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

I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXX ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.
Product: Vehicle loan or lease

Initial Auto Loan was paid off to a previous creditor. 

New Creditor : United Auto Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request made to caller collecting the debt for a copy of contract, their W9 and 1099OID and nothing provided. Written request also being sent with notice and claim. United Auto Credit has placed false information on the credit report as a " new loan ''.

[ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information.

[ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/202XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear Transunion, " I am filing a formal complaint regarding multiple unauthorized hard inquiries on my credit report. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), inquiries are only permissible with my prior authorization or under specific permissible purposes. Since I did not authorize these inquiries, they should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I previously contacted the creditors and credit bureaus, but no resolution has been provided. I am now requesting the CFPBs assistance under the Dodd-Frank Act to ensure these inquiries are removed. Additionally, under Section 611 of the FCRA, I request a full investigation into these inaccuracies within the legally mandated 30-day period. If these inquiries are not removed, I reserve the right to pursue damages under Sections 616 and 617 of the FCRA. ". 

I am requesting that these inquiries be removed from my credit report. If the creditors claim the inquiries were legitimate, I would like them to provide specific documentation, such as signed applications, digital consent with time stamps, or any other evidence proving my authorization for these inquiries. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's automated telephone tree has some kind of loop requiring me to validate my identity repeatedly in order to speak with a representative about my dispute. I went through their validation process three times without reaching a representative. I was told I had successfully validated my identity, then asked to validate my identity. Additionally, each validation required me to receive a code over SMS, and I needed it resent several times before I received it. All told I spent half an hour repeatedly validating my identity until I gave up and hung up.
Product: Debt collection

Hello, I am written to you for help on my derogatory remark on my credit report. I have a collection payment on my report. This medical collection is 2 years and 6 months old. I don't have the exact date and documentation of when I got it. At the time I was inexperienced with my credit, but now I trying to improve my credit score. Also I was unemployed at the time to repay the collection debt. I am trying to repay my collection and was seeing if you would be able to as a goodwill gesture to remove my derogatory mark.
Product: Bank account or service

I am a customer with M & T bank ... I tried purchasing a car back in XXXX 2014 ... however after realizing I was no longer interested I decided not to proceed with the purchase ... I disputed my payment and was issued a credit ... later on during the investigation my bank decided that they would honor the auto company and give them my money ... Even after I tried numerous times to prove that they sent M & T bank fraudulent paperwork and forged my signature on a receipt document ... so I feel discriminated against because I am poor and XXXX ... they treated me like trash and I 'm their customer ... they did n't try assist me or even check the documents even when I requested and begged them to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Re : Cease and Desist Request Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau

( CFPB ) take immediate action to cease and desist any further unlawful activities concerning my [ credit report, financial account, or the issue at hand ]. This letter serves as an official notice of my intention to stop such actions, which I believe are in violation of [ Fair Credit Reporting Act ( FCRA section 607, 611, 615, 605 and 611 ]. Specifically, I am requesting the following : 1. The reporting
of incorrect and misleading information after requesting an investigation by certified mail.

2. I request for removal of erroneous information, cessation of unwanted communication.

As per the Fair Credit Reporting Act and other relevant financial protection laws, I have the right to dispute any inaccuracies and request a halt to any activities that are inconsistent with those rights. I expect that the CFPB will act in accordance with these laws to ensure that my rights are fully protected and upheld. 

Please acknowledge receipt of this letter and confirm that corrective action will be taken immediately. 

I trust that this issue will be resolved in a prompt and professional manner. Thank you for your immediate attention to this matter. 

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

The credit bureau never did a proper " investigation '' according to the FCRA The item investigated consumer reporting means a consumer report portion thereof in which information on a consumer 's, chapter general, reputation personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate associate of the consumer on or with others with whom he is acquainted or who may ha knowledge concerning any such items of information, They did not do this Also, they have violated my rights even more. 

In according with the fair credit report Act Everything has to be 100 % accurate on my credit report which is not. 
They also violated the law because according to 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 furniture and account without my written instructions. 

I did not give anybody written instruction XXXX XXXXXXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not take my personal and bussiness credit report for free and I think I 'm a victim of fraud, but I can not control it. Also, my problem is that I have been out of the  US  for about a year and making phone calls is difficult and very costly. I need your help.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in XXXX of this year. To be paid back by XX/XX/XXXX. Payments are no weekly and I am able to request for payments to be placed on the back end of my loan if I am struggling to pay. This company is attempting to pull XXXX payments from my checking account without authorization. No one told me that I would be making XXXX payments when I spoke with an Advance America representative in the store. No one stated they will still pull from my account even though Ive made arrangements. I have attempted multiple times to remedy this issue with this company but they state, we can not accommodate your request They are causing extra fees to accrue causing mw more mental anguish.
Product: Credit reporting

I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.
Product: Mortgage

If we modified in XX/XX/XXXX, we were billed approx XXXX for modification. 
Lender billed XXXX for 8 months of payments which included interest principal and escrow.. principal payments were deducted from principal balance, but Escrow of over XXXX was not credited and interest also was not reported on 1098 form for XX/XX/XXXX. 
We were billed for escrow, yet we started year as a minus of XXXX even though thru our payments and modification we paid over XXXX for escrow. 
Also fees charged for legal fees when modification was delayed by lender added extra cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was inaccurate after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus must verify the items. ( A ). If no proof is provided within the legal time frame, the reporting items can not be treated as unconfirmed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been fighting with Gm Financial for some time now and nothing is getting resolve. They are reporting a late payment on my credit from XX/XX/2020. I have never been late on the loan and have been telling them this for months. This is affecting my credit score this is unfair and not right. How long do I have to fight to get this adjusted that i was never late?
Product: Mortgage

Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

I have had to call multiple times over 6 months to try and get this resolved from my credit report, which they listed me in forbearance which tanked my score. They disputed the fact that I was in forbearance and they refused to remove the forbearance from my account for the past 6 months. I am also receiving letters about being in forbearance even though I did not want to be in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CXXXX 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 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 Thank you very much
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. XXXX soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a Certified letter on XXXXXXXX XXXX asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the account.
Product: Checking or savings account

The bank clerk refused my withdrawal request ( last 5 minutes before they close ). 

We believe we experienced discrimination at this location while the cashier clerk pretended to be soft but actually tried to make it difficult ( e.g. asking for passport while i provided my US driver 's license already ). She kept the argument rising using her discrimination attitude and finally she could find a reason to refuse service in the last 5 minutes before they close. So in the end we just couldn't have a simple withdrawal. 

I have been a PNC customer for over 10 years. 

PNC Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX Card services # XXXX, XXXX XXXX Bank XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse of information. other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C1681s-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

Experian is useless and should not have control over credit authorizations. The website is useless. I can not log on to the account and every option ( forgot password, forgot login ) leads to a dead end. It says it will send an email- it doesn't. it says it will send a text- it doesn't. it says it will call with code- it doesn't. it doesn't recognize my SSN with my account, address, or phone number. The customer support is useless. all the phone number does is lead you to a robot that doesn't understand what you say and then speaks about requesting by mail or going online. there is no way to speak to an actual person. There is no email address for support. There is no submission option on the website. I am trying to unfreeze my account so I can rent an apartment and now am in limbo and will be kicked out of my current apartment soon. I can't believe that this is necessary for this country.
Product: Credit reporting or other personal consumer reports

I wrote and mailed a certified letter to request verification of the debt referenced in your records. On XX/XX/year>, I reached out regarding this matter ; however, I have yet to receive any formal verification of the debt in question. 

As I have not received any substantiating documentation, I am requesting that this debt be removed from my credit report. Failure to provide verification within the time frame allowed by law will compel me to take further action. 

Please treat this matter with urgency and provide a prompt response.
Product: Money transfer, virtual currency, or money service

I never opened this account I have attempted to close this over and over even pd a few times so my credit didn't get hit im so aggravated as I've been working hard on building my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Ability Recovery Services is trying to collect on a debt that was paid to the original creditor XXXX XXXX. I have provided my bank account statement showing it was paid and they continue to report this as late in the amount of {$360.00}. I am now XXXX from an injury and no longer work and this is keeping me from getting the help I need. I am tired of fighting them over a debt that was paid in full 2 years ago. It never should have been on my report, but at the least it should show closed, resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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

To Whom It May Concern, I am writing to formally complain about the failure of [ XXXX/Equifax ] to properly investigate my recent requests to correct issues on my credit report. Despite submitting both factual disputes and XXXX XXXX compliance disputes regarding inaccurate reporting, I have only received generic letters from your agency stating that the information has been verified as accurate. This response is inadequate and does not address the specific inaccuracies I have identified. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 1 have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I received my credit report on DATE and noticed that there were hard inquiries that didn't have a permissible purpose to be on there. These hard inquiries are keeping me from getting approved. I have already reached out to the credit bureaus about this multiple times, and they keep violating my rights under 15 USC 1681b. I have also attached the hard inquiries that DO NOT have a purpose to be on my report. 

( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX  # XXXX XXXX, CO XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX