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

their customer service would not help and take care of the negative inquiries reporting to your credit report.+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Sales FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX

+Automobile Dealers, OldXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXXInquiry from XX/XX/XXXX+Telephone CompaniesXXXXInquiry from XX/XX/XXXX+Miscellaneous UtilitiesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. Agencies
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a matter of great concern that I have previously brought to your attention. An account on my credit report is inaccurately marked as a charge-off, and this erroneous information is causing significant damage to my credit score and financial reputation. 

This account has been incorrectly reported as a charge-off. After thoroughly reviewing my records, I can confirm that this is a mistake. I have never defaulted on this account, and it should not be listed as a charge-off on my credit report. 

The presence of this inaccurate charge-off is having a devastating impact on my creditworthiness, making it difficult for me to obtain the financial services I need. I am deeply concerned that despite my previous correspondence, this issue has not been corrected.
Product: Credit reporting or other personal consumer reports

I have tried to obtain credit prequalification and have been denied because they can not maintain my credit report.
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 : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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. Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of incorrect information of this account on my credit report. Upon reviewing my credit file, I have identified that this account was already fixed or remove the late payments of other bureaus, you are the one reporting this lates in history. Please update to paid and remove the late payments. XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$490.00}
Product: Payday loan, title loan, or personal loan

Ive applied for a loan through this company several times over the past 4 years. I was approved three times and was always told the information that I needed to further approve my application. On the final attempt of submitting my application on XX/XX/2021 along with my personal information including tax documents, license and car registration and title, I called to verify what I need and was told by a women in the office named XXXX what exactly was needed. I was then contacted by the owner XXXX XXXX explaining why I would not be approved for this loan.
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of XXXX XXXX XXXX XXXX XXXX. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Credit card

I am XXXX and own a home in SC. My XXXX company offers a interest free financing through Wells Fargo for a major repair I need. Wells Fargo does not recognize the XXXX as a " valid address '', thus precluding my application solely based upon my military service. This seems unfair to deny me equal access to credit because of my assignment on XXXX.
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I was made aware that several loans with Affirm had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my XXXX report before I could attempt to stop them and contact Affirm. I have contacted Affirm directly, filed a police report, and contacted XXXX 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither Affirm nor XXXX have removed these fraudulent accounts despite providing the documentation they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has inquiry 's on my credit report that is not recognized. 
I Attempted to dispute them through Experian, but no results I've downloaded a letter of the inquiry 's i want to dispute which is XXXX. XXXX inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the XXXX data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.
Product: Credit reporting or other personal consumer reports

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX - account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX credit # XXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received a call and was connected to a " Mr. XXXX '' who answered the phone as simply " law offices '' when I asked for the name of the law office he said he works for a network of attorneys with what sounded like " Client Mediation part of XXXX XXXX XXXX '' representing CITI Corp. He never recited the mini-Miranda to me and just said he said he was offering to settle for pennies on the dollar of my debt that he said was over {$10000.00}. He said he would file his lawsuit if he didn't get paid by the XXXX. I asked for dates of the debts and he said it was charged off in 2014 and that the statute of limitations was 7 years ( it's actually 5 in my state ). I told him i would need to see all paperwork pertaining to this and he said I was just trying to use stall tactics and that he was done playing games and that I am obviously not serious about this matter and would just go ahead with filing his lawsuit with the local ( he listed the city ) courthouse and since the amount was so high it wouldn't just be small claims. He said to make sure I have two forms of ID for when I get served. I hung up on the man and he immediately called and left me a voicemail with more threats which included, having all my licenses suspended, he listed three people 's names close to me and said I could explain to them why they are being summoned to appear in court, and that he would put a lien on all my properties.
Product: Credit reporting or other personal consumer reports

It is unacceptable that, after multiple disputes and providing undeniable proof, the inaccurate information on my credit report remains unchanged. Your repeated failure to address these errors is not only frustrating but also a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I have given you ample opportunity to correct or remove this false information, yet it continues to remain on my report. I demand an immediate and thorough reinvestigation, a review of the attached documentation, and prompt action to ensure my credit report is 100 % accurate. This issue must be resolved immediately.
Product: Payday loan, title loan, or personal loan

I dont have specifics of loan because I didnt take the loan. I was searching and filled out questionnaire to see rates. The money showed up in my account today XX/XX/2020. I called and told them to remove amount. No more no less. They will get back to me. I need help.
Product: Credit reporting

Trans Union Corporation ( FEINs : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; and XXXX are XXXX. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. In addition, the address identified as XXXX XXXX XXXX, XXXX, VA XXXX is not mine ; I never owned, lived, occupied or established resident at this address. 
Furthermore, Trans Union Corporation ( FEINs : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX FORMERLY XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; and XXXX are XXXX. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX now XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; XXXX. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sen to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Trans Union Corporation and its subsidiary Trans Union LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 

Sincerely, I am /XXXX/XXXX XXXX , on behalf XXXX XXXX , Without PrejudiceXXXX, United States XXXX ( XXXX. ) XXXX XXXX XXXX, VA XXXX
Product: Debt collection

On XX/XX/year>. Bridge crest wrote off {$3100.00} on their taxes as a profit loss. Bridge Crest was supposed to provide me with the 1099-C form so I can write it off as income, which they never did send me the form. At the same time, Bridge Crest is reporting the amount of {$3100.00} on my credit report as a balance, even though they took a tax break. So, im requesting a copy of the 1099-C that I never received from Bridge Crest . Everything is about accuracy. So, if Bridge Crest fails to send me a copy of the 1099-C form while still reporting the account as a CHARGE OFF on my credit report. That, to me, is incorrect. Under FCRA, by law, I'm entitled to sue Bridge Crest for SANCTUARY DAMAGES. This is FRAUD that Bridge Crest is doing. In the same way, Bridge Crest has the ability to report that account to my credit report. i have the right to report Bridge Crest to the IRS for fraudulent activity. I LIKE THIS ACCOUNT TO BE REMOVE OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Accounts Listed Below have violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX- Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX  XXXX Acct # XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602A. Clearly states, " [ I ] have the right to privacy. Furthermore, 15 U.S.C.1681 Section A Subsection ( 2 ), states, " a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c Section ( a ) ( 5 ) further states : no consumer reporting agency may make any consumer report containing any following items of information and/or any adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-1 Sections ( A ) ( 1 ) : Indicates a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.
Product: Bank account or service

I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.