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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$4700.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report  XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX  2016
Product: Mortgage

purchased house through mortgage broker XXXX XXXX in XXXX LAST MORTGAGE SAYS MY NAME XXXX XXXX WAS REMOVED FROM MORTGAGE DATED XX/XX/XXXX doc # XXXX STILL CURRENT! I NEVER REMOVED MY NAME FROM ANYTHING CHECK THIS OUT WITH NOW ROCKET MORTGAGE NEW LOAN # XXXX XXXX NORTH XXXX OSKALLOSA IOWA XXXX? ROCKET WILL NOT GIVE ME INFO NOT ON MOERTGAGE! PLUS I HAVE 2 RETIRERMENT ACCOUNTS MISSING XXXX XXXX XXXX IOWA, XXXX XXXX FROM XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX! ALL THESE RETIRERMENT ACCOUNTS HAVE GONE MISSING ******* PLASE HELP XXXX XXXXXXXX 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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, U.S. DEPARTMENT OF EDUCATION XXXX XXXX, XXXX DEPARTMENT OF EDUCATION XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 ( 7 ) 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 or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose. 

Credit Account : XXXX XXXX  XXXX  Retail Card Account Number : Ending in XXXX Missed payment in Question : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, XXXX, and Experian. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX/XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item ( s ) on my credit report. I have not received verification in the 30 day period. I sent in my dispute on XX/XX/XXXX XXXX. Today is XX/XX/2021. I still haven't received verification of the items on my credit report. Under the FCRA 611. It states that all items I disputed must be removed if I haven't received a response in 30 days.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request complete removal of the disputed items.

My credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I will seek legal counsel if I dont get these items to remove from my credit score. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this because the XXXX credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Product: Debt collection

Two days in a row I have been contacted by the PCR Group claiming they need someone to pay the debt of my grandchild, XXXX XXXX. I have no children, therefore, I have no grandchildren. 

I asked them to remove my number that I am not associated with XXXX and they called the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX dispute notice to all 3-credit reporting Experian has been refusing me my credit report. my last report from them was XX/XX/XXXX report # XXXX. On XX/XX/XXXX another letter to Experian requesting dispute and a updated letter by mail or email never got nothing.XXXX XX/XX/XXXX i sent XXXX a dispute letter requesting a copy of my credit report. sent certified mail signature with a copy of my ID and ss card dispute # XXXX. i then submitted report to the CFPB complaint # XXXX. ( Nothing done ) on XXXX received any update or credit report. on XX/XX/XXXX i again requested a copy of my credit report neglecting to remove and delete items of my report requesting a update never got it. today XX/XX/XXXX and XXXX still has disregarded ALL dispute. old acct on their i requested for Experian to remove address due to ex-husband trying to harm my family i think they moved my address to employment report # XXXX ' named my son XXXX as my spouse. XXXX has also failed to correct I do not receive SSDI i receive SSI. Experian has failed to update total balance credit summary. disregarded letters of deletion via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX letter of deletio by doing this XXXX has been sabotaging my credit score affecting the lives of myself and XXXX grandsons I XXXX. case created XX/XX/XXXX case # XXXX Eperian
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 items : DEPT OF EDXXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$230.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I had my cash back rewards set to automatically redeem at the end of each month and go into my Bank of America savings account. The problem started when I closed this savings account due to high minimum account balances and high fees. 

When I closed my savings account I changed my preferences online so that my credit card rewards were not automatically redeemed each month. I also called the bank to close the savings account and specifically asked if there was anything else I needed to do to make sure the credit card rewards would not be automatically redeemed to a closed account. 

I closed the savings account in XXXX 2017. Each  month since then, my credit card rewards show a XXXX  dollar balance and it says the rewards were redeemed. It does not show which account the money went to. I call BofA and explain the situation. Each time they assure me it will not happen again and that my cash back rewards are not set to automatically redeem. 

The cash back rewards are not insignificant amounts for me. Since XXXX 2017, they have " lost '' a few hundred dollars of my cash back rewards. When I bring it to their attention they " find '' it, but if I am not paying attention and continually following up with them I fear they will not fix the situation.
Product: Vehicle loan or lease

Credit Acceptance reported to my credit report that I was 2 months behind after I called to set up forbearance from being impacted by the pandemic they are telling customers that they doesnt do forbearance on their contracts. But did advise me that they will not be submitting and late accounts to the credit bureau. Well on XX/XX/XXXXthey reported that I was 60days late on my report. How am I 60 days late when my car payment was made in XXXX and the pandemic started XX/XX/XXXX they were contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, I had a leased vehicle with Ally Auto and I transferred it to another person last month. At the time of transfer I specifically confirmed that I will no longer get billed for the vehicle from the next month onwards. My account was on XXXX XXXX where my savings account would get debited, and the agent said I will no longer be billed. 

This month my savings account got debited and when I called in Ally said they can't reverse the payment! They said it was my responsibility to cancel the XXXX! I no longer have access to the account so I don't know how to cancel anyway. 

I complained that why are they sending a bill to my account anyway when XXXX mo longer have business with them! They refused to take my complaint as well. 

This is my savings account and I needed the fund to make a purchase towards my house and now I don't have enough funds to do the transaction! 

They are asking me to contact my bank to stop the payment! This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX  XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} COLLECTION SVC XXXX {XXXX} XXXX  XXXX {$XXXX} COLLECTIONS XXXX {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX we began a car note on an XXXX XXXX that we bought on XXXX financed by XXXX XXXX XXXX XXXX. ( it's been paid in full for many years. ) In XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX tried to force us to pay additional insurance that they chose to purchase " for us ''. We told them that we would pay the car payment in full but not the XXXX. They said if we didn't pay the forced XXXX that we didn't want, that they would report the payments as late regardless. 

Over the next several years we literally called them ( and the credit agencies ) 100 's of times trying to get them to remove their incorrect late reporting. They refused and never took us seriously, hanging up, laughing and stating they would never remove the lates under no conditions. 

Fast forward to present day, a few months ago, XXXX XXXX was order under a settlement agreement ( case no XXXX ) to remedy these credit issues. ( see XXXX  ) we were part of this class. 

So for the last several weeks I have been calling ( again several 100 times ) to get them to follow the settlement agreement and stop reporting the false lates they put on our record. Instead of taking that seriously they have called me every name in the book, hung up on me, threaten me with injunctions, and refused to comply with the settlement agreement. When I called several 100 times they, can not get whom is handling my case, put me on hold for hours, and hangup while telling me lies about call backs that never come. Weeks past and on XX/XX/XXXX they committed an additional act of fraud. 

I woke up to an alert from XXXX XXXX  that " XXXX '' ( weirdly spelled by the way ) had done a hard inquire on my Equifax credit. We DID NOT authorize this in any way to say the less, it was a shocking. 

When we called to let them know and demand that they immediately correct the fraud, one of their employees laugh and said " you shouldn't have XXXX with us '' we are not removing the inquiry. 

I have since reach out to the highest levels ( see screen shots of me alerting XXXX XXXX the CFO of XXXX XXXX ) of their banking institution and even he was more concerned about the " words '' I use and regulating my speech then confronting the retaliating fraud their employees committed. 

They have since threaten me with an injunctions. ( by the way I got one of their employees to admit that they could actually not even find " evidence '' of the inquire which underlined the fact that it was definitely retaliation and fraud. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Experian Several times, They are not performing a proper investigation and stating the account is verified, I asked for the method of verification and for any form of proof this account is mine. i asked for the contact information of the person they verified the account with and they have not provided any. i have been disputing this account since XXXX. I have spoken with the creditor, and they have not been contacted by experian. They creditor can not provide proof this is my account. I am so frustrated with experian at this point. They are ignoring my request, and reporting whatever they choose and the information is inaccurate and unverified. This account is very damaging to my credit profile. I don't know what else to do to get this account fixed on my credit file please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX XXXX XXXX  ) XXXX****, XXXX   XXXX****, XXXX XXXX  XXXX**
Product: Credit reporting or other personal consumer reports

Foster and Monroe LLC, posted a debt of {$17000.00} on my XXXX credit report on behalf of their client XXXX XXXX XXXX based on a civil judgment dated XX/XX/XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Case number XXXX. 

I informed Foster and Monroe that there was a class action lawsuit against XXXX XXXX XXXX and my case was part of the suit. The case is no longer listed in the court system because it was removed after I disputed it. 

Foster and Monroe is continuing to report false information and their XXXX rep hung up on me when presented with the information. 

The case no longer exists and XXXX XXXX XXXX responded to my previous complaint acknowledging that my case was part of the suit. 

I have requested they remove the information from my report and they refused and told me they wholeheartedly believed I was mistaken and they bet I never even received a notice from the Class action Suit. 

I am a XXXX XXXX  trying to qualify for a VA XXXX loan. 

The account was removed from report in XXXX and they reopened it based on a dismissed lawsuit. They need to be fined, and the false information needs to be immediately removed. They are knowingly refusing to correct the information.
Product: Credit card or prepaid card

I purchased a purse from XXXX XXXX XXXX that arrived on XX/XX/XXXX. The purse was a fake so I returned it on XX/XX/XXXX. This is well within the 30 day return policy. It arrived back to merchant on XX/XX/XXXX. This can be verified via the tracking information from USPS. 

The vendor did not respond to my emails and they do not list a phone number of their website. A internet search on this company shows a history of selling fake items and ripping off consumers but not refunding payments. 

I disputed the charge with Chase as their credit card was used for this transaction. I have provided them with the tracking information several times and have spent hours on the phone with their dispute department. It has been more than 5 months and they still refuse to refund this transaction. This is completely unacceptable.
Product: Checking or savings account

wont let me open a checking account with citibank.
Product: Credit reporting or other personal consumer reports

After contacting Equifax for the past 2 weeks, they stated that my account was unblocked and fraud alert has been removed. However, XXXX XXXX XXXX was unable to obtain my credit report from XXXX XXXX XXXX. 

I'm applying for a mortgage loan that is now time sensitive. Problems are not resolved from Equifax, in fact, the representative wasn't not able to assist me and disconnected my phone call before I can finish. Futhermore, Equifax is blaming XXXX XXXX XXXX for not having my correct information. This is NOT TRUE! 

XXXX XXXXXXXX XXXX. attempted to access your Equifax credit report on XX/XX/year>, but access was blocked. The category of this inquiry is Miscellaneous Reptg.Your Equifax credit report was not delivered to XXXX XXXXXXXX XXXX because your Equifax report is either locked or has a security freeze in place. Therefore, the inquiry for your Equifax credit report by XXXX XXXX XXXX was blocked. 

Is there a reason Equifax is inept in removing the fraud alerts and blocks from my account, although I had my file unlocked online from the myequifax.com website?