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

The XXXX XXXX XXXX violated my consumer rights by reporting inaccurate alleged late payments. Fair Credit Reporting Act said information should be reported accurately, because it could and has been damaging to my financial wellbeing and my reputation. I have alleged late payments that are inaccurate being reported on my consumer report. FCRA said that report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my account. These alleged late payments should be removed from my account immediately and that by me making the credit reporting agencies aware of these violations, if the continue to violate the law and my rights it is willingful noncompliance. These alleged late payments should be removed immediately.
Product: Checking or savings account

I had unauthoized charges on my debit card ending XXXX and when i reported it they had said that the card will be deactivated and no more charges can be made using that card number. On XX/XX/scrub>XXXX XXXX XXXX there was a charge in the amout of XXXX using card ending in XXXX. How is this even possible if the card was deactivated. i dont know why i was even charged as i did not make and purchases today how was a card that was deactived to protect me from further fraudulate activity be used over a month later. How dose this protect me
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that Equifax is reporting inaccurate credit information. I am perturbed that Equifax have included the below stated item in my credit report due to its damaging effects on my good credit rating. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit Equifax has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX  mistake XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : BXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I XXXX XXXX received a letter of acceleration from wells fargo home mortgage on XXXX it is dated XXXX it identifies my loan number as XXXX. All previous statements identify my loan as XXXX my court case from XX/XX/XXXX at the us district court where I sued wells fargo home mortgage civil action number XXXX also verifies this XXXX as my loan number. wells fargo also sent this same letter with the new fraud account number to my wife who never received any statement in twenty years and is not on the loan!!! I am under chapter XXXX bankruptcy protection and not in default. My attorney is XXXX XXXX. I had the XXXX in XXXX so I couldnt appear and tried numerous times to have the case against wells fargo reinstated! Judge XXXX XXXX who is in with wells fargo forced my bankruptcy attorney XXXX XXXX into early retirement. He is trying to steal my house! The loan is BAD!!! It is NOT secured. The note has been separated from the deed and I have proof. My loan audits from the XXXX XXXX and from XXXX XXXX are available upon request. I am in Florida now caring for my ailing Mother since XXXX. Keep this in mind as if I reinstate the case in XXXX I'll need to obtain a lawyer. Otherwise maybe other arrangements could be made. I made my three trial payments for modification then they illegally forclosed twice before as XXXX XXXX saved my house by filing bankruptcy for me in XXXX and XXXX. I do not wish to pay good money after a mortgage fraud ridden loan! XXXX XXXX already gave the bank an order to cancel the bad loan as have I. your job is to force compliance. Being professional bank audit prooves fraud this case should be very easy! I never received any of the numerous wells fargo settlements I am entitled to as I have seen many articles stating I was due a payment. My bankruptcy case number is XXXX. Stop the sale of my house and cancel my bad loan. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email from XXXX to see about my dispute. First off I am a victim of major identity theft. Why these people emailing my sending documents to my address? I well Told all three companies to mail me everything. The person who stole my identity has my email address. First they told me that XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX , was right and current. They are extremely Wrong. These companies I never opened. Got a car loan or got credit. It was done by XXXX XXXX who stole my identity. He opened them I am not responsible for these accounts.Did you not get my information well here is the documents. Also I have a credit Freeze, fraud alert on all 3 credit reports. Trains Union and XXXX  aloud banks to inquire my report. The documents are uploaded. I also uploaded my police report and confession letter stating XXXX XXXX confession to the crime. This letter was written by him. He is still trying to get another drivers license from the DMV. He is using my personal information to inquire for credit car, loans. FIX this information NOW!. XXXX  did nothing. I also uploaded my driver license and a copy of a utility bill to prove its me and they are wrong XXXX is wrong. They asked my to upload my driver linces and a copy of my utility bill.
Product: Credit reporting or other personal consumer reports

Experian is selling my private information to third party companies which a violation of my rights under they privacy act. I did confront the company officials on XX/XX/ over the phone. this is a fraudulent act. Honestly who know how many people out there have my private information as such SSN, birthdate, phone number, address, finger printe and more, anyone could pretending to be right now in order to type and steal funds from my ESTATE.I am requesting a full investigation from the FBI, FINCEN, the department of justice and the SSA on Experian, I am tired of those entities abusing me. I demand justice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and misleading information reported on my credit file due to your agency 's failure to validate information properly, as required by federal law. Your company has merely parroted unverifiable data from creditors without conducting a reasonable investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The inaccurate information on my credit report indicates a failure on your part to establish and follow reasonable procedures to assure the maximum possible accuracy of consumer credit information. Negligence in Investigation Procedures : Your agency has failed to conduct a thorough and meaningful investigation into the disputed information, allowing inaccurate and damaging data to persist on my credit report.
Product: Debt collection

In XX/XX/XXXX, I wrote a cease of communication letter to Midland Credit Management requesting that ALL communication be ceased with me, due to harassing letters and phone calls received by them. Midland Credit Management is continuing to send me letters in the mail, which are sent back returned. I am a XXXX veteran with XXXX and XXXX, due to being stationed at the XXXX during XX/XX/XXXX and Midland Credit Management continues to inflict XXXX XXXX on me by continuing to contact me and ignoring my cease of communication letter from XX/XX/XXXX. They are violating my rights under the Fair Debt Credit Protection Act. A copy of this complaint is being sent to the state Attorney Generals Office.
Product: Checking or savings account

In the months of XXXX and XXXX 2017 Wells Fargo reordered the transactions made daily which resulted in being charged more overdraft fees.
Product: Credit reporting or other personal consumer reports

I JUST RECIEVED A LETTR FROM EQUIFAX STATING THEY VERIFIED THE XXXX ACCOUNT . I DONT KNOW HOW EQUIFAX DID BECAUSE ITS DEEMED AS FRAUD WITH XXXX AND THEY EVEN SENT ME A LETTER .
I STILL CANT DISPUTE ANYTHING ONLINE WITH EQUIFAX . I HAVE A UPDATED POLICE REPORT AND FTC REPORT AND LETTERS FROM XXXX XXXX XXXX AND XXXX SHOWING THESE ACCOUNTS ARE FRAUD . THIS REMOVE XXXX AND XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX PLEASE . ITS HARD TO DISPUTE WHEN I MAIL DOCS TO THE PO BOX AND NOTHING GETS UNLOADED AND I HAVE MAILED SUPPORTING DOC OVER XXXX XXXXIMES AND STILL NOTHING GETS UPDATED . PLEASE REMOVE AND BLOCK THESE ACCOUNTS I HAVE ON MY POLICE REPORT PLEASE .
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS EMSNAVYFCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX  I was told since XXXX balance has been paid in full that they will request that the trade lines will be removed from all reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the Consumer Report Views/Soft Inquiries listed on my XXXX and Equifax credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.
Product: Credit reporting or other personal consumer reports

I disputed several items that were incomplete and incorrect and requesting validation and removal of all incorrectly reporting information. I mailed out 3 letters to Santander Consumer USA dates are XX/XX/year>, XX/XX/year>, XX/XX/year> and its been over 90 days and still I have not received a response or correction and demand immediate removal based on it being more than 30 days and no response. This incorrect reporting has caused a major hardship preventing me from being able to secure a home due to credit score being affected by this incorrect information and negative reporting.
Product: Credit card or prepaid card

In XXXX my Sony XXXX XXXX switched from XXXX  XXXX to comenity as the card company. I have always had my card on autopay and upon the switch I dutifully set up autopay with the new company. The autopayment did not occur despite email confirmation that it was setup. I contacted comenity, the new company, as soon as I realized the issue. I was charged a late payment and interest. After confirming the error on their end they cancelled the late payment charge but never refunded my interest. Fast forward to XX/XX/XXXX when their website went down. I could not make a payment and was nervous because of the previous issue. I set up a payment in the alternative way they recommended but ultimately was charged twice. Fortunately I was able to get the overpayment back but ever since that time I have not received any reward points despite still using the card regularly and paying on time. The company says only that they will fix it soon but it has been 3 months + since I have received any rewards and the company will not give a date for when the reward points will be credited. Also after the web update all of my old secure messages about the issue became unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a local XXXX dealership to purchase a vehicle and wasn't aware that there were 9 hard inquiries on my credit report. The following inquiries are, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I disputed a account collection account by the name of XXXX XXXX XXXX. It says the original creditor was XXXX. This collection was deleted now it has reappeared in XXXX with a different collection account name XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

i have been paying on this ( Loan me ) loan for the last 5 years and I've requested to have my rate lowered as I've never been late.. They are refusing!! and this is not the 1st time I've requested them to lower my rate.. I called XXXX times last week and no one returns my calls. 

The rate of interest is currently at XXXX % which is way too high being that I always pay my min payment due. There no way to get this paid off with the interest rate so high... 

Now XXXX XXXX, stated in the State of the XXXX, he'd be pushing forward to lower interest rates on these types of loans A.S.A.P. 

Please help me get this rate dropped so I can pay it off sooner... Please contact me about this matter. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Product: Vehicle loan or lease

I had a car loan on a XXXX XXXX XXXX with Ally Financial Inc . 

This vehicle was purchased in late XXXX and was paid off one month ago on XX/XX/XXXX. 
The bank noted that it takes 10 days to release the Title to me, as well as provide a release of lien letter. 

I contacted the financial institution once again today to ask where my Title and Lien Release are. 

They did not have a good answer and also asked that I wait up to an additional 30 days for a second lien release letter to be mailed to me. 
The bank noted that they had to mail the first set of letters to the Clerk of Courts in the County in which the purchase was made. 

I have been in contact with the Clerk of Courts in XXXX XXXX Ohio , they stated they did not receive any title or release from Ally for my account. 
They checked electronically as well and did not have anything there either. 

Currently I am now waiting even longer to get this lien release from Ally Financial Inc, but I am not sure what they mail will even make it to me. 

I have major concerns that the team at Ally does not care that I can not drive my vehicle without plates, and they noted that I will need to take this lien release in person to the County Clerk. 

The note here is that I now live 10 plus hours by car from the county clerk office in XXXX XXXX Ohio. 

I have once again contacted the county clerk in ohio and was told that I can do this all by mail, which would be Mailing a form to them {$15.00} check Prepaid mailing envolope back to myself ( the mailing fee for overnight service and filing costs total about {$40.00} for protected and tracked mail in total ) I have not been able to drive my car for over a month as I will not illegally drive my vehicle because Ally is not able to provide the proper paper work nor define this process. 

I have spent well over 16 hours on calls with them attempting to get this resolved and at this point I am losing hope that I will see resolution. 

I may have to ask for a court ordered title at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company a consent to report my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

No answers nor responses and Bankruptcy was NOT removed off ALL my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report more than seven years.

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

On XX/XX/year>XXXX  I spoke to a loan officer at XXXX XXXX in XXXX  XXXX, IA and he pulled my credit without my consent, nor did I sign any paperwork agreeing for my credit to be pulled. I want this hard pull removed off my credit.