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

Dear Equifax, I am writing to dispute several hard inquiries that have appeared on my credit report, which I obtained on XX/XX/2023, upon reviewing my credit report, I noticed the following inquiries that I believe are incorrect and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX  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 have not applied for any credit with the aforementioned entities, nor have I authorized them to access my credit information. These inquiries are inaccurately reflecting on my credit report and may negatively impact my creditworthiness.

I understand that hard inquiries may be generated when applying for credit, but these specific inquiries are erroneous and should not be associated with my credit profile. I have taken the necessary precautions to protect my personal information and have not engaged in any activities that would warrant these inquiries. 
In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I kindly request that Equifax conducts a thorough investigation into these inquiries and provides me with a prompt response. I am seeking the removal of these unauthorized hard inquiries from my credit report, as they are impacting my credit score and financial reputation. 
To assist in the investigation, I have enclosed copies of my credit report highlighting the disputed inquiries. Please review the provided documentation and take the appropriate steps to rectify this situation. I request that you contact the aforementioned entities to confirm the validity of these inquiries and promptly update my credit report accordingly. 
Additionally, I request that Equifax provides me with a written explanation of the investigation results, as required by FCRA Section 611 ( a ) ( 2 ). Furthermore, in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ), I request that Equifax provides me with a revised copy of my credit report reflecting the removal of the disputed inquiries. 
It is crucial that this matter is resolved expeditiously, as it may affect my ability to secure credit or obtain favorable terms in the future. 
Please ensure that all future communications regarding this dispute are in writing to maintain a clear record of our correspondence. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution of this dispute. Should you require any further information or documentation from my end, please do not hesitate to contact me. 
Sincerely, XXXX
Product: Bank account or service

Dear Consumer Financial Protection, Approximately around two months ago, I opened a checking account with SunTrust Bank in XXXX, GA. After shopping around, I decided to go with SunTrust as they had a good reputation and I like the products they offered. I opened a checking account and decided to get the SunTrust XXXX XXXX Debit Card. I was told that as long as I have deposits of at least {$2000.00} per month, I would not see any monthly services fees. I noticed fees in the past couple months from SunTrust. XXXX was a {$75.00} fee and the other was {$25.00} each. After questioning the bank, I had the {$25.00} fee refunded and was explained that the {$75.00} fee was a XXXX time fee for the XXXX Debit Card. A couple weeks later, I noticed another {$25.00} fee and when I went to the bank to question it, I was told that this was a maintenance fee because I have Signature Advantage Account which requires a daily balance of {$25000.00}. I was then informed that the Select Checking was the account that I should have gotten where the fees were waived for having the the {$2000.00} deposits per month. I was informed I would loose my XXXX Debit Card if I switched. I believe this to be unfair as I was n't told about these fees and the reason I chose SunTrust to begin with was the XXXX feature. I ask that the CFPB please advocate on my behalf so that SunTrust and I can come to an reasonable agreement.
Product: Debt collection

Midwest Recovery Systems reported a collection debt to my XXXX Credit file on XX/XX/XXXX for {$300.00} medical bill. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX monitoring service, I was told this was a medical office debt with XXXX XXXX for XX/XX/XXXX and that the debt was sold from another collection agency ( XXXX or XXXX? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX. This caused my credit score to drop XXXX points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. If the debt was originally occurred XX/XX/XXXX then it would make the debt 6 1/2 years ( six and half years ) old now which I knew nothing about. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

The week of XX/XX/XXXX, multiple charges were cleared in my account while my account was negative. The multiple charges caused {$35.00} overdraft fees. The bank approved charges because they can process the additional fee for overdraft.
Product: Credit card or prepaid card

I filled for unemployment for the very first time in my life in XXXX during the pandemic .I was receiving my benefits at first it was around {$8300.00} total I have my bank statements from Bank of America where it shows my ending balance. When it was time for me to do my taxes on XXXX i received my 1099G stating i had received {$16000.00} which i never saw in my Bank account i contacted XXXX and the verified that they indeed transferred all that money but The bank never applied it all to my account the same thing happened in XXXX when i received my 1099G it said i had gotten {$10.00}. bit i only received around {$4000.00} so i don't know what i should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their was a hard hit on my credit by Venmo/sync. 
I never applied for a credit card with them and do not understand why this is on my inquiries
Product: Vehicle loan or lease

Capital One Auto marked me 30 days late on XX/XX/2017 and I have been trying to fight this for months. I have still yet to receive any help. I had this account for about 6 years and I never made a late payment.
Product: Debt collection

I enrolled my XXXX dogs in XXXX program three years ago based on information given me by their salesperson. When I realized that the program was not all they claimed to be and other charges were being charged in addition to the monthly subscription, I cancelled the membership. XXXX billed me and reported my account to the credit reporting agencies. After I disputed the charges, XXXX removed all negative information from my files and cancelled the debt. Now, IC System, a junk debt buyer, is trying to re-open the debt and is attempting to collect from me. I am reporting this IS System firm and its attempts to collect a junk debt as fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 


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

In a previous communication, I specifically requested that Early Warning update my information to accurately reflect that all of my checking accounts, including those that have been closed and those displaying account abuse, should be classified as " Discharged through Bankruptcy. '' This request was made in light of the fact that all such accounts have been officially resolved through the bankruptcy process. 

Recently, during a phone call with a customer service representative, I sought clarification on why these accounts continue to be reported despite their XXXX  XXXX discharge. The primary purpose of organizations like Early Warning and the XXXX XXXX is to serve as a warning to other financial institutions regarding negative account behaviors. If this is indeed the case, it logically follows that any accounts discharged through bankruptcy should no longer be part of these reporting systems. Therefore, I believe that the continued reporting of these accounts places Early Warning in violation of California bankruptcy law. 

Moreover, I would like to highlight a critical point : during a recent communication with XXXX, they confirmed that they have no records of the accounts referenced in my complaint. This raises an important question : Why is Early Warning reporting an account that XXXX does not even acknowledge in its records? Is Early Warning potentially violating XXXX different consumer protection laws? Or could it be the case that they have simply not updated their records to reflect the current status of my accounts? Given these concerns, I am contemplating seeking legal counsel within the next XXXX to 60 days to explore my options. 

XXXX XXXX  XXXX in questions : XXXX and XXXX In conclusion, I am formally requesting the immediate deletion of these accounts from your records. Additionally, I kindly ask that you send an updated report reflecting these changes to my address on file. Thank you for your timely attention to this matter.
Product: Student loan

This account is reporting late as reported in my XXXX and XXXX  Credit Bureaus. This was transferred to another lender so why is it acquiring late fees? Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please do so and remove the defamatory information you are currently reporting.
Product: Mortgage

Ive always paid on my mortgage every other week for 16-17 years. Now mortgage company has misapplied payments to other places outside my monthly mortgage payment ; charged late fees; threatened to report to credit bureau agencies; charged me for condo insurance which Ive already supplied them with. No audit review ; Nothing. Ive even faxed them a list of all payments made to them since the beginning of the year. I am more than happy to forward the faxes sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for NAVIENT. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still  reporting? Also, wasn't Navient  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
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 XXXX Account Numbe XXXX Account Name : XXXX XXXX Bankruptcy Account Numbe XXXX Account Name : XXXX XXXX Bankruptcy Account Numbe XXXX and list of Inquiries. 

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 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.
Product: Credit card or prepaid card

Capitol One bank has reported incorrect account on my credit report. Account was removed but XXXX  unblocked my credit file and allowed Capitol One to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from Capitol One. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX  refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Im filing a formal complaint regarding the inaccurate information being reported by Experian on my credit report. Despite my repeated efforts to dispute and resolve these errors, they remain uncorrected, unfairly damaging my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of reported information, and any disputed, unverifiable data must be removed. I have already submitted all necessary documentation to support my dispute, yet the inaccuracies persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to try to talk with experian several times about my report that it is inaccurate, shows a lot of wrong information, wrong middle names and last names, inaccurate loan balances, inaccurate payment history, i have a credit card ( XXXX XXXX XXXX, this is fraudulent account ) also XXXX XXXX this one has fraudalent activities. when I try to pull a credit report from ANNUAL CREDIT REPORT, keep saying that Experian has a security lock or not enough information on my files, when I called Experian they keep saying that I don't have any security freeze and they do have my correct file, this is driving me crazy, I already told them that I will get a lawyer or will open a claim with the State, this is making me sick, I need a solution for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been billed for a Premium credit monitoring service provided by Experian at {$27.00} a month for the past 3-months. I have not used the services and was unaware of the charges. When I called Experian to question the billing and request a refund for the past 3-months, I was told they would only grant 2-months refund. I want all 3-months refunded to my bank account. Additionally, I want the service canceled. 

I am having a difficult time financially due to COVID-19 and it is unfair for Experian to take advantage of consumers during this time. As I have stated, I was not aware of the premium service, did not authorize these charges, and have not used the service. I ordered a basic service from them previously with my bank card. Experian used that bank card to bill me each month without my consent or knowledge. 

Sincerely, XXXX XXXX Experian Membership No.XXXX
Product: Checking or savings account

Can not recall all date but there has been times Ive had money for something, spent it and it didnt take it out but I end up getting hit with a fee later knowing I had the money. Navy federal has recently been sued for this and I was trying to find out if Im eligible for compensation from them. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX, I submitted my PSFL Limited Waiver. I received confirmation from Mohela that they have considered my previous unaccounted-for payments to the PSLF program on XX/XX/XXXX. Upon review, I saw that Mohela had made an error. It ended my employment with the XXXX XXXX on XX/XX/XXXX. However, XXXX XXXX is still my current employer. I called Mohela twice and was on hold for multiple hours with XXXX response from an agent. I submitted a request for correction via their secure messaging as well. Finally, on XX/XX/XXXX, I submitted a fax requesting them to correct the stated error. I sent them the supporting documents with my fax as well. I have yet to receive a response from Mohela, and the deadline for the PSLF limit waiver is Monday, XX/XX/XXXX.
Product: Credit reporting

The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled.
Product: Vehicle loan or lease

Hello, I sent the the check for paying off the lease on XX/XX/2021, more than 4 months have passed I still do not have my title on the car. I called the Hyundai Motor Finance company several times, every time I called them, they gave me misinformation. Whenever I asked for the last name, direct phone number or extension number or email address of the person, they did not provide those information. On XX/XX/2021 I spoke to their representative in their title department, I was told that the title was released to my mailing address on XX/XX/2021, I told her I did not received the title, I asked her if you can please mail it to me through a certified mail, I offered I will pay for the postage cost, she said she can not do that. She suggested for me to send sent a written request along with a DMV fee for a duplicate title to their address. On XX/XX/2021, I sent what she requested through USPS next day delivery. On XX/XX/2021, I spoke to their supervisor, he said they still has not received the mail that I sent on XX/XX/2021. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I contacted Sterling Talent Solutions in an effort to understand what information on a background check they provided to XXXX   caused XXXX to disengage me from their platform. On XX/XX/2018, Sterling responded, requesting personal information from me so that they would be able to retrieve a copy of this report. I provided them with the information requested, and have attached a copy of the e-mails I sent to them. I also attached a copy of my California driver 's license. 

Sterling seemingly found the information sufficient so as to release a copy of the report to me. The envelope arrive yesterday, XX/XX/2018. To my surprise, Sterling had not sent me a copy of MY report ; instead, I found a copy of another driver 's confidential background check ( copy attached ). 

I have reached out to both XXXX and Sterling to make them aware of this breach of the other person 's private information and confidentiality.