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

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Product: Debt collection

They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.
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 advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  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 XXXX  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 listed IMMEDIATELY.
Product: Debt collection

A debt collection agency is reporting negatively on my credit report and they should not be as arrangements for payment were made with the original creditor and a certified check has been cashed by the original creditor for the amount that we agreed upon. The only contact I have ever had with Financial Recoveries was to dispute the validity of a debt and request that they remove there account from my bureau reports. I had to make XXXX request for debt validation and when I finally received it, it was in an unsealed envelope with personal and private information exposed. Financial Recoveries have received proof of payment from me as well as XXXX XXXX showing my obligation has been met with XXXX however they refuse to remove the negative and incorrect info from my credit report. The original balance was {$1500.00} I settled with XXXX for {$750.00} which XXXX accepted and cashed my certified check but Financial Recoveries will not remove the negative info and are reporting that I still owe a balance of {$820.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  : {$880.00} XXXX XXXX XXXX  XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX Balance : {$330.00}.
Product: Checking or savings account

I started in 2019 investing in bitcoin, also investing in stock on cash app, i also use cash app to direct deposit funds into it. i have my stimulus and school refund checks direct deposited into cash app and cash app has been mishandling my account. they also have offered no protection to my account or my money/ investments, the other day they allowed someone to scam me and lock me out of my cash app and take over my cash app my bitcoins, my stocks and over {$500.00} worth of cash they refuse to respond to me or fix this, they even refused to look into this please help me i believe this is an inside job i need help please my cash app account name/ cash tag is $ XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX DEPT OF ED XXXX
Product: Credit reporting

On XXXX XXXX XXXX I checked my credit file and I had no inquirys to date. I checked today and there wefe XXXX new inquirys that i did not authorize. Except for XXXX.
Product: Debt collection

I have been receiving repeat calls, including early calls for the las t two m onths. In  XXXX  when I graduated school, I spoke with a Navient representative who told me that I would have a grace period of six months before my payments kicked back in. I was making smaller payments of {$200.00} while still in school. Last month, in  XXXX , I checked my account and they were asking for {$860.00} per month. I called Navient and I spoke with a Navient representative who told me that I did not have a grace period. I informed him that I am currently not working full-time and making these monthly payments were hard for me right now. I told him I would pay what I could towards the month payment and I am still making those payments, just not in the full amounts. They told me that they would not stop calling me or my co-signer until the full payment was made. When I asked for repayment options or how they could help me, the representative said that there was nothing I could do about these loans because they were private and the only way to get out of paying them would be to submit proof that I am not working and that my co-signer is not working. This is not an option as my co-signer is my father and he does work full-time but this does not mean he will pay my loans. I am an independent and wish to pay these on my own, it it just that the current plan does not work for me. They are asking for {$870.00} per month when I make an income of barely {$600.00} a month. I asked the representative if they could stop calling excessively as it 's interrupting my day to day activities. Yesterday, they called me repeatedly a total of 13 times. Here is a history of these calls including the times and phone numbers.     Wednesday,  XXXX   XXXX  --  13 M issed Calls  XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  : Unknown  XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX   XXXX   XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  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: Debt collection

They called my parents house number on a Sunday on XX/XX/18. I don't even live at this house anymore. Their phone number wasnt even listed on my XXXX XXXX account ( which is where this account originated from ). They called this house about once a day. They call from different numbers. They have more than 20 phone numbers under their company name and they dont even call my cell phone anymore which is the proper number that they should be calling. They called me 3 times on my cell number and that was it. The other times, they try to call my parents house number that I dont even live in anymore. They even have my proper house address that they've sent mail to before. I do not want them to send mail or contact this XXXX number ever again. I even just made a payment with them last week too online. Their website even says " dont feel like talking to us? Settle your debt by paying online ''. Okay, so I did that and I'm still getting phone calls only 3 days after I just paid them some money and they called a WRONG NUMBER on a SUNDAY!
Product: Checking or savings account

I received a letter on XX/XX/23 that stated I applied for an account with them when I most certainly did not. I called immediately and had that application cancelled. Im concerned about XXXX XXXX opening accounts without my permission.
Product: Debt collection

I received a call from a man identifying himself as XXXX XXXX. In the voicemail message he said he was calling from API. However in the next message he said it was Regency One XXXX. I did return the call once he wanted me to verify some information. Then he says well have " they '' contacted you. I asked who is " they '' and he said well I 'll tell you that later. Then he asked again, have " they '' sent a letter. Since I refused to respond anymore without know who " they '' were he told me it was XXXX XXXX XXXX. Then he states that his company is looking to forcibly collect a debt and will do so be either wage garnishment or placing a lien on my current vehicle.When I asked how would you place a lien on a vehicle that has nothing to do with this company or this debt he said well I do n't know m'am but they are looking to forcibly collect this debt. I explained to him that I would then contact the company directly and discuss this debt with them at which point he states that 's not going to work and that I have to pay them. I politely got off the phone. I did attempt to email the company he spoke about but as of right now I have n't gotten a response. He also contacted my mothers home and asked to speak to her. He would not provide any further information about his company ( i.e. contact/mailing info etc. ) And I 've attempted to find information on my own and have come up with 2 possible addresses and 3 phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : 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 filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the report.
Product: Mortgage

I received a loan offer that I agreed with the lender before releasing all the contingencies, after releasing the contingencies for the loan, a few days before closing I found out that my loan was not the same and they changed the terms to higher interest rate which caused higher mostrar Paymetns and also asking for a higher closing costs for about XXXX more. I didnt agree with the terms but I was told to sign so that we could start counting the days as we needed 3 days to process it. I was told by the broker that the bank changed the terms after we released the contingencies and that it was not his fault. Now if I dont. Close this property I will lose my XXXX and per my real estate agent also theres a risk that the seller will also ask for money from other damages. The broker said it was too risky to try to apply with other banks and that it would take about 2 weeks, pushing me to closed 2 days before closing date. I told them with time that o wouldnt qualify because I dont have enough for closing costs as they had increased the amount but they just lower the closing costs and increase my interest even more, causing the mortgage payment to increase again.
Product: Credit reporting or other personal consumer reports

( See attached for full complaint ) I have enclosed personal identification and a copy of FTC report to prevent any further stall tactics from Transunion
Product: Vehicle loan or lease

On twelve occasions payments made were applied 100 % to interest : per the federal truth in lending act every payment made, whether on time or late, must be applied to BOTH principal and interest : the dates are:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. When this is done, the principal is not lowered and ultimately the bank keeps charging interest on a principal balance higher than it should be thereby earning illegal additional interest. The bank is Santander Consumer USA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX  must be removed after 10 years from the date of filing. 
XXXX XXXX  bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX Acct # XXXX Reporting as an open account XXXX XXXX XXXX Acct # XXXX TransUnion is reporting these accounts as open on my credit report reporting these collections as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.