23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
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. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite this attempt to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Through my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I wany you to help me to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items 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
Product: Debt collection

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureaus and CFPB ], I am writing to formally dispute several discrepancies found in my credit reports from Experian, regarding account number XXXX. The inaccuracies present in my credit report significantly affect my creditworthiness and financial stability. 

**Discrepancies Identified : ** XXXX. **Duplicate Reporting** : The account appears to be reported multiple times across different bureaus, which could mislead potential creditors about my credit history. 

XXXX. **Inconsistent Reporting Dates** : - The " Last Reported '' date ( XX/XX/2024 ) and " Date Last Active '' ( XX/XX/2024 ) show conflicting information, leading to confusion. 

XXXX. **Confusing Payment History** : - The payment history appears cluttered and unclear, with repetitive entries that fail to present a straightforward overview of my payment behavior. 

XXXX. **Incorrect High Credit and Credit Limit** XXXX - There are inconsistencies in the reported " High Credit '' and " Credit Limit, '' which can misrepresent my credit utilization. 

XXXX. **Missing Information** : - The report lacks clarity regarding past due amounts and payment status, which are essential for understanding the account 's status. 

These discrepancies not only misrepresent my credit history but also undermine my ability to secure necessary credit. I have made several attempts to resolve these issues directly with the credit bureaus, yet I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these inaccuracies and provide me with a written response detailing the findings. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX XXXX Account Name : XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Money transfer, virtual currency, or money service

I was using PayPal to pay for a pair a sneakers the company told me after I paid that because I noted the type of shoe I was using the money for, they told me they needed to refund my money I have made a claim with PayPal I have called PayPal and I have emailed the company PayPal has still done nothing but put my claim under review and the company is saying they cant send my refund because PayPal hadnt allowed them to send refunds yet. I have all the emails and text messages between myself and the company and it all seems like they are selling shoes but just getting the money and now they are just holding my money and not refunding it to me.
Product: Credit card or prepaid card

Sears Master Card has been sending me offers since last few months. In XX/XX/2019 got several offers via email links to use the card for special promotions in sears for 24 months and outside sears for 12 months. Since the items I wanted was not in Sears I purchased from another store after activating my offer via the email link. Since I wanted to buy more I called the Sears Customer service on XX/XX/XXXX XXXX XXXX EST and the customer service agreed that I qualified for the 2 purchases ( {$4600.00} and {$1500.00} ) I made on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I paid {$500.00} thinking I got 12 months 0 % promotional APR. Today I got the XXXX statement which shows 14.3 % interest charged on {$4600.00} purchase but qualified 12 months only for the {$1500.00}. But another misleading action from Sears Customer service was they sent me a letter dated XX/XX/2019 saying that {$1500.00} does not qualify. But the statement showed {$1500.00} qualified and they applied the offer. For big amount they intentionally didn't apply and charged high interest, even after spending hours talking to the customer service and his manager. It sounded like they are determined to steal money by misleading offers. I paid the entire amount {$4600.00} and asked them to reverse the interest you charged by misleading me. They refused to refund my interest even after paying the whole amount. Please stop this fraud by Sears Mastercard and get my interest refunded for the {$4600.00}. The letter below shows their computer system prevented another fraud by applying offer for another purchase for which they send the rejection letter. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXt XXXX Unverified Account
Product: Debt collection

This account was just reported on my credit profile as a credit card belonging to me and caused my score to drop by XXXX points. I have NO knowledge of this account nor was I notified first of the debt before being place on credit profile. Please remove ASAP as is hurting my credit now. I have also reported this to the credit bureau, but haven't heard back. Please provide proof that this debt is owed by me and that you are the original creditor baring my signature. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Product: Mortgage

My old loan company CashCall Mortgage sold my loan to another mortgage company XXXX XXXX XXXX. In the process my payment for the month of XXXX was lost. I paid my old loan company CashCall on XX/XX/XXXX for the month of XXXX And that payment was not received by the new loan company. Ive been back and forth with the old and new loan company and both have said something different and Im being penalized for the month of XXXX because they took my XXXX payment and charged it for XXXX. Its been almost two months since the transfer and that payment is no where to be seen.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXXXXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX.also, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXXXXXX XXXX, the place a hold on my account stating XXXX  has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

Trying to open a chime account. Company states that there is no credit check. I went through all the steps so they collected my data including my social security number. Upon trying to log in they deny my requests.
Product: Debt collection

There is a pending lawsuit against me for a debt owed to a XXXX credit union. Bonneville purchased the debt from the XXXX XXXX  and filed a lawsuit to force me to pay. 

They have included Court and Attorney costs that I did not know I have to pay and forcing me to consider bankruptcy. 

XXXX XXXX XXXX had me sign paperwork without explaining to me verbally that I will pay for attorney fees if I default
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint last year. This is the 6th complaint regarding the same issue. The Division of child support keeps closing then reopening my case when its been closed for several years. The statue of limitations has passed since the account has been reported to be opened since 2001. Equifax has remreapoved and deleted it 4 times, yret it keeps reappearing with inaccurate information that seems to change each time I dispute it. It was removed and deleted in XXXX of this year. I filed another dispute this week since it reappeared back on my report. The number that's listed for me to call is not listed.I called a 1800 number that's a call center, so now I'm filing a complaint since this is transpiring too often. I tried uploading documents through Equifax it would not allow it as well
Product: Debt collection

DEAR BANK OF AMERICA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

I was the power of attorney for my mother. Since her passing, Ive been trying to become successor in interest. My brother and my sister and I were heirs to the property in question. My brother and sister declined to be financially attached to the property. And I elected to the successor in interest. Since I submitted my mothers death certificate back in XXXX, I have been railroaded by the mortgage lender, and very disrespected. All the while all Ive wanted to do is clarify who I was, and turn in the documents needed in a timely manner, so then I could assume the notes and find a way to Budget the financial obligation I had. When I kept getting documents sent to my home stating I was not verified because my identification was not legible? I found it very odd and so I kept submitting it over and over and over countless times I believe it was at least 10 times if not more over the course is it Five years weve been living in the home. What I found very odd also was that I went to XXXX XXXX County clerks office to record the affidavit of airship. They asked for my identification, which is clear to me that I wouldve been identified in all aspects of pertaining to the mortgage. Also, since I was power of attorney for my mother the mortgage lender had every knowledge ofI who I was because I showed my ID to become a power of attorney and it is on record, and I have document to prove that as well. No, it is true. My husband and I both became sick. My husband had XXXX I have a XXXX. My husband also suffered a XXXX XXXX and could not work, hes in XXXX and works very hard and its very hard for us to get from one day to the next. It seems some times and were not young anymore. But we want to fulfill our obligation as homeowners and we want to work with the company but I dont see how they can tell me that they can not read my identification or find away promptly, and it just state that in the logbooks that they must identify me as a successor in interest, and give me that afforded me that up of opportunity. And another thing whenever the documents were in their eyes verified they said I was too late that the sale had already started and they had sold my home. However, I received a letter stating that they still needed on my document and that I had 90 days from XX/XX/3020, XXXX XXXX business days to respond and get it in which I did. But all in all the home have been sold underneath me even though the very next day XX/XX/XXXX, I spoke to a representative from the company and they assured me that it did not sell and that they were taking the home off of foreclosure list. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.