified information within the legal time frame without any supporting documentation. I'm asking the credit reporting companies to entirely delete the bogus accounts and information from my credit file in line with Fair Credit Reporting Act section XXXX. The items that are reflecting on my credit reports 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 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 Additionally, I'm going to ask the credit bureaus to send me copies of any documents with my signature on them that serve as confirmation that the disputed things belong to me. The prompt removal of the disputed items will be greatly appreciated if the Credit Bureaus discover a not-signed agreement. 
that my credit reports are containing :
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ). 
Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX, Equifax Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : Equifax : Reports a 30-day late payment in XX/XX/year>. 
XXXX and XXXX : Report a 30-day late payment in XX/XX/year>. 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( Equifax ) and " Closed '' ( XXXX ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX XXXX XXXX XXXX is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher. 
15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date. 
Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment. 
Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late. 
Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence. 
If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA. 
Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX