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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of XXXX/XXXX/2017 on all three bureaus.
-Previous complaint XXXX about XXXX .
-Previous complaint XXXX about EXPERIAN .
-Previous complaint XXXX about XXXX XXXX XXXX .
They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows.
The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts.
Please help.
Product: Debt collection

XXXXr open up acount in my name with out my permission and put it on my credit record
Product: Debt collection

do not know why this is on my cr report, do not know this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax & CFPB, Name : XXXX XXXX XXXX XXXX : XX/XX/2001 SSN : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX I have attached a copy of my FTC report and drivers license. 

I would like the hard inquiries included in the FTC report removed from my credit report given they were not authorized by me and were fraudulent. 

I previously reported this through the CFPB but did not attach any documents or an FTC report and that report was closed. I am requesting this report NOT be marked as a duplicate report and automatically closed, but rather this report be fully investigated and these hard inquiries be removed from my credit report given I have removed this fraudulent activity to the Federal Trade Commission and this is a new report with actual documents. 

The other report ( s ) did not have any documents and were not properly filed, therefore, I am requesting the CFPB or EQUIFAX close this report and mark it as duplicate given under federal law I have a right to report fraudulent hard inquiries and given I have attached the proper documents for said inquiries that are currently on my credit report and included on the FTC report attached. 

Please mail me a copy of my updated credit file once these hard inquiries have been removed from my credit report. 

If needed I can be reached at XXXX or at ( XXXX ) XXXX - XXXX. 

Thank you. 

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

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one. 

Copies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months. 

The car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession. 

Two separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX  credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX  reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.

Emails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease. 

I have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it. 

XXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.

At no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail. 

The car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed my brother 's XXXX XXXX XXXX XXXX loan account under MyEquifax account. I have never applied for a loan nor have I applied for any line of credit. My brother 's XXXX XXXX XXXX loan account is dated for XX/XX/2020. It is a paid and closed account. The amount was {$3500.00} His loan account details need to be separated from. 
Equifax also has our information crossed. My brother and I have tried to get Equifax to resolve these issues, and we are having a hard time getting them to understand that we are two different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Student loan

I was on the XXXX repayment plan. On XX/XX/year>, I was out on administrative forbearance for this plan. At the time, my student loan balance was approximately XXXX dollars. I have been on administrative forbearance since then and was told by XXXX XXXX that during the time of forbearance I would not be charged XXXX on my loan. I received a letter yesterday from my servicer, Mohela. The letter mentioned that my interest on my loan had capitalized and they added XXXX to my loan amount. However, I did not have any event that would trigger loan capitalization ( i.e. switching to a different repayment plan, loan consolidation, etc. ). I believe that this interest capitalization was made in error as I should still be in administrative forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was charged off in XXXX. I checked my experian credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX - account number XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my recent complaint XXXX. Equifax failed to remove the following XXXX inquiries in XXXX business days pursuant to 15 USC 1681c-2.
Product: Credit card or prepaid card

Capital froze my account and requested verification. Ive sent ALL verification documents 3 tines but they refuse to unfreeze my account. I opened a case for this with the CFPB already but the case was closed with no change to my account. Previous case # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts that i put in template has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. To remove.
Product: Money transfer, virtual currency, or money service

I am trying to withdraw money from my account at AXOS BANK.to my XXXX I made a withdrawal of {$7000.00} on XX/XX/ it has been over 2 weeks. I have still yet to receive my transfer. 

On XX/XX/XXXX I contacted them. They said they will forward my request. 

XX/XX/XXXX. They said it will take 2 business days XX/XX/XXXX. I have roughly {$6000.00} more somehow in my AXOS account, seems fraudulent. That is not what I asked for. I want to move money out of there and get as far away from this bank as possible.
Product: Debt collection

Dear Caine & Weiner Co., I am writing to formally dispute the debt referenced in your communication dated [ XX/XX/year> ] and request validation of the debt in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I do not believe I owe the amount stated, and under 15 U.S.C. 1692g, I request that you provide verification of the debt. This verification must include : The amount of the debt.

The name of the creditor to whom the debt is owed.

A copy of the original contract or agreement under which the debt arose, or other proof that you are authorized to collect this debt on behalf of the creditor.

A detailed breakdown of the debt ( including principal, interest, and any fees ).

The original creditors contact information, including their name, address, and phone number.

Please note that under 15 U.S.C. 1692g ( b ), while you are investigating this dispute, you are prohibited from continuing any collection efforts or reporting the debt to credit reporting agencies until the validation request is resolved. 

If you do not provide the requested validation within 30 days from receipt of this letter, or if you continue to attempt to collect on this debt without verifying it, I will consider this matter to be closed and may report your failure to comply with the law to the appropriate authorities. 

Please send all relevant documents and information to the address listed above. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my XXXX  and transunion but it is inaccurate. I am looking for this misunderstanding to be removed from XXXX, transunion and any other credit agency showing this.
Product: Debt collection

I have been contacted by Vance Huffman on several occasions, each time they call I ask them to provide proof in writing that the debt they are trying to collect is mine. Each time I get we sent an email, I have checked my email accounts and I have never received an email. I asked them to send it to my address on file and they refused. They are currently reporting thus collection to my XXXX and XXXX credit reports and I havent received anything proving that this debt is mine.
Product: Mortgage

mr cooper and XXXX loan company keep continouldy voer charged me last 24 month total usd XXXX more total usd XXXX more. 

and suddenly they add additional charge to mortage payment and i am a position to pay whole amount together. 

i sent all updated renewal insurance. but they disregard my insurance and they entered their insurance for flood and property insurance and the cost looks alomst double charge than regular home insurance premium. 

please help me and stop this urgly mortage compay soon. 

thanks again my phone XXXX XXXX XXXX my XXXX mail XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the disputed account from my Credit file. Although I truly appreciate the removal of one of the disputed account from my Credit File, there is still an account that is still reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit reporting act section 605b, the Credit Reporting agencies are required to remove the disputed accounts and information that resulted due to Identity theft from my Credit File as soon as possible. Once again, I am submitting this CFPB Complaint requesting the removal of the account : 1. XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX Balance : {$0.00} from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a business that I was disputing to change the address on my credit report. I found this out because I requested a copy of the dispute and they said I had to send in two forms of ID through the mail. I refuse to do this because it is their XXXX up and they broke the law by allowing someone else besides me to validate and/or change my address. They also allowed this company to validate a fraudulent account that even if by some strange coincidence they were able to legally validate a fraudulent account it was still a breach of contract because I never agreed with the parent company to sell my personal information to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/XXXX/2022
Product: Credit card or prepaid card

I am writing this letter in response to a dispute raised by me for a fraud transaction with issue control number # XXXX  with the amount of {$920.00}. This transaction occurred on XX/XX/XXXX. I realized that this transaction was fraud as soon as I got a notification on my iOS device about the amount charged from the wallet app. I quickly reported this issue to XXXX XXXX who is the merchant for this transaction. As a result, they created a case ID ( XXXXX ) for this dispute. I immediately made sure to change my account password so the fraudster would not be able to perform more transactions. I also raised this dispute with Apple Card ( Goldman Sachs ) so that I will not be liable for the amount that I did not authorize. Unfortunately, the dispute was not resolved in my favor most likely because of lack of sufficient evidence. During the last dispute which was resolved against my favor, I received the chargeback dispute letter by the merchant incorrectly showing that I authorized this transaction. On the same letter, under complementary transaction information section, it is listed that I used an Android device with a device number XXXX for this transaction. Please take note of the fact that, this dispute was raised on an Apple Credit Card for which requires an iOS device. I do not own or operate any Android device since the year XXXX and the fact that I use an iOS device can be confirmed through Apple. 
I believe the fraudster used an Android device to gain access to my XXXX XXXX account through the password which was compromised through other data breaches. Since XXXX XXXX does not require a two-factor authentication and my credit card details were saved and store on my account by XXXX XXXX , the fraudster was able to successfully process the transaction without my authorization. The fraudster made multiple attempts to use my saved card details but the transaction was rejected every time except this one. XXXX XXXX as a money exchange service failed to notify me about the suspicious transactions.hese transfer details documents, please focus your attention on the delivery method section ; even though my name appears under receivers, the account listed under delivery method varies on each attempted transactions and does not belong to me. Also, I am attaching another transfer details which I have authorized in the past with MTCN tracking number - XXXX XXXX XXXX, please refer to the delivery method section which mentions the bank and account details which really belong to me. 
Since XXXX XXXX is a currency transfer/exchange agency and I have been in the business with them since a few years, I request that the merchant provides the bank account details of the receiving account and see if the details match with my name and identity. 
I kindly request you to look into this issue and my supporting documents since I am firm that this transaction was not authorized by me which may potentially affect my credit score for none of my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, sent and dispute letter containing several inquiries that were requested from a third party without my permission after car shopping. It has been over 60 days and I've yet to have received a response from Transunion regarding my dispute. Since these inquiries were ran without my permission or prior consent then they should be removed from my credit report expeditiously in addition to Transunion not responding to my dispute within 30 days in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting Act, These Accounts have 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 an account without my written instructions 15 U.S.C 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