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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX  balance {$7400.00} XXXX XXXXXXXX XXXX balance {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a past due payment on my credit report. XXXX has been reporting late payments on tradeline XXXX account number XXXX inaccurately on my consumer report. I have reached out to XXXX for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything. 

It is almost impossible to get ahold of anybody on the phone from XXXX, Transunion, or XXXX even if even when your a paying customer. I want my money back. I am dissatisfied by your service. They are basically using my information without my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that XXXX, Transunion and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. Please fix the technical errors in your system. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. XXXX, Transunion and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and recommend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.
Product: Debt collection

I reviewed my credit report and noticed that XXXX XXXX was reporting a negative trade line on my credit report ... Open collection without a balance nor who are they collecting for..account number # XXXX. On XX/XX/XXXX I mailed them a certified debt validation letter. On XX/XX/XXXX I sent them via certified mail a failure to validate letter. They received the first letter on XX/XX/XXXX... as of right now they have not responded to both of my letters. I also disputed this account with the XXXX XXXX twice and they CLAIM that the account was verified and it will remain on my credit report. I do not understand how is that so because XXXX XXXX has not responded to my claim. On XX/XX/XXXX I contacted XXXX XXXX   and I spoke with XXXX and she advised me that they received my debt validation request on XX/XX/18 and they have submitted the dispute to the original creditor. As of today I have not received any correspondence from XXXX XXXX nor the original creditor. XXXX XXXX has violated the Fair Debt Collection Practices Act and Defamation of Character. XXXX XXXX claim is frivolous as they are unable to verify this debt within time frame.
Product: Checking or savings account

On XX/XX/2022 I attempted to access my account online to check my balance. There was a message telling me that the bank needed to verify my identity and to call XXXX. I called and the man asked me several questions that would verify my identity. After about XXXX minutes of questions, he informed me that he would forward a report to the verification department and that it would take 3-5 business days to resolve. In the meantime, I then could see that I had no access to my account. I attempted to go to an atm machine, but after 3 attempts in three different bank ATM machines, I had no access. 
I returned home and called the above mentioned number, and this time spoke to a woman. I told her that this was not acceptable. I was upset, but at no time did I use any vile language, nor did I use language that was threatening. I told her that I was traveling in XXXX and that I needed access to money immediately. She suggested that I go to a branch of my bank to identify myself. I told her that I am traveling and that there is no branch of the bank here. I once again, in firm but not violent terms, told her that I could not go XXXX days without access to my money. I asked her what else she needed to identify myself. I waited for an answer, but I discovered that she had hung up on me! 
So I called back the above mentioned number, and now complained to a third person about the original problem, but also now that an agent had hung up on me. 
I want to know : 1. Is it legal for them to put a hold on my account, while they " resolve '' a problem, when I had answered all questions regarding my identity. 
2. What else could they, behind the scenes, be investigating? The very nature of their questions should indicate to them that only the person on the account could possibly answer them. 
3. What actions may I take against the bank so that this does not happen?
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies on my credit reports from TransUnion, XXXX, and XXXX regarding the following issues : Unauthorized Inquiries Late Payments Collection Charge-Off Account Despite my efforts, these inaccuracies remain uncorrected, which is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an account from XXXX XXXX XXXX in the amount of {$1600.00}. I have now disputed this account no less than three times, as recent as XXXX of this year. Experian has returned with a response that the debt has been verified, but has refused to send me any proof or documentation of this debt or contact with the collection agency. I have received confirmation from both XXXX and Experian that this debt can not be verified as mine and it has been removed from both bureaus. Experian has not validated this debt or responded to me regarding it. If this debt can not be validated, it is my legal right that it be removed from my credit profile. 

I have additionally tried to obtain validation of this debt from the collection agency directly. The letter was returned to sender as the address on the letter of debt that I received is invalid.
Product: Credit reporting or other personal consumer reports

CFPB- This is one of the things EQUIFAX is doing to my credit score my 1st Progress Credit Card is always paid on time and I keep my Debt to Ratio under 30 % and they continue to drop my Score when accounts are paid on time you credit scores supposed to go up. I've even called them about this matter. My honest opinion when you call they make matters worse then solving the solution.
Product: Mortgage

On XX/XX/ at XXXX I spoke to Manager XXXX XXXX whom he was incompetent, and rude. we spoke on the phone and discussed the letter for foreclosure that i never received till this day. After that day of conversation, a week later i sent the due payments in one check certified as their request. This week i received a letter that i own twice what i supposed to pay ... ( a letter was download and attached to this complaint ). I am furious and won't tolerate this treatment. I am seeking apology and compensation. I had made attempt to forward this complaint several times to the CFPB. I do not know why we have not charge for violation of 'RIGHTS '. This is my last attempt before this will escalate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit, also has caused me great financial harm because, I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. Remove Now 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This hard inquiry is fraudulent I didnt authorize it. XXXX XXXX XXXX XX/XX/2023 please delete it from credit report.
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.

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: Credit reporting or other personal consumer reports

In accordance to 15 USC 1681s-2 they must furnish accurate information and update information that is inaccurate. When I observed my credit report on XX/XX/year>, I noticed incorrect balances. The XXXX XXXX Account # XXXX balance showing on credit report is {$1600.00}, this balance is inaccurate. The XXXX Account # XXXX balance showing on the account is {$400.00}, this balance is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed dispute with XXXX  and Equifax that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX deleted the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED XXXX CHARGES XXXX XXXX XXXX debited/assessed XXXX charges XXXX my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXX, XXXX XXXX reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXX XXXX  reported to XXXX, Equifax, XXXX and MY FICO as 30 days late. Since it is XXXX XXXXXXXX XXXX  responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXX XXXX removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the XXXX late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all XXXX ( MYFICO, EQUIFAX, XXXX AND XXXX ) is still reported as 30-days late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all four credit reports ( MYFICO, EQUIFAX, XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, EQUIFAX, XXXX AND MYFICO CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXXXXXX XXXX XXXX  reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXX XXXX XXXX  has agreed and verified in a letter to me dated XX/XX/XXXX.
Product: Debt collection

Unfortunately, I did not take note of every statement I have received, nor did I take note of all contact with XXXX XXXX XXXX. We received a statement dated XX/XX/2016 for {$230.00} from XXXX XXXX XXXX. I called my health insurance company, XXXX, on XX/XX/2016 and asked them about the statement. XXXX informed me that XXXX XXXX XXXX has a contract with them and as part of their contract, XXXX XXXX XXXX should NOT be contacting me for payment. I called XXXX and let them know that and I told them that I just want to make sure that this does not go to collections and hurt our credit that we have worked so hard to build. The employee at XXXX XXXX XXXX would not confirm with me that our account would not go to collections when I asked. Since XXXX was unwilling to help me in any way, I decided to call XXXX back on XX/XX/2016 to let them know that XXXX would not confirm with me that my account would not go to collections. XXXX put me on hold and called XXXX XXXX XXXX. The representative at XXXX spoke with XXXX XXXX at XXXX. XXXX confirmed with me that they already payed XXXX {$230.00} for the services rendered and that the bill that XXXX sent me was a double charge. XXXX gave me a confirmation number of XXXX. I called XXXX back on XX/XX/2016 to confirm that everything was taken care of, given I had not received another statement in about a month 's time. XXXX told me that they sent XXXX XXXX the Explanation of Benefits and that I am not accountable for the payment and to stop worrying about it. I felt at ease until I received another bill from XXXX XXXX XXXX on XX/XX/2016. The statement read : ****FINAL NOTICE**** YOUR ACCOUNT IS SEVERELY DELINQUENT. IN ORDER TO AVOID FURTHER COLLECTION EFFORTS, PLEASE REMIT PAYMENT UPON RECEIPT OF THIS STATEMENT. Today, I received a bill from a collection agency ( Synerprise Cpnsulting Service, Inc ). I am just too busy to be dealing with this. My mother just passed away. I just do not know what to do or who to contact to resolve this and to prevent it from hurting our credit. Please help! Thank you so much.
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquiries on my credit report. I have been a victim in the following data breaches Equifax, XXXX, and XXXX XXXX XXXX as a result my information has been leaked on the dark web. I have called and sent in several requests to have these inquiries removed from my consumer file. The have not been removed nor have I been contacted as a result of the investigation. Below are the inquires in question Date Company Address Request Originator XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my XXXX, XXXX, and Equifax reports an inquiry shows on XX/XX/2017. I have contacted XXXX XXXX several times regarding a fraudulent application that they caught. They told me that they have reported such to the three credit reporting agencies. It seems to me that by now these dings on my credit should have been removed by now,
Product: Payday loan, title loan, or personal loan

Early in XXXX ( I believe it was XXXX ), I noticed there were some charges made to my bank account. They were for the company in question, MoneyLion. Because the charges were unknown to me and there were other unknown charges made to my account at that time, I had filed a dispute with my bank, XXXX XXXX. I had provided a written statement and signed affidavit to XXXXXXXX XXXX. The charges to my account were removed and once my money was returned to me, I closed the account. Near the end of the process, I inquired if there was anything I needed to do with the offending company. XXXXXXXX XXXX said no. 

On XX/XX/XXXX, I had started the preapproval process for a home loan. It was at this time I had discovered that MoneyLion had reported that a loan taken out in my name without my knowledge had been discharged. 

Upon discovering this, on XX/XX/XXXX, I had reached out to MoneyLion to try to resolve the dispute with them. The customer service representative said they would forward the case to their fraud department, who would then call me when further information is needed and also send me paperwork to sign, such as an affidavit. 

As of right now, XX/XX/XXXX, I have not received any phone calls, nor have I received any paperwork from MoneyLion.

They do not seem like they want to correct the issue they caused by not performing due diligence when verifying the identity of borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is foXXXX XXXX XXXX XXXX XXXX  from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is XXXX days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I filed a report with CFPB ( XXXX-XXXX ) against this company for items on my report due to identity theft I provided a police report and an FTC report even though they removed the items they refuse to delete the inquiries that were also due to identity theft and fraud here are the items there are also new inquiries. When I called the company they gave me a line that they don't remove or dispute hard inquiries which are against the law you have to remove inaccurate information from my report they also claimed that I did not file the above-referenced report with you all I spoke to a Manager who also stated the same facts. This Credit reporting agency needs to be investigated. Inquiry details Miscellaneous Reptg. Agencies  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, Old