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

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I discovered XXXX XXXX XXXX re-inserted 2 negative credit items into my Equifax credit file. Equifax failed to notify me as required with 5 days of re-inserting 2 previously deleted items. I did not receive any such notification.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation on XX/XX/XXXX in regards to my account with Capital One Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I re investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below and correct it in my file immediately : XXXX XXXX Balance $ XXXX ; XXXX  XXXX Balance {$0.00}.
Product: Credit card

I reviewed statements for my credit card and found many unauthorized transactions that I never gave anyone consent to make. The unauthorized transactions begin on XXXX. I never made nor authorized anyone to make any of these fraudulent transactions. I have filed an identity theft report and all this is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

This account was paid in full XX/XX/XXXX, through legal communication. My car title was returned to me in XX/XX/XXXX after several request made in XX/XX/XXXX. The account is showing on all 3 Bureau reports as needing attention a d has not updated since XX/XX/XXXX. It shows the last payment was made on XXXX, XXXX, XXXX. Which is incorrect. The balance shows XXXX which should be XXXX, paid in full. It also shows where this particular loan was opened in XX/XX/XXXX, which in fact this partial amount was added after the loan balance was paid. The amount being reported XXXX. XXXX was for lawyer and court fees, hence the incorrect loan amount, status and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express closed my account ending in XXXX on XX/XX/2020 and sold the account balance associated with XXXX to XXXX and XXXX on XX/XX/2020 and yet they have reported my account as delinquent for 90 days. They are reporting inaccurate information to my credit bureaus which is in violation of the Fair Credit Reporting Act, and this has negatively impacted my credit as a result.
Product: Credit card or prepaid card

i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. im in very bad health due to XXXX  XXXX and limited in my mobility.
Product: Consumer Loan

I bought a XXXX Dodge Journey from XXXX XXXX XXXX in XXXX. The dealer charged me XXXX dollars for the car with 29.95 % interest which means XXXX dollars for 72 months in terms. The monthly payment was XXXX dollars .When I found out in the market the real value of this SUV was XXXX dollars, I called them to let them know the contract was overpriced.They told me the federal regulations allowed me to bring the car back after 48 hours.After two months I could n't afford to make a payment, they took the car and sent my name to the credit agencies.Few months after they called me and made an arrangement for a settlement. The settlement was XXXX dollars to pay off. I did pay that XXXX dollars but I still have negative items on my credit report.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX  XXXX ] [ XXXX ] [ XX/XX/2024 ] Debt Collection name : [ XXXX XXXX XXXX ] Debt Collection address : [ XXXX XXXXXXXX XXXX XXXX XXXX ] Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within XXXX days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. Also attached XXXX registration of states where company can collect alleged debt. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to LVNV Funding LLC and all 3 credit bureaus regarding a collection that was opened in XXXX. It is well over 30 days and everything but my XXXX still hasn't been updated or removed.
Product: Credit reporting or other personal consumer reports

XXXX has/is continuously furnishing information knowing it is inaccurate and false and misleading which has lead to number denials i have attached pdf files of the documents and disputes I sent XXXX and furnisher but no one has properly resolved this matter, I will be seeking legal remedies for damages and all actual damages caused by company impeding upon my consumer report and affecting my general mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to contact Transunion about their inaccuracies, but it seems like they give me some automated response. I have contacted their data furnishers and requested them do investigation of the inaccuracy. The data source provider concluded after their investigation their was inaccurate information on my consumer report. They remove and provided me with corrected report. What bothers me in this situation if they are going use a third party for verification both parties have to keep a true and facial record that must have consistence and precise with each other.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below M & T BANK XXXX and XXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

My information has been leaked in a dats breach. I am unable to get approved for a loan or even a home because their stating i have multiple vehicles and loans and hard inquiries in my name
Product: Credit reporting or other personal consumer reports

Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Entries To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed below that appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the removal of these erroneous entries. 

Disputed Accounts : Account : CHILD SUPPORT ENFORCEMENT Account # : XXXX Reported Balance : {$12000.00} Account Status : Closed Discrepancy : [ Briefly state why this is inaccurate ] Account : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$6700.00} Account Status : [ Closed/Open ] Discrepancy : [ Briefly state why this is inaccurate ] Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. Additionally, per 15 U.S.C. 1681b ( a ) ( 2 ), I have not authorized the sharing of my private records, constituting a violation of my rights. 

Failure to remove these inaccuracies will leave me no choice but to pursue legal remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow for statutory damages, punitive damages, and attorney fees for willful or negligent violations of the FCRA.

Please consider this letter as my formal request for deletion of the disputed accounts from my file. If these accounts are verified, I request the documentation used for verification under XXXX5 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Otherwise, I expect a correction within the legally required 30-day period. 

I look forward to receiving written confirmation of the deletions or a detailed explanation of the verification process at the address listed above. Thank you for your prompt attention to this matter. Attach XXXX forms of my identification ID, XXXX, BANKstatment Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of my consumer rights. XXXX XXXX has taken information from the PACER system and sold that information to other reporting agencies. 
XXXX XXXX is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. 
XXXX XXXX is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. 
I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. 

XXXX XXXX is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX XXXX any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. 
Lastly, XXXX XXXX has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the remaining hard inquiry on my Equifax credit report that is not associated with me and was reported without my written authorization, specifically the inquiry from XXXX on XXXX. I already disputed this last month, but the inquiry remains on my report. I request the immediate deletion of this disputed hard inquiry. Reporting this inquiry without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.
Product: Debt collection

Citibank Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from Citibank is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.
Product: Mortgage

In XXXX XXXX now owned by Wells Fargo promised me at origination that my loan would not be sold at my verbal request. 

Today XX/XX/XXXX I received a letter from Wells Fargo that my loan has been sold to XXXX XXXX a servicing provider who this past XX/XX/XXXX had a major security breach of 14.7 million customers sensitive information. 

I contacted Wells Fargo today and spoke with XXXX who hung up on me. I immediately called Wells Fargo back and spoke toa representative named XXXX who told me Fannie Mae told Wells Fargo they could no longer be the servicing provider and my loan had to be transferred to XXXX XXXX. 

Knowing this was not true I called Fannie Mae spoke with XXXX ID # XXXX who informed me Fannie Mae does not tell servicing providers who to or not to sell their loans too. 

I called Wells Fargo back, spoke with XXXX and immediately asked to speak with a Manager. 

XXXX told me they don't have Managers, they have Escalation Specialist who are Managers, they just don't call them that and transferred me to XXXX XXXX who identified herself as an Escalation Specialist. I asked XXXX if employees reported to her, did she give them feedback, monitor or give them feedback about their performance, including corrective action. XXXX answered no and transferred me to a Manager named XXXX XXXX. 

XXXX informed me he sent my feedback about my experiences with the 3 representatives I spoke with before him as well as sent my complaint about not only the loan officer promising me my loan would not be sold, but it was sold despite that promise to XXXX XXXX who had a major security breach in XX/XX/XXXX that impacted almost 15 millions people sensitive information to the highest level. 

XXXX told me I would hear from their Executive Team usually within 2-days. 

Wells Fargo should honor what the loan officer promised me, especially since he never told me about or offered me a form to sign about my loan never being sold. 

Wells Fargo should not only never sell my loan, but should also not transfer my mortgage, or mortgage information to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as misc or bank credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the Equifax data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to 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 These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite Equifax 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. XXXX XXXX caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the Equifax data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,