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

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting it as XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. XXXX  is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act the following companies listed *XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX  has violated my rights the accounts are fraudulent. 
XXXX15 USC 1601 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 a account without my written instructions.

*15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair card it reporting act XXXX  those account has violated my right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding a matter that has been weighing on my mind since I discovered it on XX/XX/2023. It pertains to a collection entry on my credit report, which has left me feeling quite perplexed. 

Upon coming across this collection item during my routine review of my credit report, I was taken aback. As I delved deeper into the details, it became evident that this entry does not align with my financial records. After careful examination, I can confidently assert that I do not owe any outstanding balance to the reported creditor. 

With a sense of responsibility and in accordance with the Fair Credit Reporting Act ( FCRA ), I am reaching out to you to request a thorough investigation into this matter. I kindly ask for validation of the debt, including pertinent details such as the original creditor 's information and any documentation supporting the alleged debt. 

I understand that errors can occur, and I trust that your team will handle this matter with the utmost diligence and professionalism. My goal is to ensure that my credit report accurately reflects my financial standing. If it turns out that there has been a misunderstanding or an error in reporting, I respectfully request the removal of this inaccurate collection entry from my credit report. 

Enclosed with this letter are copies of relevant documents that support my claim. I hope they will assist you in your investigation. 

I sincerely appreciate your attention to this matter and your prompt response. Please keep me informed of the progress and the results of your investigation. Should you require any further information from my end, please do not hesitate to reach out to me. 

Thank you for your understanding and cooperation. 

Section 611 : Procedure in case of disputed accuracy : This section outlines the procedures that consumer reporting agencies ( CRAs ) must follow when a consumer disputes the accuracy of information on their credit report, including collections.
Product: Student loan

I was making diligent automatic payments from my bank to Sallie Mei on my Federal student loans, but when the loan accounts were transferred to Navient, late fees started accumulating because Navient changed loan due dates.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX XXXX : {$2200.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Arbitration Dear XXXX XXXX, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with XXXX regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that XXXX is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the Cardmember Agreement, XXXX has contractually bound itself to honor my demand to resolve our dispute through arbitration. XXXX does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that XXXX XXXX take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my XXXX XXXX  account. Please provide me with any required forms, instructions or other information I XXXX need to properly file for and commence the arbitration proceedings. 

If XXXX Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that XXXX comply with the agreement and participate in the arbitration. Any further delay or refusal by XXXX to honor the arbitration clause may result in additional legal action. 

I look forward to XXXXXXXX XXXX XXXX prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I applied for an auto loan and the dealership provided the required Request for Payment form to USAA. As requested, the dealer provided the Routing Number and Account number. USAA informed me ( the borrower ) that they did not receive the routing number and account number. When pressed ( over 2-3 days of repeated calls ), USAA admitted that they received the numbers but required a different set of numbers to complete an ACH transfer to fund the loan. The dealer immediately provided the requested information via email. Unexplainedly, on XX/XX/2022, USAA sent a bank check to the dealership via XXXX which was received on XX/XX/XXXX. USAA made the check out to the parent company and not to the automobile dealership, as directed. When I called USAA on XX/XX/XXXX to demand that they fund electronically, they refused and offered to put a stop payment on the check and re-issue the check. When I asked whether they would amend the " funding day '' to the day when the check was actually received by the dealership ( expected to be XX/XX/XXXX ), they refused. When I informed the representative that I thought such practices violated Federal consumer protection laws by charging consumers interest on loans they had not yet received, they were still unwilling to correct the funding date. 

Although the difference in the interest amount paid is negligible, if a wide-spread practice, the amounts wrongfully charged consumers may be substantial. If not an actual violation, clearly the conduct constitutes an unfair, deceptive, and abusive act/practice ( UDAAP ). 

Providing full disclosure, I was a CFPB XXXX XXXX XXXX for XXXX XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report closed accounts that I do not recognize
Product: Mortgage

HUDs third-party contractors employee that I was assigned as my loss mitigation specialist, Gave me false information, went out of his job description, approved the request for payoff when it should never have been approved which I didnt know until that guy from the fraud department at Hud told me . he gave me false information and he was negligent on reporting fraud. I reported it to him in XXXX and it was months later before I actually talked to somebody else and was able to get it reported his negligence going out of his job description cost me {$160000.00}. Compulink or XXXX needs to be accountable for the actions employed by their employee. The fraud department specialist from Hud specifically told me that this employee had went way out of the job description and giving me all these faults information of what to do to sell the home with a realtor I mean just all sorts of things that wouldve resulted in foreclosure, and me being sued again, and resulted in all this loss of money that somebody needs to be responsible for. I trusted that who I was assigned to as my mitigation specialist information had been given was correct and true.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax have a collection agency for XXXX XXXX XXXX XXXXXXXX Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023 This is not my bill will left the apartment during Covid and received housing and utilitilty relief. XXXX XXXX XXXX XXXX XXXX XXXX, IL
Product: Credit card or prepaid card

I got an XXXX card with community capital bank. I spent about {$20.00} at XXXX that day and I paid off my balance I then got hit with a late payment that I had absolutely no idea about and three months later I have a rolling XXXX, XXXX late payment that takes my credit score for a XXXX to a XXXX. I I pay off the entire balance of {$170.00} of interest from a {$20.00} payment and send a goodwill letter to fix my credit and they deny it. Worst credit card company ever unethical and should be illegal to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ Checkr initiated a background check for pre employment for a company that I intend to work. I spoke with someone and was informed that they are waiting for background information from the state of Georgia. I explained to the rep that I have never lived in Georgia and no affiliation to that state. Checkr just completed a background check less than a year ago for the state that I currently reside and Georgia wasnt even listed. I am not sure where they obtained a Georgia address but the information they have is inaccurate. I have reached out to the company twice to no avail. I am seeking a resolution and I insist they remove the erroneous information that they obtained immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I enrolled into the university in XX/XX/2023 with an already approved private ( Sallie Mae ) grad loan based on my credit score and estimate of school costs. I had to notify XXXXXXXX XXXX  on several occasions as to when my loan would be certified and finally was certified and released to XXXX for payment refund on XXXX XX/XX/2023, but the school did not refund/release the funds to me so that I could pay the school tuition/books and fees and to date has not been released from ( XXXXXXXX XXXX  ). I contacted the school advisor ( XXXX XXXX ) and several different financial aid officers on several occasions and was told that since my loan was ready for refund payment but it would not be released until XXXX. I had no other choice than to drop the class and withdraw from the university. I waited on the phone line to drop the course before final payment was due but the line disconnected twice and when I finally was able to reach financial aid they said that I would be given until XXXX XX/XX/XXXX to pay. However, I could not reach any advisor and I had to write an email to XXXX XXXX to fully withdraw me since the school never gave me the Sallie Mae loan to pay and I was told that since I did not reach him until XXXX XX/XX/XXXX that I had to pay for the class. I was then contacted by XXXX  XX/XX/XXXX and asked did I plan on attending my class for the term and I told them that I withdrew from the XXXX  in XX/XX/XXXX. The person on the phone seemed shocked and had XXXX XXXX contact me since he never withdrew me from the XXXX or class. XXXX XXXX finally told me how to properly withdraw and did not backdate. I asked about the refunding of my loan and once again he said that they had to find out how to proceed since it was a private loan. I continue to contact the school and they released {$260.00} and have not paid for the class nor returned the loan. I am already making payments on the loan that XXXX XXXX will not release. I have continued to contact the school but they will not release a loan to me or Sallie Mae. I obtained the loan based on my XXXX XXXX XXXX with no assistance from the school. XXXX XXXX  needs someone to educate them on refunding private grad loans. I really need this resolved as it is not fair that I am paying a loan back that XXXXXXXX XXXX is holding. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I inform you that I am NOT responsible for listed accounts as I have been a victim of Identity theft. 

I have already notified both my local police department and the federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please delete the following accounts from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Best Regards, XXXX XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. Carmax XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of FCRA 611. I contacted the furnishers and I am providing documents directly from the furnishers, XXXX XXXX and XXXX  showing the inaccurate information. I request these inaccurate accounts be removed under FCRA violation as they have already been disputed. I believe Equifax has not been conducting reasonable investigations as the data of these accounts still have been reporting inaccurately on my consumer report. My rights have been violated and I have not received a 100 % accurate consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries are shown below.. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

New and updated information. Transunion has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Transunion continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$670.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in previous messages, I am requesting physical validation from your source that this bankruptcy debt is mine. I do not care for a written statement without proof, this is the second time I have stated this and if you do not provide physical proof you 're in violation of my right and I will be force to seek legal action at this point. 
I am requesting that ALL accounts that is attached to such bankruptcy be deleted and an update credit report mailed.
Product: Mortgage

I went to the bank with my paperwork trying to get a loan for a mortgage. The lady ( XXXX XXXX ) helped me. I went to the class for first-time homebuyers. I gave her my information showing I had taken the class. I found out my paperwork was never processed. She made her own decision to determine I wasn't qualified to purchase a home. She made me pay for a credit bureau report but she held on to my paperwork. I called and asked her to send my paperwork back and she never responded until I sent an email to her supervisor. # XXXX XXXX XXXX AVP Community Lending Specialist XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX, LA XXXX Thank you, XXXX XXXX XXXX, XXXX. 

My name is XXXX XXXX XXXX, XXXX. 
I can be reached at XXXX email : XXXX XXXX
Product: Debt collection

This is a written communication from XXXX XXXX XXXX a consumer which means a natural person pursuant to XXXX U.S.C. XXXX ( XXXX ), I represent myself and there is no third party involved.