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

i have these unknown inquires I wish to have them removed, I have sent letter to XXXX, I have reached out to the creditor that made the inquiry still no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this item removed and it is showing on my report again.
Product: Credit reporting or other personal consumer reports

This month, on XX/XX/2023, I disputed inaccurate accounts that were reported on my consumer report. The results came back accurate and were not adequately investigated because the inaccurate information is still on my report and has not changed. 

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

XXXX Account # - XXXX, Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  XXXX Account # - XXXX XXXX XXXX  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 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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX Account Num : XXXX XXXX XXXXXXXX Account Num : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A 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

XXXX XXXX & XXXX, Please cease and desist collecting and reporting information on my consumer credit profile. 
I am requesting a XXXX XXXX on my consumer data file maintained by XXXX. 
Do not release my consumer data file or any information derived from it to any third party of affiliate. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries have been corrected on all bureaus except XXXX. These inquiries are not mine. Please remove them. The inquires I do have with XXXX are from active accounts ; not these.
Product: Credit reporting or other personal consumer reports

Recently, I became aware that child support information has been included in my credit report and/or public records. This information was shared without my consent and is unrelated to any credit inquiries or transactions I have authorized. The disclosure of this information has had a negative impact on my credit profile and potentially exposed sensitive personal data that should have been protected. 

According to 15 U.S.C. 1681b, consumer reporting agencies are only allowed to furnish information for specific and permissible purposes, none of which apply in this situation. Additionally, under 15 U.S.C. 1681s-1, government agencies are responsible for safeguarding consumer information, and I believe this obligation has not been met in my case.
Product: Credit card

I am writing to file a formal complaint against CitiBank XXXX concerning my secured credit card account. I have been a customer for nearly XXXX years and opted to close my account using the secured collateral to settle any remaining balance. At the time of closure, I was informed that there were no outstanding balances on my account. 

Despite these assurances and being a paperless customer who routinely checked my account online, several months later, I was surprised to find a balance of over {$110.00} on my account. This balance was not only unexpected but also included negative remarks on my credit report. Upon contacting CitiBank via phonethe only customer service method available to meI was unable to obtain a clear explanation or itemization of these charges. The customer service representatives stated that they could only send a statement via mail, which I was told could further negatively impact my credit report due to the time required to mail. 

I have since paid the full amount, despite not understanding what the charges entailed, under confirmation number XXXX, in an effort to mitigate further damage to my credit score. However, I am concerned that my account may not be settled in full and am troubled by the lack of transparency and accessibility in resolving this matter.
Product: Debt collection

On XX/XX/2018 I have shown proof to all three credit bureaus that thechapter XXXX bankruptcy was reported in accurately and i get a response stating they have verified this in XX/XX/2018 which isnt possible because the bankruptcy information to call to find out is the wrong number. I also asked whom did they speak with to verify this information XX/XX/2018 and i didnt get a valid response. Also, I have sent in proof that XXXX XXXX is reporting i owe XXXX dollars when i only had a credit card with them for XXXX and I dipute to have that removed XX/XX/2018 and the credit bureaus wont remove it. On XX/XX/2018 I also dispute the fact that XXXX XXXX and capital one were sold accounts and they are still reporting late payments which shouldnt be. Im trying to clear these things up to try to get a home eventually. Also, I just disputed XX/XX/2018 that the new chapter XXXX dates are all wrong and its not reporting accurately and Its no way they have verified thisw information with the courts because I myself couldnt speak to a person. The law states you have to speak with a indivdual to verfiy the information being reported and im just being toss aside.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

PORTFOLIO RECOVERY is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give PORTFOLIO RECOVERY written permission to furnish this account Account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was part of a scam that targeted me as a college student. They pretended to be a professor at my school looking for a student research assistant. They told me to text them my name. They then briefly told me about the job and then asked if I could inquire about some items I would need for the job. It was a laptop, printer, and stamper. They asked if I could make a payment for them if they sent me a check. I said yes. They sent me a check for {$1800.00} and asked if I could deposit it through mobile. I sent {$1200.00} to an email address through zelle that was supposed to be for the laptop. I sent {$1200.00} to the same email address through zelle for the printer. I was suspicious about this and emailed the professor who said it was a scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, TransUnion, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account be verified or removed immediately : The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items.
Product: Credit card

5 credit cards closed ... since 2010... making payments, etc Back then worth XXXX, XXXX, the 5 together... .which is worth a home equity line of credit Was Blacklisted Blocked defamated discriminated retaliated ilegally persecuted, harrassed
Product: Money transfers

On XXXX XXXX, XXXX I received a call form a lady pretending to be with the office of pretrial of investigation. The lady said her name was XXXX XXXX, she received case from attorney XXXX XXXX, who was attempting to collect a debt for a loan from XXXX XXXX. XXXX XXXX said, they had me on surveillance camera, they were coming to arrest me, she used the words felony, fraud, promissory, it would cost my family more to bail me out of jail. She then told me the best way to send the money was thru money gram. I went on the morning of XXXX XXXX, XXXX to the Walmart on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; wired {$1000.00} to XXXX XXXX, to some XXXX XXXX, whom assumed to be some attorney working on behalf of some loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

!!! Document the rates you are offered along the way and be sure to check the final rate on your loan!!!! 
During the pre-approval process, I was offered high rates for refinancing my student loan. I added my husband as a cosigner and the pre-approved rates dropped. I selected the 4 % fixed rate for 7 years. I then continued through the process. 
After getting " approved '' I received an email stating that the terms had changed. I logged in and it was not obvious what had changed. I called SoFi and was told that my rate had improved to 5.75 % and that I should just sign. It seems that the lower 4 % rate did not get recorded in the system. I was then told it was higher because they were unable to verify my employment. After verifying my employment, they told me I was never offered the 4 % rate. I am 100 % sure that I was offered this rate. The current rates that SoFi is offering me are barely lower than my current loan, and I would have never proceeded with the process.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting a
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed incorrect information on my credit report which are inquiries XXXX- XX/XX/XXXX XXXX XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX These are all incorrect and fraudulent
Product: Vehicle loan or lease

I have never had an account I have a decent XXXX XXXX and was denied to to demographics.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter requesting the removal of the listed items below that are UNKNOWN to me. Upon discovering FCRA 605B ( 15 U.S.C. 1681c-2 ) today, I learned that you are required to remove or block any such items within 4 business days. This requirement was previously included in my complaint, and I am reiterating it here. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX  XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX {$430.00} XXXX  Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute for Inaccurate Credit Reporting Dear Trans Union I hope this letter finds you well. I am writing to formally dispute certain information inaccurately displayed on my credit reports, as provided by XXXX, Transunion, and XXXX respectively. The inaccuracies observed concern the following accounts : [ list all inaccurate accounts, including account numbers, if possible ]. 

Upon reviewing my credit reports obtained from your respective agencies, I have identified false information that is detrimental to my creditworthiness. The inaccurate items include [ describe the inaccuracies specifically, such as incorrect balances, missed payments, or inaccurate account statuses ]. These discrepancies have significantly affected my ability to secure credit and obtain favorable lending terms. 

To rectify this situation, I kindly request that a thorough investigation be conducted regarding the disputed items referenced above. I believe these inaccuracies stand in clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, I am entitled to accurate and verifiable credit reporting information. 

In accordance with my rights under the FCRA, I hereby submit the following documents and supporting evidence to strengthen my dispute : XXXX. Copies of the credit reports where the inaccurate information is being reported, highlighting the disputed items. 
XXXX. Documentation demonstrating accurate and up-to-date account information, such as payment receipts, account statements, or correspondence with the respective creditors. 
XXXX. Any other relevant supporting documentation that can assist in resolving these disputes. 

I kindly request that you acknowledge receipt of this dispute letter within 30 days as required by the FCRA. Additionally, I respectfully request that you provide written confirmation and an updated credit report once the investigation has been completed. 

Moreover, please ensure that all information supplied to other entities, such as financial institutions and potential lenders, is corrected, as it has caused unwarranted harm to my credit reputation. 

Thank you for your attention to this matter and your prompt resolution of my dispute. Should you require any further information or documentation, please feel free to contact me at the contact information provided above. I appreciate your cooperation in restoring the accuracy of my credit reports. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I called jp morgan chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant inn the past Merchant : XXXX XXXX  XXXX XXXX XXXX transaction date:XX/XX/XXXX amount:XXXX dispute claim date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts come back verified without all paperwork that should make such a case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
In accordance with the Fair Credit Reporting act. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 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. 

This is not my name XXXX XXXX
Product: Mortgage

On or about XX/XX/2023 I was discharged from XXXX XXXX Bankruptcy. I reached out to Caliber home loans to discuss my release of lien. they said it had not been paid off. I told them I had been discharged from XXXX XXXXXXXX and that I no longer owe anything according to the court. After multiple calls and my attorney getting involved there were no changes. In early XXXX I sent a certified letter that they were required to respond to after 5 Days according to RESPA. I never heard anything from them. Towards the end of XXXX their attorney finally reached out to my attorney and said I would show a XXXX balance by XX/XX/XXXX. The attorney was correct. Come to find out only to be sold to XXXX. I have ben attempting to reach out tot hem to get this resolved however they can not find me in there system. Its been XXXX XXXX months and no resolution. I have not even been sent a statement or called for payment. Which they can not ask for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX.

ADDRESSES: need old addresses removed: XXXX XXXX XXXX, XXXX Ca XXXX and XXXX XXXX XXXX, XXXX ca XXXX  
EMPLOYER:  Remove " XXXX XXXX" and add Current Employer: XXXX, XXXX
Product: Debt collection

Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent XXXX but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX and this is my complaint I am filling this complaint since on XX/XX/XXXX in Bank of America XXXX Account, they made ( somebody ) a deposit from XXXX  XXXX which I was not aware. 

Then they made 2 transfer by XXXX which I do not authorize but the bank claims that I do authorize them to do this and that they sent me the authorization code to my phone but I have not received any code. 

I understand that what the bank is doing is unfair. I have not received any code and any email notifying anything and they took all my money from my saving account and I have more than 4 months in that account.