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

found unauthorized hard inquires on credit repot multiple in one day and several more on other credit agencies mainly XXXX  Item No. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/year> equifax : Item No. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>
Product: Debt collection

I have no knowledge of the said collection account.I have no knowledge of the said collection account and would like it to be removed from my credit reports because it is affecting my score negatively.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$77000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Portfolio account # XXXX. I have contacted Portfolio recovery associates several times attempting to figure out why they list a collection debt of a credit card not even showing on my report? 

I have mailed twice ( XX/XX/XXXX and XX/XX/XXXX ) asking who this debt belongs to as I have no XXXX XXXX on any bureau and do not know who portfolio recovery associates are. 

I have also disputed this with all 3 credit bureaus. I have asked to see original signed documents of the debt I owe PRA and a contract or something with my identity. The name they even have on their letterhead and billing is incorrect. I have yet to receive anything other than a statement from XXXX? I need to know who and what is going on. A statement ( s ) with not even my name proves nothing to me. 

I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus. I am appalled that anyone can claim to be you and report repeatedly information that isn't even correct.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I identified two negative items that I believe are inaccurate. These items are listed under " XXXX XXXXXXXX XXXX  '' and " XXXX XXXX XXXX. '' After thorough examination of my records and accounts, I found discrepancies and issues with these entries that prompted me to dispute them. 
from XXXX dispute Department and Transunion Consumer Solutions.
Product: Money transfer, virtual currency, or money service

Dear Marcus by Goldman Sachs, Im writing to express my frustration with your service. Due to a failure to authenticate my phone number, my account has been locked for several days. Despite multiple attempts, Ive received no solution to regain access.

This situation is unacceptable, and I urgently need access to my account. Please address this issue immediately and provide a resolution as soon as possible. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several items on report, inquiries & paid some balances down but XXXX, XXXX  & Transunion didnt update or investigate my disputes from last month. I asked for each agency to provide proof of their findings & all 3 failed to do so. It almost seems as if Im being kept on a bad credit treadmill by this company. I want my entire report investigated by a live agent instead of a computer or I will be forced to take legal action
Product: Student loan

I attended the XXXX XXXX XXXX XXXX in XXXX, California. The school itself, I am looking into suing, because they, like Sallie Mae, pushed for me to take out a very large private loan for over {$40000.00} and a smaller federal loan ( for living expenses, etc ) for around {$15000.00}. Needless to say, no amount of money I would 've made leaving with an associate of arts degree could 've paid off those loans. I was told it would be no problem once I graduated, and since I come from a lower middle class family, furthering my education was a priority for a better life. Instead, 10 years later, my loan is in default, they seize my tax returns and I have XXXX children ages XXXX and XXXX who ask why we cant get a house or fix our car when it breaks. I actually had XXXX of their debt collectors say to me, " you shouldve thought of that before you had children. '' They called my home and family relentlessly for years! I had a job from XX/XX/XXXX-XX/XX/XXXX where my boss had to have several " talks '' with me becuase she asked them to stop calling my place of employment and they wouldnt. I believe she was looking into contacting the XXXX or something of that nature, but she never followed through. I would like to note that I am an excellent XXXX. Any boss or co-worker I have ever had would back that up, so the problem leaving was not my skill, but rather the impossibility of repaying a loan of that amount. Its insane when I think back on it. I wish I could go back in time and stop myself from signing, and allowing my mother to co-sign, I would tell myself, " this is going to ruin your life! You will never be able to buy a home or new car. You will always be in debt, forever and ever. The XXXX will cause you XXXX and XXXX. You will never get out! '' I have felt hopeless because of this, but coming onto this website I am feeling a little better right now. I am feeling like theres a chance to get my life back, I feel like maybe there is strength in numbers and I am both glad and extremely sad to see that so many others are in my boat. So let 's plug it up before it sinks! I am hoping you can help. Thanks.
Product: Debt collection

Someone from XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX forged my signature as a Principal Obligor to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX filed a reckless lawsuit against me on XXXX XX/XX/XXXX for {$46000.00} ( see attached ). I formally communicated with XXXX XXXX XXXX on XXXX XX/XX/XXXX ( see attached ) that I have never been to the XXXX XXXX XXXX and that it was not my signature as the Principal Obligor. They proceeded with the lawsuit despite my denial and no real proof that it was my signature. Apparently the XXXX XXXX, XXXX  Court ruled in favor of XXXX XXXX XXXX. I never received any notification of a judgement. My wife received a letter this week from a law firm retained by XXXX XXXX XXXX to collect {$74000.00}. I am currently XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and my wife is going to send me a scanned copy of the recent letter tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.
Product: Credit card

Attached is a letter from XXXX XXXX  for proof of payment of my First Access credit card account. I have sent payment to First Access Card and paid my balance in full. My closed First Access credit card account is paid off. Full Name : XXXX XXXX XXXX, XXXX : XXXX  XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the following information that appears on my consumer report. The account in question is : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Basis of Dispute : 1. Privacy Act of 1974 : The Privacy Act of 1974 requires that personal information in government records be accurate, relevant, timely, and complete. Although this primarily applies to federal agencies, the principles of privacy and accuracy should extend to how private entities handle personal financial information. The presence of inaccurate or unauthorized information on my consumer report is a breach of these privacy principles.

2. Charge-Off Account Consideration : The account in question has been reported as a charge-off. A charge-off is essentially a certificate of indebtedness, which under IRS rules can be considered as forgiven debt and therefore treated as income. Since this debt has been considered as income, it should no longer be reported as a liability on my credit report. Continuing to report this charge-off account negatively impacts my creditworthiness unfairly and inaccurately.

Request for Resolution : In light of the above points, I am requesting the following actions : 1. Immediate removal of the disputed account from my consumer report.

2. Written confirmation that the account has been removed and that no further unauthorized information will be shared or reported. 

Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) to correct inaccurate information on my consumer report. I expect an investigation to be conducted within the required 30-day period, and a resolution to be provided promptly.

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute and keep me informed of your actions regarding the removal of the disputed account. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, my sister in law XXXX account got hacked and the scammer texted me to XXXX XXXX. I obviously thought it was my sister in law so i XXXX {$3500.00}. But when i met her the next day, then I found out her account was hacked. I called my bank right away but unfortunately they couldnt help me with the transaction. I filed the police report too.
Product: Debt collection

I confirm that I have received written communication from you dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wherein you make reference to the above captioned matters. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX and XXXX, XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX  and XXXX, XXXX, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX XXXX, XXXX  and XXXX, XXXX, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX and XXXX  , XXXX  .

If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX  and XXXX, XXXX, as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a multiple request asking EQUIFAX how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account. 
XXXX XXXX   : Account number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, hope life treating you wonderfully. Anyways Experian, XXXX   and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you
Product: Credit reporting or other personal consumer reports

Experian - I requested for my information to be corrected and my information was not corrected and they added a new incorrect address to my account. 

XXXX - I requested for my information to be corrected but my information was not corrected and they did not remove the address.
Product: Credit card or prepaid card

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX trenching you have different information about me XXXX and XXXX was just sued for inaccurate data. I feel like I was a victim of identity, theft, and my information exposed. due to section 15 USC 1581
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is consistently reporting my credit score 70 points below XXXX and XXXX. I was just rejected for a credit card with XXXX because they are saying I have a bankruptcy and my credit score is XXXX. I checked my XXXX Score and it is XXXX and my XXXX score is XXXX. I NEVER went through with a bankruptcy. When you call customer service you can not get a hold of a human. There is nobody to assist you. I want to know why my credit score is 60 points below XXXX and XXXX. These do not update my report timely and somebody needs to explain this enormous discrepancy between their reporting and XXXX and Experian. This company needs to be investigated for NO CUSTOMER SERVCICE, inaccurate reporting and calculating a credit score significantly below the US based Credit Reporting Agencies.
Product: Debt collection

CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$810.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX XXXX {$810.00} XXXX updated XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry from Capital One has appeared on my Credit Report once again and I haven't applied for credit with them in years. 

XX/XX/2023 I was notified and called XXXX and was told to contact the FTC to file my complaint. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent an enormous amount of money and time writing, Certified Mail cost and hours on hold to all three credit reporting agencies trying to clean up credit reports. Two of the hard inquiry complaints once were removed only to re-appear. 

While XXXX is the worse company to deal with, my experience with Transunion has generally favorable. XXXX has been very helpful. 
I have recently had a had experience trying to get unauthorized hard inquiries removed.

The following two hard inquiries were once removed and we're unauthorized. I never applied or signed a credit application. Unless Transunion has a signed application for these two and the others then they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX / Inquiry Date : 1XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) XXXX XXXX  / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) It is not right to punish a person for unauthorized hard inquiries. 

XXXX XXXX 3XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXXdollar Perkins loan in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX dollar Perkins loan that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.
Product: Mortgage

We applied for a line of credit on our home and was informed that there was an open lien on the property from XXXX. When we researched this on the XXXX XXXX County Recorder of Deeds web site we discovered there was a mortgage that was not showing as satisfied. Through weeks of research and back and forth with XXXX XXXX  and Ocwen we are unable to resolve the issue. XXXX keeps saying that it is Ocwen and Ocwen say that they are only responsible for loans after XXXX. XXXX is the company that placed the letter of satisfaction on the incorrect loan back in XXXX. Please help us with this. We have done nothing wrong. Always paid our debts and now we can't get a line of credit because XXXX filed a letter of satisfaction on the wrong instrument number. Please see latest email chain below with more details.
Product: Mortgage

To whom may concern I refinanced my house with new day USA XXXX XXXX XXXX. I set up auto pay in XXXX around XXXX  my first payment was due XX/XX/XXXX so on XX/XX/XXXX I noticed nothing came out of my account so I called. XXXX claimed my autopay would not take affect until XXXX so I said go ahead and pay it then two days later they charged me XXXX a second time. Which left me in financial difficulty for two weeks. Then I called to have the second payment refunded XXXX said they would send me a check so after week or two my account was electronically credited XXXX by then my XX/XX/XXXX payment was coming so I called again on XX/XX/XXXX because autopay did not take payment again they said I was in default so I checked the Mail there was a check for XXXX in mail from XXXX so they refunded both payments when they were suppose to keep one since then I have payed both payments my credit score has dropped 77 points while Im in middle of credit card refinance which was denied due to this all I received was Im sorry no I think not that is not enough for their incopetance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I have had a Amazon SYNCRONY Bank card, i found false charges of {$170.00} Amazon agrees with me and yet the Bank for over a month now has not refunded the monies