23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite thirty-seven previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my many attempt to resolve these issues, and I am in desperate need of your intervention. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me remove the following items 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 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts was not verified. 

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 was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the Kohls XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.
Product: Vehicle loan or lease

My question is ; after paying on an auto loan for two and a half years, why is my loan payoff more than the original loan? When I asked XXXX XXXX that question they treated me like I was stupid and said something about the interest compounding daily, I do not understand, but something is definitely wrong when you pay a car payment for two pulse yeas and you owe more on the payoff than the original loan. Please explain! 
As of today, XX/XX/XXXX, the payoff on my car is {$23000.00} Original loan, XX/XX/XXXX was {$21000.00}
Product: Debt collection

I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. 

Escallate LLC acct # XXXX XXXX
Product: Debt collection

I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX. This debt was originally procured through XXXX XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX   when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX   the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as XXXX XXXX. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. XXXX XXXX has no standing legal collection process. So recently they assigned the collection to a law firm known as The Bierer Law Group, P.A., located in XXXX, XXXX XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is XXXX XXXX trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both XXXX and XXXX. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against Bierer Law Group, P.A. with the XXXX  XXXX XXXX. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking account at a Huntington Bank branch, with the promotion saying '' {$200.00} bonus ''. After meeting their promotion bonus requirements, I didnot receive the bonus. 

When arguing in a Huntington Bank branch, they said I should have " direct deposit ''. That's terrible, because they didnot tell me about this in detail when opening the account. SO I just made deposit to the account. ( Sorry, I don't understand what's the difference between " deposits '' and " direct deposits '', you should tell me when opening account. ) And now they also have the promotion ( https : //www.huntington.com/XXXX? XXXX & XXXX & XXXX & XXXX : XXXX : XXXX  & XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX & XXXX & XXXX ) The above link says : ) : " Make total deposits of at least {$1000.00} within 60 days of account opening. '' I don't know why they changed the promotion policy time by time. My friend have got the {$200.00} bonus. Why not me? 

The bank should treat the consumers equally. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly contacted and disputed the item in question and I have provided proof that the item was being reported incorrectly I ask to be removed but the incorrect reporting was still not fixed
Product: Credit reporting or other personal consumer reports

A month ago, I XXXX XXXX XXXX XXXX  bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

AAA Collection filed a small claims suit against me claiming to have sent several bills which I have never received. I appealed the judgement with the district court. They are claiming I owe XXXX XXXX XXXX and Hospital which I have never been a patient of ever. No proof or documentation has ever been provided to me thus far. There is no record with my signature NOTHING yet they are continuing small claims suit against me
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called Lending Tree and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last four digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.
Product: Credit reporting or other personal consumer reports

police report filed in XXXX XXXX  FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will the Credit Bureaus remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX =========Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This report serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX, I called XXXX to remove my information front credit report but was told that they did not remove the information because Equidax is suppose do that. I then called Equidfax and they told me that it was the responsibility of XXXX to report it wrong. A little got was a run around from both. My student loan was discharged in XXXX. I have had other issues with Equifax not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report and I am shocked to see that the 3 major credit bureaus are continuing to report fraudulent, inaccurate, unverifiable accounts and information on my consumer report. This is hurting me as I am in the process of buying a home for my family. Please remove these accounts from my consumer report as they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

These accounts reporting on my report does not belong to me XXXX XXXX XXXX of {$1500.00} and XXXX XXXX account number XXXX an amount of {$2200.00}.
Product: Credit card or prepaid card

A account was open using my SSN at Citizens BankN.A used for buying house survalance equipment which who ever it is has my SSN # and I need a block on it.
Product: Checking or savings account

Approximately XX/XX/2022 I received a alert from Navy Federal telling me to change my security code at that time I did then after noticing my account I seen that there was mobile deposits in both my personal and business checking accounts. At that time Navy Federal locked my account which I was thinking was to help me. But it wasn't the case at all they close my account I submitted appeals and fraud claims waited over 3 months for response. When I finally did get a response back I was told my accounts were not going to be reinstated my credit cards are to be closed and it's no way I can possibly become a member again after being with this financial institution for over 15 years never had no issues I would just tossed to the side with no answers on why
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent derogatory entry was submitted to Transunion on XX/XX/2023. In response Transunion dropped my credit score from XXXX to XXXX. On XX/XX/XXXX the creditor submitted a removal request to Transunion. While Transunion did remove the derogatory entry they have not adjusted my score back to where it was. They refuse to provide me with any information as to why. This is preventing me from getting preferred interest rates on multiple transactions.
Product: Debt collection

they need to much to prove I don't live in Ohio, I have been living in california all my life I have proof. I shouldn't have to get a notarized letter stating that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial dispute of Equifax started since XX/XX/XXXX. Dispute sent to your company XX/XX/XXXX. Equifax response was no information found, but somehow I could still pull a report with all the inaccurate information. Second they responded by saying, send in identification documents. This has been done. They responded to your company needing an additional 60 days, then needing until XX/XX/XXXX with a resolution. None of this has happened. They continue to report inaccurate information, use stall tactics. I did resend all the information but its clear, this should have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Checking or savings account

My checking account was continuously drafted by a company that I requested a cancellation of services that they NEVER provided and I reached out to PNC to ask for assistance with stopping the auto drafting after the company refused to do so and to refund my money. The bank XXXX submitted reversals for the multiple amounts that were drafted and placed the funds of {$2300.00} ( + ) back into my account. I left the money in my account for approximately XXXX XXXX weeks to make sure the funds were absolutely mine before I spent any of the money. Well, after I used the money to pay bills and move PNC started demanding the money back after I paid bills. They closed the account and is reporting it on my credit report as a charge off but hasn't provided me with the XXXX documentation as required by law.
Product: Debt collection

In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  {$3700.00} XXXX XXXX {$2100.00} XXXX {$220.00} Added XX/XX/XXXX Company was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. Case opened XX/XX/XXXX & XX/XX/XXXX. Settlement with Insurance company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

US Department of EducationXXXX {$53000.00} Added XX/XX/XXXX Company was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. Case Opened XX/XX/XXXX. Institution closed down citing financial challenges and accreditation issues. No transfer of credits. Student Loan debt clean. 

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX, XXXX and US Dept. of EducationXXXX have violated my rights. 

15 U.S.C1681 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, XXXX to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of Exeter Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, Equifax notified me that personal information including my SSN and credit report had likely been leaked as part of a cyberattack. They informed that I am now at risk for identity theft and fraud. This is information that I never directly gave to Equifax, so it is especially egregious that they allowed my information to be shared with the unknown cyberattackers. Equifax 's proposed resolution was to offer me a year subscription to an identity theft monitoring service, subject to the acceptance extensive terms that limit my options for legal recourse.