23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- Disputed a Public Record item appearing within my credit file with Experian as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original furnisher ( XXXX ), tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, do not report to any credit reporting agencies to include XXXX, Experian, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to XXXX stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way XXXX reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. 

XXXX webpage also blocks at the discretion of Experian, consumers from uploading pertinent documentation to support disputes; tried multiples times with most attempts yielding a timed out or unable to process error message. This webpage would not allow me to upload dispute additional supporting documentation ( FCRA Dispute Letter Dated XXXX XX/XX/XXXX and Letter From The Court ) as stated by the Experian XXXX during a phone call on XX/XX/XXXX.
Product: Bank account or service

This is an account I have no knowledge of opening and belongs to someone else with same name. I am not aware of any balances that I owe with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive contacted Early Warning LLC to get my data report as Ive been denied several account openings because of their report. I submitted the request for report on XX/XX/22 and have not received any communication from Early Warning. The means to go about requesting the report online is clearly designed to deter submissions, and theres nothing in place to communicate if your submission was ever received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports from XXXX, XXXX and Experian and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. The inquiry in question is dated XX/XX/year> and was made by CAPITAL ONE VIA DEALER. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit report can only be pulled for specific permissible purposes, such as with my consent or for certain credit-related transactions. I did not authorize or provide consent for this credit inquiry to be made. Therefore, this inquiry is in violation of my rights under the FCRA.

1. Unauthorized Inquiry and Request for Removal The unauthorized inquiry in question must be removed from my credit report immediately. Under 15 U.S.C. 1681b, it is a violation for a credit report to be accessed without the consumer 's consent for an impermissible purpose. I request that you investigate this matter and remove the unauthorized inquiry from my report in accordance with the law.

2. Damages and Penalties In addition to the removal of the unauthorized inquiry, I am requesting {$1000.00} in damages under the provisions of the FCRA. Specifically, 15 U.S.C. 1681n provides for statutory damages for willful violations of the FCRA, which includes the unauthorized access of a consumers credit report. In accordance with this provision, I am entitled to receive damages for any harm caused by this violation, including the {$1000.00} statutory damages allowed for willful noncompliance.

Further, under 15 U.S.C. 1681o, I am entitled to actual damages if it is found that the inquiry was not only unauthorized but also caused harm to my creditworthiness, and any additional penalties for reckless disregard of the FCRA.

3. Request for Written Response Please provide a written response within 30 days of receiving this letter confirming that the unauthorized inquiry has been removed from my credit report, and that the necessary action has been taken to address this violation of the FCRA. Additionally, please provide any documentation of the investigation and corrective actions taken regarding this matter. 

Should I not receive a satisfactory response or compensation within the required timeframe, I will pursue further legal actions to enforce my rights under the FCRA.
Product: Student loan

First, my loan jumped form {$0.00} a month to $ XXXXusd. I am unemployed, called to change payment amount and asked the customer service representative if I was going to get a bad credit score since I am unable to make the payments. He assured me that I wouldn't and that he would fix the paper work before it would effect my credit, which was untrue. My inability to pay the amount was reported and my credit score went down 200 points. I called and 2 people told me that they couldn't help me and that I would have to submit an appeal. Then the third person I spoke to, XXXX XXXX said he would listen to the call between me and the representative and that he would retract the report if the representative did say it wouldn't affect my credit. He then told me to call him back the following Monday, which he did not. I have been calling him for the last three weeks- no answer and no call. Then today I called Navient, they said they have no proof of the conversation between me and XXXX XXXX. In the end, I finally received help, but it took a month and my credit score is now affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' XXXX : " XXXX XXXX XXXX '' Equifax XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Debt collection

Reported XX/XX/2024 : Account balance reported By Truist Bank {$10000.00} as Delinquent Account ** XXXX. XXXX has never banked with or has access to Truist Bank ** Only banks with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX Reported XX/XX/2024 XXXX XXXX XXXX Alert - Compromised Email Address Email Address : XXXX Password : Not Exposed ** Updated and changed passwords Reported XX/XX/2024 : SSN Tracker Alert Associated Address Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date reported to XXXX ** XXXX XXXX has never been associated with these locations. 
** Primary residence : XXXX XXXX XXXX, XXXX NY XXXX ** Never resided in Florida and / or have any relations there Reported XX/XX/2024 : Credit Alert - New Inquiry Reported By XXXXXXXX XXXX XXXXXXXX XXXX Within the last 18 months, XXXX XXXX has not inquired about new accounts with XXXX. Only holds XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Im filing a complaint against the company because I noticed a unauthorized charge of {$350.00} made on my account at XXXX on XX/XX/22 I contacted cash app about the unauthorized charge soon as I noticed it back in XXXX. They constantly ignore me and refuse to refund me for the unauthorized charge that was made on my account and Im very upset {$350.00} was stolen from me and the company doesnt even care and refuses to refund me for the unauthorized charge. I would like to sue the company if Im not able to get my refund for the unauthorized charge.
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 : # XXXXXXXX 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 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

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to formally dispute and request rectification for the adverse actions taken by Capital One on my credit account, specifically the reduction of my credit limit from {$4200.00} to {$2000.00}. This dispute arises from events surrounding the erroneous reporting of a 30-day late notice, and subsequent actions taken by Capital One based on this misinformation. 

On XX/XX/, I was alerted by XXXX, a third-party credit monitoring service, about a change in my credit file. According to the notification, a creditor reported a 30-day late notice, prompting Capital One to decrease my credit limit. After confirming this with Capital One customer service, I promptly contacted the credit bureau to dispute the error, and the correction was made on XX/XX/, resulting in an XXXX increase in my credit score. 

Subsequently, on XX/XX/, XXXX  reported an 80 % utilization ratio based on the new credit limit of {$2000.00}, despite my balance being {$1600.00}. I contacted Capital One customer service to rectify this, explaining that the credit limit reduction was a reactionary measure based on incorrect information. I was informed that to restore my original credit limit, I needed to reapply for a credit increase. I find this process unfair, as the initial credit limit reduction was a consequence of an error on an unrelated account, which has since been corrected and updated in my credit report. 

Despite my efforts, Capital One has refused to correct this unjust reduction. On XX/XX/, I received a letter from Capital One requesting me to call customer service regarding the dispute letter I previously submitted. Upon calling, I was informed that I am still reported as 30 days past due, and if I wish to increase my spending limit, I must submit a request, subject to a soft pull on my credit report. 

I assert that Capital One 's reliance on third-party information and refusal to correct a reduction caused by an error on my credit report is unjust and may lead to further damage to my credit score. This may result in the loss of better credit opportunities and favorable rates. Moreover, I am concerned that Capital One is not adhering to government standards regarding the collection of customer information, and the denial of access to speak with a manager further compounds my dissatisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in last reported on my credit XX/XX/XXXX. Information they saying accurate is still inaccurate witch means they did not do a proper credit check and update the correct information. I shouldnt have a collection on my report because it was dismissed in a court of law and I have court documents for my proof. I want this removed from my report immediately or I will be filing for a violation of my consumer rights for every violation. This is hendering me and my family. Thats infrenging my rights of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XX/XX/XXXXwith ACCT # XXXX opened onXX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$7800.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$7800.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing in collections/charge off for XXXX $ from a company called XXXX XXXX. They have a phone number listed on the credit report as XXXX. This number is out of service and the recorded message states this is a mobile number and the mobile number you have dialed is no longer in service. It also lists an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have sent numerous debt validation letters and general letters asking for any documentation and no response is ever returned. 

First off, I do n't have anything knowledge of opening such an account. I do not know what it is nor can I get any information on this. I have set 3 debt validation letters with return receipt and receive no answer back. 

I have disputed this over and over, numerous times over the past 2 years and with no luck. Each month the balance goes up by about 27 to 35 . I have reported this account as fraud and ca n't find any information on it. I have never received any correspondence or phone calls from any company or collection company claiming to have this account placed for collection. 

This account has been on my credit report since XXXX with an initial balance of XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.
Product: Credit reporting or other personal consumer reports

1. How can the original creditor report a balance when it's been sold to a debt collector XXXX XXXX XXXX Account Number : XXXX Delete from report 2. This is not my collection XXXX XXXX XXXX Account Number : XXXX Delete from report 3. Dates of activity do not match XXXX XXXX XXXX  Account Number : XXXX Delete from report 4. This is not my collection XXXX Account Number : XXXX Delete from report 5. Dates of activity do not match XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Delete from report 6. How can the original creditor report a balance when it's been sold to a debt collector XXXX XXXX XXXX XXXX 
Account Number : XXXX Delete from report