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

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help this is hurting my credit and reporting false information to future creditors.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit card

On XX/XX/2016 American Express placed an inquiry on both my XXXX and XXXX credit report which I did not authorize. The American Express Website contains a page ( https : XXXX ) where they claim you are able to " See if we Have Any Pre-Qualified Offers for You Find out in less than a minute without affecting your credit score '' However, when I completed this information it resulted in hard inquiry on which reduced my credit score by 9 points. I called to complain about the situation but was treated very rudely by " New Applications Manager '' in XXXX ( XXXX ). She told me there was nothing that could be done and when I asked her how I could complain to the company CEO she told me to " google it ''. I am shocked at the lack of customer service when an obvious error has been made on the part of American Express. I would like all inquires on XX/XX/2016 removed from my credit report immediately.
Product: Credit card or prepaid card

Unable to access account information by computer unless I have a mobile phone. 
Have had various credit cards and bank accounts with this company over several years and never had a problem accessing accounts online until last year or so. Do not ever recall being informed there would be a requirement to own a mobile phone in order to use their online services. 
They claim this is a requirement to verify my identity as I travel quite a bit however every other financial and government website I access allows this process to be done via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been accused of being evicted from an apartment community that I have NEVER lived in. XXXX XXXX has reported an eviction on my credit report since XX/XX/2016. Again I have never stayed in this community. The also gave my information to a company ( National Credit Systems ) without my permission and they continue to destroy my credit report with a collection. I have tried to speak with them on this matter but no one seems to want to help or show any documents roving that I was evicted from an apartment community called XXXX XXXX in XXXX N.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX   XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Product: Debt collection

I'd suffered a brain injury and had been given a predatory credit card. It was in the amount of $ XXXX managed to pay that back -- in full -- and yet Captial One continued to leverage on late fees, XXXX XXXX. I let them know of my injury. During that time, I was brought to a time of XXXX. While EVERY OTHER credit card was turned off, Capital One kept pyramiding. FOR AN ENTIRE YEAR, I find out. ( XX/XX/XXXX - XX/XX/XXXX ) In XXXX, having healed enough to get myself housed again, I was served. Capital One was XXXX  me for -- TO MY SHOCK -- {$300.00} from the UNSTOPPING AND UNRELENTING FEES. Now, I'm paying legal fees to defend my paycheck, of less than XXXX months, from their XXXX  and malicious actions. 

I simply can not understand how or why a company would continue with a credit card after I had told them of my brain injury and YEARS OF NON-PAYMENT due to my XXXX. There's something very wrong here.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KAY JEWELERS XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Sectio

n 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act account name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  PA XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : It also States Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I deposited a check from my mother ( XXXX XXXX XXXX for the amount of {$500.00}. She banks with XXXX XXXX XXXXXXXX. I bank with Navy Federal.

I receive a letter shortly after from Navy Federal that the check could not be paid and the funds were taken out of my account. However, the funds were never returned back to my mother at XXXX XXXX XXXXXXXX. 

The reason for this was because the account could not be located. The issue is because my mother 's signature on the check overlapped a number. I mobile deposited the check and I'm assuming that the automated deposit system or the incompetent worker behind it misjudged the routing number and made it incorrect by one digit. 

I notified my mother and she went to her bank to resolve it. Unfortunately, they told her that Navy Federal would have to resolve it on their end. 
I speak to Navy Federal, and they said that the funds are stuck with the Federal Reserve because they did not receive anything, so they couldn't pay me anything.

I notified my mother again, and she went back. Her bank said they couldn't do anything. So I spoke to my bank again. 
Today, my mom went back to XXXX XXXX  XXXX and her bank said that they could not do anything and for me to submit something with my check fraud dept. 
I spoke to Navy Federal again, and they were unwilling to help me whatsoever. Saying that they couldn't do anything except for advise me on what to do, which is tell my mother to speak to her bank and send me a letter in x amount of business days saying that i didn't receive the funds. 

Both banks are playing games and I have absolutely no more patience for it. 
I called the Federal Reserve hoping that they could resolve it, however they said they do not hold any money and to contact you guys. 

So here I am. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, i filed a dispute on XXXX XXXX on transunion because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is TRANSUNION that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy still showing from XXXX. Have asked twice for it to be removed and received no consideration. As of now the bankruptcy still shows
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional finance reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) .However achieve personal loan is reporting there account after I disputed it without to see you notating the fact that I disputed it causing me injuries.
Product: Vehicle loan or lease

I'm not sure of the exact dates there has been several calls about this situation since around the middle of XXXX or so. I expressed concerns over the monthly payment. The couple of representatives that I spoke with clearly told my wife they don't revise interest rates or payments. This is a used XXXX XXXXXXXX XXXX for {$810.00} a month for 72 months 19.5 % interest rate. Tennessee has usury laws and I didn't know that this is potentially in violation of the usury until it was shown to us here recently. No my credit is not great. I'm XXXX XXXX  and my wife is on XXXX we are not business people we did not realize half of what was done that day we thought it was because of the poor credit. Now my wifes XXXX XXXX XXXX XXXX and I can not let that continue.I reached out to Arivo and come short of begging them to assist in a revision or my only other option is to surrender the car in a XXXX XXXX I'm hoping there better way. This car is barely worth {$14000.00} and definitely not worth {$34000.00}. I hate to label this company as predatory as I would like to give them the benefit of the doubt. It was said at some point that I signed the paperwork work. Yes I did it should have been explained that the interest rate wasn't normal.
Product: Student loan

I am a XXXX and an employee of the XXXX XXXX XXXX ( SC XXXX ) I received acceptance into a XXXX XXXX loan repayment program called XXXX. This program is predicated upon me paying my student loans and then getting reimbursement year-end from the VA. 
The problem is my student loan servicer, American Educational Service ( AES ) keeps decreasing the monthly amount on my loans and not paying the balance we sent in and failing to notify us until after the fact. Now, without my consent or request, they have placed 2 of my student loans in " forbearance '' which will disqualify me from my loan repayment program. I have called and emailed them but they still have not taken the loans out. Decreasing my payment amount so the interest builds an I am indebted to them longer without my consent I consider predatory.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$480.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1600.00} Account in Dispute : XXXX Account # : XXXX Reported Balance : {$810.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action.

Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 

Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1600.00} Account in Dispute : XXXX Account # : XXXX Reported Balance : {$810.00} Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I expect written confirmation by

XX/XX/2025, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report.

This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry alert stating Bank of America made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at Bank of America
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX U.S Bankruptcy Court Dismissed the BK case and prior to the dismissal Loan care recieced the following payment againt XX/XX/XXXX defiency blance of {$9.00}, XXXX in the following manners : ( 1 )  Bankruptcy court paid from the plain {$3000.00} toward the defeiency blance. 
( 2 ) Loan Care retain two surplus payment for XX/XX/XXXX and XX/XX/XXXX for {$2000.00} each year. a ( 3 ) The homeowner has paid XX/XX/XXXX mortgage on XX/XX/XXXX {$1500.00} dollars on a {$1300.00} and on XX/XX/XXXX LC informed us that there was a surplus of {$2000.00} was being applied to XX/XX/XXXX payment and then informed the homeowner in the XX/XX/XXXX statement the only amount due was {$1300.00} which was paid by a LC a Cashier check sent on XX/XX/XXXX and received by LC XX/XX/XXXX. 

However, in spite of not owing reported default amount, but the owners have received a notice foreclosure proceeding has commenced laying claims that homeowner are nine months delinquent of {$9700.00} and debtors has proceed with Foreclosure attempt without further FHA stand alone review, loss retention in accordance with FHA requirement for special forbearance and the right to cure the default. 

The lender has not filed a new notice of default with the  county regarding the amount owed is less then {$4000.00} prior to intuiting current for closing proceeding. The lender has active foreclosure proceeding without allow the a chance to verify the claim of default and/or the amount owed, or has not assess the borrower financial situation to remain in the home by performing an early review of the loss mitigation submitted to loan care on XX/XX/XXXX at  XXXX. Eastern Pacific Time,.
Product: Debt collection

I was contacted via mail on XX/XX/2018 by XXXX XXXX XXXX to collect a debt on behalf of creditors XXXX XXXX XXXX XXXX XXXX. This debt was disputed on XX/XX/2018, citing I did not owe the debt. I requested that XXXX verify that I owe this debt in accordance with all state and federal laws within 14 days of receipt of my dispute. I heard nothing from XXXX until XX/XX/2018, and there was no debt validation or any information proving that I am responsible for this debt. I disputed their claims a second time via mail on XX/XX/2018, requesting that they evidence proof of the alleged debt, including alleged contract or other instrument bearing my signature. I did not receive any information that was requested to evidence my responsibility for this debt, yet this inaccurate account has been added to my credit file on XX/XX/2018. I disputed the account a third time on XXXX XXXX, continuously asking XXXX to verify this account. On XX/XX/2018, I received a letter stating that the debt was verified. Under the Fair Credit Reporting Act, I feel that my rights have been violated by XXXX because they did not correct, delete inaccurate, incomplete, and unverifiable information pertaining to this collection account. I specified that I would like to see the original contract, bearing my signature, accompanied by a photocopy of my Identification to verify that I'm responsible for the debt. I received nothing besides a letter that states it was verified, without evidence, which is highly questionable. I feel that XXXX  have violated my rights according to the FCRA. It is my hopes to rectify this amicably before It would result in legal action against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made over 30 disputes since I was targeted a victim of identity theft. All of which have returned as updated and not taking any action against. I have sent and faxed over reports from the FTC and Police Department to EQuifax regarding fraudulently established accounts. 

However that is a separate complaint that I am awaiting feedback. 

This complaint is because I am unable to access my credit report. 

When I go to navigate within EQuifax it does not populate anything regarding my credit report. 

The last update on my credit score was XX/XX/2021 In compliance to every consumer protection law and by those governed by the FCRA everything on my credit report must show verifiable accurate and truthful. 

This is in violation of that not to mention accounts and inquiries that were fraudulently establish still being left on my report. 

I have taken screenshots and uploaded them so that it will be proof that they have blocked my credit report for for promotional reasons as stated. 

Ive made several phone calls faxed over several documentations since my mobility issue and recent XXXX XXXX. 

Customer service has mopped me has hung up on me I have experience very unprofessional feedback from those even in the fraud department.