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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 


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: Money transfer, virtual currency, or money service

I am filing a complant against Cash App ( XXXX, XXXX to XXXX XXXX XXXX XXXX ) stomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution brocks ) was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I am writing this request to TRANSUNION that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit card or prepaid card

On XX/XX/2022 an autopay was applied ( and posted from my XXXX checking account ending in XXXX ) in the statement balance amount to Bank of America XXXX XXXX XXXX XXXX ). Then, on XX/XX/2022, Bank of America took out a duplicate payment from my XXXX account. Creating approximately {$2400.00} credit on my account. I called to resolve the issue when I found out of the error on XX/XX/2022. My phone call was from approximately XXXX hours on this day. I spoke with the Escalation manager, XXXX ( ID XXXX ) and she adamantly refused to expeditiously get my {$2400.00} back to me! We are in a recession and my mortgage and XXXX XXXX credit card bills are due this week... I begged Bank of America to make this right! I begged them to expediate the refund as they " stole '' the money from my bank account. She refused! It will take XXXX days to cut the check and another few weeks for it to mail via snail mail ( XXXX ) to me! I am absolutely horrified that a huge corporation such as Bank of America can steal money from my personal checking account and take their sweet time in returning it back to me ( and it was their mistake )!!! Additionally, XXXX informed me I would not receive interest back! My only request was that they make an exception to policy in light of the economic crisis and overnight the check to me or ... .send it back electronically to the account they stole it from. Neither of which, XXXX would entertain. I want Bank of America to recognize their mistake and give me my money back ASAP!! My bills don't stop because of their theft! To make matters worse, I just obtained this credit card a month ago and this was my first autopay. I have already lost trust in this company and once this is resolved I will be cancelling my card... unless they make me whole! The emotional stress of a corporation stealling {$2400.00} from me with zero accountability is beyond unbearable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX  XXXX XXXX # XXXX, Account XXXX XXXX XXXX  # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have had over XXXX inquires that i didn't authorize. I had submitted a credit report score for loan purposes and the score came in the mail saying my score was XXXX which is impossible. I also recieved 2 others and my score has remained the same for years.. it usually is XXXX and the lowest it reached was XXXX which then was the time i recieved automobile solicitors calling me by the day and night. I also started recieving auto insurance company 's calling all day also. I know i only applied for a personal loan with XXXX company 's. And i can recall two of them calling me saying my loan application had be accepted and i was gon na receive funding in 24hrs. I submitted the verification information they required and i was told my funding would be deposited into my checking account the next morning. That my score was XXXX. I agreed with the amount and amount to be paid back. I was then transferred to a credit repair company who insisted i needed to give information as a assurance procedure since i was granted the loan. My credit score since these interactions have been all screwed up and my loan also never was recieved. This was a process that was used on me at least 5 times, thinking i was recieving the loan as promised and each time having been mislead and manipulated about the funding i needed and my credit score sumhow being effected by extreme measures. The companies i referring to are as follows.. XXXX, XXXX XXXX and XXXX.. also XXXX credit repair XXXXXXXX XXXX which multiple times attempted to charge me money saying it would come out of the loan amount i never recieved yet took my account numbers to any possible accounts i had. Very unprofessional results and manipulating sales pitches and technics. The department of XXXX XXXX also has done sum kind of report that is misused its authorized access. I have paid plenty and should not be penalized for my XXXX son whom is XXXX old now and i paid alot of the amount owed more then 85 % of the total. Please look into these reports against my credit i have not done this to myself. And how could i receive a XXXX credit score?
Product: Debt collection

This company constantly calls from different numbers and called my ex wife when they should not be. They have been told to stop, but will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from Exeter Finance for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted Exeter Finance and was advised that the loan was opened XX/XX/XXXX at a car lot in Kentucky. I advices them that I live in Georgia and on this date, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so it was impossible that I was in Kentucky at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from Exeter stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in Kentucky because I know for a fact I was in the hospital, and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and XXXX. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. XXXX refused. I called XXXX four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX call center- I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless Exeter removes the account XXXX will not be helping me. I also have a XXXX XXXX because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in XXXX does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.
Product: Money transfer, virtual currency, or money service

Case number XXXX Email sent XXXX XXXX XXXX. The title of the email was License Picture Rejected Over and Over. I accidently hit a key and disabled my account from my I phone for fraud. So the account was disabled and I could not get in. I tried to reopen my account by taking picture from my computer but license rejected several times. 
XXXX # XXXX Email sent XXXX XXXX XXXX. Title License Accepted. I got my account on I phone and was able to take picture of license and it was accepted but still account disabled. 
Case XXXX XX/XX/21 XXXXXXXX XXXX. Title was License and again XX/XX/XXXXXXXX XXXX XXXX. I got the following response each time I emailed them. " Hello, Thanks for submitting your request to Coinbase Support. We are here to help and will be in touch as soon as possible. In the mean time, you can find answers to many of your questions by visiting our help center. Regards Coinbase Support. I found none of the articles addressed my issue. They had no chat or phone support.
Product: Debt collection

Signed up with XXXX to check my credit situation. Recently learned I am a victim of Identity theft. My phone began to ring continuously the following day to the point of complete harassment. 
I can not dispute the bill on XXXX for some reason. I would like proof of the validity of this bill. Midland funding company seems to operate on the premise of bullying tactics not facts. I would appreciate any information that can be obtained such as mailing address, Purchases made etc. so that I can proceed with criminal charges to be made against those involved.
Product: Debt collection

I received a letter of a second notice in XX/XX/2024 of a debt owed for XXXX. I called and spoke with representatives to let them know that I had sent a debt verification notice after they sent me the first letter stating that I owed said debt, and I also called the company a requested written verification of debt. The company has not acknowledged my request for verification. I want all communication to cease and debt to be erased immediately.
Product: Mortgage

Back in XXXX I went through Probate, a copy of the order was faxed to the lender at the time XXXX XXXX on XX/XX/2018. A month later the loan was transferred to SLS and I received a notice in the mail stating to pay SLS {$10000.00} which I did not have. I contacted SLS to let them know the situation, I forwarded them a copy of the Order showing I was granted the executor of the estate and asked if they can assist me with saving the home. I was told from SLS to submit documents such as forms they provided and financial information. I faxed the information to them in XXXX and received a letter on XX/XX/2018 stating they received my documentation and need additional information. Over the course of the next few weeks and to this day I have repeatedly faxed my information over to SLS which they keep stating they never received even though I have proof of the fax confirmations. Now when speaking with SLS they are telling me my documents were not submitted 37 days prior to the sale and they can not help me! I have done everything asked of me and I feel like they did this on purpose so that there would not be enough time. The Notice of Default filed ( attached ) stated that the lender, SLS made attempts to reach out, that never happened nor did they contact my mother the borrower because she is deceased, so that right there is another lie. I am now being forced to hire an attorney to see what my legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX XXXX XXXX it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I was buying a car, and they ran my credit once, and I was unable to do it by myself. So then they tried with my aunt, and that did n't work, and then finally they ran it with my mother. However they ran my credit 3 different times causing me to go over the yearly " good '' inquiry allotment. They are Mercedes Ben done on XX/XX/2016 and 2 are MB Fin Svcs done on XX/XX/2016 and XX/XX/2016.
Product: Debt collection

I was in a near fatal car accident. By the time I came to, everything with my insurance was paid off with the refund. Or so I thought, by this time I realized too late that it wasn't paid from the pay out and was automatically send to collections without me realizing, without proper communication from XXXX. I received a text message and derogatory mark on my credit from this collections agency and would like this account to be deleted from my credit report.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below :   XXXX    days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On my credit report, I saw a negativeaccountfrom Affrim INC, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from XXXX XXXX ( the company Affrimsaid they sold the debt to ) that is a violationof federal law.I can assumethat both Affrimand XXXX know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow Affrim and XXXX are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX year old, disabled immigrant, all parties involved should be ashamed of themselves
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date 2times..Please delete account from my credit report