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

1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Product: Credit card

I had a SECURED card with Self Lender. I asked them to close the account on XX/XX/year>. On XX/XX/year> I made my last credit builder account and told Self Lender to apply this to my secured card and close the account. Self Lender didnt do that and began charging me late fees. They only closed my account in XXXX and continued to charge me late fees until they charged off the account and reported it to the credit bureaus. I DO NOT OWE SELF LENDER ONE XXXX!!!!!! Self lender is trying to scam me out of {$140.00}. They need to correct this account and either remove it from the credit bureaus or change it to paid as agreed. Once again I owe them XXXX DOLLARS!!!! Every XXXX that Self claims I owe them is LATE FEES on an account that I closed and they didnt!!!!!
Product: Debt collection

I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe XXXX XXXX XXXX any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that XXXX XXXX XXXX never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from XXXX XXXX XXXX notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Violation of 15 U.S.C. 1666b Dear Dispute Team, I am writing to dispute late payment information appearing on my credit report that I believe is inaccurate. These entries may also involve a violation of 15 U.S.C. 1666b, which governs the prompt crediting of payments. 

The details of the dispute are as follows : Account Name : BMW FIN SVC Account Number : XXXX Disputed Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason for Dispute : I believe the late payments are reported in error. 

Although I do not currently have supporting documentation, I am requesting that XXXX investigate this matter with the creditor in question to verify the accuracy of the reported information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to expect a thorough investigation. I kindly request : 1. Verification of the late payment entries with the creditor.

2. Removal of any entries found to be inaccurate. 

Please provide a written response detailing the results of your investigation. If the disputed information is not corrected, I request a description of the steps taken to verify its accuracy and access to any evidence used to validate the information. 

Should you require further information, please contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period required by the FCRA. 

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

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate unverifiable accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, a legend, systematic issues, such as a failing to forward, consumer provided evidence to furnishings accepting unreliable responses, and failing to adequately, notify consumers of dispute outcome these failures aligned with my experience where experience has neither corrected or removed disputed items the evidence I provide cause ongoing harm to my credit I am requesting immediate corrective action to remove our amend the disputed account as Experian in action violate federal laws and my rights as a consumer
Product: Credit card

I have called Wells Fargo many times, the most recent executive complaint was submitted XX/XX/2023. Wells Fargo responded that I would need to call my banking institution to see why my account is unable to be verified. A week prior to this complain I placed a three way call with Wells Fargo and my bank XXXX XXXX and they verified the routing number and checking account number I used to make three prior payments were valid. Each time I setup my external bank payment method on their app then after they pulled funds they email me that my account is suspended and I would need to call them to resolve. When I call Wells Fargo to resolve nobody seems to know how to resolve or what they are doing. I then try to walk down to their branch on my lunch break and now all of a sudden then have reduced their hours and close down at noon each day. In my opinion Wells Fargo is just trying shake me down and charge me interest and I would love to pay them but can not get them to take my money. Please help me as I do not know any other way to get their attention. You would think a bank this size would have people that know what they are doing. their explanation of resolution is call backs within 48 hours or responses within 10 days. Please assist me
Product: Credit reporting

I have disputed this account reported to Experian, from XXXX XXXX Bank. 
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau.
Product: Debt collection

Received notification of a collection account through XXXX Credit report. I am not familiar with the collection agency, XXXX XXXX XXXX. I was advised by an XXXX  XXXX that the collection agency has Citibank as the original creditor. I have never opened an account with Citibank. 

In XX/XX/year>, I noticed Citibank appeared on my XXXX Credit report. I contacted Citibank 's XXXX dept, and it was determined it was not me. Citibank was removed from my XXXX Credit report. 

XXXX XXXX XXXX 's information from my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX
Product: Credit card or prepaid card

Capital One Savor account active for several years. Asked to have annual fee waived after it was charged in XX/XX/XXXX. Representative stated they could not waive the fee but if I close my account the fee would be refunded. I fully paid off the balance in XX/XX/XXXX, received a bill for zero dollars for billing. XX/XX/XXXX through XX/XX/XXXX. Called customer service on XX/XX/XXXX and was told they could not process the annual fee refund yet and I had to wait until XXXX and call back to ensure the refund was processed. Called back to customer service on XX/XX/XXXX and I am now told that the account is closed and they have no way to refund the annual fee. I asked that they go back to the recorded lines and listen to the call where the representative told me I would get my refund but they declined me any further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. Someone is using my information to obtain credit in a fraudulent manner.
Product: Debt collection

I have disputed this debt in collections on my credit file several times. I have never received any information as to what this debt is for. I was not given a chance to rectify this before it was reported to my credit file. The credit bureau only updates my credit file stating the debt is accurate however the credit bureau nor the collection company has ever given me any explanation. Also I have no idea what Trojan Professional is.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 credit Bureaus have been made aware via certified mail. 
Sent in FTC report via USPS certified mail and filed to credit bureaus on XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts Affected by the XXXX XXXX XXXX Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) to be incorrect : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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

Hi CFPB, For XXXXXXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Student loan

First, I am a father of XXXX beautiful children and lost out on several houses due to the lack of communication, the unprofessional communication, and the misinformation provided to me by Navient. I currently have over {$230000.00} in school debt ( from XXXX and XXXX XXXX ). Last year, I was attempting to obtain the necessary information from Navient in order to qualify for a house mortgage. I needed documentation from Navient to provide to my mortgage banker to verify the amount of mortgage I could afford. My mortgage broker can confirm, that I spent several hours each week on the phone with Navient trying to obtain the correct information. It took several weeks to obtain the correct documents, which in return caused me and my family to miss out on qualifying for a mortgage and missing out on houses. The lack of professionalism and misinformation from Navient also caused the financing rates to increase ~1 % for the housing mortgage. Both myself and my mortgage banker attempted to obtain the correct documentation and loan repayment information from Navient. I even recall on one occasion, the Navient representative was threatening to hang up on me because I asked to talk with her supervisor. I can go on about how horrible my experience was and is with Navient, but words can not express how much sleepless nights I have had because of Navient. I even asked about loan consolidation to help save me money and was told I was not able to consolidate.
Product: Debt collection

I took out an XXXX credit line through XXXX XXXX out of XXXX, OH to pay for a XXXX XXXX XXXX XXXX XXXX I had my debt paid in full in XXXX of 2022 when I could afford it and had previously paid increments. This final payment was a couple of days late, but they did not apply the late fee, so I paid the full amount. Following this, they applied a late fee that I was unaware of and after my balance was brought to {$0.00}. Since then, they have called me numerous times to " Collect a debt '' that I did not owe and used interest to raise my bill total to now over {$250.00}, and brought my credit score down by XXXX  points.
Product: Credit reporting

I am a victim of ID theft. I have reported this information to the FTC and I have filed a police report with my local agency. After 2 1/2 yrs Experian is the only bureau reporting the fraudulent information on my credit- it has cost me and family a lot. I also have to pay higher premiums because of the fraudulent information. I am reaching out to you for assistance. If you can not assist me I will take the matter to Federal Court. The XXXX accounts are referenced below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.
Product: Credit reporting 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 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 XXXXXXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} DEPTEDXXXX  XXXX Balance Owed : {$170000.00}
Product: Debt or credit management

Dear or Madam : On or about XX/XX/year>, a representatives claimed they were calling from Bank of America regarding scams in our business and personal accounts in the amount of {$18000.00}. They insisted that if I purchase gift cards in {$500.00} increments, take pictures of the cards and text them to them, I will get my money bank. 

I immediately called bank of America Fraud Department alerting them. The scammers keep calling me to purchase the gift cards. I went to XXXX and XXXX XXXX XXXX. While at XXXX XXXX XXXX, I called Bank of America Fraud Departments letting them know that I was at XXXX to purchase the gift cards, but my accounts were frozen. 

Bank of America unfreeze the Debit Card and I purchased the gifts cards. Bank of America Fraud Dept. knew or should have known that purchasing gift cards, taking pictures, texting the pictures of the gift cards are scamming modus operandi. 

Bank of America opened investigation, and later refunded the {$18000.00}. XXXX months later, they reversed the credit of {$18000.00}. 

Most importantly, they were investigating the Claim as a Fraud instead as a Scam. Now, they are investigating it as Scam. 

The BoA representative assigned to the case has not returned my calls or emails. 

I need my funds of {$18000.00} plus damages for willful negligent by Bank of America employees of the Fraud Department.

Thank you for your assistance in resolving this matter promptly. 

If you have questions or concerns, you can reach me via email XXXX or by phone at XXXX. 

Respectfully Submitted, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : All these accounts appear to be applications for auto financing. I did not give permissible purpose to anybody nor company to run my credit report. Please provide proof or delete unverifiable inquires from my report. Thanks XXXX # XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of unauthorized hard inquiries on my credit report maintained by your bureau. I kindly request your assistance in investigating and removing these inquiries, as they were made without my knowledge, consent, or any legitimate purpose. I believe that their inclusion on my credit report is unfair and unjust, and I seek resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ).

The following unauthorized hard inquiries are currently reflected on my credit report : Inquiry Date : XX/XX/year> Inquiry Source : XXXXXXXX XXXX Inquiry Date : XX/XX/year> Inquiry Source : XXXXXXXX XXXX XXXX I hereby request a thorough investigation into these unauthorized hard inquiries. I require you to verify the legitimacy of each inquiry and provide evidence that justifies their inclusion on my credit report. If you are unable to substantiate the legitimacy of these inquiries, I kindly request their immediate removal from my credit report. 

Furthermore, I urge you to take necessary measures to prevent any re-reporting of these unauthorized hard inquiries to any third parties. Their continued presence on my credit report could result in adverse effects on my creditworthiness and financial opportunities. I expect your assurance that no further harm will be caused by these inquiries. 

Please provide me with a written response within the statutory timeframe of 30 days, detailing the actions you have taken to address this matter. I anticipate a prompt resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I trust that you will handle this issue with the utmost professionalism and adherence to applicable laws.

Thank you for your attention to this matter. I appreciate your efforts in rectifying the unauthorized hard inquiries on my credit report and restoring the accuracy of my credit history.