23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data breach so I pulled my credit reports including Experian along with XXXX and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I never received a credit card from CHASE BANK or XXXX DELETE/REMOVE HARD INQUIRIES CHASE BANK CARD SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was sick with XXXX and im still getting back to normal. I looked at me credit and seen 24 inquiries that I never gave permission all is listed below I need these removed. I dont know whats going on. Please help and delete. 


XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.
Product: Credit card or prepaid card

On XXXX I sent a letter to Key Bank at XXXX XXXX XXXX XXXX XXXX XXXX explaining there never was a late payment. Even as the minimum payment varied Example { Min payment due XX/XX/2022 was {$47.00} ) the month prior it was {$48.00}. now all of a sudden the min payment was accelerated to {$120.00} due in XX/XX/2022 there was no explanation as to why. Now they have revoked the use of my card and reported me delinquent to the credit rating agency. Thus effecting my credit score. Today I telephoned to see if they had received my letter and was told they had not. I believe this is fraud perpetrated against seniors.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions Have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

One main financial call me back to back even though I have talk to numerous representative stating the same thing. I have a claim that has been approved and the pay my car payments monthly. If they are a day late one main calls me saying my account is deliquent. They claim its their job and they have to call you everyday until its pay. This is constant mentally draining and is harrassment.
Product: Debt collection

I reached out to the original creditor informing them about the fraud that occurred on this account by phone and through a cfpb complaint. I did not receive a notice to dispute or debt validation. The company is also trying to reage the debt which is illegal. I have disputed this with XXXX and also with the original creditor.
Product: Debt collection

Your continuous calls and such conduct has caused me to suffer severe humiliation, embarrassment, emotional distress and physical discomfort. Please take note that any unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. I am being caused mental anguish because of these unfair debt collection practices. I will be seeking and filing mental anguish and economic damages due to these deceptive trade practices. I will seek financial relief and any further contact will be recorded. Please refrain from the abuse or I will continue to file complaints and contact others that have had similar experiences to start a rally against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, a XXXX XXXX XXXX XXXX  ) executed 2 hard inquiries on my credit report on XX/XX/2023 and XX/XX/2023, neither of which I requested or approved. I have notified them about the error, and want these inquiries removed from my credit report. I also deny XXXX the right to consider ANY and ALL future applications submitted under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. Please repair and update these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., 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 or other personal consumer reports

On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included XXXX. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a car accident which left car totaled. At the time I was XXXX month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my XXXX didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.
Product: Credit reporting or other personal consumer reports

I was married, we divorced last XX/XX/year>. She has not been paying her bill to capitol One. she has begun a debt consultation with a company. the issue is I'm evidently and unknowingly an authorized user on her Capitol on account and I did not know it. I called Capitol one and they said she would have to remove me from her account. this was XXXX. Today my ex-wife called capitol one and had me removed as a user on her card. now I'm still showing over 120 days late on that account. I have great credit please help. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is something that has to be years old. When I search it comes up as XXXX and I have had XXXX for 4 years and XXXX for almost 2 1/2 years now. This debt has been sold a number of different times and has reported over and over again and I can never get anyone to have a civilized conversation they scream call me names and hang up. XXXX XXXX XXXX XXXX both found it to not to be a valid but XXXX will not remove. This is something that should be illegal how can a company get away with doing this. I have work very hard to keep my credit clean only to have this company report a fake account all in red?? Please help me clear this up I would be forever grateful. This company upon further review apparently does this often ...XXXX shameful!
Product: Checking or savings account

Truist Bank blocked my account stop me from receiving my funds held my income tax, and 15 USC 6802, 15 USC 6803, 15 USC 6804, 15 USC 6805 it was reporting my personal information to different agencies breaking the arbitration agreement and title 15 subsection title, 1611 faults and misleading denial of my own credit,
Product: Credit reporting or other personal consumer reports

I requested Experian to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. 

Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX  requested to see my report. XX/XX/XXXX not XX/XX/XXXX. 

As I have been a victim of identity theft, I panic and contacted XXXX XXXX   fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for CLI. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. 

I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. 

I am very disapointed in XXXX. Anyhow, see below the alert From Experian on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! 

XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX/XXXX  obtained a copy of your EXPERIAN Credit Report. 
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX/XXXX raised your credit limit to {$2100.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?
Product: Payday loan, title loan, or personal loan

Took out a payday-loan not knowing that it would cost 790.76 % from XXXX XXXX dba Rosebud Lending. I was already in a financial bind to begin with and did not realize what i signed up for until I went back on the website to read terms and agreement on the loan. I borrowed a total of {$300.00} on the loan in XX/XX/2018. So far i have paid to payment of {$180.00} first payment was on XX/XX/18 and next payment was on XX/XX/18. So far i paid a total of {$360.00} as of today. I have paid back the loan I borrowed plus additional {$64.00}. I did not realize that majority of the payment would go towards the interest/finance charge of 790.76 %. This is absurd. I am a struggling mother of XXXX kids barely getting buy to pay our rent so that i can have a roof over my kids head. I can't afford and continue to pay {$180.00} for another 9 months which in the end of my loan would cost me a total of {$1600.00} on a {$300.00} loan.I am requesting that you consider my loan agreement to be paid in full since you have already taken {$360.00} of my money. If I continue to pay I will not have enough funds to cover my rent. I am struggling now and can't afford to be kicked out of the apartment i am renting with my children. I tried to call and emailed several times and got nowhere with your company. I was also advised by the local attorney general office that XXXX XXXX is not licensed to do business in my state.
Product: Credit card

On XX/XX/XXXX, I called Bank of America and requested that an account that I NEVER APPLIED FOR OR RECEIVED! Spoke with Customer Service for over 15 minutes ( a picture of my phone conversation shows this ). I was told that the account would be closed in 24 hours. Then on XX/XX/XXXX, I received an email stating that the account would remain open until XX/XX/XXXX!! BANK OF AMERICA IS HOLDING ME HOSTAGE FOR AN ACCOUNT THAT'S NOT MINE FOR 2 1/2 MORE MONTHS!! 

I want this account CLOSED ASAP, I know that my request to close an account doesn't take XXXX XXXX months. ( attached is a copy of the email ). 

Also, Bank of America, stated in Case # XXXX ; that they were mailing their respond to me, FOR WHICH I NEVER RECEIVED! Why didn't BOA, send their response thru CFPB?? CFPB then closed my case which was VERY UNFAIR!! BOA THINKS THEY CAN DO WHATEVER THEY WANT AND CFPB ALLOWED THEM. 

I WANT THIS ACCOUNT CLOSED ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several times inaccurate information, XXXX XXXXXXXX XXXX has continually electronically verified erroneous information, they did not disclose to Experian that the alleged old debt from XXXX was closed by me, due to charges that were fraudulent, Experian has not sent me any of the original file that had on the debt, also Experian has not sent me anything that the former creditor had released to them, they did not follow statute of verification per federal fair credit reporting act, and continually blemish my rating with this erroneous data. 

Experian also has not removed a satisfied debt via XXXX, XXXX XXXX XXXX XXXX XXXX, that was to remove the file from my credit, per agreement we settled on ... both cases are now in a federal docket filing in court awaiting a court proceeding date. 

Experian continually leaves unverified or failed to disclose the information that former creditors allegedly sent them, they did not verify, they only accepted inaccurate file case records.
Product: Credit reporting or other personal consumer reports

I am Calling in question the The illegal Collection accounts reporting on my Jefferson Capital System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/comenity bank reported that my account was delinquent 30 days or more. This is false. I made arrangement with XXXX due to COVID 19. When I called, they realized their mistake ... admitted that they were wrong, removed the late fees and the interest that was charged & said they would fix it. 
However, they still reported it late
Product: Debt collection

Received a phone call from a person at Alliant Capital stating that i owe them money for a payday loan with XXXX XXXX. I never took out this loan, and then they started naming my relatives stating i used them as references and then threatened to have the police arrest me. I never has anything to do with XXXX XXXX or Alliant capital