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

DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C Section 604 a Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency 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 XXXX sever years. 

15 U.S.C 1681s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DELETE THE ACCOUNT BELOW XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax continually adds erroneous information to my credit report. Not only does this continuous practice affect my credit score but also my FICO score. In XXXX Equifax reported that I had an increase of {$570.00} to the amount on my mortgage while the other two credit agencies reported a decrease of that amount correctly. I am not understanding why one credit bureau out of three continues to post wrong information and does not remove accounts that are older thsn seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE iXXXX XXXXXXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but XXXX  and Equifax didn't even acknowledge that XXXX had deleted an account that was never mine and so Equifax and XXXX  needs to update my credit score once again. They aren't being up to date with everything
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, this account is hurting my ability to obtain credit.
Product: Debt collection

I am victim of ID theft ; my Identity was compromised. I believe that one or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX.
Product: Credit reporting or other personal consumer reports

I do not have any loans prior to Fall XXXX semester, which is in good standing. My spring XXXX loan is the one that is very messed up. I have XXXX XXXX XXXX XXXX XXXX  and interest has been deferred on all student loans until XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I was not contacted by the provider, Mohela, at all and they did not contact my references. I got an email in XXXX stating that my loan has been transferred to them and welcome. XXXX XXXX they sent me an email stating I can setup my online account. XXXX XXXX they email stating they have been trying to contact me via mail and phone calls ; this is completely false. I never got a single piece of mail from them and not a single phone call. I signed into my account shortly after receiving the email that they haven't been able to contact me and there were no notifications. I verified that all of the information is correct. By XX/XX/XXXX, they have sent a notification to my credit report saying they havent been able to contact me and it dropped my credit score 1XXXX points. I have contacted both Mohela, sat on hold for hours with no one ever picking up, and XXXX twice disputing this credit score update. XXXX closed my first dispute stating that they tried to contact Mohela but they havent responded even though its been over a month. The second dispute, they wrote that Mohela was able to get ahold of me. I was the one who contacted both Mohela and XXXX, not the other way around. My credit score still hasnt been updated. I went from an excellent credit score with all of the correct marks to poor. No one is fixing it. I have contacted my school, XXXX, Mohela, and this agency so far. I will have to get a new or renew my lease for my apartment soon so I need my score to be updated before then.
Product: Money transfer, virtual currency, or money service

I am filing a complaint for my protection under Regulation E. I was scammed by an individual that pretended to be a financial advisor for XXXX XXXX XXXX. I was told there were three plans they offered. I chose the beginner plan for {$1000.00} on XX/XX/XXXX. After working with the pretend to be a financial advisor. I was led to the website to invest, where she walked me through buying process. I XXXX  another {$1000.00} on XX/XX/2022. After these transactions, I received an email that my money was tied up with some minors in a different country, and if I wanted to get my money immediately, I had to pay another {$1000.00}. I received several emails from this company. ( Please see attached ). Desperate to get back my money invested ; I send another {$1000.00}. I waited, and I received nothing. I was contacted again by the financial advisor to send another {$1000.00}. I had to sign up with another investment company. This time I became suspicious that I was being scammed. So, I refused to send the money. I now knew for sure that I had been scammed all along. I contacted Citi Bank, where the initial two transfers were for {$1000.00} each. I also asked the financial advisor for a refund since I never received my investment. No response. I also told the bank that I was able to get the IEP address of the fake financial advisor. Even with the information, I was informed that they would not give me a refund. Since all of this, I have suffered severe economic pain. {$2000.00} is a lot to lose for me. I have the XXXX transactions saved and the written response from the bank. I also have an email from the minors in another country asking me to send more money before my funds are released. I understand this incident happened several months ago. However, I know many people have received a refund for XXXX transfers regarding a Scam. However, I was not one of those lucky individuals. 
Bank Information : Citibank  XXXX XXXX : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX XXXX
Product: Checking or savings account

My wife and I have been loyal customers of JP Morgan Chase Bank since it was XXXX XXXX XXXX XXXX. On XXXX XXXX I used my Chase XXXX card to, pay for routine auto repair. Dealer called informing me the charge did not go through. When I called card member services was told account was closed and reason would be sent in the mail. Also informed my accounts ( there were several ) were blocked. This act alone basically impaired my ability to pay bills, purchase groceries, etc. Several weeks later I received a letter stating the reasons for bank no longer doing business with me was for Inappropriate conduct. No explanations of what conduct offended or whom it may have offended. I also received a written warning that if I entered any JP Morgan Chase Bank branch, I would be arrested for trespassing. Needless to say having my accounts frozen, and being threatened with arrest, all for some type of unknown offense was very stressful. My wife, who is not part of the complaint, was eventually able to move funds to another bank. My personal account was eventually closed by Chase and funds mailed to my home. 
What I want you to investigate is what did I do that was so inappropriate? Having the threats of arrest warrant some explanation of what was inappropriate. If you require any documentation of my complaint all you need to do is ask and tell me how to send it for your review.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute the debt This debt is fraudulent as I am a victim of identity theft.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is illegal to report any information on my credit report without my authorization. I kindly request that you immediately remove this negative item from my credit report.

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I filled out an online application with Big Picture Loans. The loan was for XXXX with a total monthly payment of XXXX for 10 months.I agreed to those terms.The true payment is XXXX for 26 months or XXXX for an XXXX loan.Once the loan funded I was able to see my truth in lending document which shows an interest rate on 697.09 % on an XXXX loan. I called the company on XX/XX/XXXX and was told that since the documents was already signed and money deposited that there was nothing I could do. I was told that they do not operate under US law and that they operate under Tribal law. They are now calling me daily. I explained to the representative that I will gladly pay back the XXXX however was told that XXXX would only cover the interest. Im at a loss of what to do.
Product: Mortgage

I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request multiple times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

My bank XXXX XXXX has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in XXXX and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted care credit for a dispute they said the doctor was acting in good faith I showed a police report that was filed and the doctor and office cant contact me so theres a lie. I proved that the doctor changed the XXXX on my wife while she was XXXX  they claim services were rendered it doesnt matter what he did he performed XXXX and I should just be happy.
Product: Debt collection

Arrange a XXXX part payment on the mortgage, An uncontrollable emergency expense came uo and I had to cancel the XXXX payment. Repeated told to pay this and to borrow it any way possible so the company could get it 's high mortgage payment. I told them I was modifying the mortgage and told okay but need to pay us now. Threats to do legal action continued daily.
Product: Credit card or prepaid card

This issue relates to the unacceptable fraud prevention Chase has in place regarding their co-branded XXXX credit card. I have never applied for the XXXX branded credit card, have informed Chase of as much ( via their customer service line, XXXX ) on numerous occasions, and have even changed my XXXX password. Nevertheless, there have been countless credit applications in my name ( reference numbers XXXX, XXXX, XXXX, XXXX, and XXXX ). Fortunately, in each event, the fraudsters guess of income to obligations has proven wrong and gotten the application denied. I reached out to Chase in XX/XX/XXXX to have them clear their credit inquiries from the credit agencies, which they did, and have repeatedly asked Chase to block any further XXXX credit card applications to no avail. As a result, I have had to place a credit freeze on my name. The fraudsters continue to seek approval from Chase with at least four applications within the last three months ( XXXX, XXXX, XXXX, and XXXX ).
Product: Student loan

In 1996 I attended a school called XXXX in XXXX, PA for XXXX. They advertised a MUCH higher salary for XXXX and charged me over {$40000.00} for the schooling. I could not find a job making enough money oto live off of and I had to go back to school. The school is closed now and I am still paying student loans due to the high interest rates.
Product: Checking or savings account

XXXX {$1200.00} {$370.00} {$150.00} $ Was paid out to me from XXXX Mobile deposit them froze my account after XXXX release the funds Im lost saying that they cant send my funds I still have the paper checks that were sent to me via Mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX  repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Equifax again went silent.
Product: Credit card

AMERICAN EXPRESS Date opened Balance Status Account charged off. {$1300.00} written off. 
{$1300.00} past due as of XXXX XXXX. 
XX/XX/XXXX {$1300.00} According to 15 USC 6802 this account must be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I had applied for Solar Panels with XXXX XXXX XXXX  which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for SarmaXXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that any accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The accounts and inquiries that need to be addressed are as follows : XXXX Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit card or prepaid card

Thank you for taking the time to read this. Since   XXXX   I have had a Best Buy credit   XXXX   that was backed by Citibank to make a few large purchases that I did not have the cash to spend on at the time. I realized last month that I was being charged for a debt protection program. I called to inquire about it and they told me that I signed up for it when I opened the credit card. I definitely DID NOT authorize these charges. Over the course of the years I was charged over {$700.00}! I canceled the program and asked fora complete refund as I did not authorize these charges. I was sent a letter stating that I was not owed a refund and told that the only way to communicate with that department was through mail. There are no phone numbers. Be aware!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Debt collection

Genesis Credit Management contacted my workplace on three separate occasions, attempting to collect a debt that I do not owe them. I have never received correspondence from this company that verified this debt, provided the original contract concerning this debt, or proof of my entering an agreement with them. They are reporting a collection on my credit report, and I would like it removed, as they have not verified the debt. 

They have violated the law by contacting my place of work on more than one occasion. My manager has notified me, and the HR director, and the director of finance have all confirmed they received calls from this company.
Product: Credit reporting or other personal consumer reports

To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all 3 major credit bureaus XXXX, XXXX and TransUnion. 
I have tried to call and mail, and dispute online but these 3 credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all 3 credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : 15 US Code 1692 pertains to collections, 15 US Code 1601 addresses charge offs & repossessions, 15 US Code 1666b relates to late payments, 15 US Code 1602p deals with hard inquiries. 

My credit reports have at least one of each of these negative items. Please Grant my request. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO BANK with no successful resolution. ( XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of The West - - {$23000.00} is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. They are reporting a debt that I do not owe. This debt is really old. Not only is it past the statute but it also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.
Product: Debt collection

The XXXX XXXX  collection on my Transunion credit report needs to be reinvestigated or deleted, I have an identity theft report and I have disputed this collection. XXXX has deleted this collection from my credit report, Transunion has to do the same, how is it that one credit bureau deleted it and the other says that the collection is accurate, dont both of these companies do the same type of investigation and go thru the same process.