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

XXXX XXXX XXXX a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Complaint 3 Main Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ) On 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 I was wrongly charged with a hard inquiries of a on my credit profile that I was not aware of. The cause of these numerous occurrences is creating a hvac towards my credit health. I filed for a dispute of the charges of XX/XX/XXXX and the Transunion, XXXX and XXXX said its accurate but it is not. This reflects the reputation of my dignity on how I look in the eyes of different lenders, banks, and other companies. Despite my efforts to resolve this issue directly with Transunion, I have not received a satisfactory resolution This issue has caused me to miss opportunities due to the point deduction system. The file of the inquiry lowered my score tremendously. I become a liability in the eyes of lenders as multiple inquiries as a sign of financial instability or increased credit risk. Which is not the case in this situation. It is not fair I have to wait for 2 years to get something off on my report that I was wrongly charged of and the wrongdoing was reported without my consent. Lastly, this affects my approval changes. I may be looking to get a new apartment, car, or loan but due to this inquiry it will be a hindrance for me to fulfill my possibility of doing that. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2021 - online application was solicited for HSCB by XXXX XXXX via email XX/XX/2021 - application was submitted to HSCB online XX/XX/2021 - documents were submitted online to verify income and banking information XX/XX/2021 - phone call with HSBC to review income verification with request for additional information. 
XX/XX/2021 - call returned to HSBC to verify employment information. HSBC stated no additional employment verification was needed at this time. 
XX/XX/2021 - additional income verification submitted online based on the XX/XX/2021 phone conversation. 
XX/XX/2021 - email received stating loan had only 2 days left to submit the required information. 
XX/XX/2021 - email received stating loan declined due to failure to verify employment " Unfortunately, we are unable to approve your Loan Application due to the following reason ( s ) : We are unable to verify your employment '' ( attached ) XX/XX/2021 - phone call to HSBC resulted in response that all loan decisions are final and this employment verification error can not be revisited and that no application could be considered for 180 days. HSBC employee would not transfer me to her supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I was in the hospital from XX/XX/17 thru XX/XX/17. For medical insurance I am double covered. Every bill for that 5 days has been paid but these two : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$160.00} Both bills are trying to be collected by Grant Mercantile Agency , Inc. XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX. 

As stated before, I was doubled covered by XXXX which I no longer have information for. The other is XXXX member no XXXX XXXX case no. XXXX. Both of these bills are in collection because of insurances not being billed correctly. I am on XXXX XXXX and don't have the income to pay these bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have Equifax breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX  4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}
Product: Checking or savings account

I disputed transactions on my Netspend Skylight Card it said I used a XXXX  to withdraw funds when in actuality I dont own a XXXX  nor can I have one. The named XXXX Im assuming doesnt even have my SSN attached to it but they refused to refund my Money and theyre charging me unexplainable fees as well.
Product: Mortgage

Nationstar mortgage has been lying and cheating to us for years. They told us not to pay our mortgage so that they would modify it and be able to lower our payments. XXXX I need help! We have XXXX kids. I am married for over 15 years to the love of my life, but I can not walk many days and our mortgage keeps rising. They have several class action lawsuits against them. We are deserperate to modify or refinance. But after they ruined our credit they have been reporting negatively for over 16 months and we have been on time for 14. They even put that we accepted a special program so it shows up in the negative column even though we are on time. They add inspection fees and other miscellaneous fees that they say we need to pay for and have had people outside our home. We have been on time for over a year but our mortgage keeps rising and I am so sick. While this was happening I was in hospice. I fight everyday to live to watch my kids grow older. We have XXXX amazing kids but I am in so much pain from my body. I am just so sick. XXXX and Nationstar has been dragging their feet. They refuse to fix my credit and they harass my phones and my Husbands and also mail us credit consolidation paperwork. What can I Do? They ruined us. We can not be homeless but need to be able to raise our children. They need to modify our loan and remove pmi like they promised. I have gotten over 10 letters stating that removing pmi would be fromXXXX -XXXX. They have no idea what is going on. My Husband tried and I have my friend typing all of this because my arms barely work to type all of this. This is crazy and terrible for my health. The stress on top of everything else is killing me. PLEase someone help us. We went to XXXX XXXX XXXX XXXX. We have always been told there are many Class actions so we need to join one. PLEASE WE JUST NEED THEM TO CARE enough before I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, This is in reference to Report Number XXXX which was processed on XX/XX/2022. 

Experian opened a dispute on the wrong item on my credit report and removed 8 years of on-time payment history. The account # is XXXX and it is a {$500.00} line of credit. 
They were to dispute another account instead that had similar account numbers. This on-time payment history was to remain on my account until XXXX. I had a XXXX line of credit that I paid between the years of XXXX on time. All of that information and historical data was deleted when it shouldn't have been and I was told by an agent that they can't restore the original information. 

There should have never been a dispute placed on that account that was a huge error that has ruined my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account.

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.
Product: Debt collection

I received multiple calls from this place today. They also called my place of work and GAVE OUT MY SOCIAL SECURITY NUMBER over the phone to my boss. We have the same first name, so there was confusion. The person who called didn't give the last name of the person they were contacting, so my boss thought the call was for her. The person then tried to get my boss to confirm my social security number. How is this legal??? All they asked was "Is this XXXX" and my boss IS a XXXX, so she said yes. They didn't say a last name, or what they were calling about, before blurting out my entire ssn. I called the number back when I got home and the woman (her name is Mrs. XXXX) was extremely rude and aggressive with me, and made excuses for why they gave out my social to a random person. I have no idea what the debt is even about, student loans or credit card (both of which I'm already paying on).
Product: Debt collection

Received no written notification of this debt. Don't know what this debt is. 

Repeated harassing calls from rotating numbers several times a day to myself for months no messages ever received. Research on my part indicates it is Portfolio Recovery Associates. Still unclear where debt originated. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XXXX XXXX, XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

problem whit XXXX XXXX XXXX on my credit report about every 2 to 3  month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 i identified numerous discrepancies with accounts reporting on Transunion accounts. I sent certified letters to Transunion on XX/XX/2023 concerning these discrepancies and fraudulent inquires and the accounts continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. According to 15 USC 1692e has been violated. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all the discrepancies is corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have asked ( through XXXX ) for proof of the alleged debt and have never received any. Armor Systems Corp erroneously claims that I owe {$1000.00}. I never received any written notice whatsoever from Armor Systems Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX  XXXX XXXX XXXX Card
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

Valley credit collection agency was paid for XXXX delinquent accounts on XXXX/XXXX/2015. {$56.00}, {$100.00}, {$120.00}, {$25.00}. Totaling {$300.00} plus a processing fee of {$5.00} for grand total of {$310.00}. Collection agency refused to provide me written communication of itemized bills I paid. They also have not notified credit bureaus that accounts were paid in full.
Product: Credit reporting or other personal consumer reports

I found erroneously reported information on my consumer report with XXXX. I had XXXX remove the information ( bankruptcy ) and Experian is not removing the item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within XXXX days of receipt to my accounts so that my creditors and anyone else pulling my credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is no last reported date which is required. XXXX has since removed this account. I am including the disputed item along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.