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

I had a credit account with this company in XXXX. It was discharged XXXX XXXX XXXX XXXX This was originally documented as such by the creditor. I asked, through the credit bureaus, to see if I could get it removed early because it was scheduled to fall off of my account in XXXX, and they changed the account status from " Discharged in Bankruptcy '' to " Charged Off ''. I've disputed with them, and sent them copies of my discharge letter and the list of included companies, and they will not change it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX They have all violated my rights.

15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an Account " Without my written instructions '' 15 USC 1666B : A creditor may NOT treat a payment on a Credit Card Account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Re : Request for Removal of Hard Inquiries Dear Sir/Madam, I am writing to formally request the removal of certain hard inquiries from my credit report. I have reviewed my credit file and noticed the following inquiries that I believe should not be on my report : * XXXX XXXX XXXX  XX/XX/XXXX * XXXX  XXXX XXXX  XX/XX/XXXX * XXXX  XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX  XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX  XX/XX/XXXX I am requesting that these inquiries be removed because : 1. I did not authorize the inquiry.

2. The inquiry was made in error.

3. The inquiry was made under circumstances that do not meet the conditions for a hard inquiry under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to request the removal of any unauthorized or inaccurate inquiries from their credit reports. I believe these inquiries were either unauthorized or made in error, and I ask that they be promptly removed from my credit file. 

Please review the details of the inquiries listed and remove them from my credit report. I would appreciate it if you could send me written confirmation once this issue has been resolved. 

Thank you for your prompt attention to this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XX/XX/XXXX To Whom It May Concern : This letter is in response to your recent claim that the following has verified that the account they are reporting under my name is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested , to be provided within fifteen ( 15 ) days of the completion of your re-investigation . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. I will attach all the certify letter sent to the creditor. Thank you
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, consumer, am not liable for the alleged debt to XXXX XXXXXXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY. they did not provide me with the original contract as requested nor did they provide me with my rights and how to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate.

I am putting you on notice that all Late payments being furnished on my consumer report is illegal.

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( Transunion ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}
Product: Credit reporting or other personal consumer reports

i am a victim of the recent, data breach please remove and block these accounts due to the recent data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of all charge off 's, collections and public information removed from my report. This is a violation of 15 UCS 1681 ( a ) 4 and my right to privacy.

Thank you.
Product: Mortgage

We have sold our primary residence moved across the country, and are now in the process of trying to buy another home, but we have an incorrect reporting of 90 days in default on a mortgage made by Citi Mortgage. Citi Mortgage is reporting we were 90 days in default on a mortgage we had already paid in its entirety. We were paying off a mortgage a few months early on our second home, a property we now own out right. 

We mailed a check for {$16000.00} on XX/XX/2017 to pay off the mortgage. We received a letter from them on XX/XX/2017 saying we were paid in full as long as the funds weren't returned. In XX/XX/XXXX the said they the check was returned, we contacted Citibank N.A., whom assured us Citi Mortgage has the funds and on XX/XX/2017 sent us a copy of the cleared check. We sent this Citibank N.A. cleared check copy to Citi Mortgage, followed up with a call and they said they had our funds and they were being used to close the account. 

On XX/XX/2017 Citi Mortgage sent us a letter stating our account was in default. I called and got no where, they only wanted me to make loan payments. Fortunately they also sent a letter saying if we were a service member we could get some assistance, so we called and the service member assistance person got on the phone call with us, and that made all the difference in the world. Citi Mortgage said that they had our funds, and have had received them XX/XX/XXXX. 

Also after that XX/XX/XXXX letter we started receiving daily phone calls threatening us with ruining our credit if we didn't pay on that loan. They would transfer our phone call, Someone from Mortgage would say they knew the loan was paid off and they would correct it. In the end they apologized, stopped the threatening phone calls and assured us there would be no reporting of late payments or loan defaults because they had our payoff funds the whole time. 

On XX/XX/2017 almost a year after they first acknowledged they had received a loan payoff, they sent us a check refunding late fees they had assessed for late payments, with an apology for their error.
Product: Debt collection

Recorded voice demanding I contact them without stating what this is in regard to. If I do n't contact them immediately they will contact my HR dept. ( retired fo r 15 years ). They c all and their number displays from different area codes ( they are using ip based calling )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Account XXXX XXXX and Account XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I have no affiliation with. I didnt apply for credit for these accounts. 

XXXX XXXX bank XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These unwarranted inquiries are having a negative impact on my score. I dont have any accounts with these companies.
Product: Credit card or prepaid card

On XX/XX/2020 I paid off my credit card with Bank of American in the amount of {$19000.00}. On XX/XX/2020 I noticed that they had taken the payment out of my bank account twice. I immediately called them. I was told that it would take 2 - 5 days to get the funds returned to my account. I waited until yesterday XX/XX/2020 to call them back to find out why the funds haven't been returned to my bank account. The woman I spoke to said that it would be back in my account yesterday or today. The money hasn't been returned as of today XX/XX/2020. I called again today and now they are telling me it will be XX/XX/2020 when I will get my funds back. This is wrong! They literally stole {$19000.00} from me and won't give it back. I would like them to pay me back the interest they would have charged me had I owed them that money.
Product: Money transfer, virtual currency, or money service

My phone was stolen/lost XXXX XXXX, 2021. I contacted XXXX the next day to report it stolen. By the time I was able to get a new phone activated I noticed money had been transferred out of my account through XXXX. I was able to stop two pending transaction but {$3800.00} had already been taken out of my account. I was able to see the names and phone numbers of the people who the money was transferred to. I was also able to track my phone for a short time. 
I filed a complaint with Well-Fargo XXXX XXXX and also filed a police report. I received a letter back say they had closed the complaint saying " transaction were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred ''. 
I called again and was told I had to fax more information. I faxed multiple documents XX/XX/XXXX to the fax number provided. I did not hear anything. XX/XX/XXXX I called again and was told they have no record of my fax even though I had confirmation this was sent. 
XXXX! XXXX I went to Wells-Fargo and they faxed it again. 
This is going on 5 weeks, my account has less than {$1000.00} I need to pay my rent buy food, this is unacceptable. My money should of been returned immediately and I feel I am just getting the run around from Wells-Fargo .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I sent an email to XXXX disputing debts in letters from XXXX XXXX XXXX dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying XXXX XXXX XXXX was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from XXXX XXXX XXXX in an attempt to verify the debts.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of XXXX. Unfortunately Santander was the financing company at that time due to the pandemic and credit issues that the dealership used to finance the other half of my car I didnt pay up front. The interest rate I was given at the end not thinking it would EVER be so high was 24.9 % which was criminal! Within 5 months of obtaining this loan I was hospitalized with XXXX for a long time and tried communicating with them eventually reaching the CEO through XXXX and explaining my situation. I wasnt given any relief and the late fees stacked up. I was released from the hospital to find out my car had mechanical issues that cost half of what I owed on the car and the extended warranty I purchased was cancelled with no explanation. The repairs and payments due to insane late fees and interest rate were impossible to pay but I continued to try. Santander placed a {$0.00} XXXX XXXX payment late history and charge off as bad debt due to natural disaster on my credit report. However, they still have a lien on the title leaving me with a XXXX XXXX XXXX Im unable to sell or trade or even fix and huge loss of equity
Product: Credit reporting or other personal consumer reports

I Would Like To Add My Address To The Credit Report.
Product: Debt collection

The law firm Smith Debnam, which represents XXXX XXXX XXXX, has made many attempts and threats to collect on a car repo loan. 
I had to let the car go back due to health and XXXX concerns. And also during this time my wife was undergoing XXXX XXXX. Which she pass in XXXX, XXXX. This placed a huge financial strain on me, my wife and my entire family. I am XXXX  years on, i have been served by the sheriff 's Department of XXXX XXXX, XXXX After talking with the Sheriff 's Dept . i have been paying {$60.00} a month thru the clerk of court for this loan. I wish the firm would stop harnessing me, my so source of income is my social security check, and a small pension from my deceased wife 's company of about {$60.00} dollars a month, which i give to the sheriff 's department. Is there any help you can provide for me too stop this company from harnessing me with these constant letter. 

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

XX/XX/2016, {$4700.00}. This account was a paid account and is reporting charged off when in fact that it shouldn't be. It was a paid in full account. I requested it be corrected and haven't received a response.