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

I am writing to formally dispute an inquiry that was reported on my credit report on XX/XX/XXXX. I would like to emphasize that I never applied for or authorized this inquiry, and I believe it is inaccurate and lowered my score to due to this. I have called XXXX as soon as I saw that it was being reported and have been in contact with their customer security department and was provided case # XXXX and application # XXXX ( XXXX XXXX ) and they told me that as of XX/XX/XXXX a request was submitted to confirm there was no inquiry or application but it still shows on my credit report as of today XX/XX/2023. Contacted XXXX one more time XXXX and there is no letter or email they can send to confirm that the correction was submitted on XX/XX/XXXX. 

I have thoroughly reviewed my records, and I can confirm that I did not initiate any application or request that would have led to this inquiry on the mentioned date. Therefore, I kindly request that you investigate this matter and remove the unauthorized inquiry from credit report as soon as possible. 

I understand that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up to date information on my credit report. This unauthorized inquiry is not only affecting my credit score but also causing undue stress and conern.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card or prepaid card

This navy federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SEZZLE XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX and XXXX XXXX  acct # 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 a account without my written instructions.
Product: Payday loan, title loan, or personal loan

~Purchased a vehicle from XXXX XXXX , XXXX XX/XX/XXXX. Paperwork signed for a buy here, pay here loan. One month later I received notice that my payments where to be made directly to Pinnacle Bank, XXXX XXXX. ( see file attachment ). At n time did I sign any paperwork for the loan to be assumed by Pinnacle Bank, XXXX XXXX. 

~All payments made went directly to Pinnacle Bank . Total loan with interest ( see file ) was approx. 19000.00 until XX/XX/XXXX leaving a {$9300.00} balance! 

~In XX/XX/XXXX having relocated to XXXX XXXX , leaving the XXXX at my address/condo in XXXX I signed a surrender to the bank for the XXXX to sold at auction in XXXX XXXX as advised by XXXX XXXX ! 

~XX/XX/XXXX I flew to XXXX for thanksgiving and the XXXX was sitting in my driveway in XXXX XXXX with key under floor matte. I called the bank directly and was told it was a mistake and they picked up the XXXX while I was still there! 

~I called in XX/XX/XXXX. asking for auction bill of sale copies and was told the XXXX had not gone to auction yet! 
~XX/XX/XXXX I called and spoke to a " loan specialist at XXXX XXXX branch of Pinnacle Bank '' and I asked if there was any documentation of the auction sale amount? She stated " oh you don't owe anything, the loan is payed out! '' ~A few months later I still had not received ANY sale paperwork so I requested it again and pulled my credit report in a effort to buy a new vehicle and monitor my credit report. 

~I relocated back to XXXX XX/XX/XXXX and the first week here I called Pinnacle Bank and asked once again for proof of sale of the XXXX at the auction and was told by XXXX XXXX at Pinnacle XXXX that I owed a balance of {$4300.00} dollars from the balance of {$9300.00} and that the amount had gone to collections!!! She also said no paperwork could be located and was not in my file! she agreed to " do some research and contact XXXX XXXX, XXXX and request paperwork of the sale from them. 

~I called XXXX XXXX myself that day and was told by the former manager " there is no paperwork for any auction we got the XXXX back and resold here off the lott ! '' I aksed for the amount of the sale and copy of the paperwork of the sale and was told they could not release that to me?? 

~XX/XX/XXXX I pulled my credit report and realized the amount is now on my credit report as a bad debt write off with compounding interest! I spoke to XXXX XXXX again and she stated she would email me the " only paperwork they have as the record of the loan is incomplete! '' I received the file from Pinnacle Bank that same day. 

~She also stated the " owner of XXXX XXXX '' has a long time personal and professional relationship with Pinnacle Bank and they buy his portfolio of auto loans frequently! 
~The XXXX did not go to auction at all but in-fact went right back to the sellers lot at XXXX XXXX where they resold the XXXX for a undisclosed amount and sent a {$5000.00} check to Pinnacle Bank   leaving a unproven/undocumented left over amount compounding ( see file ) of {$4300.00} as indicated on my credit report of XX/XX/XXXX! 

XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I called AutoCred Inc last month and requested a payment deferrment. Whoever answers the call, never provides names and when you ask, they don't give their name. Whoever that employee was said that she will submit for me. One month passes, they dropped the ball and didn't do it. They are extremely unprofessional and don't know how to speak with customers. I called again today, XXXX in the morning and requester a payment deferrment. Again, no name was provided, I was told I will receive an email. It is now close to XXXX I have not received anything and although on XXXX XXXX says they are open until XXXX, automated phone message says XXXX. This organization seems very shady and the way they handle my car loan and speak to me is beyond belief. I don't understand how they are allowed to exist when they are discriminating, degrading and ignoring their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXXXXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.
Product: Mortgage

I recently closed on a VA Home Loan. I spoke to the Home Loan Guarantee Team today about the home being sold under false pretenses. The sellers defrauded the buyer ( me ) by stating there were no leaks and other blatant lies. One of the main concerns I have a sensitivity to water-borne pathogens and mold that has put me in the hospital numerous times. It was a key issue I told the appraisers, the lender, the seller, the seller and buyer agent, the closing attorney, and the inspector, and they all guaranteed the home never had a moisture issue. Meanwhile, what I thought was paint all over the walls was actually mold. And the roof was installed improperly and there was a hole in the roof letting water in the entire 9 years the house was in existence. You can see outside from the attic. The entire duct system wasn't working and it was extolled to be an amazing XXXX system. There were dead animals in it and it was an improperly installed system. I'm in about XXXX in repairs and I don't think I'll be able to live there. This is a serious matter and the lender/bank won't return any call. 

The repair addendum was never honored but my agent and lawyer bullied me into signing the closing documents. My closing attorney promised he wouldn't file those documents until I gave authorization he just wanted to get them done and ready. And he filed them anyway. He also said he would have the buyer put money in escrow to deal with a potential problem from the lack of completion of the repair addendum. But never did. And he won't respond to any calls or emails as well. 

I'm currently sleeping in my car and winter is coming. Thanks for any help you can provide. I have the cash flow and debt ratio to buy a new home but I have a bankruptcy and have used up Veterans eligibility so I need this home declared properly to reset that eligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have continually disputed incorrect information about  XXXX    XXXX   XXXX    XXXX  's on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 



I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 



Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 



Respectfully, XXXX XXXX XXXX
Product: Credit reporting

i have a collection agency ding for something on equifax and their online dispute says my information does not match theirs.
Product: Debt collection

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my XXXX rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately
Product: Mortgage

Citizens one sent me a letter in respect of non-payment of the " Property Taxes. '' Not only I do not have a tax dues rather no bill even sent in yet ( according to the city office. ) This can be confirmed by calling to XXXX XXXX XXXX @ XXXX. The person I spoke to in the city office is XXXX. 

The main complaint I have against Citizens one is there non-existent customer service and wasting customer 's valuable time. The contact phone # : XXXX provided in the aforementioned letter never connects to any one in their Real Estate Tax office. It just disconnects after going through all the menu options. It 's to mention that the same complaint in writing was made to Citizens One previously, and I was promised that this problem will be rectified. It appears nothing had been done other than constant harassment of the customer. I can be reached as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX Fac : XXXX E-mail : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on this company. The company generated a statement saying that Equifax has investigated and is reporting this information correctly. This statement is not true. My credit report still shows as delinquent and my credit score has been negatively impacted by this information. I am providing screen shots as of today to show that Equifax nor XXXX XXXX reported or responded honestly to the status of this case. They just entered a response without truly rectifying the problem.
Product: Debt collection

National recovery has not responded to a debt validation request that was sent on XX/XX/XXXX with no response within 15 days that has not been verified have attached information with no name for original creditor no name from the company sold please see attachment
Product: Debt collection

I was just checking my credit report and I found a collection report from Midland LLC reporting an account that I have proof that I have consolidated, renegotiated terms with the creditor and have been paying on for over a year on time, in collections, I have never been contacted by this company or been given proof of the debt from them or evidence from them that I even owe them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collection XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Inquiry date : XX/XX/2020 XXXX XXXX  Inquiry date : XX/XX/2020 Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. They are required for me to give permission to have this account furnished on my report under 15 usc 1681a2.
Product: Credit reporting or other personal consumer reports

MOHELA, which is severely impacting my financial stability. MOHELA is reporting my 8 student loans double as 16 separate accounts, leading to inflated debt figures on my credit report. This discrepancy has caused my debt-to-income ratio to soar, resulting in a significant drop in my credit scores with no fault of mine. 
As a direct consequence, I am now unable to qualify for a necessary home refinance loan, which is crucial for my financial well-being. This situation is not just an administrative error ; it is jeopardizing my ability to secure stable housing and manage my finances effectively. 
Despite my efforts to resolve this matter directly with MOHELA, the issue remains unresolved, and I am in urgent need of support. I respectfully request your intervention to ensure that MOHELA corrects this inaccurate reporting and helps restore my credit standing as soon as possible.
Product: Credit reporting or other personal consumer reports

I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights.

According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item.