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

I recently viewed my credit report on XXXX XX/XX/XXXX and noticed there are some hard inquiries on my credit report that do not have permissible purpose according to the fair credit reporting act. Anything furnished on my consumer report must have permissible purpose according to 15 USC 1681 B. I sent letters to XXXX, Experian, and XXXX to investigate the matter, but they have been unresolved ( see files attached below ). Can you please investigate and delete the inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX failed to removed hard inquiry from all three credit reports. Continue to follow up with XXXX XXXX and Transunion. Credit Inquiries remain.
Product: Checking or savings account

Well this is about the Wellsfargo overdraft lawsuit, I have been a customer since XXXX and have had my fair share of problems with them, but the issue I had on a number of occasions was when I would have written a check and it didn't go through right away or was held they would make sure the largest item went through first so every single thing after that ended up being overdrafted no matter how many there was, I remember one time XXXX  small XXXX dollar chargers i was charged XXXX {$35.00} overdraft charges and it has happen to many times, now it has been awhile since this has happen because I have smarted up to there practices but it happed several times over those years of being short on money and that is not all the problems I have with them it goes on and on and so far the only thing we have received from them is about them opening accounts with out our permission nothing about overdraft or anything else. Now I have 5 accounts with them for accounts in which I am talking about I can't really go back that far to look at them but I know they can
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX. As relevant proof I disputed these XXXX Funding accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report provided by XXXX XXXX to XXXX XXXX shows artificially low credit score due to nontraditional reasons. At the time of my auto loan inquiry with other Banks, my scores from the main 3 bureaus were XXXX, XXXX & XXXX. This company listed me at XXXX and could have negatively affected my chances at a better interest rate. They listed reasons such as " too few retail accounts '' and " limited history at address & phone ''. I have excellent residence history and have had the same phone number for 14yrs. 

In order to get a copy of their report, I need to send sensitive identification documents via fax or mail which is not secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : Preferred Lease Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX
Product: Debt collection

On XX/XX/XXXX, I bought a XXXX XXXX XXXX  from XXXX XXXX. I traded in my XXXX XXXX XXXX for a {$500.00} allowance. 

That car was sold, but the title was not transferred out of my name. I received a bill from XXXX 's XXXX XXXX stating I owed money for the towing of the XXXX XXXX XXXX  from the side of the freeway, which I was not in possession of at the time. I called XXXX and XXXXXXXX XXXX  and they said they would figure it out and not to worry. 

Now, I am receiving a collections debt for the amount of {$1300.00}, for the original amount of {$1200.00} and an interest of {$130.00}. 

After calling the companies initially, I did not receive any communications afterward about the debt owed.
Product: Credit reporting or other personal consumer reports

While in the process of trying to rent another apartment I ran into a problem with my credit history on an item from Hunter Warfield that has already been paid off however was never removed from my report, and now it is impacting me to secure a new apartment. Attached is a receipt of payment from the company that I paid out in XXXX. There is no reason for this to still appear on my report
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 Police 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 : XXXX Account number : XXXX {$4200.00} 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 Transunion 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, so I require you to send me all the documentation to prove that this information is accurate. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called XXXX XXXX multiple times this year to correct payment errors. XXXX XXXX was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and XXXX XXXX would hold these payments in a " unapplied funds '' accounts. As a result, XXXX XXXX was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted XXXX XXXX to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting XXXX XXXX with no successful resolution. There was an error on their part. I was never 30+ days late.
Product: Debt collection

In my last letter dated XX/XX/18 I mailed proof that the debt was written off by the original creditor ( XXXX XXXX ) but never received a response about this claim from the creditor. However, the creditor is still attempting to collect, which is in violation of the FDCPA. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They did not even read my letter and only sent a form collection letter in return!! Unacceptable!! 

I am attaching all correspondence below.
Product: Debt collection

Ive found suspicious accounts on my credit report that seem to have been added without consent. Immediate removal is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and equifax keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want equifax to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments. 

Really appreciate the help.
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/16 Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XX/XX/XXXX # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXXXX/XX/XXXX XXXX Ct XXXX XXXX XXXX EQUIFAX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit card

I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).
Product: Debt collection

My debt was with XXXX XXXX XXXX i.owed money to the card.they transferred it to alpha recovery or the bureas i made a settlement with them and paid it off its still shoeing on my report I owe XXXX XXXX XXXX and the bureas not true. Ita all been paid I would like it off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Equifax, XXXX and XXXX and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX I The reporting of these accounts are also violations of 15 XXXX XXXX XXXX The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. 10 Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated XXXX
Product: Debt collection

Repeated phone calls from XXXX to my place of employment stating that I owe a debt. Which is false. I called the telephone number referenced above asking for information in reference to the debt and was hung up on.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the XXXX XXXX Rights and Privacy Act ( XXXX ), specifically 20 USC 1232g. 

Account name : XXXX Account number : XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent. 

Enclosed are copies of my identification documents to assist in your investigation.
Product: Credit reporting or other personal consumer reports

I would like to dispute XXXX unauthorized inquiries that appears on my credit report from MB FIN SVCS and XXXXMERCEDES BENZ XXXX XXXX I did not authorize Mercedes Benz to perform a credit check and these inquiries was made without my consent. These inquiries are dated XX/XX/year>, and they're affecting my credit score negatively. I request that these unauthorized inquiries be investigated and removed from my credit report immediately. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to TransUnion that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. TransUnion never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their services on fear.
Product: Credit reporting or other personal consumer reports

RMP LLC has not demonstrated that this account is being reported with the highest possible accuracy as required by the FCRA. Despite my repeated attempts through both the credit bureaus and collection agencies to have this account validated, I have not received a proper response. This leads me to believe that adequate procedures were not followed, given the violations I have identified concerning my credit report and the unverified accounts in question. 

How can a dispute be considered resolved when the customer disagrees with the outcome? Who determined the dispute was resolved? No reasonable procedure appears to have been conducted, and it is a violation of my rights to claim that an account has been resolved when I did not agree to such a resolution, and the information remains inaccurate. 

This company has violated FCRA 623 ( a ) ( b ) by failing to properly mark this account as disputed ( see attached letters showing when I disputed the account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and applied for a car. I was told my credit was only being pulled by one dealership ( XXXX XXXX XXXX ), however, there are 38 inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX ( This is not the original dealership ) XXXX XXXXXXXX ( This is not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS 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

Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXX.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting