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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NCA is reporting an un-verified account on my credit reports. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. This alleged account is 6 years old past the statue of limitations for my state of GA. NCA deleted the account between XX/XX/2019 and XX/XX/2019 Then re-inserted the account on XX/XX/2019 without me receiving any knowledge of it. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Debt collection

In XX/XX/2017 a credit card was opened in my name by my ex spouse. I did not give her authorization to do that. After finding out about the credit card a couple of months later she told me that she would pay the money back and contact Navy Federal and let them know that I did not open this account. Ive tried disputing this account to no avail. This account has a tremendous impact on my credit report and its unfair that Im deemed ineligible for things due to an account that I never opened. I would like for Navy Federal to get this account removed off of my credit report as well as contact my ex spouse and put this on her credit report. Btw she has a bank account with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Report Act XXXX Account # 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. 

1. XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) 2. XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) 3. XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) 4. XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) 5. XXXX  XXXXXXXX XXXX  ACCOUNT # XXXX ( XXXX ) ( XXXX ) 6.XXXX XXXXXXXX  ACCOUNT # XXXX ( XXXX ) 7. XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax ( EQ ) update the bankruptcy reporting file date in my credit file. I have submitted documentation supporting the inaccuracy. Equifax is reporting a incorrect file date for the case number XXXX. Equifax replied that I am a credit repair company, due the verbiage use in my complaint. I am enclosing a copy of my XXXX that verifies my name. The XXXX proves a level of competency. XX/XX/XXXX, EQ stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. EQ states that the public record information obtain was from a third party vendor XXXX ( XXXX ). EQ states that if I have any additional further questions contact US Bankruptcy Court. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EQ filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EQ continues to report XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EQ continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account wil be in the file for 7 years I am requesting that EQ   permanently report my correct file date as confirmed by XXXX. 
I am requesting EQ method of verification. 
I am requesting EQ update XXXX XXXX account and XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, since XXXX with XXXX  I have been asking them to place back my Santander Consumer USA account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX and XXXX. I have reached out directly to XXXX via phone, and even mailed in my payment history to them directly from Santander from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted Santander Consumer USA, they keep telling me the issue lies with XXXX.
Product: Checking or savings account

I am a care taker for my XXXX XXXX XXXX aunt who recently returned home from a nursing home. We hired a full time home care aid who banks with Peoples United. From the very beginning it has been a nightmare! I first tried to wire 1400.00 to her account from our XXXX account ( current XXXX is XXXX ) and it was rejected. so I tried to use XXXX and that was rejected. Peoples bank closed my home aids account and said it was fraud. She had to first find a local branch and reopen another account.. hassel! so I figured I would open an account with Peoples and transfer her pay weekly. the account was opened on XX/XX/XXXX and I deposited enough money to pay her for the month I was told I would be able to send XXXX payment of 1400.00 a week. The first time I tried, I was only able to transfer 500.00 a day, ok fine I sent XXXX payments 500.00 on XX/XX/XXXX 500.00 on XX/XX/XXXX and 400.00 on XX/XX/XXXX did that for XXXX week. this week I tried again 500.00 on XX/XX/XXXX 500.00 on XX/XX/XXXX and THEN the account was closed!!! I call customer service who informed me i was using this account fraudulently and they are not in the business to have customer misuse accounts. I ONLY ONLY opened this account with peoples united to make it a bit easier to pay my home care attended but that backfired! Glad they are closing as I have NEVER in life been treated like this in my life! I will pull all my money out today and tell everyone about this experience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct late open accounts and remove the public record on my credit report. Despite my persistent efforts and valid claims, these late open accounts have not been rectified, causing considerable harm to my credit profile and financial well-being. 

I first identified late open accounts inaccurately listed on my credit report. These entries do not accurately reflect my financial history and have a detrimental impact on my credit score. 

Upon discovering these late open accounts, I promptly initiated disputes with your organization by following the prescribed dispute resolution process on your website. I provided supporting documentation and requested the correction or removal of these late open accounts. Unfortunately, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made multiple follow-up attempts to dispute and correct these late open accounts. I supplied additional evidence and communicated with your customer support, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide substantiating evidence, I have not received a satisfactory resolution from your organization. The late open accounts continue to adversely affect my credit score, making it difficult for me to access credit and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, specifically by removing the late open accounts and ensuring that my credit history accurately reflects my financial record. I also request written confirmation once these corrections or deletion have been made. 

Failure to address this matter promptly not only undermines my ability to access credit and financial opportunities but also erodes my trust in your organization 's ability to manage accurate credit reporting. I am asking for your assistance to correct these accounts and remove the public record : XXXX XXXX XXXX Balance Owed : {$2100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. PeXXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Vehicle loan or lease

Recently, I was sent over to Westlake portfolio from American car center. When they did this exchange nobody had registered my vehicle. I spoke to the DMV XXXX XXXX and was instructed to get my lease agreement from West Lake portfolio in order to register my vehicle when I called Westlake, they have no lease agreement on my vehicle. Instead, they send me an Fauls agreement with the wrong vehicle on it ive asked them several times to please come up with the right agreement in order to register my vehicle so I can drive it. Ive been getting run around for about two months. They still have not sent me the correct form. They are also charging me {$30000.00} for a XXXX  XXXX XXXX, but according to my bill of sale, the car is sold at {$21000.00} which was agreed-upon
Product: Credit card

I had a credit card with USAA, my available credit was {$16000.00}. My balance is currently around {$3000.00}. In XXXX 2016 unauthorzed transactions were placed on my account, as a result my credit limit was exceeded. Therefore, USAA revoked the account. I filed my disputes, USAA investigated the un-authorized transactions and reversed them. However, refuses to place my account back to the original status prior to the un-authorized transaction activity. USAA has also forwarded this inaccurate information to all XXXX credit bureaus. I have disputed the reporting of my account revoked and balance, with the bureaus, they have requested an investigation. Therefore, USAA has triggered my ability to collect damages. My credit score has been lowered by XXXX pts. currently around XXXX from XXXX. I have made all my payments, all much higher than the required.I have made a total of over {$7000.00} in payments just this year. I have sent numerous emails but USAA refuses to follow federal policy. I am in the process of securing a large construction loan ( in the XXXX figure range ) the higher interest rate will cost me more than {$35000.00} over the course of the loan unless this USAA returns my account to its original status and reports it correctly to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person, I am a loving human being, I have the rights under 15 USC 1681. 
EquiFax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate a charges on my Chase card from XXXX XXXX XXXX on XX/XX/2016 of {$3000.00}. I just did a complaint but forgot to mention this charge, there are so many of them that It is hard to keep up and remember all of them.I got contacted by this company by an unsolicited telemarketing phone call. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electric Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Payday loan, title loan, or personal loan

Navy Federal uses the wrong info on the XXXX report. NFCU HAS MY CREDIT ACCOUNT SCORE AT XXXX.MY XXXX SCORE IS XXXX. I JUST ASKED FOR A NEW LOAN SO I CAN GET A LOWER INTREST RATE ON MY LOAN. THE SAME THING HAPPENED TO ME WITH NFCU ON A PREVIOUS LOAN. I WAS DENIED A LOAN BASED ON INACCURATE INFORMATION WHICH I HAD TO PERSONALLY CORRECT BY OBTAINING THE CORRECT INFORMATION ON MY OWN. THE LOAN I ASKED XXXX WAS BASICALLY THE SAME AMOUNT THAT I OWE ON A HOME IMPROVEMENT LOAN. I HAVE READ THAT NFCU MAKES IT DIFFICULT FOR PEOPLE IF COLOR TO OBTAIN LOANS, AND IF THAT IS VALID. I FALL INTO THIS CATERGORY.I HAVE A FLAWLESS REPAYMENT HISTORY WITH NFCU & 30 YEARS AS A MEMBER. I DO NOT UNDERSTAND WHY I WAS TURNED DOWN FOR A LOAN THAT IS ALMOST FOR THE AMOUNT I CURRENTLY HAVE.
Product: Payday loan, title loan, or personal loan

I have applied and applied and applied everywhere for some type of loan or cash advance because I am seriously struggling due to Corona virus and because I have a lack of history I keep getting denied everywhere I go. Even for the simplest of credits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] [ Experian ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Experian Data breach Dear [ Credit Bureau Name ], I am writing to dispute an item on my credit report that I believe is inaccurate. I recently obtained a copy of my credit report from your agency, and I noticed the following discrepancy : All accounts and information have been involved in a data breach and my information has been solicited Disputed Information : [ there is an error reporting, incorrect balance, missed payment, account status, etc. ] Explanation : [ due to the data breach I would like all negative inquiries removed from my credit report I request that this information be investigated and corrected as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely investigation of this dispute. I have attached copies of any relevant documents that support my claim ( such as bank statements, receipts, or correspondence with the creditor ). 

Please conduct a thorough investigation and remove or correct this inaccurate information on my credit report. I would appreciate a written confirmation of the outcome of your investigation, as well as an updated copy of my credit report once the dispute has been resolved. 

Thank you for your prompt attention to this matter. If you need additional information from me, please do not hesitate to contact me at [ ( XXXX ) XXXX ] or via email at [ XXXX ]. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
Experian, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit card or prepaid card

When checking my credit card statement, I noticed a charge for {$44.00} to XXXX. When I called the phone number associated with the charge it was PayPal. I opened a dispute with PayPal & they denied my dispute. Anytime I make a purchase though XXXX, I get an email with description of what it was. ( ie. songs or what have you ) I received no email on this transaction and it is not associated with my XXXX or XXXX account. I did not authorize this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report in I saw that the credit bureaus has a report bankruptcy on my credit in it has stopp me from moving in my process into buy a home
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I address the inaccurate bankruptcy information currently reported on my credit file. The case that you are reporting as valid and accurate is, in fact, incorrect. There has never been a case brought to trial or adjudicated upon, and consequently, there is no judgment associated with it. Without a judgment, there simply can not be a case. Since a judge has never presided over this matter, I fail to understand how it is being reported. 
Failure to verify this information before reporting it will prompt me to seek legal recourse. I have already consulted with my attorney, who will proceed with legal action within 30 days of this letter if the inaccurate information is not removed promptly. I request immediate removal of this account from my credit file. 

XXXX XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX BANK XXXX and XXXX BANK XXXX.