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

Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX  Date Opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} **Inquiries** 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

I filed an complaint against this company in XXXX XXXX. The company agreed to cancel the referenced account and remove it from my credit. It has been reapplied to my credit report again.
Product: Debt collection

Avante XXXX showed up on my credit report today. I called and the said it was for a medical debt in Kansas. At the time this debt was owed, I was not living in Kansas, so there is no way that the debt is owed by me.
Product: Credit card

On XX/XX/2023 Navy Federal CU closed my account without my knowledge and still continue to report late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 3 inquiries by XXXX XXXX XXXXXXXX that was not authorized. The dates on the Transunion report are XX/XX/2020, XX/XX/2020, and XX/XX/2020. There was no authorization from myself for XXXX XXXX XXXX to inquire 3 times in such a period of 5 days. Also there is no authorization for Transunion to report such inquiries on my credit report. 

Remove these inquiries off of my transunion credit report.
Product: Checking or savings account

I recently filed 3 disputes with my USAA bank due to my account through USAA being hacked via XXXX, which is linked to my checking and savings account. There was a transaction of XXXX dollars sent via XXXX to a person whom i do not know and another of XXXX dollars again to a person I do not know. The names were of unidentified people, people I never had contact with or met. I explained to my bank on the first dispute on XX/XX/2023 that my XXXX account had been hacked and on the second dispute filed on XX/XX/2023 after my first one was denied I submitted proof that my XXXX account had been hacked by sending them messages sent to me by family and friends showing my account was hacked by someone asking for money. I completely lost all access to my XXXX account and had to ask people to report the account so it could be removed completely. On my XXXX account I used XXXX XXXX and had my accounts linked. I also asked the representatives at USAA to allow me to speak with a fraud specialist that would review my claims, they told me they couldnt connect me to one but would note in the claim for them to call me. Throughout all of my disputes I was never called once by any fraud investigator, they also never gave me a clear answer as to why my claims were denied. I had XXXX dollars total sent from my account, I have a family, I had XXXX in XXXX and the XXXX dollars is important to me. I have felt like USAA was not taking my claim seriously and stated that nobody could get into my account but I endlessly tried explaining they could due to my account being linked on XXXX XXXX. I have tried everything I can and am trying my best to keep fighting for my money back. This has all caused me to be overwhelmed and sick in my stomach. I would appreciate any help I can get and I appreciate it in advance!
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name LVNV FUNDING whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/2023, while the other says I opened the account XX/XX/2023. Because the account being reported by XXXX and XXXX are different, this means the account has not been properly verified.
Product: Mortgage

Pennymac loan services refuses to relase me from escrow so I can pay my taxes and insurance on my own. The reason I am requesting this is because they are asking for a {$500.00} a month increase in the escrow payment and my taxes nor my insurance has gone up??
Product: Consumer Loan

1 ) Failure to post payments in a timely fashion. I sent two payments via XXXX with follow up calls providing proof of payment. On both occasions I continued getting phone calls from employees that would yell at me, and threaten to have my vehicle repossessed and hang up on me. 
2 ) Vehicle repossession causing extra fees after payments were remitted and verified received, with all payments up to date. 
3 ) Continuous calls demanding payment after vehicle reclaimed from repossession company and additional fees being sent via XXXX. 
4 ) Third party disclosure to my brother in law after stating he was not my spouse. My brother in law was told that calls were regarding my auto loan. 
4 ) Applying insurance to may loan after being supplied with my private insurance information on 3 different occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as 120+ days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Product: Debt collection

In XXXX I was contacted by the company in reference to a monthly payment. I informed them I couldn't pay the full amount due to having XXXX, but I could pay the majority. The rep said that would be fine and she would contact me in XXXX to set up new payment arrangements. In XXXX I was contacted by another representative asking about payment. I attempted to remit the payment by phone, but was told it could not be accepted. A week later, I received another call and spoke with a different representative who advised me {$50.00} was not good enough, and he needed the full amount owed on the account. I advised him I could only pay {$50.00} right now, and he declined to take the payment, again stating he needed the full account balance, and until I paid that he would continue calling and take other measures up to and including court. Since then, they have called nearly everyday and have been given the same information with the same response. They are also calling my friends and family saying my phone is disconnected and they are seeking me to sue for the remaining balance. Today, XX/XX/XXXX I received a call from the regional supervisor. I advised her of the previous conversation, and she said there were no notes and the account notes reflected they had not heard from me since XXXX. This is a false statement since I have been paying monthly throughout XXXX. I informed her of the refused payments, in which she stated there were no notes. She consistently talked over me, not allowing me to speak saying, " If you had paid the full amount, we wouldn't be calling. '' She asked me twice to stop cursing at her, and not once had I used any foul language. She then said she was hanging up on me, due to my language and again, not one time had I used foul language. In fact, I was hardly allowed to speak without her speaking over me. In the past, this company has been harassing in nature to the point of having to file a formal complaint with the local court, due to an employee threatening to have me thrown in jail and my kids put into fostercare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a 40 point difference in score on my credit report. As of todays date the scores are as follows : XXXX  XXXX ; XXXX  XXXX ; and Experian XXXX. I complained to Experian a couple of weeks ago and the issue has not been resolved. They claimed that the score is based on the XXXX XXXX scoring system. However, XXXX  and XXXX  use the same scoring system. This average 42 point reduction in score radically changes my average credit score and puts it in the XXXX range rather than the XXXX range. This 20 points makes a huge difference when companies are considering my credit worthiness. Ive never seen such a difference in my scores since tracking them for at least two decades. I just want them to adjust my score to the correct number. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPT. OF EDUCATIO XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor XXXX XXXXXXXX XX/XX/XXXX unknown XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX AUTO FINANCE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT. OF EDUCATIO XXXX XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

On XXXX XXXX, 2021, received message from XXXX XXXX XXXX, that my credit file just received a credit inquiry and I knew it was not me. 
The inquiry came from SYNCHRONY/AMAZON, phone XXXX, after about 30 minutes of going thru all different departments, I was told to ask for a CUSTOMER CARE AGENT, explained to them and they sent me to their INVESTAGATION DEPARTMENT, I spoke to a man named XXXX, he took all my info. and agreed with me that my inquiry was from a fraudulent individual. XXXX told me they would send a message to XXXX XXXX, telling them that they are DELETING their credit inquiry, and ask that XXXX XXXX likewise remove the inquiry from my report As of todays date XXXX XXXX, 2021, XXXX has not received word from SYNCHRONY BANK!
Product: Debt collection

CFPB Complaint DESCRIPTION OF MY COMPLAINT : On XX/XX/XXXX, Experian sent me copy of my credit report # XXXX. 
On page number 4 of that report, Experian lists XXXX XXXX as a potentially negative account, with a payment history of collection. 

In XXXX, negative report against me was submitted by XXXX XXXX to the credit bureaus, after my husband and I requested that our account with them be closed. 

I immediately reached out to XXXX XXXX and disputed report with the credit bureaus, both in writing and by telephone. I submitted evidence of my good faith to resolving problem with them, also submitted evidence of paying balance they claimed in full. 

I was always willing and available to resolve situation. The collection status of my account with them contributed to me been disapproved for a mortgage loan in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -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, has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generallf, after any reinvestigation under paragraph ( 1 ) 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 XXXX le of the consumer. and according to 15 USC 1681 s-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 card

I closed a XXXX account in 2010. There was a balance and I had signed up for automatic payments to be drafted from my account. I received a notice that my credit profile had changed and when I investigated, I found that the card changed XXXX XXXX to Synchony Bank and that they had stopped the autodraft on my account. I contacted the Synchrony Bank to complain and they claimed they would credit me the late fee and remove the credit reporting from my account and send me new paperwork to restart the autodraft. I returned the autodraft form and received a second notice today that my XXXX score dropped because they payment was late. my new statement states they will autodraft the amount overdue ... why did n't they just autodraft the appropriate amount to start? I tried to call the Bank and speak to customer service but received a recorded message that they were having technical difficulties and was disconnected. My XXXX score has dropped XXXX points now and the interest rate on this card jumped to $ 27 %. I would like my credit score restored and the late fees refunded and my previous rate of 12 % restored
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX
Product: Bank account or service

Huntington checking account charged a monthly fee of {$5.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX