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

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 6 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 9 XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, FL XXXX
Product: Credit card

An authorized hard credit pull was done under my name and social security number with the following companies : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and CBNA/THD. I've called every XXXX of these lenders to request the documentation that they had that showed that I authorized the hard credit pull that occurred on XXXX. None of these lenders were able to provide me with documentation saying I approved this hard credit inquiry pull. XXXX XXXX XXXX XXXX that they saw an application and would proceed with a dispute. XXXX XXXX and CitiBank on behalf XXXX XXXX stated that they did not have an application on file for me under my social security number even though it is currently showing on my credit report with XXXX as XXXX. XXXX has requested in order for me to remove these fraudulent hard credit pulls off my credit report I'd have to mail in documents from the FTC and CFPB for them to do the investigation. I'd also like to point out that these hackers even went as far as to create an online account with XXXX using my name and social security number so that when I tried to create an account under my social security number it was already attached to an email and phone number that HAD NO ASSOCIATION with me what so ever! Thankfully XXXX deleted the account and now I am taking all steps to secure my identity.
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts.
Product: Checking or savings account

Had an account closed with no warning. Attempted to open another account, Unable to get anyone to explain the account decision process. 

Seems to be discrimination and retaliation for filing a previous complaint.
Product: Debt collection

Once XXXX confirmed that the final account charges of {$110.00} were paid, a debt verification letter was mailed ( XXXX/XXXX/16 ) to RPM LLC ( XXXX XXXX XXXX, XXXX, WA XXXX ). Its XX/XX/XXXX and proper notice has not been received. RPM, is again calling me ( XXXX/XXXX/16 ) with threats to escalate debt. When I asked the phone representative to please notify if a written response was sent, he states a certified letter was mailed XXXX/XXXX/16. Once i asked who signed it, representative became defensive and said " he did n't need to proof himself to me ''. Another call came in XXXX/XXXX/16 at XXXX, however i was already at work and missed call. 

Company has been unprofessional and rude every time they 've called. My FICO credit score is over XXXX and i would hate for this to affect my credit history.
Product: Checking or savings account

On XX/XX/2021, I received a letter indicating that I had completed an online application. I contacted them and told them I had not done so and requested a copy of the application. Despite several follow up calls, they have refused to provide any information for us to give to the police to learn more about how this was done and perhaps by whom.
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 Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : 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: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX The open date ( XX/XX/XXXX ) and last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are inconsistent and inaccurate, violating the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ).

Additionally, remarks such as Account Closed By Credit Grantor and Unpaid Balance Reported As A Loss By Credit Grantor conflict, further demonstrating the accounts inaccurate reporting.

The account appears to be reported multiple times with conflicting details, including terms count, months reviewed, and payment history, which may lead to unfair reporting and double-counting of debt.
Product: Credit reporting or other personal consumer reports

Have unauthorized inquiries on my credit report I never gave any permission to access my credit report
Product: Debt or credit management

I signed up for Lexington law credit repair paid a monthly fee for XXXX years and my credit score did not change items returned changes
Product: Debt collection

i have XXXX insurances. they did not file to XXXX insurances
Product: Debt collection

I called the debt collector today to which they transfered me to an agent who had taken all my information, including card number claiming to dispute the debt, then tried to charge me XXXX $ + XXXX $ a month to dispute a XXXX $ debt, after charging me XXXX $ to sign up with XXXX  to pull up my reports. After this I informed them that this sounds like a violation of the FDCPA they got very defensive and rushed me off the phone, including changing the amount the debt was for
Product: Mortgage

On XX/XX/XXXX my wife XXXX XXXX XXXX and my self XXXX XXXX XXXX received a letter from Select Portfolio Servicing that our account # XXXX was placed in a 90 day Forbearance plan. that would not report to credit agencies negatively while in forbearance. However Select Portfolio Servicing reported to the 3 XXXX, XXXX, and XXXX XXXX that our account was 60 days past due, and our credit score plummeted XXXX points. I called to request immediately retraction of this injustice and was told Ill have to wait 30 days for their deceion, this is the second time this has happened with this company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : TXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date.

Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately.
Product: Credit card or prepaid card

On Friday, XX/XX/28 I reviewed by Bloomingdale 's account and noticed that my credit limit was decreased from XXXX to XXXX dollars based on the fact that I missed a XXXX interest fee after paying the account in full a few days previously. When I missed that payment they pulled my credit report and based on history that was the factor in decreasing my credit limit. I initially called and spoke to agent # XXXX I was informed that when I paid the past due amount with her she would transfer me to another department so they could reinstate my credit limit. I asked to be transferred prior to making the payment to ensure that this information was correct. I then was transferred to agent XXXX who then informed me that once I paid I could request a credit line increase. Why would I request a credit line increase, I was told it could be reinstated, by request only i was informed. Why would I, because you would be looking at the same credit report that you decreased my balance on. I finally requested the increase and of course was denied. After speaking with that agent I asked to be transferred to her supervisor only to be kept on hold for over XXXX XXXX when the call " suddenly '' dropped. I tried calling back from my cell phone and the call would drop before it even rang. I then used my landline to verify that the call would go through which it did. The fact that I was punished with over XXXX XXXX of my available credit being removed seems extreme at best. Yes, my credit history is not the best, but it is a history and my history with bloomingdales has been impeccable which is even what the agent expressed to me. I just want fairness and I want to be treated like a human being who doesn't constantly want to be punished for past mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that my reports be reviewed and verify everything on my reports as being accurate. I have viewed the reports and has found improper inconsistencies. 

In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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 or other personal consumer reports

Under 15 usc 1681b to report anything on my credit report. They need my written consent to report on my credit score. They never received that from me. Please email me do not call
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a second mortgage home equity line of credit with SouthState Bank. My first mortgage loan was foreclosed. I was never materially delinquent with South State. When SouthState got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. SouthState charged off my loan. This activity is from XXXX through early XXXX. In early XXXX SouthState 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments SouthState is under contract to cancel the last third. Even though I am timely paying the required installments, SouthState reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. NOTE : this complaint is actually two complains. The original loan was joint credit with my husband, and SouthState reports him delinquent too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and XXXX. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like the following 3 charge off accounts deleted across all 3 credit bureaus for Inaccuracies, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

I would like the following 2 collection accounts deleted immediately from all XXXX credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX XXXX XX/XX/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 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: Student loan

On XX/XX/XXXX I was notified that my student loans were transferred to EdFinancial Services. 

At no point with EdFinancial was I provided information on how to ensure my payments would count towards the PSLF/TEPSLF. 

On XX/XX/XXXX I submitted my PSLF/TEPSLF and my students loans were transferred to XXXX XXXX. 

However, the records sent are missing numerous payments both to EdFinancial as well as my previous Direct Loan Servicer, XXXX.
Product: Debt or credit management

I am not okay with the response the bank gave me. I feel like I am not liable to pay a company that took my money and closed without out notice. They didnt even let theyre employees know, they state I had access to the gym in XXXX when in doubt I did not have access to it, how could I have access of the gym closed down. They took money on the XXXX of the month {$110.00} to be exact knowing they were going to close down that week to me thats very unprofessional. I reached out to owner before I dispute my transaction she said they were going to transfer my credit to the new ownership that never even happen, I know other XXXX customers who had the same dispute and you guys approved it. What was the difference with mine, I am willing to fight this claim because its unfair. I am attaching emails and proof I had no aces to the gym. Not only did they still from me but from other members.
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  # XXXX Account Name XXXX XXXX  XXXX  # XXXX Account name XXXX # XXXX
Product: Consumer Loan

OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.
Product: Vehicle loan or lease

I contacted Automotive Management in XX/XX/2022 in regards to sales contract and repossession information pertaining to a balance of {$7000.00} remaining on my credit report, however I was unsuccessful. Under the laws of the State of North Carolina and State RISA and MVISA statutes, a deficiency can not be claimed {$7000.00} unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Consumer never received any documents and the remaining balance being reported is now questioned due to the laws required not followed. Also From information gathered 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( PLEASE READ ) there should have been no exchange of cash on the credit transaction therefore I am demanding a refund of the down payment amount {$1500.00}.
Product: Debt collection

This is regarding the letter for debt collection that I have received from Convergent Outsourcing, Inc. with regards to the creditor XXXX XXXX. The provided client account number is {>= $1,000,000} and the convergent account number is XXXX. for {$76.00}. I would like to bring to your notice that I do not owe any debt and this attempt to collect is harassment by XXXX XXXX and Convergent Inc. I have neither received any service provided by XXXX XXXX. The order that was placed on the website was duly canceled due to poor customer care service and none of the products were delivered and no has been activated or used. A charge back has also been raised with XXXX XXXX at the same time and I won the case. This attempt by XXXX and Convergent equates to harassment for collecting debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit reports last night ; do that every so often. Equifax 's report had my residence in a state I've never lived in, and my credit score had dropped 50 points. I have been trying all day to contact them to find out what's going on and why. Can not connect with them. Have tried to go through Oregon Ombudsman, but no answers there. All I want is some answers to some simple questions, but am beginning to suspect my identity 's been stolen. Also am beginning to suspect I live in a third-world nation, and I can't get any answers from anyone. Can you please help me? Thank you so much!