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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXXXXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am entitled to an accurate and verifiable credit file. 

The information reported is incorrect and does not align with my credit history. 
Specifically, the account details, status, or payment history contain errors that need immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX/Atlantic Capital B I received a copy of my credit report and I have found the following items listed below to be in error. XXXX Pursuant to 15 USC 1666b 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. 
I NEVER gave either XXXX OR XXXXAtlantic Capital B any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Self/Atlantic Capital BXXXX have caused XXXX XXXX and XXXX due to the abusive and unfair practices. Both XXXXAtlantic Capital B , should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, XXXX  and Transunion have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

In 2015 the XXXX XXXX XXXXXXXX XXXX made me move out of an apartment that almost hurt my son, its something they need to take up with XXXX XXXX and accuse me of theft and damaging property which Ive never done anywhere Ive lived in my life, I told the company Im not paying the collection and they need to contact the XXXX XXXX and leave me alone, that apartment almost XXXX  my son, Im not paying for nothing I didnt do including what Im being accused of.
Product: Student loan

Nelnet consistently can not grant me access to my accounts. I am currently trying to reset my password that they deleted themselves but it states I have no valid email address associated with it despite receiving emails from them recently. Customer Service will not answer the phone after several 3 hour waits and I can not make my student payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Axos bank put 2 inquiries on my XXXX credit report that I didnt authorize. Both inquires occurred on XXXX. They hard checked my report for a service that was supposed to soft check as stated by their website. I have gotten in contact with axos bank support team several times and nothing has been resolved. I emailed first on XXXX and explained unauthorized inquiries. A second email was sent XXXX to attempt to reach out to them and nothing still has been resolved.
Product: Credit card

My name is XXXX XXXX, I am a customer with capital one for XXXX years. I want file a complaint about my credit interest charges. 
In XX/XX/XXXX evening, I received a letter from capital one, tell me my accounts are frozen, I should call a number to unlock my accounts. 
In XX/XX/XXXX, I made a phone call. They tell me they can not take care this issue during weekend. Ask me call them later. 
In XX/XX/XXXX, I called them and unlocked my account. I have XXXX checking accounts, one has more than {$32000.00} and the other has more than {$6000.00} in the accounts. 
I set up autopay for XXXX years, this month the payment date is XX/XX/XXXX. They can not charge me because they frozen my accounts. 
In XX/XX/XXXX, XXXX day after unlock my account. they charged me interest {$89.00} from my credit card and {$4.00} from my wifes credit card. 
In XX/XX/XXXX, they charged me {$27.00} for past due fee and {$25.00} from my wifes credit for past due fee. 
In XX/XX/XXXX, I found these charges when I check my online banking. So I call them, they transferred me XXXX times, from XXXX department to the bank department, and from bank to the credit, and to the bank, and to the credit- - - Finally, they said they can return my past due fee, because I didnt anything wrong to cause the pass due. But they can handle the interest, its above them authority. They give me number ask me call them. 
In XX/XX/XXXX, I made a call, after transfer me several times, they said they can not refund me the interest charge. 
This is why I am here, I think I didnt do anything wrong. I have enough money in my bank accounts and I set up autopay. They can not withdraw money from my account because they frozen my accounts. I unlocked my accounts as soon as I can. 
For example, I owe you {$10.00}, I want return {$10.00} to you with cash, but you refuse take it. Can you charge me past due fee? 
I am asking capital one refund these XXXX interest charges. XXXX is {$89.00} and XXXX is {$4.00}. 
I believe every phone call we made have been recorded. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I disputed a mark on my credit report being listed by XXXX XXXX and the dispute results came back as " verified and accurate ''. Thus, I wrote XXXX XXXX a letter asking for the records used to verify the debt. In fact, I specifically asked for a copy of the original contract and full accounting for the amount claimed to be owed. However, In XXXX 's response letter, I didn't receive neither of the requested documents nor did I receive any other documentation that validates this debt. Furthermore, in XXXX 's response letter, it is stated that I didn't provide sufficient or specific information that explains the basis for my dispute. This is false. Once again, my basis for the dispute is that I have no knowledge of this debt, thus, I do not owe the amount claimed to be owed. I have attached the documents that XXXX XXXX is trying to use to verify this debt. This document does not prove that i owe this debt. Thus, how could the results have come back as " verified and accurate ''??
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXte of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

My son got a message today stating that I was getting served papers. I didn't know what it was about, and we listened to the message. The person said that they are with the XXXX XXXX XXXX for XXXX XXXX, XXXX and they said that person with a birthday of XXXX was to be served in so many words. The person left a number and so I called it. The person that i spoke with was so rude and ugly about an account that I have no knowledge of. The message said that the XXXX XXXX  XXXX  has been trying to settle the balance and that they were on there way between XXXX and XXXX to serve papers to me, but I got no calls on my number, and I don't give out my son 's number at all, but they got in contact with him. She also said it was an account that was from XXXX, and i remember I also had a XXXX  XXXX credit card, but this was after XXXX. She was too busy popping her tongue and being rude. The person on the voicemail was only doing there job and said the number that needed to be called, It was like a game to the women who I spoke to. to figure out what was going on. Apparently, I am being sued for something I have no knowledge of. I filed a police report as well since I had no knowledge of someone having my information and getting an XXXX XXXX. They told me to call back if they arrive here at my home.
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXXXXXX credit card : Acct # : XXXX, has violated my rights. 


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

've tried numerous times to fix errors on my credit report to no avail. It's crucial that you take action now to delete the following accounts.I urge you to conduct a thorough investigation into these accounts and take prompt action to remove them from my credit report. Failure to do so will leave me with no choice but to escalate this matter further, seeking legal recourse as necessary. 

I expect a swift and decisive response to this urgent matter. Thank you for your immediate attention to this issue. Here 's the list of accounts and inquiries I want to delete XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

CONSUMER PORTFOLIO SVC Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I sent him photos of the house to prove that I did not owe for the blinds that is stating in the ledger from the rent report also that the house was cleaned. Theyre trying to charge me for cleaning and touchup paint Tennessee law states they cant charge me for either
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account on my credit report that I believe is fraudulent. I attached letter together with the FTC.
Product: Credit reporting or other personal consumer reports

I have an alleged debt with XXXX XXXX XXXXXXXX. I have attempted to dispute with Experian. From there I was told to contact XXXX. I did this via postal service on XX/XX/XXXX requesting validation of debt, which per my consumer rights of NY they have 5 days to send this information. Nothing was sent. I sent another letter on via postal service on XX/XX/XXXX stating I still have not gotten information. I wanted the debt removed from my credit report. I again sent another letter on XX/XX/XXXX, again with no response. Through all these letter I asked for correspondence to be done via mail. Since no response I went back to Experian to dispute again as per my rights it should be removed due to company negligence. XXXX has to follow all consumer rights or CAN NOT report on a debt which they continue to do. Letters attached below.
Product: Mortgage

On XX/XX/2016 my XXXX XXXX School was to partner with XXXX XXXX and XXXX XXXX from Academy Mortgage to offer a 3 hour continuing education course for XXXX called XXXX at their office located at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ. We agreed Academy would pay a {$100.00} sponsorship fee ( which included a {$50.00} discount for hosting the class ) in addition to attendees paying {$20.00} per ticket via our registration website on eventbrite at XXXX. On the day of the class we had XXXX people attend who did not pay and XXXX people who did pay and could not figure out how this possibly happened. We taught all of them, and had to provide continuing education certificates regardless of if they paid to attend or not. We also tried to collect the {$20.00} fee after class from unpaid attendees and were unable to collect payment after the fact from XXXX students. We later found out Academy Mortgage had fraudulently reproduced a similar registration site on eventbrite.com with our school information and sold FREE tickets to our event without our knowledge or permission. The course they sold free tickets for is the intellectual property of my XXXX XXXX School. We learned this information from XXXX XXXX who sent us copies of their free tickets from Academy Mortgage and we had to honor ( copies of tickets attached ). At the time of the class Academy also invited XXXX additional sponsors to participate without any prior knowledge or permission from our School. I learned XXXX of the sponsors was with XXXX XXXX XXXX XXXX and another was with an insurance company but I was never able to identify which one. XXXX XXXX XXXX XXXX was sent an invoice for sponsorship which they paid promptly. Academy Mortgage refused to pay the invoice for sponsorship they agreed to XXXX XXXX, 2016 and offered XXXX agents a free benefit while allowing XXXX others to pay which is not fair. Both XXXX and XXXX acknowledged the {$20.00} fee in an email attached on XXXX XXXX, 2016. When XXXX XXXX and XXXX XXXX were confronted with this information, I was asked to speak with their supervisor XXXX XXXX. During our phone call when presented with the aforementioned information I was hung up on. I tried to collect the debt from Academy Mortgage numerous times unsuccessfully and they are still actively promoting XXXX classes. I do not want this harm to ever happen to any other persons and hope Academy Mortgage along with XXXX XXXX, XXXX XXXX, and XXXX XXXX will be held accountable for their blatantly fraudulent activities.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already submitted a complaint on XX/XX/year> with you guys and attached police report, identity theft report, and identification to request items be removed or deleted or proof of validity from previous dispute requests be provided. Either deleted in 4 days or proof be provided within 15 as law states. Some items were removed but not others and they were all identity theft. Companies responded still working on it but thats unacceptable because investigation was already done prior so where are the results validating these accounts and if not why are they still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at Angel Oak Home Loans LLC for a refinance I did not fill out the application Because they wanted my SS number which I did not want to give I called and they said they could do a Bank Statement loan and asked that I send my bank statements which they received and reviewed They called and said I did not have enought cash flow on XX/XX/21 Than on XX/XX/21 I got a letter in the mail saying they had run my credit Showing my credit score I did not give them permission to run my credit nor did I ever give them my SS number Angel Oak Homes Loans LLC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Took upon themselves to find out my SS number my guess through my bank statements And run my credit again without me ever giving them the number or did I sign anything giving them permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers. I  also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw a account reporting that I do not recognize. 

XXXX XXXX XXXX  opened XXXX XXXX with no data available. Account # XXXX.