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

I have a XXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXX XXXX to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX   Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you
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. 

Account name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXXXXXX XXXX  Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Social security # XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX Experian XXXX XXXX  XXXX XXXX, TX. XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

ACCOUNT ( XXXX XXXX XXXXXXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX  XXXX ACCT # XXXX ) XXXX XXXX XXXX  XXXX ACCT # XXXX ) XXXX XXXX XXXX  XXXX ACCT # XXXX ) XXXX XXXX XXXX XXXX  ( ACCT # XXXX ) XXXX XXXX XXXX ( ACCT # XXXX ) INCORRECT EMPLOYERS ( PLEASE REMOVE FROM CREDIT FILE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT REPORT
Product: Debt collection

Mariner finance XX/XX/2011 {$2000.00} I am a victim of identity theft account was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report with XXXX XXXX daily. I recently received a unsecured credit card from XXXX XXXX to build my credit. Today XX/XX/XXXX I checked my credit with Equifax and my credit score went down 19 points. I called Equifax to find out why and the representative could not tell me why. The inquiries I have on my credit report are inquires from last year and there were only 16 total. According to Equifax there have been recent inquiries I am unaware of and I would like to dispute the inquires with Equifax, she told me that she could not file a dispute and that I would have to contact a the lenders that made the inquires. I told her that I only had 16 inquires last year in XX/XX/XXXX not 34. Equifax is cooperating with this complaint. my credit score went from XXXX to XXXX because of this. Please contact Equifax and address this matter. XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. I have thoroughly reviewed my report and identified several inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were placed in error or without my consent. 

I am requesting an immediate investigation into these unauthorized inquiries and for them to be removed from my credit report as soon as possible. The credit reporting agencies involved in this matter are TransUnion, XXXX, and XXXX. 

I have attached a copy of my credit report with the disputed inquiries highlighted. Please assist me in resolving this issue promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Capitol one was paid for cash advance in full on XX/XX/2022, The money that was paid was dedicated for the cash advance payment of {$320.00}. 
The company allocated the payment to there benefit to extort additional payments, interest and late fees. 
This is a form of theft from elderly abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX .... Balance : XXXX ; XXXXXXXX XXXXXXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XX/XX/2021
Product: Payday loan

I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an EWS report. Otherwise, anyone paying for my reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for all accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed. 

Please verify the accounts or remove them immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any person a record of inquiries concerning a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is an identity theft case, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XX/XX/2022 - These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I recently noticed inquiries on my credit report that I did not authorize.
Product: Money transfer, virtual currency, or money service

{$400.00} on XX/XX/year> I noticed a fraudulent charge on my account through XXXX. 
When I called XXXX they told me to call J.P. morgan Chase, and when I called J.P. morgan Chase they told me that they couldnt do anything and to call XXXX. Neither party was willing to answer questions or help me get the money back.
Product: Credit card

Good Evening, I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX PLEASE DELETE THE FOLLOWING INACCURATE EMPLOYMENT INFORMATION : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing you to inform you that here appears to be a bankruptcy on my Equifax credit report. This item only appears on Equifax and not on XXXX or XXXX. 

I demand that you remove this item immediately. There is no evidence of validation other than a third party looking at public records. I have been to the XXXX XXXX County Clerk and he informed me that they DO NOT verify any public records with a third party. In fact this item was removed and then reappeared on my report. 

I am ready, willing and able to proceed with a lawsuit as well as participating in a class action suit against your company. You have 15 Days to remove this item or we will see each other in court. I am not playing games here as this is hurting my ability to gain employment. Therefore, everything and anything that I can do I will do in court. 

Look at the attached report. It clearly states that the item verified is N/A. So your company lies that items were verified and in fact you do nothing. My lawyer is going to pull all of the stops and
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Product: Credit card

I had a return to XXXX months ago that I never got a refund for. I called my bank to dispute the charge they denied saying I needed more documents I only had the return slip from UPS then I started being billed for XXXX XXXX I called both places with the customer care in XXXX its hard getting people that understand English well I think is what the error there was. With Navy Federal I was told that they can't dispute charges that monthly recurring it goes against their contracts with XXXX, XXXX etc. All I want a full refund for the return and all interest for the charges with XXXX which now they have given me a refund for XXXX that was billed the last few months
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion Consumer Agency on XX/XX/XXXX about some inaccurate reporting that had been reporting on my consumer report, One of the disputes were the fraudulent inquiries that had been reported on my consumer report, Every inquirer that is not tied to an account is not authorized by me and did not sign for ( XXXX XXXX, and XXXX ) and unlawful Late Payment Reporting Cornell Law states 15 USC 1681A ( 2 ) ( a ) ( i ) Transactions are not part of a Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, XXXX XXXX| Account XXXX XXXX | Date opened : XX/XX/XXXX, XXXX Late Payment Reported XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX  XXXX | Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and the last Dispute was about 2 Charged-Off alleged XXXX XXXXXXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) that are canceled debt and According to IRS, Debt that you owe that has been canceled, forgiven, or discharged becomes taxable income from the lender that forgave the debt and should receive a ( Cancelation of Debt form 1099C ) it is now gross income and Income is not part of anyone Consumer Report
Product: Debt collection

PRA continues debt collection on an old XXXX XXXX account they bought from XXXX Bank. XXXX bought the account from XXXX on XXXX/XXXX/14. According to my records this account is now beyond the statute of limitations in the State of Tennessee of six years. I have emailed and mailed request to PRA to have this debt taken out of collections status since they can no longer sue me over this. They have not responded to any of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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: Bank account or service

Today, XXXX XXXX, 2015, I went with my son to my local branch of US Bank to cash his federal tax refund check. My son does not have any bank accounts as he does not make enough money to justify opening any accounts. The bank would not cash the check without him having an account there because they said it could take up to seven years for the check to either clear or bounce. They said it would be the same at any bank and suggested a credit union might do it. I am outraged that any American bank could refuse to cash a federal check. As long as you have your identification with you, you should be able to cash a federal check. Now my son has to go to a liquor store or a check cashing service who will take part of that check just so he can get some of his money.
Product: Credit reporting or other personal consumer reports

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXX {$1400.00} XXXX {$740.00} XXXX XXXXXXXX {$1100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXX, XXXX XXXX XXXX, ( 1 ) XXXX XXXX Bank XXXX XXXX XXXX, and ( 2 ) XXXX XXXX Bank XXXX XXXX XXXX have all violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.
Product: Vehicle loan or lease

Im seeking assistance with a vehicle title issue that has persisted for over a year. My sister paid off a vehicle over 10 years ago and gifted it to me. She has the title and a letter from XXXXXXXX XXXX, but the original loan was through Fifth Third Bank. Unfortunately, both banks have been unhelpful, passing us back and forth without resolving the lien or providing information for the XXXX XXXX XXXX XXXX XXXX in XXXX SD. Even the Treasurer 's office attempted to call and resolve this which has also been fruitless. 

I reached out to the Attorney General 's office, but their efforts yielded little progress. This situation is urgent, as I want to transfer the vehicle to my son, who currently lacks reliable transportation for work. His inability to get to work has led to significant financial difficulties, including losing a job due to transportation issues. He would still be employed had they removed the lien once it was paid. this should not be my responsibility.

I am struggling to meet my legal obligations for licensing, titling, and taxes because of this ongoing battle. I have recorded conversations with customer care with both XXXXXXXX XXXX and Fifth and Third promising follow up and not delivering. XXXX even sent me to a site where they wanted me to pay {$45.00} for a title I already have. The treasurer 's office said that if Fifth and Third would just send me a letter stating that the loan was sold to XXXX we can proceed. XXXX is saying the Fifth and Third Bank needs to follow up with this not them.