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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX , CT XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquire from XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to Equifax and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to XXXX XXXX XXXX I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.
Product: Credit reporting

I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX  XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked. 

XXXX XXXX XXXX and XXXX XXXX XXXX. 
In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim.
Product: Credit card or prepaid card

My account has been closed for months, and I have been struggling due to job loss to pay off this account. On XX/XX/2022 there was a payment due on the account. Even though the company was closed they charged me a late fee for the payment not being received on that day. This company has also been charging me {$10.00} fees to make payments to them making it almost impossible to pay the balance to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an erroneous entry on my credit report that was made by the XXXX without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported to credit reporting agencies is accurate, complete, and verifiable. Since I did not authorize this reporting nor was I notified in accordance with the FCRA, I request that all negative items be removed from my credit report immediately. 

Please provide documentation supporting the basis for this reporting, including any consent I may have provided to allow this entry. If no such documentation exists, I request that you remove this negative information from my credit report. I would like my signature mailed to me from the exact company not a third party.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Credit card Charges Off Account : number XXXX Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Good morning in reviewing my credit report. XXXX XXXX XXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX written off. XXXX XXXX XXXX failed to submit 1099 -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX XXXX FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter. 
( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. 
Consumers prepared to address this matters in legal proceedings for statutory damaged. 
Im hoping we can address this matter with the proper outcomes for both parties. 
The following documents can be mailed to me at XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX.
Product: Checking or savings account

RE : Violation of the federal government 's Expedited Funds Availability Act.

**This complaint is about Simple Bank incorrectly treating federally backed money orders and personal checks equally, instead of treating federal backed money orders as a cash deposit like other merchants and banks currently do** ***************************************************************************************************** 1 ) QUESTION : Please state exactly what date XXXX Bank received the {$290.00} in funds from the US government from a federal cash money order deposited ( not a personal check but a federal money order which should be treated the same as cash ) on XXXX XXXX, XXXX. None ( {$0.00} ) of the funds were available until 16 days later XXXX XXXX XXXX, XXXX ). Again, what date exactly did XXXX Bank receive the {$290.00} in funds from the deposited federal cash money order? 
***************************************************************************************************** 2 ) QUESTION : Then state clearly how many days passed after Simple Bank received the funds from the federal government before the hold was released. 
***************************************************************************************************** *Note : The Funds Availability Disclosure of the XXXX XXXX Simple Deposit Account Agreement does not include federally backed money orders which are treated the same as cash by merchants and banks. 

*Note : Simple Bank does not allow for deposits though their ATM network and does not have any physical branches, so XXXX Bank XXXX make allowances for Federal Backed money orders to be treated differently ( same as cash ) than a personal check. 

XXXX THANK YOU FOR ANSWERING THE 2 QUESTIONS WITH THE DATES/DAYS AS REQUESTED *****************************************************************************************************
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent them a letter of verification exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

They did not provide me with this information and has yet again updated the status with verified without providing the requested proof per outline in the last letter sent to them XXXX.
Product: Credit card

I have several accounts with Truist. I received a solicitation for pre-approval and a promo offer of no interest for a period of time. I am in the process of renovation so this seemed a good offer. I received my card and logged into my Truist online portal to take advantage of the promo. I then received a fraud alert via an unidentified XXXXXXXX XXXX. I don't answer unknown numbers due to scams. When I attempted to return the call, I was directed to XXXX XXXX  who barely spoke English and after 45 minutes I request a US representative. ( If concerned about fraud, perhaps don't send confidential, financial information offshore. ) In any case, they said they would resolve the issue. Nothing. I tried again. Same issue, canceled, call from XXXXXXXX XXXX. Tried a third time. This time I answered XXXX call, gentleman said he would put through transfer, as I had completed all necessary validations. Another week goes by and nothing. I try again. Same person as first time, XXXX leaves message and I am now back in XXXX XXXX when I call back. Could not locate XXXX. I am on phone for XXXX hr, XXXX min. and speak with helpful rep, who promises to resolve. Nothing happens.
Product: Vehicle loan or lease

We had purchased GAP Debt cancellation with this auto loan. The vehicle under this contract was totaled on XX/XX/XXXX Lendmark was paid by our insurer around XXXX XXXX. Lendmark called me to state they received our insurer 's payment and would begin filing the claim to the GAP insurer. Upon receipt of their XX/XX/XXXX letter requesting payment, I called to find out why we received this letter and the status of the GAP claim. It was at that time, when I was informed the claim wasn't submitted until the end of XXXX ( two weeks later ) and no follow up had been done with the insurer. When they finally followed up ( XXXX ), it was discovered there was missing information to approve the claim. By the end of XXXX, the claim was approved and paid to Lendmark Financial. We were told to wait 15 days ( XX/XX/XXXX ) to receive the necessary documents to show the contract was paid in full along with receiving a check in the amount of approx {$170.00} for the credit balance on our account. XX/XX/XXXX is the date both insurers used for payment which effectively is the date this contract ended. Lendmark continued to report to the credit bureaus knowing of the pending claim and payment. Instead of using the XXXX date, they reported and posted, in XX/XX/XXXX, the GAP payment which put our account 30 days past due. Their delay in, first filing the claim and second, not following up properly, delayed the payment by the insurer. Also, they incorrectly reporting to the bureaus put a negative remark on our accounts.
Product: Payday loan, title loan, or personal loan

This company pretended to be Chase Bank, I don't associate with the bank because I have my own bank. These people where either XXXX  or XXXX   that had sent me a text message and gave me a call on the XXXX of XXXX around XXXX in the afternoon. They asked how much I needed and ask for account information as well. Little did i know I had fell for the scam, because they always mention you need to go to local stores so that way you can purchase a XXXX XXXX card with sending photos of the code on the back as well of the receipt to collect information to keep money to themselves. I asked when will i get my loan, but they said that I had bad credit and that ill need to pay XXXX cash for a card in order to get it and then another one cause there will still errors, i didnt pay the other XXXX cash, and decided to call the actual chase bank and it turned out to be a fraud. They use the Government as their cover up with the reasons i can get loans and that I also was approved by a grant by the government. They are rude and have bad attitudes as one had called me poor cause i dont have the money to purchases for frauds like them. Overall invested XXXX dollars to them being so naive, because I was in depsreate need to provide for my fiance that is pregnant and not having a place to stay and for them to lie when I called them, i heard laughing and them getting quiet when I caught them in a lie. I want to sue them for leading me on.
Product: Student loan

The current status of my loans and the transfer of my loan to another provider, Nelnet, is unlawful, per the XXXX XXXX XXXX. I will report Nelnet and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the FTC if this is not resolved.
Product: Credit reporting or other personal consumer reports

I have been denied credit for years now, and recently confirmed it was due to a merged credit file. I opened a dispute which has been completed. I received an email telling me to click here for results. This takes me to a message that says my results are currently not available online. It gives me a phone number to call with days and hours available. I have called the provided number multiple times. I have been hung up on multiple times. The last person who refused to let me speak to someone else, was a supervisor. After refusing my request to transfer me, she hung up on me. I have spent 3 hours trying to get help, with no results. I have been refused to speak with supervisor multiple times. I have been hung up on multiple times. They inaccurately reported someone else 's credit information concerning me, and completely refuse to supply me with the results of the completed dispute.
Product: Student loan

My son, whom is XXXX, started attending XXXX College in XXXX XXXX, Minnesota. He was told he could not attend college unless he had a cosigner. So I cosigned the loan for him. This was after he had a few Federal loans first. After that he was harassed by a student and the other student was released from their school. XXXX has always had illnesses due to his XXXX XXXX of his XXXX. XXXX got ill, and the school asked XXXX to quit because he was n't there enough to graduate from the program. This course was for computer game design and I 'm sure they could have made an exception for XXXX and give him homework for his course. Anyway, after he quit his payments were due right away because he was n't in school anymore. We are paying {$230.00} a month, which has gone up {$3.00} recently. The problem is we filed for a loan forgiveness, total forgiveness, because XXXX can not afford all the loans being paid at the same time. So when XXXX  received a letter from Navient stating that he stop paying until further notice-he did so. ( He has Federal and a Private Loan. ) Now our complaint-His bank account started missing {$200.00} more a month. They took his payment out without a notice nor his permission. I had written a letter to the Dept. of Education last year and recieved no response either.
The letter follows ; XXXX/XXXX/2016 XXXX XXXX. account # XXXX Department of Education, My name is XXXX XXXX I am the mother of XXXX XXXX. who is applying for a Federal Student Loan XXXX Discharge. I am also including the form to be his representative. I normally do n't get involved, but I feel it 's up to me to convey some of XXXX 's XXXX and the problems with getting a Dr. to fill out your form.
XXXX was born with XXXX XXXX XXXX, a dibilitating condition of under XXXX XXXX and XXXX with XXXX XXXX because of the XXXX. He has been XXXX XXXX since age XXXX when he finally had gotten his first XXXX XXXX. The reason his Dr. wo n't fill out the form is that it is a policy of XXXX Clinic in XXXX, Mn. that they do n't get involved with such matters as this. So I am proposing that you suggest a Dr. in XXXX who can perform a physical on XXXX and be able to get his records from XXXX to give you the documentation you need for your decision.
Thank you for your time.
Sincerely, XXXX XXXX XXXX XXXX 's only income is his XXXX ( XXXX ) check. {$930.00} a month.
Product: Credit reporting or other personal consumer reports

I never signed a contract or any kind of financial agreement with XXXX XXXX. Ive asked multiple time for a valid contract to be provided to me with my signature. However XXXX was only able to provide with with documents from the previous financial company XXXX. XXXX forged my signature and created a new agreement without my consent or knowledge. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, | presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 USC 1028A was also violated as well as law 15 USC 1681b
Product: Checking or savings account

Regarding my business checking I made a transfer from my XXXX XXXX  to my navy fed checking An unauthorized debit from my checking was made I called to request the situation be rectified. The funds were for electric bill emergency shut off. The department refused to credit.
Product: Debt collection

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts XXXX XXXX XXXXSouthwest Credit Systems XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Product: Debt collection

The person said they was from a law firm which I didn't know they had information about a civil case I have been waiting to go to court on since XX/XX/2020 they called me from a 1-855 number they ask me to confirm my last 4 numbers of my social security number which they gave to me. I asked where their law firm was located at they hung the phone up.
Product: Credit card

I received a notification from my credit alert system that my BOFA card was closed " at my request '' this is a fraudulent statement made by BOFA. 

I reached out to BOFA and requested more info and they said the card was closed due to inactivity and that they had notified me prior. Upon pressing it was discovered that they had an old physical address and old email address on file. 

I would like for them to reinstate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Credit report, the following acct has been XXXX in full satisfactory to XXXX XXXX XXXX by Washington XXXX lXXXX XXXX XXXX 
A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXX XXXX XXXX were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX was going to end on XX/XX/XXXX, I had provided them a move out notice 60 days before including moving out on XX/XX/XXXX. I went to office twice to request them for inspection before we move out but both time they just said that no need to do inspection, pn the day of the move, you just need to handover the key to our staff and after that their technician will take a look and if need to do some work they will reduce it from security deposit, if not, we will send my security deposit. While I was moving out, I had two friends help me to move out and also check out and we didn't see any problem with the entire apartment and the carpet. On XX/XX/XXXX, I got an email from apartment management that they charged me {$1300.00} for Carpet clean/Repair/Replace. When I saw this I was shocked, and promptly sent an email requesting them for pictures and details of why they charge me a lot. I did a follow up on XX/XX/XXXX and on XX/XX/XXXX, I got a response from them that the carpet was replaced prior to my moving due to strong order they replaced the whole carpet. This was not true at all so I sent an email to them to clarify that the carpet was not replaced at the time of move and there was a different landlord/ management. 

After that first claim of new carpet during move-in, they also stated that there is wear and tear of the carpet, to which I asked them to send me the proof of the wear and tear ; at which point, they said that they had to replace the carpet because the carpet was dirty. In reflecting back, within the 7 days of moving into their apartment I have faced so many issues inlcluding a significant water leak in the entire unit from the sink and washer/dryer. This event entirely flooded and damaged the carpet, and it took roughly about 7 days for them to remove all the water from the apartment ; this might be the primary reason why the carpet was dirty while we moved out as the management didnt replace the carpet at that moment. 

After that on XX/XX/XXXX, I got an email from XXXX XXXX ( Manager of Landlord ) that accepting carpet was not new but replaced 1 year before my move in, now he is charging me for the rest of the carpet life. On the same day I sent him an email requesting a copy of the receipt for the carpet replacement and the professional cleaning attempt to ensure everything is accurate and justified. I did not get any response from him till XX/XX/XXXX. Now, while I am still in the conversation with the apartment about the debt, all of the sudden I got an email from the debt collector, the Resident Advocate for collection of the debt and trying to scare me so that I pay the debt. 

From the start of this incident, I just feel like the apartment is first trying to put me into pressure by making different story and lastly by getting the debt collector engaged so that i would be scared to pay the debt.