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

Subject : Formal Complaint Regarding Unresolved Credit Report Disputes Dear CFPB Representative, I am writing to request your assistance regarding unresolved credit report disputes that I have been experiencing with all three major credit bureaus : XXXX, XXXX, and TransUnion. 

Beginning in XX/XX/XXXX, I initiated my first round of disputes concerning inaccuracies on my credit reports. Since then, I have undertaken six rounds of disputes, with the latest submission made in XX/XX/XXXX. Despite my repeated efforts, none of my disputes have been properly processed or resolved. Instead, I have continually received what appear to be stall letters from each bureau, failing to address the specific inaccuracies I have reported. 

I am enclosing copies of all correspondence and documents I have sent and received throughout this process, including a notarized letter that outlines each dispute and the supporting evidence provided. I believe these documents demonstrate a clear pattern of non-compliance by the credit bureaus in adhering to the Fair Credit Reporting Act ( FCRA ) guidelines. 

I respectfully request that the CFPB intervene to ensure that the credit bureaus conduct a thorough investigation into my disputes and provide a comprehensive response, as required by law. This matter has caused significant frustration and inconvenience, and I am seeking a resolution that corrects the inaccuracies on my credit reports. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my disputes are addressed appropriately. 

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

I would I was going over my credit report and I just now noticed that they are maliciously putting a previously a lot of inquiries on my credit file that I did not authorize and approve these are these type of things that I've been talking about after numerous times of reporting to you guys that they're doing Equifax and loan has over XXXX inquiries on my file that's right now that I can count right now on on one Equifax thing they have more than XXXX dates that they have hard inquiry on my credit file and I do not know I know some of these dates are on the same exact date so I did not request my credit card to be hardinkery XXXX times in XXXX day pretty much a lot of the inquiries on my file like XXXX XXXX XXXX XXXX XXXX XXXX has more than XXXX inquiries on under hard increase under my credit file and I know I will not ask for them to do a heart inquiry on my file if I got denied XXXX or XXXX or XXXX times why would I keep asking them to run credit check that makes no sense I am providing documents showing that Equifax is abusing the the power by continuously putting heart increase on my file since they can not report any anything else accurately so they produce it to be going to my side because it takes longer and it's harder to get off of inquiry than anything else you have to actually submit each document for each one of these credit increase so they like to stack them up I should not have to spend my time or my hard earn money to go under here and go each one by one and try to dispute each one of these when they know and they're internally putting these on our files 85 % of these increases on these trial have been for business-related inquiries in the first place so they should be placed on my business credit not my personal credit I am an XXXX XXXX XXXX is also another one they have more than XXXX XXXX XXXX more than XXXX inquiries under my inquiries that I apply for a hard credit check that I do not apply for it and why do we have to dispute this. I don't know my next step but this is discrimination cuz I don't know why they would sit there and pinpoint me out of everybody that goes through there and sit here it's been one thing after another with these guys they I call and tried to get the disputed they hang up in my face and send me to answering service the next time I call in so why are they allowed to do this please advise me to the next steps I need to take to get this resurrected or get this fixed so they don't happen again I have been denied a lot of credit or loans or stuff due to the fact that they are discriminating against me and all my skin XXXX or whatever it is I have also provided a documentation the experience is doing the exact same thing I'm sure XXXX is too XXXX and provide outlet soft increase I know they don't affect your credit but if they don't take my credit I'm on them off of there if I did not approve them and I went in to provide documentation showing that they follow the law when they put them on there
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate reporting of the account XXXX XXXX XXXX XXXXXXXX on my credit report. This account is currently listed as CollectionOrChargeOff, with an opening date of XXXX, a last activity date of XXXX and was last verified on XXXX This inaccurate information is obstructing my ability to secure necessary financing and favorable loan conditions. As outlined in 15 U.S.C. 1681c ( a ), it is imperative that credit reporting agencies maintain accurate and timely information on consumers. I request that you provide all supporting documentation used to verify this accounts accuracy, along with proof of the alleged {$2500.00}, which I dispute. The legal precedent set by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) emphasized the need for a detailed investigation into disputed items. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) clarified that agencies can not merely rely on creditor-provided information without conducting their own verificationIt shows dates XXXX and XXXX. This error is affecting my financing opportunities. Under 15 U.S.C. 1681s-2, you are required to provide accurate information. I request the deletion of this account and proof of the $ XXXX.The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with EMVLP LLC formally known State farm. I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; XXXX 5. Credit Report ; Equifax
Product: Debt collection

To started with, I had mobile phone billing problem with XXXX. First XXXX XXXX was collecting {$280.00} from me. I did not pay, because I did not agree with the amount and they did not answer my simple questions upon my request. Thereafter, XXXX XXXX XXXX XXXX   came to collect {$440.00} from me instead. Once again, I did not pay because they also failed to answer my questions. At last, AmSher sent me a collection letter on XX/XX/2018 to offer a new collecting amount of {$260.00}. I did not pay it but I have one question about the continuation of this collection, whether it was continue from XXXX XXXX  or from XXXX XXXX XXXX XXXX, who's collections were completely different from each other. AmSher did not bother to answer my question, and report the alleged debt of {$440.00} to the Credit Bureau to damage my credit score.
Product: Debt collection

I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

5 months ago I realized I am being victim of Identity Theft caused by the Cyber hackers. One of fraudulent account is CBNA/ BestBuy account which was opened and being activated in period time XXXX with current status Charge-off. Following the instructions of the solving process, I filed complains as victim of Identity Theft with FTC report, Police Report, Victim ' Complain and Affidavit with Police Sheriff Dept, FBI IC3 complain, as well as with all financial institutes that have bank cards involved. In dispute I declared the accounts resulted from Identity Theft and enclosed all documents as evidence. However, I ve still been struggling with CBNA for back and forth disputing of an account without solution. They insisted the fraudulent account opened under my name and I am the one who is benefit from card services. CBNA never properly responded or showed me the legit investigate process to have their conclusion in correspondence though I requested CBNA validating all verifiable terms in dispute letters to prove whether the account is mine or to show how the cards was used. They only sent me the original application and 6 months bill statements. The application is showing a fake signature of applicant which is not even close or similar to mine. The statements showed the bills was being paid automatically by a bank that I never had or associated with. They disclosed that the bank account located in XXXX IL was used to setup an autopay in account profile for paying bills. I followed up and requested that they should have provide me a scanning picture or snapshot copies showing off account owner name, routing and account numbers as of supporting their statement, but they never done so. They always came back with frivolous responses every time without providing hard copies evidence. In the past 5 months I sent out 5 dispute letter to CBNA fraud Department for disputes. The final answer are all the same conclusion : " I was the who benefit from card services '' without explaining how they did with investigatioprocess. I decided to go forward with CFPB complain and probably a lawsuit with General Attorney office for their lacks of cooperation in this matter.
Product: Payday loan, title loan, or personal loan

This company advised me that I am not enough of a United States citizen to lend to. I am currently living in the continental states and because I have a Puerto Rico drivers license I was denied the loan.
Product: Debt collection

In  XXXX   XXXX  I gave verbal notice that I  would need to move to a smaller apartment, I was approved for a 1bedroom and I was living in a two be droom. In  XXXX  I gave written notice that I would be moving at the end of my current lease (  XXXX / XXXX / XXXX  ). On  XXXX   XXXX , I received a  24hr notice  on my door. I moved out, leaving the apartment clean and empty. Because the office was closed, I returned the keys in the mail drop, the office staff was in  XXXX   XXXX . I was having financial trouble and was behind on my rent. I was able to pay all but  XXXX  before I left. My deposits of  XXXX  were returned to account.   After I left I received a bill stating that I was still on a lease that had 8 months to go and that there were other charges as well including lawyer fees. I proved the lease was up and that I had notified them in writing properly before leaving. The 8 months were removed but the other fees remained. I have the lease and the customer accounting sheet showing payments and charges.   The original company was sold for bad management and all staff fired but the collection company refuses to correct it. I have been trying to get this removed since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

Hard inquires XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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.

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, I called the XXXX at XXXX. I explained to them my situation. I lived with my grandma there a few years back. I moved out first and then my grandma moved out at a later time. When she moved, she owed back rent. I don't even remember signing any lease papers or anything. I called to ask about the amount that is on my credit report and I was asking how it can get paid and whether it can be a decreased amount. The representative I spoke to said its with a collection agency. Well, I received a letter from the collection agency saying that " the debt hasn't been with them since XXXX and they sent it back to the XXXX at XXXX ). XXXX at XXXX says they don have the debt. I requested a letter stating that and the lady ignored me. I then asked her, how come my grandma can still rent but I can't and she stated " it has something to do with her age, since she's older than me, she gets more benefits ''. I told the representative " this isn't fair at all ''. I am a XXXX XXXX XXXX single mother of XXXX XXXX  who is a college student. I have a rental subsidy that I need to use and no one will accept me due to this debt that is on my credit report in the amount of {$2500.00}. 


I called the XXXX on XX/XX/XXXX at XXXXXXXX XXXX and no one answered my phone call. 


On XX/XX/XXXX at XXXXXXXX XXXX I called the management company of the XXXX at XXXX, I explained my issue once more. The representative told me " someone will reach out to me, no one has reached out as of yet. I know it is only XX/XX/XXXX '' Yesterday XX/XX/XXXX at XXXXXXXX XXXX I drove to the XXXX at XXXX to explain my issue again and get some type of documentation of the debt they 'claim '' I owe, the lady said " I remember speaking to you the other day, The debt is written off '' I told her " I need some type of documentation like a lease or something so I can see myself how I owe this debt '' she looked around and said " she couldn't access the file at the time ''. I believe the file could have been accessed, she was just. being lazy because I was the only person in that leasing office, so she was more than capable of doing so. She asked me for my name and number, I gave her that information and so far nothing yet. On XX/XX/XXXX when I called she was able to access the file because when I asked her questions, she paused. So, now when I arrive in person, all the sudden you can't access the file and print me out the documents I am requesting. 


I don't have any date of this debt only the year which she told me was XXXX. I am demanding this be taken off my credit, or give me the documents so I can see for myself how I owe this money or settle for a lesser amount.
Product: Checking or savings account

I initiated a transfer of my funds from betterment.com on XX/XX/XXXX. They asked for more details on XX/XX/XXXX. I provided the details. They stopped paying interest in the amount and have still not received my money in my back account as of XX/XX/2023. I get lame excuses saying the other XXXX transfer delays my savings withdrawal. 

Its 10 days off lost interest and opportunity cost for the money which I really wanted to deploy elsewhere immediately
Product: Credit reporting or other personal consumer reports

This company have no authorization to run my credit. I need to be removed as soon as possible
Product: Mortgage

Quicken Loans has a lure on the internet saying if you would like to know about the Making Homes Affordable Act to sign in. When you sign in you get no info about the act. Just a come on to apply for one of their loans and immediate access to giving telemarketers your info to contact and harass you. There is no way to opt out. There should be a sanction on false advertising and an opt out so if you get suckered in you can get out.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

The interest withheld from each payment is following an amortization schedule, no matter if I pay each consecutive day, it is never less than XXXX months accrued interest. It is not applying interest on a daily earnings method. When I called and asked them to review, I was told I didn't have that kind of mortgage? It is a 30 year fixed simple interest loan. I am XXXX XXXX XXXX  months ahead of scheduled payment, but it has had no effect on my interest applied to payments. Please Help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified These credit reporting agencies that there is fraudulent accounts on my credit report, and i have asked them to remove it, i have given them all the information they need including my proof of identification, and a FTC report, they still have not removed these accounts, As in these companies are in violation of Code 15 U.S.C 1681b - Permissible purpose of consumer reports as my identity has been used Pursuant to 18 U.S.C 1028A., I demand that these accounts be removed.