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

Requested investigation via website and also sent written letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX stating the inquiries were not approved or requested by me. Equifax stated the information even incorrect and unauthorized is factual data and will remain on the file for 2 years. 
I stated in my letters to Equifax under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which I am requesting the stated inquiries below be removed immediately as they were not authorized by me and you have been notified I am a victim of Identity Theft. Whereas your organization states inquiries are factual records, it is just the opposite for victims of Identity Theft who have not applied for credit with the organization in question. Consequently, this regulation provides provisions related to record accuracy and states identity theft is not part of a factual record and therefore the stated inquiries below should be removed immediately as they were not authorized by the person who owns the file. It furthers penalize the victim ( myself ) as this information lowers my credit score resulting in higher rates in loans and denial of credit. This alone should be the reason the information should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card was never used. There is no information in their computer system. It is eight year old account. It is still on all three credit reports. It needs to be deleted off.
Product: Credit card or prepaid card

I received a letter reflecting enrollment in XXXX XXXX, in which I was charged. The account ending in XXXX is not familiar to me at this time, but your letter from XXXX, OR stated all information I list here. The letter stated a Customer Reference # : XXXX Your letter to me is dated XX/XX/XXXX and was received at my XXXX on XX/XX/XXXX. Your letter had no phone number listed in which I could contact you ( I see it is listed on this webpage, which was ridiculously difficult to find, even with the web address you listed in the letter ).
Product: Credit card

Well, taking a look over my credit report and noticed that there was some inquiries that I did not charge or did not authorize my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. 
Can you help me with this issue?
Product: Debt collection

A company I have never heard of, " XXXX XXXX Wakefield and Associates '' reported a collections on my credit report, of an amount of {$690.00}. I did not even know this company existed until I looked at my credit report. I have never received a bill or anything from this company. I have no documents to provide you from this company. I have attempted to dispute this on XXXX XXXX. I believe this is fraudulent! This is taking a negative effect on my credit score and needs to be removed now.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy This account is paid & closed.Why does it state Potentially Negative.

Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Secured XXXX Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$600.00} Highest balance {$45.00} Terms - Payment history 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 XXXXXX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$600.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$500.00}
Product: Credit reporting or other personal consumer reports

These difficult queries do not belong to me, they have not been authorized by me and they must be deleted. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have several inquires from companies on my credit report. They never contacted me or I never knew about these companies. There is also an employer listed that I did not know still exist.
Product: Credit reporting, credit repair services, 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 items ( A ). It is unacceptable to list these items 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 : 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 XXXX
Product: Credit reporting or other personal consumer reports

The account in dispute is not mine and I have no knowledge of such account, company is reporting an account being opened XX/XX/XXXX, reporting a balance of {$1900.00}, reporting it was a XXXX month term, reports no payments being made since account opening date, company charged off the debt XXXX months after account open date, credit reports show account was closed XXXX XXXX, XXXX months has transpired since the reported account open date, company and/or credit bureau continues to report the payment status as " not current '' each month on my credit reports with the most recent report showing the payment status of " not current '' being reported on XX/XX/XXXX, account is beyond the XXXX month term, and has been charged off over XXXX months ago. I demand the account be deleted from all my credit reports.
Product: Mortgage

I am a successor in interest on the mortgage. I tried to make payments and they were rejected. I went through the mediation process in Connecticut and it took about 3 years but we were finally given a modification. The State of Connecticut granted me {$50000.00} towards the arrearage and I began making payments. M & T bank sent back my 3rd payment and the {$50000.00} to the state of Connecticut. I then was able to pull together funds to reinstate my loan. It took the bank more than 2 weeks ( 10 business days ) to process my payment. It seems that they only processed it because my attorney told them that they were purposely setting up me to be late on my first payment after reinstatement. We have been requesting a payoff for 2 weeks and have not received anything. The banks attorney told us that we should be able to get something today ( XX/XX/year> ) but when I reached out to the bank they told me that I would need to wait another 5-7 days. I have not received a mortgage statement as of today and I can not get a payoff for 5-7 days. This means that my payment will be late and the bank who does these calculations are telling me that they can not do anything about it.Then my attorney called and was told that they needed to manually calculate the payoff and then send it to the investor to have it reviewed and approved. and this could take another week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent th em a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legislat ion passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Product: Checking or savings account

On XX/XX/30 a payment was made to XXXX but I didn't authorize it. So I disputed it they denied the dispute but XXXX sent the money back to them so they have the money and are refusing to give me my money and the are refusing to pay XXXX. 
Attached is the conversation where they said it was paid and my bill from XXXX WHERE IT WAS SENT BACK ON XXXX. AS OF TODAY CASHAPP IS STILL DENYING THE HAVE THE FUNDS AND ARE REFUSING TO PAY XXXX OR GIVE ME MY MONEY BACK
Product: Student loan

Federal student loans payment counts have not been updated since XX/XX/year>. I submitted several PSLF application also that have not been processed correctly. My request is to update my student loan information from XX/XX/year> to the current date. My submitted PSLF forms are not getting processed. I sent them in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>.
Product: Mortgage

Seterus will not send monthly statements after my bankruptcy even after verbal and written requests from myself and my attorney.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX  Regrettably, I have become a victim of XXXX XXXX  and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX XXXX XXXX, XXXX XXXX   AND XXXX XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTERS THEY SENT TELLING ME THAT THEY SOLD THE ACCOUNT. YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE THREE CREDITORS THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX Balance XXXX {$8600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$1200.00}
Product: Debt collection

Recently when I applied for a line of credit I was told that I had a flag on my personal credit report from XXXX different utility companies in XXXX  trying to collect money from me. I have never lived in XXXX! 

There are XXXX different amounts in collections and they correspond to XXXX different addresses. 

An amount of {$660.00} is in collection with XXXX XXXX XXXX XXXX after being owed to XXXX XXXX XXXX XXXX. The debt was accrued at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and went to collection in early XXXX A second amount of {$380.00} is in collection with XXXX XXXX XXXX after being owed to XXXX XXXX. The debt was accrued at XXXX XXXX XXXX XXXX, XXXX  XXXX and also went to collection in early XXXX. 

I have lived in XXXX, XXXX  since XX/XX/XXXX and can prove I was living here at the time these debts were accrued I was notified about this collection attempt in XXXX but believed the notice to be irrelevant since I have never lived in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to accept an updated report on a balance from XXXX XXXX since XX/XX/2020. I already had to report Equifax for attempting to illegally block a legal name change. Now they will not accept updates on this account. Balance has been paid off and Equifax is refusing to be truthful on this matter.,
Product: Credit reporting or other personal consumer reports

i check my credit report and i see this accounts in my report this accoutns dont belong to me.. delete asap XXXX XXXX XXXX. 
Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX & XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately
Product: Credit reporting or other personal consumer reports

I had my account freezing or over XXXX years and XXXX let companys run my credit report with a soft pull. On past and current times. They are report collection on my report that I shown different times on my XXXX XXXX ( XXXX XXXX XXXX ), and ( XXXX XXXX XXXX ) this account should be on my account. Showing late payments to account that I was not playing.
Product: Debt collection

I am writing to express my profound dissatisfaction with XXXX and its executive team as well as Jefferson Capital Systems regarding a serious issue that has recently come to my attention. 

In 2014, I reached out to the executive team at XXXX, telecommunications company, to escalate to them fraudulent charges by XXXX and complete dissatisfaction with their customer service which constantly inflated and misrepresented my monthly bills. I requested the executive team at XXXX to get involved, reverse the fraudulent charges by XXXX customer service and made a decision to close my account as a result of these types of issues on a monthly basis. XXXX 's executive team intervened, reversed the inflated charges, and assured me the account was closed with a XXXX balance. 

However, upon reviewing my recent XXXX credit report, I was shocked to see a reference to XXXX by Jefferson Capital Systems, a third-party agency I know nothing about. It appears that not only does XXXX tend to inflate monthly charges, but their customer service can't even close the account correctly. Additionally, XXXX transmitted my social security number to Jefferson Capital Systems, resulting in a negative entry related to XXXX on my credit report. This is outrageous and is very scary. 

First, I am deeply disappointed with the mishandling of my account closure. 
Second, I am outraged that my personal information was shared with a third-party agency without my consent. Both XXXX and Jefferson Capital Systems should be fined for my data bridge - I do not want my social security card number to be share with everyone in the world without my permission! 

I urge your team to resolve this matter promptly. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Somebody created an fraud account with XXXX XXXX using my name and tried to transfer money, in the amount of {$20000.00}, from my Citibank savings account ending in XXXX to the XXXX checking account ending in XXXX. This was initiated on XX/XX/2023. I called Citibank the same day ( XX/XX/2023 ) and informed the representative I was speaking with that I did not authorize this transaction and that it should be cancelled. The cancellation was then initiated per my request. I received e-mail from Citibank stated that they've stopped payment for this transaction and stop payment request will remain in effect permanently. But in few days this transaction was executed. After investigation Citibank sent me letter where they explained ( using wrong statements ) why they can't return money to my account.
Product: Debt collection

This was a XXXX time medical appointment that we had for my daughter and at the time said that my insurance covered it completely then got overcharged for seeing a specialist for over an hour when I attempted to tell them that I couldnt afford over the {$800.00} they asked me about financial aid which we werent legible for, so I said that I would attempt to make small payments in which I made XXXX, but that wasnt enough for them and they said that I didnt pay anything and sent me straight to collections so they violated the HIPAA law by selling my information right away even though I at least attempted via phone call to pay what I could. Then when I got scared that I was in collections I made a payment and asked them if I can be on a payment plan but now they just keep calling every single day like 3 to 4 times a day.
Product: Vehicle loan or lease

My account was overpaid by XXXX to TD Auto Finance when my vehicle was sold. I provided TD Auto Finance proof showing the funds were mine that was received by them on XX/XX/year>XXXX  and it is now XX/XX/year>XXXX  and I have not gotten my money.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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 th
an 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized inquiries from my credit report. I did not authorize these inquiries. Despite multiple attempts to contact TransUnion regarding this issue, I have yet to receive a response.