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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) Transunion displays 1.XXXXXXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX via XXXX XXXX 5XXXX XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) XXXX, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXXXXXX 3.XXXX XXXX XXXX 4.XXXX 5.XXXX ( 3 ) XXXX. 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6 XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXXXXXX XXXX. 

I am XXXX, Retired Lifetime. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.
Product: Credit card or prepaid card

Company calls me all day long. I 'm working and my phone goes off maybe like 10 times while I 'm working. They call me from XXXX am to XXXX. They keep harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Numbers XXXX XXXX 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: Vehicle loan or lease

Gm financial has continued to call multiple times every day, leaving messages even after a payment arrangement was made the week and day before and notes were put on account. 
Very harrasing
Product: Debt collection

Sometime on XX/XX/ 2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from MRS BPO , LLC trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that I am a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. Unauthorized inquiries listed below... 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCHEVRON XXXX XXXX
Product: Debt collection

I received two e-mails that XXXX funding deleted my payment arrangements. They are not listed on my account anymore. They failed to mention this in their last response. I take it as they have closed the two accounts and sent them back to the creditor.
Product: Credit reporting

The accounts XXXX and XXXX ( ANY AND ALL ACCOUNTS REPORTED UNDER XXXX XXXX XXXX ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over one of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several credit dispute with the the 3 major credit reporting agency and the negative information is still showing on my credit report. I've even ask for proof and sent in proofs of where I was living at the time the account were open in my name. They have the proof that these account do not belong to me but the continue to bully and harassment me into paying for something that isn't mine.This information is still on my credit reports. I would like to have these negative errors remove stating with XXXX, discover card. I didn't open these account up in my name I just became aware of these account in 2019. So again thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX XXXX XXXX XXXX XXXX debit that was purchased by LVNV FUNDING LLC supress since the correct amount is not reflected on the statement that should be owed. In XXXX and contacted XXXX XXXX XXXX directly to request to close my account and I was denied to close the account. I immediately stopped utilizing the credit card when it reached {$450.00} of its credit card limit and informed the company I no longer wanted an account. They insisted on keeping my account open although I told them I was unable to maintain my account at that time. In XXXX LVNV requested an immediate payment of {$1300.00} for outstanding credit charges. However, my credit limit on the card was {$450.00}. I contacted XXXX and informed them that I was willing to pay what used on the card but I refuse to pay an incorrect statement amount since I did contact XXXX XXXX  to request to close my account but they refused. I would like for this debit to be removed since it is more than XXXX XXXX XXXX.
Product: Mortgage

I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. 
I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. 
It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.
Product: Credit reporting or other personal consumer reports

Experian and XXXX added an account back to my credit report that had been removed a few months ago. By doing this, they violated the Fair Credit Reporting Act ( FCRA ). They failed to notify me within five business days of the reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and did not provide proof of accuracy, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Since this account was opened without my consent and is linked to identity theft, not removing it is a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX regarding this issue. Both XXXX and Experian failed to resolve the matter within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and correct errors within this time frame. I request that you delete this account immediately. Failure to do so will result in legal action to protect my credit, with potential damages of {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/ and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response 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

Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification
Product: Debt collection

I received ( in my daughters name ) a collection notice for a bill from two years ago from XXXX XXXX. We have never seen a bill from this company nor has our insurance been billed. Now, our insurance company has changed at my husbands work, and this will probably effect my daughters student loans.
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 Equifax and XXXX credit bureaus to validate these 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 following erroneous information that needs to be investigated and correct 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

XXXX, XXXX, transunion and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have submitted complaints XX/XX/2021 I dont think the officail understand what i was saying I did not say the police report as fraud it was proof that my wallet was indeed stolen and that people have been using my information also submitted letters from my lawyers sent to all entity 's all I have never been issued a credit by or was I never contracted with quality recovery service this has been a hard ship burden on my life i have not been able to apply for credit or a home because of this fraud I will seek full damages I demand you take this fraud off my credit report asap! as I said in my perceived complaint before i will attach my id & police report & the letter from my layers sent to these enitys with late responds with more fraud documents with no vaild proof of contract or proof of credit issued this have volated my rights if these account do not get removed I will be sues eveyone involved.
Product: Credit card or prepaid card

My XXXX XXXX credit card was stolen from my car, and was used to purchase the following, resulting in a XXXX point drop on my credit report, and has the potential to damage my credit further : - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX in XXXX, CA {$26.00} - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX XXXX, CA {$270.00} I have already reported the card stolen to Comenity Capital BankXXXX XXXX the account was closed, and unauthorized charges were reported, documented, and are currently under investigation. 

I was told I will receive a letter in the mail with the results of the investigation, once completed. 

I will also reopen my previous police report from the day my card was stolen, and see if they can check the cameras in the above stores to try and catch the person who did this.
Product: Mortgage

My mortgage was transferred XX/XX/XXXX from XXXX XXXX XXXX to XXXX. When I went to pay my monthly payment it had increased from XXXX to XXXX. I reached out to them and they said it was due to a negative escrow account. After getting my account information it showed that upon the start my account only had XXXX, making it go from negative to positive repeatedly from the start. At closing, on XX/XX/XXXX, I paid {$1000.00} towards my fall XXXX taxes and an initial escrow payment of XXXX to XXXX XXXX XXXX. My loan started with XXXX XXXX  XXXX and was bought later by XXXX XXXX XXXX in XX/XX/XXXX and is currently with XXXX since XX/XX/XXXX. I contacted the treasury department of XXXX XXXX and was able to confirm that the fall XXXX tax was not paid during closing and was paid later by XXXX XXXX XXXX in XX/XX/XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX in XXXX, IN ( XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Phone : XXXX ) at the end of XX/XX/XXXX and she said she would look into it. XXXX XXXX confirmed in the beginning of XX/XX/XXXX that she " wasn't sure how this happened but that I would probably need to be refunded. '' She said they would probably have to pay the mortgage company directly. I stated either way was fine as long as it got to my escrow account. It is now the beginning of XXXX and I have left multiple emails and phone messages, as she hasn't responded since admitting the error. I am at a loss of what to do or how this kind of error goes unnoticed when they surely have to see extra funds if they are did not pay the tax or apply the amount to my escrow account.
Product: Credit card or prepaid card

My card has charges on it that were not made by me. I wrote a Dispute letter and also a letter from my employer stating my where abouts during the date and time the charges occurred. On XX/XX/2018 at XXXX a charge for {$100.00} at XXXX XXXX XXXX NY . On XX/XX/2018 at XXXX a charge for {$210.00} at XXXX XXXX-NY. On XX/XX/2018 at XXXX a charge for {$60.00} at XXXX XXXX. XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$18.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$290.00} at. XXXX XXXX XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$69.00} at XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$100.00} at XXXX XXXX XXXX NY US. On XX/XX/2018 at XXXX a charge for {$81.00} at XXXX XXXX # XXXX NY US . On XX/XX/2018 at XXXX a charge for {$3.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$9.00} at XXXX XXXX # XXXX XXXX NY US . On XX/XX/XXXX at XXXX a charge for {$19.00} at XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$88.00}. Its been over 7 months I have no letter explaining why I was denied. I called over 30 times trying to get a representative to mail me this letter they put me on hold then say after an extended hold time of over 10 minutes they say no one is available. Sometimes they hang the  phone up on me. The card company is XXXX XXXX  Visa Prepaid Debit Card is issued by XXXX XXXX XXXX XXXX, Member FDIC, pursuant to license from Visa U.S.A., Inc. This lost of money has set me back on bills, food, and shelter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request a personal loan at XXXX, and it was denied for serious delinquency. I investigated Equifax and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in Equifax and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX U S DEPT OF EDXXXX Account XXXX XXXX and XXXX U S DEPT OF ED/XXXX  Account # XXXX and XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company is placing false information on my credit that is false I have reported to them and the credit bureau that the information is wrong. 

CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX, TN XXXX Stated date XXXX XXXX, 2015
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX