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

I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Product: Credit reporting or other personal consumer reports

I have 2 inquiries on my consumer report I did not authorized. A inquiry with XXXXXXXX XXXX XXXX XXXXXX/XX/year> ) and XXXX ( XX/XX/year> ). I reached out to these creditors and I have not receieved a response. Therefore, I must request your help in resolving this matter. Not only did I not authorize this but I never provided consent for these to be furnished to my consumer report. Please delete the following unauthorized inquiries. They are misleading and causing me to be denied credit. The inquiries are listed on Equifax, XXXX and XXXX.
Product: Debt collection

California Business Bureau claims that I owe a debt of XXXX, and the original creditor was XXXX XXXX. I called and asked for validation of the debt and that they were licensed to collect debt in my state on XX/XX/year>. The collector was very hostile and stated he was not under legal authority to send a license or anything. Emotions were getting high, so I ended the call and disputed through XXXX and XXXX the same day. The dispute with XXXX was successful, but I need help getting a successful dispute with XXXX. I wrote to the debt collector asking for validation of the debt through XXXX and mail, but I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX  {$570.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX Account Number : XXXX Amount : XXXX Date opened : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XXXX XXXX XXXX called multiple times. the customer service rep would not help remove the inquiry. 
XXXX XXXX XX/XX/XXXX Called multiple time to remove the negative inquiry. customer service would not help remove. 
XXXX XX/XX/XXXX. called them multiple times. customer service would not help remove this negative inquiry XXXX XXXX XXXX XXXX called multiple time. customer service would not help remove this negative impacting inquiry XXXX XXXX XX/XX/XXXX called multiple time and the customer service rep would not help take this negative inquiry off. 
XXXX XXXX XXXX XXXX XXXX called multiple times customer service would not help remove this negative impacting inquiry XXXX XXXX-XX/XX/XXXX- called multiple times and customer service would not help remove the negative impacting inquiry. 
XXXX XXXX XX/XX/XXXX called several time and customer service would not help remove neg. impacting inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names, addresses, and social security numbers on my credit report
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Debt collection

According to the agency this is from a sent that is greater than 7 years old, and they bought a debt that was previously removed from my credit. 

This collections agency gave me no written notice of collection. When I reached out on XXXX, XXXX 2024 I formally requested a debt validation letter. 

I reached back out a week later and the employee wrongfully stated that they had 30 business days to respond and would get it to me when they got it to me. 

It has been greater than 30 days from my request of debt verification. 

This needs to be removed from any and all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXhe following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX  - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain inquiries from 
my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have unauthorized or fraudulent information removed 
from my credit file to ensure its accuracy.
Please remove the following unauthorized inquiries from my credit file:
XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX
Date of Inquiry: XXXX XXXXXXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: 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 confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit report XXXX transunion credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  5. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 6. XXXX  XXXX XXXX LATE PAYMENT Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights.

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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, credit repair services, or other personal consumer reports

I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX File at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it from my credit report.
Product: Student loan

Educational Credit Management Corporation XXXX XXXX XXXX called and left a message for me at my place of employment a couple of weeks ago. I did not return their call as I thought it was spam. They then emailed me stating my loans were in default and to call them back. I know that my loans are not in default and their email still looked like spam, so I ignored it. The following day and every day since, I 've had XXXX calls at work from XXXX. I then started receiving calls and emails daily. I finally replied to an email and asked them to stop contacting me as I did not have any defaulted loans. The representative told me I did have loans and they were going to take 15 % of my wages to pay them. They then called my HR XXXX and " verified my employment. '' I told them this was a mistake and they asked me to call. When calling you must enter your social security number and date of birth. I did not feel comfortable doing this as I know I do not have defaulted loans based on my loan servicer, my credit report, as well as, never receiving any notices of late payments or defaulting. XXXX then continued to email me after XXXX requests to stop contacting me. They then called my place of employment again requesting some form be faxed to them. I asked them what loan I defaulted on. They could not tell me. This harassment continued for about XXXX days. I finally filed a complaint with the Better Business Bureau and the Federal Trade Commission. I informed XXXX of this and stated if they did not leave me alone, I would contact local law enforcement. I let them know that I used a member ID they sent to me in an email along with my birthday to try and call them back through their computer aided phone system. It said invalid entry. At this point, XXXX asked to verify my birth year. I said they had the incorrect date. He apologized and said he would not contact me or my employer again. Later that very day XXXX different XXXX employees called my HR XXXX at work to demand information about me. Luckily I had told my HR XXXX everything that was going on and forwarded my email communications with XXXX to her. She requested that they stop contacting our place of employment. The original XXXX employee then contacts her once again to demand a employment verification form be returned via fax to him stating that I did not work there and which social security number did not match up. This is completely inappropriate and bordering on harassment. If they are going to get the funds back from defaulted student loans, it would be beneficial for them to make sure they had the correct person. Hopefully this fiasco is now over with me, but this was a headache and handled entirely inappropriately. I did not appreciate their incessant calling at my workplace, of all places, nor did I appreciate their rude behavior. Not once were they able to verify which loan I had defaulted on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/23 Amount : $ XXXX $ XXXX {$690.00} Action taken : Sent in multiple disputes certified mail and certified return signed receipt and didn't receive a response via mail and the certified signed receipt was not signed and not returned. On the certified mail receipt tracker shows that they received it and did not respond via mail as requested within and past 30 days. I also sent a Fraud FTC Affidavit as well.
Product: Debt collection

I try to resolve this issue with this company name Onemain They try to collect {$2800.00}, i ask for a more details and the costumer service was so agresive and rude it threat that my life is done that they will destry my whole life and on main time we on the phone he was in contact with a Sheriff s Dep to come and arrest me if i do not set up payments with them is like a night mirror time with this company
Product: Credit card or prepaid card

My credit card was paid in full on XX/XX/21, {$9000.00}. The next day I was charged an interest fee of {$97.00} on my {$0.00} balance. 

I called chase to have this reversed and they refused.
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. 

Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX, Account name : 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. 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, credit repair services, or other personal consumer reports

Someone has been using my info these these credit inquiries soft and hard do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX  XXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was 800+ " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX XXXXXXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX XXXX 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.
Product: Credit card

My employer recommend us the employee credit card, which is American Express XXXX card. I applied but it was denied several times. I asked if I could get this card with {$500.00} credit line only, they may increase it gradually given time. They declined.
Product: Debt collection

Back in XXXX, i was in the market for XXXX in XXXX XXXX CA and opened an acct XXXX but do to relocation to AZ I decided againat the service. The now closed Dental place received a check and insured me it would take 30-60days to return the monies to XXXX. 
In XX/XX/XXXX, XXXX rep. called me about setting up payment i explained the fraudulent situation and was told I still had to make payments on credit trade line until the check was received even though I never went through with the service offered so i did. I attempted repeatedly to reach out to XXXX XXXX about the check being returned as promised to XXXX and was informed they longer did business with XXXX and all further communications had to go through them but the check was sent back in XX/XX/XXXX. The XXXX rep. never confirmed the receipt and I had no discourse to rectify the fraud and stolen money. 
Fast fwd XXXX sold the acct to Debt collector Hallstrom Law Firm PLLC and I again explained it was fraudulent by false inducement of an unknown third party via email to XXXX XXXX XXXX himself who made me feel like there wasn't any alternative other than to pay the debt owed according to settlement agreement and threatened lawsuit if I didn't. In compliance and fear I've been making payments and they still reported negative non payment on my acct. I hired the XXXX XXXX XXXX to open investigation into the acct. and fix my credit. As a result, a dated letter of XX/XX/XXXX, from XXXX XXXX XXXX sent me stating that Identity Theft was confirmed and that related acct to XXXX would be removed from credit report in 30 to 60 days so I reached out to XXXX XXXX via email XX/XX/XXXX and scanned him the letter asking for complete release and closure of the matter including monies paid and he told me the letter does not prove anything and he does not see any reason to close this acct even though its fraudulent. 
Moreover, I reported the fraud to XXXX as it relates to the Hallstrom Law Firm and XXXX XXXX. This is not fair practice and I feel like I've been bullied with no recourse for something that's not my fault nor debt.
Product: Debt collection

The collection agency reported the debt to my credit report but never sent a debt validation letter.
Product: Mortgage

My home loan was transferred to Rushmore Loan Management Services, LLC on XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX XXXX stopped collecting from me on XX/XX/2018. Rushmore date to start collecting from me was on XX/XX/2018. 
I am filing a complaint against Rushmore Loan Management Services, LLC because Rushmore gave me a Rushmore Pre-Welcome Letter dated XX/XX/2018. And then in XX/XX/2018 I received a Rushmore Welcome Letter dated XX/XX/2018 with a Substitute Form XXXX to fill out in which I knew the original XXXX Form was already filled out in the loan file. 
The Rushmore Pre-Welcome Letter means that Rushmore started collecting for my loan on its computer system two months in advance of XX/XX/2018. With this Pre-Welcome Letter dated XX/XX/2018 Rushmore gave me a computer generated interim payment coupon listing Rushmore loan #, due date XX/XX/2018, payment amount {$550.00} with my name and address and Rushmore address for sending in the payment. I cross out Rushmore loan # the due date XX/XX/2018 and put my prior XXXX XXXX XXXX loan # with due date of XX/XX/18. I also cross out the scan information at the bottom of the coupon leaving the amount at the end of the scan {$550.00}. 
A recoverable Advances Account was already established in Rushmore loan # by Rushmore collecting from XX/XX/2018 due date on Rushmore computer system for no payment and XX/XX/2018 due date for no payment on Rushmore computer system. And Rushmore knew XX/XX/2018 and XX/XX/2018 was being collected by XXXX XXXX  XXXX for the time before XX/XX/2018 is the time that XXXX XXXX  XXXX collect from me. 
My loan # with XXXX XXXX XXXX has an escrow account in it. XXXX XXXX XXXX verified on letter dated XX/XX/18 to me that XX/XX/18 payment was paid on XX/XX/2018 before service release and XX/XX/2018 was paid on XX/XX/2018 before service release. Rushmore received XX/XX/2018 payment directly from me in which Rushmore received it by certified mail on XX/XX/18 but Rushmore listed it as being received on XX/XX/2018. I have the certified note from the computer. 
My payments is broken down into principal, interest, and escrow each month in Rushmore loan #. But I can not see the escrow account balance each month but I see a recoverable advances balance that was established by Rushmore collecting before XX/XX/2018. And I have not received the Escrow statement that Rushmore is to give me within 45 days of established Rushmore loan #. And also the courtesy period by law in my loan which is 15 days after the first of the month is not observed on these mortgage statements that I have received from Rushmore Loan Management Services, LLC.