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

credit report not reporting correctly however I would need these items remove so my credit report can reflect accurately ACCOUNTS THE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I cashed my check of {$1200.00} at a XXXX XXXX. I then went to a Huntington Bank in the XXXX  XXXX on XXXX XXXX XXXX XXXX and deposited the money into my checking account at the ATM. After I put the money in the machine, the machine showed an error message and gave me my card back, but no receipt. I spoke the teller and she told me that they don't have access to the ATM or the cameras, so I would have to wait XXXX business days to receive the money. It is now Wednesday, and I still haven't received my money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a {$20000.00} credit card as closed which dropped my credit score dramatically and greatly decreased my available credit. The card account is not closed. I have never been late and have never missed a payment. I've contacted card company who confirmed card account is open and has never reported any derogatory information to any credit bureau. Only Experian is reporting and reflecting negative inaccurate information. I've called numerous times only to be transferred and left on hold. I don't know what else to do. This is so wrong and frustrating. Experian is reporting negative inaccurate information about not only my account but my authorized user as well. We really need your help. Has Experian hurt anyone else 's credit score? How is this allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is LVNV funding that has put on my credit profile two accounts alleging I owe them. I have contacted them through mail and phone explaining I dont know who they are and have never entered into any contractual agreement with their company. I further requested validation of any debt via a contract containing my signature in which they have not yet produced. I also explained that this is damaging to my credit profile prohibiting me from obtaining future credit thus creating a hardship for me. I explained Im well aware of my consumer rights and laws and they are in complete violation and need to be held accountable these are the account numbers acct # XXXX and acct # XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Target Card Services that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SBNASELFLNDR- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELFINCLEAD-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2019 I noticed a hard Inquiry was placed on my credit report from SYNCB/TJX CO I did not apply for a credit on this date this company has been giving me the run around for months!!!!! They keep telling me they are going to remove the hard inquiry and they have not removed it to this date!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1200.00} not mine
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During a Employment background credit check, a closed Capital One Card account, paid in-full is being reported as derogatory. 

Post an acrimonious divorce this account had been closed/ charged-off. Being in the XXXX XXXX, as soon as possible, I reached out to Capital One to pay the charged-off balance of {$1000.00}, XX/XX/year>. Given very few people pay-off charge-offs, I called card services and verified that the payment had been received and the account would be reflected appropriately. I was told yes. 

I feel after being forthcoming 5 years ago the punitive reporting of this account and the rating does not afford my record the appropriate credit -- The current reporting to future employers is negatively impacting my reputation, integrity and employ ability within the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX from XXXXl XXXX, # XXXX XXXX & XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX DEPARTMENT OF EDUCATION, XXXX XXXX XXXX DEPARTMENT OF EDUCATION, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XXXX XXXX XXXX is charging an additional {$10.00} to make a mortgage payment online and if you pay by phone they also charge {$10.00} to make a payment. There is no longer a way to pay your bill without being charged additional funds to pay your mortgage. 

There website also often does n't work making it difficult to pay your bill in general
Product: Credit card or prepaid card

Dispute Case ID : XXXX Transaction Amount : {$6.00} USD Dispute Amount : {$6.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 I disputed a transaction from XXXX  who had two accounts from me for 10 months taking out from me by Pay pal credit. Pay pal credit refused to assist me to get my money return from XXXX XXXX. Pay pal told me that I had to get my money to return myself from XXXX XXXX. 

I called XXXX on XX/XX/2020 and they told me that I had another pay pal account and my pay pal account I paid the both of the XXXX XXXX  is the XXXX account. XXXX claims that they can't verify that I paid XXXX a month out of my pay pal account and they need Pay pal to contact them, However, pay pal refuses to assist me contacting XXXX at their request to get my refund as I am their customer. 

I want Pay pal to get all my money return from XXXX XXXX  because XXXX is abusing me and Pay pal is abusing their powers as well. Attached you will find the transactions of the XXXX accounts and payments from the pay pal accounts. XXXX owes me XXXX from the XXXX accounts. The second account XXXX I paid XXXX, therefore, I will be paying on two accounts and pay pal been taking it out. of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is G XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete 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
Product: Credit card

I contacted Citi Bank at XXXX to close a personal credit card account I no longer use. The Citi Bank Representative informed me that I could not close the account without a valid reason. I told them I no longer need the account. The representative stated that was not a valid reason and put me on hold until I could come up with a valid reason. After thirty minutes on hold I discontinued the phone call.
Product: Credit reporting or other personal consumer reports

XXXX requested a background check in XX/XX/XXXX. Items on my background report were reported clear in XXXX. In XXXX I was placed in the considered phase which caused me to loose my drivers position with XXXX. The items on my background check was a speeding ticket from XXXX that was paid & cleared with checker XXXX & XXXX, two auto accidents that were not any fault of mine. A drunk driver hit me in XXXX, XXXX & a lady making a uturn hit me in XXXX XXXX I was not given a ticket in either accident. I disputed this information with checkr & on each dispute they wouldnt reinvestigation nor consider the documents for review.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX - Account # XXXX to XXXX and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If SST/Seedfi can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Product: Credit reporting or other personal consumer reports

there are multiple inquiries on my credit report that I did not authorize at all multiple disputes have been made to Exerian and they have failed to provide me with proof of the investigation that the companies had permission to make those inquiries to my credit report Experian and the companies have me going back-and-forth here are proof about the letters I had sent to Experian XXXX also sent another letter to Experian today XX/XX/2023
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I divorced in XXXX. My ex husband was to retain the house and refinance by XX/XX/XXXX. Our original loan was with XXXX XXXX  XXXX. He did not comply and did not refinance the house and remove my name from the note and mortgage. On XX/XX/XXXX he obtained a loan modification ( unbeknownst to me ) from American Home Mortgage Servicing Inc . Someone forged my name. I was never contacted by this company in regards to the loan. 

On XX/XX/XXXX XXXX XXXX  XXXX XXXX assigned its Mortgage to XXXX XXXX XXXX. 

On XX/XX/XXXX my ex husband obtained a second loan modification with Homeward Residential Inc. Again someone forged my name. I was never contacted once by this company either. 

I have sought legal help several times before finding our about the forgeries to have my name removed from the note. On XX/XX/XXXX XXXX ex was found in contempt of court and order to refinance but fell gravely ill with XXXX and died in XXXX. 

On XX/XX/XXXX my attorney sent a letter to the mortgage company detailing what occurred and requested that my name be removed from the note. He did not receive a response. 

Because of this, I have never been able to purchase a home. Ive been told I may qualify in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, XXXX I have tried disputing these negative errors on my credit report, for not paying. I disputed with XXXX, Comenity Bank, by uploading, mailing documents of payment history. I have all of the documents of the payments made. I had set up a payment plan with Comenity Bank to have the money withdrawn from my account each month, in which they did. 
Then they closed my accounts, without my knowledge. With them not updating my credit report, It has been stressful for my health. I already have serve health condition, which has gotten worse during this stressful time of going back and fourth. 
I would like this resolved, so I dont have to go through this anymore. If I was in the wrong, I would understand, but I am not and have PROOF of all my payments. 
With them not removing the negative late payments, has caused me to have an extremely high interest rate with a car loan and car insurance. 
I started disputing these items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX. 
If someone could get back to me, keep me updated, I would appreciate it. All of my documents are attached. 

Best, XXXX XXXX XXXX XXXX XXXX, XXXX  Rhode Island XXXX XXXX XXXX
Product: Credit card or prepaid card

I keep getting a statement from PAY PAL credit card weekly about the charges that I never used. I had submitted the report to PAY PAL for resolving these fraudulent statement but the charge is sill coming from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

The consumer and natural person is submitting this complaint.