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

I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I 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. Please find out about helping me please and help get my identity back please
Product: Credit card or prepaid card

What a horrible experience with this store card this bank gives me awful experience from waiting for a letter to verify my indenting yk sending my card Ive waited weeks and havent received my card when I call they refuse to expedite they have me waiting thjs long after approval its ridiculous
Product: Debt collection

I have a C/O on XXXX, XXXX, and XXXX for XXXX XXXX XXXX XXXX . I  wrote a debt verification letter to both the creditor ( XXXX ) and the collection ( Transworld ) and sent if certified mail. I received a letter back from XXXX for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from Transworld. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?
Product: Credit reporting or other personal consumer reports

I noticed a lot of incorrect information and accounts on my credit report. I started disputing last month in XXXX. I was impacted by the data breach then I started paying close attention to my profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C . 1681o ) To Whom It May Concern : I am writing to formally dispute inaccurate and/or incomplete information that has been reported about me, in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracy/negligence on your part has caused harm to my reputation, financial standing, and emotional well-being. This letter serves as my request for immediate resolution of this matter. 

Details of the Issue : Inaccurate Information : amounts owed dates of payments wrong, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to ensure the accuracy and integrity of the information you report. Furthermore, your failure to comply with the obligations set forth under the FCRA constitutes negligence, making you liable for damages under 15 U.S.C. 1681o. Specifically, this section provides that any person who negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as court costs and reasonable attorneys fees.

What I Am Requesting : 1. Immediate Investigation : Conduct a thorough investigation of the inaccuracies I have identified and take corrective actions. 
XXXX. Correction or Deletion : Remove or correct the inaccurate information within the XXXX timeframe allowed by the FCRA. 
XXXX. Written Confirmation : Provide a written explanation of the actions taken to resolve this dispute, along with an updated copy of my credit report ( if applicable ). 

Failure to address this dispute adequately will leave me with no choice but to pursue legal remedies. I trust you will take this matter seriously and resolve it promptly to avoid further harm and potential legal action. 

Thank you for your immediate attention to this matter. I look forward to your response within the time required by law. You may contact me at [ your phone number ] or [ your email address ] if you need further clarification or documentation. 

Sincerely, [ XXXX XXXX
Product: Debt collection

I disputed this debt with IQ DATA INTERNATIONAL in XXXX I sent them Letters asking them to prove that they are the original holders of the debt they have yet to provide and its been ongoing for almost for XXXX yrs and also if they did prove that the debt is mines they updated to look as if they put on my credit report in XXXX so they are also falsifying information. I want this removed my credit immediately for they are committing fraud and refusing to send me the information that I am asking for when I sent them a letter back in XXXX and once it was removed off my credit they fraudulently added it back to my credit without my knowledge and I am now looking into legal counsel to potentially sue IQ DATA INTERNATIONAL for fraudulent information thats damaging my credit report and XXXX as well for not taking this issue and matter very serious.
Product: Credit card or prepaid card

I disputed several times this account with the credit bureaus, I sent a FTC report notarized and nothing was happen, this account came verified several time and this is fraud. this isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized letter on XX/XX/2020 to lexis nexis with a green return slip about reporting a account on my consumer report that i did not give them permission to do. Under 15 USC 1681b- PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. Also under 15 USC 1681 ( a ) ( 4 ) infringed upon Consumers right to privacy. I have not received a letter back from them. I also have a letter from the court house saying then do not give 3 parties my information. Under Rule 9037 Privacy Protection For Filings Made with the Court.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card

Here 's a draft for your complaint letter : -- - ** [ Your Name ] ** [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] **Date : ** [ Insert Date ] **Customer Service Department** U.S. Bank [ Bank Address ] [ City, State, ZIP Code ] **Subject : ** Request for Overlimit Fee Waiver - Account Ending in XXXX Dear U.S. Bank Customer Service XXXX I am writing to express my concern regarding an overlimit fee of {$40.00} that was recently charged to my account ( XXXX ). The fee was assessed due to a refund issued byXX/XX/XXXX which I believe should not have resulted in an overlimit situation. 

I have always maintained my account responsibly and find this fee to be both unexpected and unwarranted. Additionally, I previously requested to speak with a supervisor about this matter but have yet to receive any follow-up. 

Given the circumstances, I kindly request that this overlimit fee be waived. I believe this is a fair resolution given that the overlimit situation was triggered by a refund rather than any new charges on my part. 

Please review my account and consider my request for the waiver. I would appreciate a prompt resolution to this matter. You can reach me at [ Your Phone Number ] or [ Your Email Address ] should you need any further information. 

Thank you for your attention to this issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
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 items need to be investigated and remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has alleged they " verified '' the " accuracy '' of a XXXX account/tradeline appearing in my credit file with a last update on or around XXXX XX/XX/XXXX. The account on its face is not reporting with maxmimum possible accuracy and contains false/misleading/inaccurate information for the payment status, payment history, date of first delinquency, balance, and date of first delinquency reported. Per FCRA 605 ( c ) the Date of First Delinquency ( DoFD ) is the date of the first delinquency in the most recent chain of account delinquencies that preceded a charge-off or collection. If the Date of First Delinquency ( DoFD ) is XX/XX/XXXX, then the alleged charge-off account history reported is inaccurate because, " A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that IMMEDIATELY preceded the action. " ( FCRA 623 ( a ) ( 5 ) ). If the DoFD occurred in XX/XX/XXXX, then the date of charge-off would be on or around XX/XX/XXXX and would report beginning on or around XX/XX/XXXX. However, the payment history indicates an alleged charge-off first reported in XX/XX/XXXX. The charge-off history relies upon the accuracy of the Date of First Delinquency. The Date of First Delinquency leading to the charge-off is incorrect OR the payment history is incorrect as reported. An initial investigation and subsequent reinvestigations by Equifax have failed to rectify the false/misleading/inaccurate information ( the account/tradeline is irreconcileable ). Therefore, the payment history for any and all months beginning XX/XX/XXXX through present should report " paid on time '' and any and all remarks/comments/additional/information pertaining to a charge-off must be removed. The balance must be changed to reflect {$0.00} and the past-due amount must be changed to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started to monitor my credit report and noticed hard inquires on my report that I did not authorize. I have contacted the companies and the credit bureaus with no success and no help. The inquiries below should not be appearing on my credit file. I never gave verbal or written permission to these companies to run my credit. I have been a victim of identity theft in the past. 

XXXX pulled my credit report on XXXX/XXXX/XXXX Syncb pulled my credit file on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Macys/Dsnb pulled my credit on XXXX/XXXX/XXXX Cbna pulled my credit file on XXXX/XXXX/XXXX Credco/Mr XXXX pulled my credit file 3 times on XXXX/XXXX/XXXX Cbna/Sears pulled my credit on XXXX/XXXX/XXXX Sterling XXXX/XXXX/XXXX
Product: Debt collection

I received a credit alert this company reported a remark, I never heard of them nor was notified by mail to dispute and given the chance to request validation. They just took away my rights, Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The Fair Credit Reporting Act of 1970 ( My Account number are X out ) Attorney General-Chi # account number XXXX XXXX # account number XXXX XXXX XXXXXXXX # account number XXXX XXXX XXXX XXXX Account number XXXX XXXX/Dept Of Ed # Account 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 shell not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Product: Credit card

I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. 

This email was furnished to me directly from XXXX client XXXX XXXX. 

To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. 

2nd attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.
Product: Checking or savings account

Truist locked access to my account for seemingly no reason that I can determine. They refuse to tell me why, and have locked access to my money unless I travel from XXXX, AZ to Maryland to present an ID. After several hours and speaking to numerous employees and supervisors they are still refusing to release the lock on my account, causing me to be delinquent on rent and bills. I WANT COMPENSATION FOR ALL DAMAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, Transunion and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from XXXX, TransUnion or XXXX. I want these late payments and inquires removed because XXXX, TransUnion and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 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 XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, 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 of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Ally obtained a copy of the credit report without my consent. They claim they got the authorization from another lender. I have not authorize directly or indirectly my credit report be pulled to Ally.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

My Mohela student loan accounts were placed on administrative forbearance in late XXXX. I was not informed why. I looked it up and found this website https : XXXXXXXX which explains why I was placed on administrative forbearance but also states that interest accrued during this forbearance should be zeroed. I then received a letter from Mohela about a week later stated that I was placed on administrative forbearance, but it still didn't explain why. The letter specifically states that " daily interest continues to accrue '' during the forbearance. 

In addition to this, because I was placed on forbearance, my auto payments were cancelled which caused my interest rates to increase by 0.25 % on all of my loans. I emailed Mohela through the secure messaging platform on their website in XXXX XXXX XXXX XXXX XXXX. I have yet to hear back from them at all. I tried to call at some point too but the wait time was over 2 hours. I have significant student loans through Mohela so the interest accrued during this time is at least {$1700.00}.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Equifax for intentionally keeping my credit score low despite positive inquiries. This is a direct violation of the Fair Credit Reporting Act. My creditors report inquiries monthly to all three bureaus. Due to consistent payments to my revolving credit and lowering my credit utilization my credit score has increased substantially with XXXX and XXXX, but has substantially declined with Equifax. My credit score has also increased with XXXX XXXX and XXXX due to having charge-offs and collections removed, however, with Equifax, the same information is being reported, yet my credit score has declined substantially. I had a charge off removed, collections removed, as well as positive reporting of payments to credit cards that lowered my credit utilization, yet my score has shown little to no improvement with Equifax and has declined way more than it has increased. This has caused me to be ineligible for housing due to an inadequate Equifax score. I would like for this to be investigated and my credit reports to be compared so that the substantial difference can be evaluated.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a notice from my XXXX that I had a 30 day late payment on my Infiniti account for XX/XX/2020. When I called Infiniti the first time, I provided them not only the debit from my checking account showing the payment, but also their payment records showing the payment. When I called back, they informed me that since there is 31 days in XXXX, and I made the payment on XX/XX/XXXX that caused it to become a 30 day late ... I have been paying on credit for almost 20 years I have never heard of something like this. I have escalated the info to Infiniti, and also submitted a dispute with XXXX. That said, the result of this has caused my current credit score to be below the amount needed to secure a Home Equity Loan ... ..