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

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I received an email from CFPB that they had reviewed my complaint that I submitted and sent it to the company ( Equifax ) for a response. The company ( Equifax ) was unable to respond to my complaint because they believe that I was a victim of fraud. Also, I have to contact the company ( Equifax ) directly for more information. I have contacted the company ( Equifax ) about this issue. I had the police to do me a report about what happen to my identity. They file an incident report instead of an regular police report. Where I stay, they do an incident report when you come to them and tell them that someone has stolen your SSN #. When I called Equifax, they ask me to fax over the report and I did. The last time I talk to a rep, he stated that I had to get the police to file another report saying " police report '' instead of " incident report ''. To me it should not matter, because it has on the incident report that I reported that someone stole my SSN #. I have called Equifax many times about this and they are not showing an results about deleting the hard inquiries off of my credit report. I feel that they need to have this removed. If the hard inquiries does not get remove then I will have to take legal actions.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF ACCOUNTS ON MY CONSUMER REPORT - IXXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint regarding the inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$13000.00}.
Product: Vehicle loan or lease

I leased a XXXX Mercedes Benz in XXXX. They presented me with the contract and we briefly went over it however they failed to inform me of the {$3000.00} XXXX fee. Going over the contract today XX/XX/XXXX I noticed the fee and googled it only to find nothing about a XXXX fee. I am not sure why Mercedes Benz would charge me that fee. That is predatory lending and scamming. They an unable to explain why I was charged an additional {$3000.00}. I feel its because I am XXXX and that was my first time leasing a car. I feel discriminated against and disappointed in Mercedes Benz.
Product: Credit reporting or other personal consumer reports

Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. And According Act Experian & XXXX Has Violated My Rights Under 15 USC 1681 602A States That I Have Have A Right To Privacy. So Why Are They Reporting Late Payments From TD Bank Secured Credit Card That Is An Closed Account
Product: Vehicle loan or lease

I sent a registered security to Southeast Toyota and its indenture trustee, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I offered both of them 14 business days to answer. I called both parties on XX/XX/XXXX, and Toyota had no idea what I was talking about. I called XXXX XXXX several times ( for 5 days straight ) and each time I got a message. I then resent all of the documentation ( it was a pretty large packet )! I repeated the method and nothing happened. Toyota repossessed my vehicle on XX/XX/2023. Toyota and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not returned my documents. This is a particular kind of securities fraud. 
I still have copies of the registered securities and will resend them if necessary. I don't want anybody to have access to my personal information through this website.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested that fraudulent information be taken off my credit report. Old information also keeps reappearing on my reports which doesnt belong to me or is inaccurate. I have reported that an imposter has used my credit to open accounts and report inaccurate information. My credit has been damaged for over 10 years or more due to these errors and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Product: Credit card

RE : IMPORTANT CHANGE TO YOUR ACCOUNTI received the attached letter today stating that as of XXXX XXXX, 2016 I will no longer be able to make additional security deposits to increase the credit limit of my secured XXXX. I am confused as to where it states in the original terms and conditions, which I have reviewed carefully that the bank can do this. 



I 'm confused as to wh
Product: Debt collection

I was contacted by this company stating that I owed for SIX different accounts at the same medical facility for ONE visit. These accounts were paid as well as being indigent at the time and filing as so at the hospital. They have repeatedly contacted me in a completely unprofessional manner. I have reported them to the XXXX XXXX XXXX to which was responded by more unprofessionalism telling me that if I learned to pay my bills I wouldnt be in this " situation. '' I had a life saving surgery and any medical bills that I had afterwards were completely paid in a timely fashion so I am unsure where they get off with being extremely rude. The lady that repeatedly calls me initially wouldnt even tell me her name or where she was calling from or how she had my information. When told about the charges, there were two for the EXACT same amount. I also noticed that they were charging me more than the debt they claimed that I had in the sum of around {$1000.00} extra! 
At one point I went along with them and offered to pay the accounts just because I didnt want to be harrassed of have these accounts on my credit. ( the only ones I have! ) I was repeatedly called after setting a payment arrangment up asking me to pay more. After make a couple payments I decided that I was not going to continue to work with this company as they were very rude, pushy, and tried to make me feel inferior to them. This is not a debt that I should have to pay for since it is not my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Company : XXXX XXXX   Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX   XXXX XXXX XXXX  Account # : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX  XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXXBalance : {$1100.00} Company : XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXXDate OpenXX/XX/XXXX Balance : {$6100.00} Company : XX/XX/XXXXXX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing numerous violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws that have negatively impacted my credit profile. Specifically : Willful Noncompliance Under 15 U.S.C. 1681n, I identified instances where credit information was reported inaccurately and without proper verification. This constitutes willful noncompliance, for which I am entitled to seek up to {$1000.00} in damages per violation.

Disclosure Failures As outlined in 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), you failed to inform me of my right to opt out of sharing personal information, violating my consumer rights.

Deceptive Reporting In violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and 15 U.S.C. 1692g, inaccurate and unvalidated accounts, including unauthorized hard inquiries, were reported to my credit file. These errors include : Unsubstantiated " late payments '' with XXXX and XXXX. 
Invalid debts reported by XXXX, XXXX, XXXX, XXXX, and others. 
Unauthorized Hard Inquiries Per 15 U.S.C. 1681b, inquiries were added to my credit report without my written consent.

Debt Validation Issues Under 15 U.S.C. 1692g, creditors failed to provide verification of debts. Without validation ( such as the original signed agreements ), these entries must be removed.

Improper Debt Collection Practices Debt collectors violated regulations by sharing inaccurate or unverifiable debt information with third parties, breaching 15 U.S.C. 1692c ( b ).

Deceptive Practices Regarding Payments " Late payments '' were reported without a clear definition or appropriate validation, which is misleading and noncompliant with FCRA standards.

Finance Charge Errors There was a failure to accurately determine and report finance charges, an obligation under the law.

Actions Requested Correct all late payment inaccuracies and mark accounts as " paid as agreed/never late. '' Remove unauthorized hard inquiries.

Validate all reported debts or delete unverified entries.

Confirm compliance with disclosure obligations regarding opt-out rights.

Issue a written confirmation of all corrections within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to resolve these matters promptly may result in legal action, as authorized by the FCRA. My dispute is legitimate and not initiated by any unauthorized third party. I expect immediate corrective action and compliance. 

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

bank of america was the bank that XXXX used for are accounts in XXXX XXXX i started getting money from XXXX i recieved the first check and thast was it i contacted bank of america asking them what was going on because i didnt not receive any money after the first check and all they would tell me is the money was deposited on my card well i never received another payment and i have contacted them and i filled 45 claims and all they keep telling me is they have payed all kinds of the claims XXXX sent me a letter explaining that there was XXXX XXXX dollars put in to my account everytime i call bank of america they tell me that the claims are payed them i received one payment from bank of america and thats it its been 3 years and this is not right all my XXXX was stollen from there bank and they are not paying none of that money i was suppost to get on my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX, account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Dear Transunion Dispute Resolution Department, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I noticed several hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were made without my consent. Below are the details of the inquiries in question : XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX Please note that I have not authorized these entities to access my credit information, and I am requesting the removal of these inquiries under the Fair Credit Reporting Act ( FCRA ). Section 604 of the FCRA states that a consumer report may only be accessed with the explicit consent of the consumer, which I did not provide for the aforementioned inquiries. I kindly ask for a prompt resolution to this matter. Please remove these hard inquiries from my credit report as they were not authorized by me. Additionally, I request written confirmation once this issue has been resolved.
Product: Credit reporting

There is a judgement pending from XXXX XXXX on my credit. This is false and needs to be removPlease have lates removed from XX/XX/XXXX-XX/XX/2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.ed. There was a granted judgment reported on my report that is under bankruptcy for XXXX XXXX.
Product: Student loan

I reached an agreement in XX/XX/XXXX to pay {$60.00} a month. In turn my account would be brought current and late comments removed from the accounts. I spoke with an account manager named XXXX. I passed on a 60 % reduction in total payment owed to get the above conditions. I explained i fell behind to hospital bills for my children needing XXXX and my wife falling ill and being out of work. I wanted to make things right and passed on the above mentioned reduction. It is months later, I am enrolled in automatic payments and have not been late since. I have sent numerous certified mailings to address this with no return correspondence from Navient/Sallie Mae or XXXX. I can not get better rates at this time to pay off sooner due to these and it is affecting my job search as well as these are negative on my credit which has been pulled numerous times now. 
In XX/XX/XXXXXX/XX/XXXXNavient offered reduced intrest repayment plan of {$50.00} which i gladly would accept except XXXX XXXX XXXX would not recognize this agreement. XXXX XXXX is who i was told to contact. I tried to speak to Navient about this but was told speak to XXXX and hungup on. 
Additionally now I am being contacted by legal firm of XXXX, XXXX , XXXX XXXX. 
I simply want to repay my charge off based on the terms set in XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

I thought the debt was taken care of in bankruptcy 12 years ago they contacted me a couple of years ago I did not believe the debt they threatened to foreclose in XXXX I hired a attorney he was able to stop it then they have not called back we are unable to contact them I want to take care of this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.
Product: Vehicle loan or lease

I received a new car loan on XX/XX/24, paperwork said first payment around XX/XX/24. I never received anything in the mail, no invoice or bill. On XX/XX/24 I called GM Financial and they said yes your payment is due today. I had to create an account and pay immediately, or it would of been late. I asked why I did not get anything in the mail and they said they would resolve, as of XX/XX/24 still no update as to why I am not receiving invoices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized hard inquiries on my credit report, as I am a victim of identity theft. These inquiries were made without my consent or knowledge and are the result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you immediately remove the unauthorized hard inquiries from my credit report. As per the provisions of the FCRA, victims of identity theft have the right to have fraudulent information removed from their credit file. 

The unauthorized hard inquiries I am disputing are as follows : Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that I had missed a payment in XX/XX/2017 when I had paid the company the total amount ( current balance is {$0.00} ). I tried calling and asked them to remove the information for which they said they wouldn't be able to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, Lendup reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The XXXX control number for the update request that was sent to the XXXX XXXX Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.
Product: Credit card or prepaid card

I missed two payments with Discover and they did not notify after either of the missed payments, nor did they notify me of any past due payments. I called the company and they confirmed that they did not send any notifications around past due or missed payments. Had they done this after the first missed payment I could have remedied the situation, not missed a 2nd payment, and not had my credit score impacted by the late payment ( s )! Discover confirmed they have a department that provides this type of notification service but it is unknown why I was never notified and why I did not receive the same service other customers receive.