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

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You are reporting false information. I requested an investigation be done, and its obvious that you did not use the maximum possible accuracy or procedure to create the maximum possible accuracy. I gave you the account number and the problem thats being reported on my credit report when its not my debt. I asked you to do an investigation since XX/XX/XXXX I've called and spoken to you guys several times and just end up on the phone with people who arent willing to help and do their jobs. it's unfortunate to keep dealing with this nonsense. Your investigation was done in an improper manner. You were negligent in your investigation. Your whirlpool in your investigation and you're leaving me with false credit reporting. I'm protected by law according to FCRA, 15 USC 1681. I'm entitled to take legal action against you for doing a lousy investigation. A real investigation means you review documents, you talk to people, and you do whatever a reasonable investigation would require to get to the truth. I am XXXX XXXX, stating that the accounts you are reporting are false and do not belong to me. You're violating my rights according to the FCRA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You stated the account was verified, but how is that possible if you did not do a proper investigation according to the law? Also, every piece of information on this account is still not 100 % accurate because this DEBT does not belong to me and, according to the FCRA, 15 USC 1681, everything has to be 100 % accurate. The Fair Credit Reporting Act ( FCRA ) has very favorable damage provisions for citizens of both negligent and willful violations. FCRA 1681o applies to negligent violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect DOB - 1992 Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have reached out on my credit to XXXX and other credit bureaus about this issue XXXX has stated that these accounts just open XXXX XXXX XXXX and the last payment was made XXXX I wasn't even in the state of XXXX and I was homeless no job and I told them that is not me so I did a little more research myself and called the XXXX XXXX XXXX that was located on my credit report and they said that someone used your information and describe my information and they said that they sent these private loans to two different accounts that the person did it online and I'm like well that is not me and they would not provide me any more information so XXXX XXXX went and had to investigate but did not do it thoroughly investigation and only identify my information of date of birth social and not ask the XXXX XXXX when was these accounts open because they told me the account was open XXXX that's what the student loan board told me and XXXX told me the counts was open XX/XX/XXXX so something is not adding up and they said it's XXXX different accounts it's not the XXXX account XXXX told me but the XXXX XXXX told me those XXXX loans are equal to the XXXX account it is not me
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX/2023
Product: Credit reporting or other personal consumer reports

I am submitting this present complaint to follow up addressing the fraudulent items listed below that are currently appearing on my credit report, which is a violation of federal law. Again, I appreciate that some of these items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that several fraudulent entries still persist. Under the provisions of the Fair Credit Reporting Act, specifically 15 USC sections 1681, it is mandated that the listed items in the ID Theft report be promptly removed within the legally stipulated timeframe. The continued reporting of inaccurate information is adversely impacting my credit standing. Below is a summary of the fraudulent items that are still present on my report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX  credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX  has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
inquires XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification about some charges that are not mine on my credit report and tried to dispute them with, XXXX, Equifax, and XXXX, well all of them were able to fix the problem and the only that didn't was Equifax, I tried reaching to them more than 4 times requesting their attention and they havent resolve the issue even when I sent them police report number and federal trade commission letter. At this point I don't know what else should I do, I don't want to spend time and money on Attorneys but I want my problem to be fix
Product: Vehicle loan or lease

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
JPMCB AUTO-XXXX-Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of my XXXX/DOFED XXXXXXXX loan account reporting on my credit report. This account was sold/transferred, yet it is being reported as a new account, which has negatively affected my credit score. Additionally, the open date is incorrect ( 2017 ), and I never received a legally required transfer notice, violating the 15 U.S.C. 1641 ( g ) ( 1 ) ( TILA ).

Legal Basis for Dispute *15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) requires accurate reporting.

*15 USC 1641i ( a ) ( 1 ) ( A ) requires credit bureaus to investigate and correct errors.

*15 USC 1641 ( g ) ( 1 ) ( TILA ) requires loan servicers to notify borrowers of loan transfers within 30 days. since I never received notice, the verification of this account is invalid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Money transfer, virtual currency, or money service

WesternUnion XX/XX/20 - I contacted the WesternUnion after sending {$1300.00} USD to someone in XXXX. The bank in XXXX said all 4 of his names needed included. I submitted 3 of his 4 names. I called WesternUnion 4 times to change the name and they spelled the name incorrectly every time until they told me they could not change the name. They told me they could refund me the money but wanted me to wait 7 days. This was a WestenUnion problem and the money I sent was for plane tickets. I should not have to wait 7 days for WesternUnions mistake. The manager on the phone also continued to call me maam and I am a Male not a female. I corrected him and he continued. Customer service was terrible.
Product: Vehicle loan or lease

Application for Auto loan was made on XX/XX/year>. 
I never received a notice of denial of credit. 
Social Security ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX  report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX   XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,
Product: Mortgage

The company refused to recognize income from a full-time position from co-borrower due to there being two sources of payment. I was told the reason for not using the income was because it was considered two separate roles. The refusal to use the income reduced the amounts offered to us for our HELOC below our threshold for the project. The process has taken a long time and puts us in a tough spot. All the while we know we have the required income to increase the amounts offered. 

I have explained that this is in fact a full-time position and questioned the logic of the underwriting team. I have not heard a response or any type of closure to the issue.
Product: Credit reporting or other personal consumer reports

I found the following improper hard inquiries on my credit reports. Specifically, there are duplicate hard inquiries for pre-approved mortgages : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX There are duplicate hard inquiries for pre-approved car loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX There are unnecessary hard inquiries for pre-approved credit card applications : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. I also asked for the original contract to be provided and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX  Inquiry from XXXX  XXXX, XXXX + Auto Financing Classic XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Dba XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago
Product: Credit card

I have a card that has XXXX points earning levels the secondary level is XXXX points after a spend of XXXX within XXXX year. I met that requirement back in XX/XX/year>. I called the company in XXXX to find out why the points had not posted. I initiated XXXX additional follow up chats with the company regarding the issue and the points have still not been posted. It has been well beyond 30 days since I first initiatiated the question about the missing rewards with XXXX chat follow ups that keep pushing the date for resolution out. I want my missing points credited to my account. All agents have confirmed that I have met the requirements and I want Barclays to honor their word!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

Chapter XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided
Product: Debt collection

XXXX dollar debt was charged to XXXX  XXXX bank, that was not account I did not open. I have filed a report with the fraud department as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with the company stated below CAPITAL ONE XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into CAPITAL ONE, XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors above is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUNT THIS FRAUD INACCURATE ACCOUNT STILL REPORTING UNDER MY NAME. 

THIS FRAUD ACCOUNT NUMBER XXXX WITH A BALANCE OF {$7500.00} SHALL DELETE FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a dispute with Experian asking them to verify the validity of 3 accounts on my credit report as well as some late payments that I had. They refuse to investigate and just saying that it has been verified, but when asked their method of verification that refuse to provide valid proof of the original signed contract. Additionally the same account that was disputed with XXXX  was deleted as they were not about to verify the validity of the account. I have demanded that they reinvestigate and they have continued to refuse to do so.
Product: Bank account or service

what happened is i think my bank is charging me twice for transactions. when i go online with my bank i will see transactions posted with one balance and these are supposedly cleared. but when i go on to the website i see those same transactions on a different day with another balance and even when i have had another payday.i would like to have a rundown of my account done and would like to have the bank stop moving the transactions around. i think that there is a discrepancy in their banking practices. and they could be charging us double on our line of credit also. all i know is that when this practice happens the differences in the amounts are hundreds of dollarsl.
Product: Money transfer, virtual currency, or money service

Closed account after 13 years of payment processing with no advance notice or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I visited XXXX XXXX to get my routine service done to my vehicle. Upon waiting, a salesperson asked me would I be interested in learning about other options. I said yes and he asked me for my current vehicle information. He said he would run some rates and would not pull my credit report. I decided to not move forward on any vehicle however the next day I see there was a hard inquiry on my credit report from Mercedes Benz Financial Services. On my credit report it states XXXX LA and Mercedes Benz FS which are the same entity. There are several other hard inquries from my previous lease from both XXXX XXXX and Mercedes Benz Financial Services which are the same entities as well. In total, there are 4 separate inquiries from Mercedes Benz Financial Services and there dealerships, two which are two years old. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt  have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support. I never gave the recent entity written approval to pull my credit on XX/XX/18 and I would like them removed.