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

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. I am not liable for the accounts with XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), and XXXX XXXX XXXXXXXX XXXX ( XXXX ). I do not have a non fraudulent contract with the creditor reporting this to my credit report. They did not provide me with the original contract as requested.
Product: Mortgage

I inherited this home from my brother when he XXXX and elk over a year ago. Midland mortgage still refused to speak with me or allow me to insure the home. The homeowners insurance was canceled when my brother died. I placed XXXX XXXX insurance on the home and continue to get letters saying there is no insurance on the home and Im going to be billed for hazard insurance. When I call the number listed on the letters they refuse to speak to me stating Im not authorized to speak on behalf of the loan. Despite the fact hat all information was turned in immediately after my brother died over a year ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$30000.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$570.00} Inquiries : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Checking or savings account

Capital One back has not posted payroll direct deposits to my accounts. They are giving no updates or an ETA on a resolution to this issue
Product: Credit reporting or other personal consumer reports

IN accordance with the Fair Credit reporting act XXXX Account # XXXX has violated my rights. 


5 U.S.C 1681 section 602A. 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

XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX Has violated my rights. 
15USC 1681 Section 602A. StatesI have the right to privacy.

15 USC 1681 Section 604A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section.

States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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, credit repair services, or other personal consumer reports

Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I ordered XXXX items from XXXX. I only received XXXX. XXXX fails to recognize that a shirt was missing from my delivery. Everything else in my order I received. They refuse to offer any resolution or help and just keep saying it shows delivered and theyre not going to do anything. The package says delivered. But when I click the individual link for the shirt it shows that its in transit and hasnt moved XXXX days. It is lost. After pay will not issue a refund after trying to dispute XXXX times. I want the refund for the shirt I never recieved.
Product: Credit card

I sent a money order of a {$100.00} for payment of a charged balance of {$150.00}. When I received my new stated I saw that the {$100.00} was never credited to my account. I wrote Synchrony Bank/ JC Penney 's They wrote back that the charges were correct. I wrote Synchrony Bank/JC Penney 's back sending them documents showing that the {$100.00} was never credited to my account.I always paid my credit charges in full except for that month, I carried a balance of {$51.00}. I paid the balance I knew I owed, waiting for Synchrony Banck/JC Penney 's to fix the mistakes. They did nothing, but charge me a late fee of {$25.00}. plus {$14.00} charge : I do n't know what for plus {$3.00} interest charges. In the meanwhile, I returned a item, creating a credit {$28.00}. I noted on the documents I sent Synchrony Bank/JC Penney 's, that the previous month 's balance was paid in full. I made no new charges, where are these charges coming from. The documents clearly shows their mistakes. Either Synchrony Bank/JC Penney 's never looked at the documents, they do n't how to do their job or my charge card is being padded. I am XXXX of those customers who pay off their balance in full every month, but that XXXX month. 
I would like the {$100.00} to be credited to my account like it should have been. I want any further charges ... late fees, interest and other miscellaneous charges removed from my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files. 
Experian : XXXX Equifax : XXXX TransUnion : # XXXX| have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. Thank you for your attention to this matter. Ilook forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout XXXX, I was getting notifications via the XXXX XXXX that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from Experian that my credit score had dropped XXXX POINTS because XXXX reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my credit score. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.
Product: Checking or savings account

On XX/XX/XXXX I sent a friends and family payment of {$440.00} on XXXX  to what was a mutual on social media in the XXXX XXXX fandom. I believed I was buying concert tickets to XXXX 's XX/XX/XXXX show, and since we were mutual followers and she ran an active fan account I didn't think anything was weird until she kept making excuses not to send the tickets. That's when I found other 's on XXXX  calling her a scammer and pointed this out to her, she told me she already spent my money and then stopped responding. I have filed a police report on top of disputing with my bank and have reported her to XXXX ( who has taken down her account ) However, disputing the transaction has been a nightmare. XXXX told me to contact my bank and they'd be able to send the information on their end to have it charged back, however my bank denied this and told me I need to contact XXXX, then I call XXXX and they tell me to dispute with my bank, this has been back and forth and I just want my {$440.00} back. I never received tickets, they did not ever exist this woman scammed multiple XXXX XXXX fans and XXXX isn't even blocking her account. I just want my money back as it is a fraudulent charge. The charges are XXXX separate charges of {$220.00} labeled ticket XXXX and ticket XXXX.
Product: Credit reporting

RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.
Product: Debt collection

This company is continuing to report a false, erroneous account on my credit reports for years now. I notified this company on several occasions that this was not a correct debt and requested that they contact the original creditor to get the matter sorted. They did not. Instead, they continued to report this information on my credit reports and ignore all of the letters I sent to them. Each month they continue to update this incorrect information on my credit reports.In addition, they are NOT even licensed to collect or conduct business in the state of Connecticut, where I reside, and have resided for over 20 years. Yet they are claiming to be attempting to collect a debt from FL. After reading the thousands and thousands of complaints about this organization, I am not one bit surprised. They need to remove this incorrect information from my credit reports once and for all!!!!
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my Experian report. I reached out to XXXX who is no longer is XXXX but is now XXXX XXXX. 
They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.
Product: Debt collection

I contacted yesterday, XXXX XXXX XXXX, to settle this account which I am not refusing to pay, but they state they can not accept a payment plan. This account is affecting adversely my credit score and my intentions to purchase home. I am willing to establish a payment plan but they refuse and they threat me to foreclose on a time sharing property I have never used. They have incurred in high pressure and predatory tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in 2017.
Product: Credit reporting or other personal consumer reports

New numbers and mailing addresses were added and updated to current. I disputed the numbers and got that fixed. I the disputed the " new '' addresses and send proof that i been living in the " former '' address for over XXXX  years and it has not changed. They failed to put back my correct address over and over saying the new address is current. I even advised that i suspect identity theft and that they have incorrect information. They still failed to correct my infornation. Even with my credit file frozen and stating where to contact me for any infomation, new infornation was still added like other addresses withput contacting me for approval. I am not looking for loans nor do i have a bank account or plan to open any account anytimw soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
PORTFOLIO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents
Product: Debt collection

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXFalsely reported a claim of debt in the amount of {$190.00} that stated false reporting on my credit profiles which was found to be inaccurate and unlawful.
Product: Debt collection

A few days ago, a collection agency named XXXX XXXX XXXX reported a {$4800.00} collection account on my credit report. I have not idea what this is, and never received a notice of my right to dispute, prior to the account being reported on my credit file. THis is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit card

Accounts opened fraudulently need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such informationXXXX. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reportsXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX XXXX  address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX.
Product: Debt collection

I co signed for someone that I was dating years ago that turned out to be a XXXX XXXX so I wasnt going to keep the vehicle and he wasnt willing to pay for it When going to purchase this truck the salesperson never told me the asking price of the vehicle. I repeated the question of how much the vehicle cost and he never told me until after I signed the paperwork. The vehicle was in such bad shape we Kept taking it back for repairs and he would only do just enough to get us off the property and then its back broke again. I spent XXXX of my own money trying to get the vehicle where it was able to be driven. So long story short I ended up giving the vehicle back we parked it on the lot with the keys in it. And the person that was on the paperwork didnt have a valid drivers license.Its been over XXXX  years that I havent had this vehicle. Lesson learned never co sign for anyone especially not with a shady car lot. Please help single mother in need .Thank you in advance for this matter. XXXX XXXX shame on you. Smh Helping XXXX salesman, XXXX XXXX hard working citizens. For everyone out here dont trust these people, if they dont tell you the asking price thats a big red flag.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

Last year I asked for the Covid relief miss 3 payment thing, I was granted it because then I had 3 additions to my household who were out of work. Since then all have left and back to work. In XXXX of 2020 I received my packette for the LOAN MODIFICATION AND NEW PAYMENT AMOUNT. I started in XXXX paying by phone the amount referenced in paper work sent in XXXX. I then told them my husband ( Veteran ) had passed away and wanted his name off the title. They informed me that they would have to redo the packet and send me another one. I call every week and get the same story, it is in title and this has been going on since XX/XX/2020. I am on the original title and my husbands ' heir to property. I sent them his will and death cert. and marriage licence and XXXX and signed and filled out all paperwork they requested I submit. There was no probate as I was on the original and the refinance loan we have with Well Fargo. I have debt that I would like to address but am unable to proceed with any financial decision as the loan modification is being held up at the " title '' level of Wells Fargo mortgage. I tried to get another loan to just pay off wells fargo but my debt to income is such at this time I couldn't quality, how ever I pay all bills on time including my house payments. I only owe around XXXX on my home but have huge equity in it at this time. I am afraid they will try to take my home away from me I am XXXX XXXX XXXX, member of the XXXX XXXX XXXX XXXX XXXX # XXXX and white. I am the widow of a XXXX  Vet. he passed away XXXX XXXX. I call every week for updates but nothing happens, it has been 7 months to get paperwork to close this loan modification. I really would like help, I called local Legal Aid and they haven't called me back either. I don't have money for an attorney. I was my husbands care giver for 6 years our debt is do to this issue I can explain but not on this page.