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

On XX/XX/ I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. Experian replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/ so that means the credit bureau did not thoroughly investigate this account.
Product: Credit reporting or other personal consumer reports

I have an inquiry from XXXX And CITIBANK NA , BEST BUY that I do not recognize I have never applied to any of these institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from XXXX XXXX. How does what the XXXX is saying trump this? I do not owe this money! I have satisfied my student loan debt and these accounts from XXXX XXXX should be removed. This is a sham and a scam. XXXX XXXXXXXX is defunct so exactly who do I send the money to, the tooth fairy? Give me an address and a phone number of someone to contact. The number on my credit report is incorrect. XXXX WILL NOT RETURN MY CALLS!!! I've left three voicemails on their fake consumer advocacy number. They are no helping they are trying to con me out of money that I do not owe according to THE FEDERAL GOVERNMENT.
Product: Credit reporting or other personal consumer reports

I recently went through XXXX XXXX to obtain a HELOC loan to consolidate existing debt. Not to take on any new debt. I was successful with that and obtained the loan. As a result of me consolidating that same/ existing debt, my credit score dropped well over XXXX points with XXXX and Equifax Inc . I contacted both the bureaus and neither one of them could provide an explanation as to why after reviewing the report with me via phone. They both said that they would submit a research request to have this looked at. To date, I haven't heard anything from either of the them. My XXXX report seemed to not have changed. The irony is that 6 months prior to my obtaining this HELOC loan, I obtained a regular UNSECURED loan to consolidate debt and my credit score rose significantly. Bear in mind that I could only borrow so much in an unsecured loan. Which is what prompted me to get a HELOC loan to consolidate all existing debt, lower interest rate, improve debt to income ratio, and improve financial picture. My score shouldn't have dropped. There has NOT been any types of factors with my credit that would've caused this ( ie. judgements, collections, late payments, charge offs, etc. ) I need this fixed and addressed immediately please. I have attached what my credit score shows as of right now. Prior to debt consolidation, both scores were above XXXX. Thanks for your help
Product: Credit reporting or other personal consumer reports

To whom it may concern, You are reporting this collection Account name : National Credit Systems Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite XXXX XXXX complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Early Warnings LLC, I am writing to formally request the pulling of my consumer report. Please find below the necessary details for processing : Name : XXXX Date of Birth : XX/XX/1987 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I understand that this request may take some time to process, but I kindly ask for your prompt attention to this matter. Please inform me of any additional steps or documentation required from my end. To send a copy to my email, my email is XXXX. 

Thank you for your assistance in this matter. If you require any further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
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 {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

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 and 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 ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Product: Student loan

have a consolidated loan it is now with Nelnet. Half of my loans were discharged quickly with XXXX. However, Nelnet still has not discharged the rest Through XXXX vs. XXXX. I had spoken with the person whos over my borrowers defense application. I was informed that nelnet would be notified to discharge the remaining balance of the loan. It's a year later and nelnet still hasn't discharged the remaining balance. I'm aware that discharges have been taking place yet i still have loans. I'm tired of playing this game between nelnet, borrowers defense and fed aid. I need the remaining portion discharged as promised. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Don't post no response to an unclickable link. You knew exactly what you were doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a walk-in-tub about four years ago and I was told that the loan with Aqua Finance did not go through so we paid cash, XXXX and XXXX. Now after I notice that my checking account was being charge {$280.00}, per month, I closed that account and found out that Aqua Finance had been charging me monthly for windows, I don't have windows done by this company. I agreed to pay a settlement amount of {$15000.00}, with a XXXX XXXX on XX/XX/2021 and the agreement was to be good until XX/XX/2021, my escrow company mailed out the check for said amount on XX/XX/2021, and now aqua Financial is paying word games and trying to extorted another {$4000.00} out of me.
Product: Credit card

I opened an account with First National Bank of Omaha ( FNBO ) on XX/XX/XXXX and they ran my credit and I was approved for {$8500.00} dollars. As of XX/XX/XXXX FNBO decreased my limit to {$3700.00}.

I have a balance owed of {$3300.00} with an available balance of {$320.00} Which by far has trickled a BAD RESULT with all credit companies CREDIT COMPANIES. If I apply for credit I am denied ENDLESSLY and they have RUINED my CREDIT FOREVER.

FNBO decision was not based on non payment or late payments.

FNBO decision was based in part on a scoring system that was used to predict your creditworthiness? 
This was all started by First National Bank of Omaha The reasons are : : : : Total monthly payments on open credit card accounts Current payments amount as % of amount due Number of revolving trades with a balance NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH First National Bank of Omaha OR FOR THE MOST PART ANY OF MY CREDIT CARDS. 
IN ORDER TO OPEN AN ACCOUNT WITH XXXX THEY RAN MY CREDIT AND MY SCORE WENT DOWN AND I HAD AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS? 
Attached bank statement from XXXX of XXXX and letter from them showing decrease in credit limit. 


They have definitely been successful with RUINING my credit by decreasing my AVAILABLE credit. 

What justifies them to decrease my account balance if I do not have non payment or I am not late on my credit card payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX, Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX  needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX SS Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed
Product: Credit reporting or other personal consumer reports

my credit report sent alert that my XXXX XXXX loan was reported 60 days late on XX/XX/23 which is wrong! n I have a payment agreement and have not missed any payments. I verified my bank account and all payments have been made. All payments below were taking.l. I called XXXX XXXX and they claim they dont show any missed payments on my ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials about this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I went into Covid forbearance. It reported late for 11 months. Never indicated the reason why I was in forbearance now I cant even get housing I feel it is not reported correctly because it is made to look like I just didnt want to pay it. Now credit suffers leaves me no where
Product: Credit reporting or other personal consumer reports

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. Experian, XXXX and XXXX. They have the documentation to support that this account is fraudulent and needs to be removed immediately. I will be uploading those same documents to this platform.
Product: Vehicle loan or lease

I purchased a vehicle form XXXX XXXXXXXX XXXX in XXXX Kansas, which was a disaster I received a call from the bank regarding the loan and to let me know that the dealership had put extra features in the cars description that the car didnt have, I reached out to the dealership and had no answer and I also reached out to the bank Im in the XXXX currently stationed at XXXX XXXX serving the XXXX Brigade support battalion about to deploy overseas and I need this matter taken care of and besides I took legal advice from XXXX XXXX XXXX XXXX and was to learn that the contract of the vehicle is in violation with the military lending act I just want my down payment back and get rid of the vehicle its been more than two months that I have the vehicle my temporary tags expired and I cant register the car because I havnt received the title or gotten any answer from the dealership I pelase Need help
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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

As of XX/XX/year>25 my savings account with the amount of XXXX was closed. When asked why, I was told they couldnt tell me due to fraudulent activity. I want to know why when I have never done anything fraudulent. I have reached out and havent gotten any answers and no one has helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX  ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

NBT has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an XXXX XXXX, my XXXX XXXX included coverage for the remaining balance of the loan and any other outstanding fees. 

NBT is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my XXXX XXXX was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.
Product: Mortgage

Wells Fargo purposely turned off my auto payment. This resulted in them charging me fees and reporting to the credit organizations. I did not make this change, the Wells Fargo banker did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Experian credit report by XXXX XXXX XXXX and XXXX XXXX XXXX. According to the Nationwide Multistate Licensing System ( NMLS ), this company is not licensed to collect debts in the state of ARIZONA. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in ARIZONA constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Experian is obligated to investigate and correct or delete unverifiable data. 
Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX is licensed to collect debts in ARIZONA. 
Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 
Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 
Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
Documentation from the Nationwide Multistate Licensing System showing that XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX is not licensed to collect in ARIZONA. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

There is an inquiry on my credit report from M & T bank Ind that was added XX/XX/2018 that Im just now seeing and I dont know of them or never gave them permission to open an inquiry on my report. Their location is XXXX, NY with phone number XXXX
Product: Credit reporting or other personal consumer reports

There are late payments on my credit report that appear incorrect based on my history. Please address and fix these mistakes.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.