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

On XX/XX/2022 and XX/XX/2022 I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Product: Credit reporting or other personal consumer reports

My identity was compromised in a data breach, there were over 20 things reporting on my credit. XXXX confirmed this is a bank. I only have 2 bank accounts this company is not one of them. Midland Credit is reporting an account in collections. I have asked this company to send me the original contract with my signature but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2022 I have reached out to Exeter finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for Exeter to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.
Product: Debt collection

I had a XXXX XXXX account opened for many years and have made regular payments. I have recently gone through financial hardship and could not afford to keep making payments. The amount owed seems excessive since I had to immediately leave the premises.
Product: Mortgage

I have recently started the application process to receive a mortgage relief grant through the XXXX XXXX XXXX  XXXX. However, I have been informed that my application can not be processed because XXXX is not currently participating in the program. 

According to program requirements, mortgage relief funds granted to qualified homeowners would be sent straight to their servicer to pay off delinquent payments. If a servicer is not participating in the program, the applicant is not eligible to receive these funds. 

I believe I meet the qualifications for the program and have all the necessary information ready to submit. However, without XXXX 's participation, this process can not be completed, and my mortgage will remain delinquent. I would like to request that XXXX contact the XXXX XXXX XXXXXXXX XXXX and sign up to participate so that I and many others can get their mortgage delinquencies caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i seen that i have some unauthorized credit inquiries, i contacted all 3 credit bureaus and placed fraud alert as well as disputed the inquiries, Equifax sent me a letter stating that i need to contact the creditors, i contacted the creditors and received letter from most creditors that the inquiry is fraudlent and will be taken off my credit report, i sent copy of all letters to Equifax and there was no response neither deletion of the inquiries, along with this i received notifications from XXXX that my identity has been sold on black market and as well a notification of unknown attempt of someone signing in into my email, i contacted Equifax again concerned about my identity and inquiring about the fraudulent inquiries and never received any type of response or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Transunion.com {$19.00} Went into TU website to check credit report. 
Went through steps in providing personal information. 
Then was asked to enter credit card # and security code. 
Did not see any disclosure on whether my card would be charged. 
Learned after calling customer service that {$19.00} was charged on card. 
And that I had enrolled in monthly monitoring service with {$19.00} monthly fee. 
Cancelled service immediately. 

Very deceptive process I just went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and do not know what is correct. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away
Product: Debt collection

as per the guidance from the consumer financial protection bureau ( cfpb ) the documents needed are a picture id a bill and a letter from advocacy group he ; ping me due to human trafficking debt bondage which falls under trafficking according to trafficking-debt final rule 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 my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. i have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX  XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am writing this letter personallynot through any third party. I am fully aware of my consumer rights, and what has occurred regarding my account is both unlawful and unacceptable. I have attached a valid identity theft report from https : //www.identitytheft.gov/. When I called to check the status of my dispute, I was informed that it was rejected because the identity theft report was deemed not real. This is absolutely false and against the law. 

I am addressing a serious violation of 15 U.S. Code 1681b, which outlines permissible purposes for accessing and using consumer reports. Specifically, under subsection ( a ) ( 2 ), no entity is allowed to obtain or report information from my consumer report without my explicit written consent. Furthermore, the account listed below is inaccurate and misleading. I have enclosed a copy of my credit report showing the disputed information. The account is being reported as a charge-off, but I have evidence ( screenshot attached ) that proves this information is incorrect. I am demanding that XXXX XXXX provide proof of my original signature and evidence showing how the account was opened. 

I was unavailable for personal reasons at the time the account was opened, and my personal information was used without my consent to create fraudulent accounts in my name. I demand that these accounts be blocked and removed immediately to prevent any further unauthorized use of my identity. This also falls under Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

I have not given XXXX XXXX any consent to open or use these accounts, and therefore, they must be removed from my credit report immediately. If this is not done, I will pursue legal action in small claims court for monetary damages. Additionally, I have already filed complaints with the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX and the Federal Trade Commission. 


Under penalty of perjury, I state that this account is false and misleading : XXXX  XXXX Account Number : XXXX Please remove it from my credit report immediately. 


I am aware that many consumers, including myself, have been receiving generic form responses to disputes without proper investigation. This is illegal, as each dispute must be reviewed and addressed individually. 

Let me be clear : I am the author of all correspondence sent in my name, and every dispute has been submitted with my full knowledge and consent. There is no legal basis for delaying my dispute processing, and I do not require a power of attorney to exercise my rights. 

If you fail to address my concerns promptly and remove this inaccurate account, I will consider it a willful violation of my rights and proceed with legal action. XXXX XXXX and XXXX will be held accountable for damages up to {$1000.00} for each proven violationand there are plenty. 

This is a formal demand. 

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

We rented an apartment XX/XX/2011.We were offered XXXX XXXX  to cover a large deposit instead.We found a home after two years of renting.I was under doctor care.So I was a XXXX. Two years after we moved. we started getting threatening calls from XXXX saying our family Cat XXXX all over. Which is an out right lie ... Our cat was a XXXX XXXX XXXX, indoor.And we were pristine tenants.The company was saying terrible things about what he would, or could do to us.It was horrible. Now after 6 years after our move.They still refuse to take me off the Credit standing and since contacting about not paying and their harrassment, abusive false claims. They are adding more to their balance. This company should be put in jail for their horrible threatening, dishonest scam, money collection practices ... We WILL NOT PAY, BECAUSE IT IS LIE..
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give written or verbal consent to any company to inquiry information regarding my credit history with XXXX Equifax or XXXX
Product: Credit reporting

I had XXXX accounts that were an obvious data entry ( cut & spate ) error. I had a Bankruptcy and filed a XXXX for my car loan. All information was provided to the credit unions. A XXXX is a document that makes a loan outstanding Exemt from the bankruptcy. I signed a document stating I would pay my car loan as agreed. I ordered a copy of my credit report and it showed Pay Status paid as agreed. However, it comes up under adverse accounts because the remarks show chapter XXXX bankruptcy. I paid my car loan on time for XXXX years. Which is reflected on the account. Why then does it appear under adverse accounts and chapter XXXX. I disputed this and was sent the investigation results. XXXX loan was deleted bcz it was not mine. The XXXX XXXX loan pay status no longer shows paying as agreed. Now it says account included in bankruptcy. This is ridiculous. I was denied credit by the company I paid my loan to for XXXX years on time and extra money, XXXX XXXX. They denied me for poor performance on loan. What are they talking about. I have bank statements and previous credit report showing on time for XXXX years. I believe they are punishing me for my XXXX year old sons XXXX XXXX account poor performance. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXXXXXX XXXX XXXX XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Product: Checking or savings account

In XXXX I opened an account with Santander Bank I deposited a XXXX dollar check. Ive been getting so much different information about my funds being available and four months later still have not received my funds. Santander has been holding my check for four months now with no accurate information. For the last time I entered the branch today which they told me to do when I called today to receive my money and they still have given wrong and mislead information on receiving my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.
Product: Debt collection

I am currently enrolled in XXXX XXXX XXXX. During this period, the credit card company has changed my personal information on my account to family members. I have seen my phone number changed to my father in laws as well as XXXX of my sisters when I havent given them any of these numbers or authorized them to call them. They call multiple times a week. I have informed them I have been enrolled and they have said they havent been willing to notate my account to stop these calls. XXXX XXXX  XXXX has attempted to send them power of attorney to stop this and the company says they wont accept it until they are ready to settle.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by National Credit Adjusters for XXXX XXXX on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that National Credit Adjusters for XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ; Installment loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ) Line of credit opened XX/XX/XXXX at XXXX XXXX Bank ( Account number XXXX ) Please remove all inquiries as I have not applied for any credit within the last 2 years. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX XXXX has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX should have and could have withdrawn automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because of the accounts in Transunion that are false and should not be there. I tried sending letters to them but they are not removed as of writing. Please help me remove these false accounts because they should not be in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax requested that I send in verification documents to obtan my credit report. Documents sent in and I'm still unable to get the credit report due to the fraudulent address they have on file.