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

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken.

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately The continued misreporting of these accounts are causing significant emotional and financial distress, affecting my well-being, job performance, and family life. I urge you to address this immediately. 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 contacted CREDCO on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them numerous letters and had called them three times. They have refused to provide me VALIDATION in where I provide them authorization or any company affiliated with them authorization to review my credit. They have been sued several times for actions such as these. Please review all attached documents.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my XXXX XXXX. 

XXXX XXXX # Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

Regional Finance Repoed the car, they remained on my credit and since it has been 7 years and they were to drop off my credit they sent as a debt to IRS. Falsey represented themselves for interest for 7 years on a car the repoed and a loan I no longer had.
Product: Vehicle loan or lease

In XXXX US Auto Sales decided to pay off the current car I had because it was going to cost to much to fix. They allowed me to get another car, they did not verify my employment and I had lost my job XX/XX/20. Nobody verified the employment at all. I got the car anyway and I managed to pay the payment with what I had in my savings account. Then when I found another job the pay was bi weekly and I tried to get them to change my payment dates and they would NOT change it. They have a GPS thing on the car so they can shut it off when they feel like it. They have shut it off 2 times I know of and I got my hands on some money so I went and got another car. I went and turned in the tags on Monday XX/XX/20 cancelled the insurance on the car. I then called US Auto @ XXXX and told them to come get the car, that I did not want it anymore. They read me the disclosure for the repo and I agreed. I got a phone call today from them today harassing me about the " past due '' amount. I missed a call from them yesterday as well. They clearly DO NOT check the account notes before they start calling and harassing people.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELECTED FROM MY CREDIT REPORT EFFECTIVE IMMEDIATELY I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE ANYTHING. PLEASE HELP ME DELETED THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ATTACH A COPY OF MY CREDIT REPORT ALONG WITH A COPY OF DRIVER LICENSE
Product: Credit card or prepaid card

Ive open an capital one debit card to learn I also had a credit card that was being used I called in numerous times about this account when I open a XXXX XXXX  account I also learned that that same capital one credit card balance was on my credit report I never had use this card and I am being held responsible for a card I never had any knowledge of
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I were looking to get approved for a FHA loan to purchase a home. I was recommended to XXXX XXXX from a co-worker. I called him and asked him questions on if we are eligible for an FHA loan with Wells Fargo. He told me yes and I even have an approval email from him stating he can get us approved. Next my wife and I filled out XXXX + pages of paperwork signed back to him. After 2 weeks I did not hear from him so I emailed him for an update. He states we were denied and he could not help us. He did not disclose why were were denied. My wife or I never met him in person and when asked to do so he declined. After this experience, my wife and I was approved by private mortgage company. Since then my wife and I have experienced many identify fraud alerts. I feel XXXX took advantage of us and our sensitive information. I am worried about the sensitive information that was shared with XXXX may be used illegally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report, I discovered unauthorized credit inquiries made by the following entities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have attempted to call MOHELA, my student loan servicer, for a week. I need to speak with a human being regarding a payoff amount. One would assume they'd be eager to collect their debt, and yet, the calls are either dropped ( after the caller is forced to listen to a three-minute, useless automated message ) or the calls do not go through at all. In a time when many people are concerned about Public Service Loan Forgiveness, loan cancellation, and the rising cost of just existing, it is unacceptable that this company is allowed to treat people in this manner.

The application for loan forgiveness is supposed to be released this month. Unfortunately, I have zero faith that I will get any results from this horrible company.
Product: Debt collection

I rented an apartment from the XXXX XXXX XXXX XXXX in a buy out lease. I moved out early after providing written notice on XX/XX/XXXX. I provided my forwarding address via phone to XXXX on XX/XX/XXXX. I also checked their website for a bill on XX/XX/XXXX and XXXX it was not there. They had 30 days to bill me for move out and it was never provided. I never got a letter in the mail or a phone call. They never billed me in the lawful time frame but they put the debt on my credit. This negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

In accordance to 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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

This is my follow-up request about my complaints dated XX/XX/XXXX. I have an account XXXX XXXX XXXX in my file which is still being reported, even though it was bought by another company. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and I request that you reinvestigate or else delete this account in my credit file. The account is listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries not unauthorized by myself XXXX XXXX on equifax and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically
Product: Payday loan, title loan, personal loan, or advance loan

Since my husband passed away, I have had a difficult time finding work. I thought I had a job lined up recently but it fell through. Therefore, I temporarily didn't have sufficient money to make my Sezzle payments. On XX/XX/year>, I contacted Sezzle using the Conversation option, which represents itself as a web chat. I asked to revoke authorization to debit my bank account. 

No chat agent ever responded and over {$200.00} was debited. I had to borrow money from my children to avoid becoming overdrawn. I attempted again today to turn off autopay so I can manually make upcoming payments. 

I was told Sezzle could not do that, only I could do reschedules ( not what I asked ) through the app. This is a violation of the law. 

I am going to repay me debts but I can't afford to pay it now. I have a new job starting soon which will help me catch up. I want autopay turned off and {$100.00} of the monies that were debited between XX/XX/year> and today so I have money to live off of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX A XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$77.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$1900.00} ; DP OFEDUC XXXX Balance : {$4600.00} ; DP OF EDUC XXXX Balance : {$2300.00} ; DP OFEDUC XXXX Balance : {$410.00} ; DP OF EDUC XXXX Balance : {$7300.00} ; DP OF EDUCXXXX Balance : {$6200.00} ; DP OF EDUC XXXX Balance : {$6200.00} ; DP OF EDUCXXXX Balance : {$2600.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has 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, 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 seven years. 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

I've noticed that my credit report contains incorrect personal information, which is leading to unknown and inaccurate accounts appearing under my name. These accounts are not mine and should not be associated with my credit profile.
Product: Debt collection

On XX/XX/2024, I found a collections in the amount of {$170.00} recorded on my credit profile. It is listed on XXXX, XXXX, and XXXX. I have never heard of Amsher Collection Services, who states the original creditor is XXXX. XXXX was paid in full so I do not understand why this collection is placed on my profile. Attached are three documents which show payments were made to XXXX. I request this collection to be removed from my credit profile within 15 days, from all three credit bureaus.
Product: Credit card

I have credit card with Capital One and sometimes use their offer totransfer balances to reduce interest paid on other cards. Before I couldpay off any purchase balances first without being charged interest on it, if paid on time. This was a positive of the new laws. However, now they asay that any purchase will be assessed interest regardless when you payit off unless you pay the entire balance including balance transfer. 
Naturally, this makes a balance transfer not very worthwhile. This doesnot seem what law intended.
Product: Student loan

I am trying to discuss and modify my XXXX application which was in pause from XX/XX/XXXX. It was originally placed on a processing forbearance and should then now be placed in a general forbearance until XX/XX/XXXX according to XXXX XXXX XXXX 

My servicer is Mohela, https : XXXX MOHELA XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX hold times to get any resolution at any time of day, any day of the week are three hours for a representative who can only review the account and then transfer to another line for an advanced representative where the wait time is another three hours. This is very poor servicing especially since they took over XXXX private loans as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX  Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on XXXX, XXXX shows charge-off began XX/XX/2020 and Equifax shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX guideline violations of closed tradeline account ending in XXXX impacting credit/FICO score. 

Attachments include new complaint, my driver 's license confirming my identity and supporting documentation that highlights the missing tradeline information in violation as per XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$130.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX