23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I do n't know what is going on but Equifax put a fraud alert on my report a long time ago, and I just found out that the reason I ca n't get credit limit increases or open any credit accounts is because of this. They 've done this to me before without me requesting it, and I had to go through so much trouble verifying my identity. They seem to place fraud alerts whenever I 've disputed inaccuracies on my report. Now I ca n't even view my report because they are saying I am answering the security questions wrong! Now, here 's the real issue : Equifax lets me get hit with hard inquiries but does n't provide verifiable information to creditors in order for them to approve me for anything! So my report has been pulled numerous times but not a single inquiry has even resulted in a clear approval or denial of credit! I have no idea how long this has been going on, but it is unfair that my score has dropped as a result of inquiries when the companies pulling have no way of getting my information!!! I DO NOT want to photocopy my ID, etc, and do all this mail-in nonsense with Equifax again! I did not request a fraud alert! A while back I disputed hard pulls because a company I applied for a loan with sent out my application to tons of banks without me knowing. If that 's the reason for the fraud alert a simple freeze would have sufficed. I ca n't even add my phone number to my report so creditors can " verify '' my identity.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

In accordance with The Fair Credit Reporting AcXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Bank Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. States that 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: Vehicle loan or lease

I have my auto loans with Nissan Finance and they are claiming that I not making payments on time, when that is not true. Every month I make the payment thru Nissan Finance website with one time payment. My complaint is if I have 10 days after my due date, why they are making my payments late when I scheduled my payments to be out on the XXXX of every months. Where is my money go. Can you please help me and try to trade my car for suv and this people are not helping me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist. 

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : XXXX XXXX XXXX XXXX  These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review. 

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

Sincerely, Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.
Product: Vehicle loan or lease

Credit Acceptance Corp Does Not Mention Any Third Parties Being Involved In Repossession. I Also Was Not Informed Of Any Repossession Being Put On My Vehicle. My Personal Information Was Sent To A Third Party Company & My Car Was Repossessed Illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be advised this is has been my multiple attempt to fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 

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

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX of XXXX, I sent several letters asking them to either remove the account or update the account to PAID AS AGREED, since the Statue of Limitation for negative reporting had been reached as of now I still have not heard anything from them. 

On XX/XX/XXXX I called XXXX XXXX and after several minutes I was informed that they could not find the account on file and I should contact their customer support team to get this resolved, which as of now has not been resolved. 

I tried to dispute with Equifax, but they keep reporting this account as verified even though XXXX XXXX says they do not have this account active anymore and it was sold to another lender. 

I am asking that there is some type of resolution from XXXX XXXX  to either remove this account or update to PAID AS AGREED, since this negative information is impacting my ability to purchase a house.
Product: Debt collection

I had an old subscription to XXXX XXXX for years. Since I didn ' received all the issues, when I received a mail in XX/XX/XXXX asking for renew ( always by Credit Card ) I didn't do it. 
Today, dated XXXX XXXX XXXX I received a menacing letter from a collecting Agency : North Shore Agency, asking for " my debt '' with the magazine ( that indeed I didn't receive never after the last  subscription ) and " offering a 'friendly ' renew of the subscription ''. I'm responding the follow to : XXXX XXXX -- -- -- -- -- -- XXXX -- -- -- -- -- -- Dear Sirs, I just received your letter enclosed. I regret to state the follow : - I never ask for a credit nor renew from XXXX  since the last and only mail received from XXXX, that I copy below, dated XX/XX/XXXX. 
- I didnt renew nor ask sents, then I dont owe nothing. Previous years was paid by CCard. 
- Unfortunately, I didnt receive at least half of the isues of my previous subscription, since many, many years. This conduct to dont renew it. I dont know if it was due to XXXX fails, or my courier fails, but they say that they didnt received the issues in XXXX. I live in XXXX and my address in XXXX is a forwarding courier. 
- Of course, I didny received ANY of the supposed previous letters from XXXX  that you mention. Only ONE was the OFFER ( rejected ) of XX/XX/XXXX. 
I say the late as feedback only. The main point is -as I said- I didnt renew any subscription, and the proof is that I always charge it to a C.Card, and it was not charged, because I DIDNT renew it. Stop. I dont know what point could be no clear. 
I dont know what kind of scam is this, but -by the way- Im copying to XXXX  and doing a claim in the FTC ( thriugh https : //complaint.consumerfinance.govXXXX ) If you or XXXX  did a mistake, please be so kind to correct. 
Thanks, and best regards,
Product: Credit reporting or other personal consumer reports

I received a hard credit check from One Main Financial loan company which I did not apply for on XX/XX/24.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX has 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 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: Vehicle loan or lease

Wellsfargo financed my 2019 XXXX XXXX car. During the purchase, I was asked if I wanted gap and I said no. After I signed all the paperwork and purchased the car, I received a phone call couple of days after that I must add the gap on my new car or else, Wellsfargo will not finance my car. I was forced to purchase gap and my monthly payment went up more than I planned.
Product: Credit reporting or other personal consumer reports

I filed disputes with experian and they responded that the disputes did not look like they were from me. So no action would be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 U.S.C 1681. 

XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX has 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: Debt collection

I disputed a debt that was on my credit with Phoenix financial services. On XX/XX/XXXX th 2020 The account was removed from my credit report. I never received any paperwork or documentation regarding this account. I dont even know what the account is. In XXXX XXXX XXXX the account was placed back on my credit report with out any notification. I have no knowledge of what this account is at all. I never received a notice that I had debt or they were placing account on credit. Never received a letter asking for payment or stating I could dispute the account. I want this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to speak with a real person at Experian for one week now. Called 3 different numbers getting the same results no matter what combination of numbers I push. I applied for a dept consolidation loan. Experian is showing 4 new hard inquiries on my credit report from that company that I applied with but the company is not receiving the report to process. I have tried every number including speaking with the XXXX call center which I actually spoke to a REAL PERSON. She said that I had the wrong number and gave me the supposed number that I have been calling for a week. 

think what is going on is I applied for a loan that experian suggested through an email i recieved through XXXX XXXX but I was shopping around and tried a different company. I know that experian gets a kickback for this application so I am wondering if they are blocking the report to the other company because of there vested interest. This is beyond frustrating!!!!!! And on top of all that this agency CFPB tells me it will take 15DAYS!!!! for anyone to see this complaint! WHATS THE POINT!!!!! 

There is no freeze on my credit report!!! 

What in the world is going ON!!! 

Will anybody listen!!!!
Product: Mortgage

In late XX/XX/2018 I received a letter from Wells Fargo Bank dated XX/XX/2018 stating my mortgage had been transferred to XXXX XXXX & XXXX XXXX XXXX effective XX/XX/2018. It stated my servicer would be XXXX XXXX   XXXX, XXXX. ( Copy Attached ). On XX/XX/2018 I received another letter from Wells Fargo Bank stating XXXX XXXX XXXX XXXX would be servicing my mortgage loan. ( Copy Attached ) Meanwhile I made my XXXX and XXXX payments to Wells Fargo Bank. I have received a statement from Wells Fargo Bank for my XXXX payment. ( Copy Attached ) I have not received any letters or documentation from XXXX XXXX & XXXX XXXX XXXX or from XXXX XXXX XXXX XXXX about this matter. 

I wasn't notified 15 days before the transfer of my mortgage and it seems to me that further notifications I should have received never took place. Please help me with this because I do not want my mortgage payments or home jeopardized. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted three times since XX/XX/2018 to remove accounts from my report that does not belong to me. Each time Equifax says the accounts are verified but again, they do not belong to me so of course when asking for verification there isn't anything to show as well and I have already sent my identity theft affidavit to them each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/15 I have an account that was opened in my name and i sent a letter to the creditor as well as Transunion. Transunion allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful .... 

XXXX XX/XX/15 XXXX XX/XX/15
Product: Debt collection

Bull city financial solutions account XXXX This Account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed account ( s ) Below IMMEDIATELY from my credit reports
Product: Debt collection

NCC Business Service collecting for XXXX XXXX XXXX for daughter 's apartment rent. I ( XXXX XXXX father ) was on the original lease. Lease expired, under pressure daughter signed new lease ( XXXX XXXX did not ). Daughter moved out XXXX charged daughter XXXX XXXX with breaking lease. Sent lease collection to NCC. NCC/XXXX have XXXX XXXX under collection but he is not on the lease. XXXX cant provide proof XXXX XXXX was on lease but still not changing credit score. NCC will not provide proof of lease either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting Ch XXXX Bankruptcy on my credit report. This has cause me to be denied credit every time my credit is ran. This is not fair because I paid all my creditors with my retirement fund instead of filing a Bankruptcy. When I lost my job I inquired about ch XXXX but never entered into the chXXXX and I have a letter stating " Dismissed before Confirmation ''. I will attach the letter from the court and he letter I sent Transunion request it be removed. I this is defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to XXXX, XXXX and transunion  in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.