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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX ) that ( account XXXX ) ( XXXX XXXX XXXX  XXXX was deleted from my credit report.

I have now realized that this same item was REINSERTED onto my credit report In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action I will also fax this to the CFPB. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX  account # XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account
Product: Consumer Loan

I received an installment loan from a company and was preapproved through a letter from this company, which claims to be tribal and in the approval letter claimed that I was one of only a few to be approved for a loan from this company. I then went to the website and applied for a XXXX loan which I was approved for and in the initial repayment schedule showed that I will be repaying XXXX which is reasonable for a XXXX loan. After the loan was completed, I received a call from one of their representatives to talk over what the loan entails. The call lasted roughly XXXX minutes which included a recording I was made to listen to for about 2 of those minutes, afterwards the person came back on the line and proceeded to read a fixed statement in the most slow, monotone and non enthusiastic way possible, seemed like a way for me to tune out what exactly was said in order to cover up mal business practice. Once I received the money which was deposited the next business day, I tried to open the loan agreement online and my browser returned an, " unable to view documents '' page. I went back to the original website and checked to see how the loans were repaid and upon looking I found that the payment structure of such a loan was so outlandish that it made my stomach turn, the original XXXX, which on " your account '' page shows XXXX, but the structure will force the consumer to make a payment of XXXX four times and then a fifth time of XXXX before making any dent to the original XXXX loan and that the total XXXX would be repaid over the course of 24 months. with an interest rate of over 800 % roughly on every repayment. which over the course of XXXX months repayment would be close to XXXX. I was not made aware anywhere in the initial mail, any emails or even in the websites application process that this would take XXXX months to repay wit an out of this world interest rate. I have searched online and not to my surprise I found others who have had similar issues.
Product: Credit card or prepaid card

In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX  card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX   XXXX XXXX  XXXX  - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is that the personal information you are reporting is not mine. That is why you need to look at the attached documents as it contains the full story of what happened to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to raise a concerning issue about my credit report. I have discovered fraudulent accounts and inquiries that have been included on my credit history without my permission. These entries have inflicted considerable harm to my credit score and financial standing. 

To address this issue, I have disputed these entries with the relevant creditors, companies, and lenders. They have confirmed that the entries were not authorized by me. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) to report this incident of identity theft and have attached a copy for your reference. 

The existence of these fraudulent accounts and inquiries has had an adverse impact on my credit score, making it challenging for me to obtain credit and financial opportunities. This has caused significant distress and hardship for me and my family. 

I urge you to take swift action to remove these unauthorized and false entries from my credit report. Please prioritize the resolution of this matter, as the ongoing presence of these inaccuracies continues to harm me and my family.
Product: Credit reporting or other personal consumer reports

I am formally submitting a request for the removal of an inaccurate public record of a XXXX  XXXX bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
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. 

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 an 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I became the successor of this property/mortgage and I was about to payoff this loan but received a XXXX increased amount more than the balance of XXXX but XXXX. I contacted Mr. cooper several times to request the records and an explanation of why and where did they get a XXXX increase ; they keep saying it was a loan modification done by the deceased borrower. They haven't and won't give me the itemized breakdown of the loan modification from XXXX XXXX. I need your help in resolving this horrific problem. We want proof, the itemized breakdown of the payoff, and the modification when it was done. They also told me to contact the previous lender to get the paperwork, which is crazy and I tried but it appears it is not a mortgage company or someone who service loans. I am very concerned that they ripped off the deceased client, something is not right. I just want clarity and the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am writing to formally dispute and request immediate action regarding an inaccurate auto loan that has been re-added to my credit report by XXXX. Despite this account being previously removed, it has now reappeared on my credit report, which I find unacceptable and damaging to my credit standing. 

The auto loan in question is with XXXX XXXX and it was resolved and removed from my credit history on [ XXXX XXXX AND BACK ON MY CREDIT XXXX XXXX I do not have any outstanding balance or obligation related to this account, and its reappearance on my credit report is a clear mistake. 

I kindly request that you : Investigate this matter immediately. 
Provide a written confirmation once this erroneous account has been removed from my report. 
Ensure that no negative marks associated with this loan are impacting my credit score. 
I have attached copies of relevant documents, including previous correspondence regarding the removal of the account and any supporting records to verify my claim. Under the Fair Credit Reporting Act ( FCRA ), I expect a timely investigation and correction within the 30-day period as required by law. 

Please acknowledge receipt of this complaint and update me promptly on the status of the resolution. I trust this issue will be handled with the urgency it requires, as it is affecting my financial standing. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2023 I set up 4 auto payments for my Kohls card. I set up a auto payment on XX/XX/2023 to pay {$30.00}. XX/XX/2023 to pay {$200.00}, XX/XX/2023 to pay {$30.00}, and XX/XX/2023 to pay the remaining balance of {$230.00}. On XX/XX/2023 ; Kohls withdrew {$230.00} from my checking account which I never authorized that amount on that date, which caused my bank account to become overdrawn by {$23.00} and resulting in me not being able to pay my XXXX bill for {$75.00} or my XXXX bill for {$98.00} which is resulting in late payments for these bills. Kohls on their own decided to add my payments together each month to withdraw a bigger amount than I authorized. I get paid bi-weekly and was setting up my payments to correspond to my paychecks. I called Kohls on XXXX and they said I needed to call my bank. I asked Kohls to cancel my next autopayment since I did not authorize {$260.00} to be taken from my bank account I authorized a total of 4 payments not 2 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiry : XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX  XXXX Account Number : XXXX Amount 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
Product: Credit reporting

The creditor on my file uses a bi-weekly business model rather than a month to month business model. I contacted Experian to dispute the account reporting of this creditor. The account status was reported as repossessed/never late. I asked for an explanation of this item and Experian stated it would investigate the account status. After conducting their investigation, Experian permitted the creditor to update the status to repossession. The creditor was also permitted to updated the account activities as a repossession in XXXX XXXX and in XXXX XXXX. The creditor was permitted to updated the account activities as a charge-off in XXXX XXXX and XXXX XXXX. The creditor has been permitted to update the account activities as if the events took place over a six month time period when in fact the activities took place over a 31 day time period. The account was opened in XXXX XXXX, not XXXX XXXX. The vehicle was repossessed 31 days after the account was opened and was not late. The creditor was permitted to report fraudulent and inaccurate information after conducting their investigation.
Product: Debt collection

Williams & Fudge , Inc., have been contacting me non-stop at all hours of the day in an attempt to collect a debt they claim I owe to XXXXXXXX XXXX I reached out to XXXX directly, and they confirmed that I do not have any outstanding debt with them. 

This misinformation is causing significant inconvenience and XXXX  as the collection agencys calls are frequent and intrusive. I am unsure where they are getting this incorrect information, but I would greatly appreciate your assistance in addressing and resolving this matter to stop further collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave consent for Barclays Bank to pull my credit report and I noticed a hard inquiry on my XXXX credit report.
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 Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Product: Mortgage

We have recently refinanced to a new mortgage lender. During that process we discovered that Flagstar bank has put a freeze on our escrow and stopped making Tax and Insurance payments. We called several times to request that they make both tax and insurance payments and get sent in many different directions with different answers. Finally after several phone calls the taxes have been paid ; however, the insurance remains to be paid. Calls have been made to Flagstaff almost daily for over a month and each time the response is different, including we have sent the check overnight, we will send the check, we have sent the check, we won't send the check we are just sending you the full remaining escrow and you can pay the insurance. We have gone in circles with no answers and no resolution and stand to lose our homeowners insurance coverage. Every person I've spoken with at Flagstaff tells me a different story and tells me the last person I spoke with gave me bad information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX   XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i received an email reminder of results. I was able to obtain online results of that item and saw another result submitted. When printing out the results the page printed all black over the correspondence. I went back into the system using another confirmation number I saw that was completed with no email notification and was block out their system. Equifax identity questions did not pertain to me claiming I opened a mortgage and who 's the bank. I wrote Equifax over the last 90 days to refrain from sending email notification to a particular email address. All request were ignored. 

One XX/XX/XXXX I received another email claiming it was a reminder email about completed results. Equifax did not allow me to view the results on Equifax.com claiming information submitted did not match. No information was provided but confirmation number, name, social security number, DOB, and address
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian, XXXX XXXX XXXX requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXXXXXX XXXX I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from Experian on XX/XX/XXXX. It stated " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX XXXX sent me a notification stating they completed the dispute with no changes made to my credit report. XXXX responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my Experian credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable resolution.