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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my Equifax and XXXX Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXXXXXX XXXX, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio )  3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 -  XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 10 -   XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX XXXX   Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX Report Unauthorized Inquires : 1 - XXXX Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. I recently reviewed my credit report and identified several inaccuracies that negatively impact my credit score and affect my ability to refinance my home. 

The specific inaccuracies are as follows : Address : XXXX XXXX  XXXX XXXX XXXX, Fl XXXX It is my only address all others should be removed INQUIRIES : LENDERS There should be XXXXXXXX XXXX XXXXXXXX ( there are multiple ) XXXX  Should be removed ( Lender ) XXXX  XXXX Removed XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX Please remove XX/XX/XXXX Never Applied XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Please removed I don't have a XXXX card and never applied XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove Never Applied XXXX XXXX  XX/XX/XXXX Please remove ( Never applied ) XXXX XXXX Please remove ( never applied don't have a XXXX card ) XXXX  XX/XX/XXXX Please removed XXXX XX/XX/XXXX? Please remove this acct was opened in XXXX I request that you investigate these discrepancies and update my credit report accordingly. I have attached any relevant documentation to support my claim. 

Please confirm receipt of this request and inform me of the steps to address these issues. If the inaccuracies are not corrected promptly, I will have no choice but to consider legal action to protect my rights and financial standing. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccuracies on my credit report. I've noticed discrepancies that lack proper verification, casting doubt on their accuracy. As per legal requirements, I urge you to ensure all reported information meets accuracy standards. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to validate each account 's accuracy and legitimacy. I request evidence for this verification process, including permissible purpose for inquiries. 

I grant a month for investigation. If unable to provide evidence of accuracy and compliance, I request updating erroneous entries to reflect timely payments. Please provide physical proof of actions taken and send an updated report. 

Specifically, the account with XXXX The account has been paid on time consistently, as per 15 USC 1666B . Please correct this error promptly.
Product: Mortgage

Wachovia Bank Wells Forge Bank / XXXX XXXX To Whom It May Concern : I am being told that on XX/XX/XXXX, I closed on a loan with Wells Forge Bank, this loan paid-offed an existing loan with Wachovia. I am requesting all details of that Wachovia loan, such as, 1. When was it originated?

2. What was the total loan amount?

3. Was it a secured or unsecured loan?

I am being told that the loan that closed on XX/XX/XXXX, was paid on time until XXXX, I am requesting details such as, 1. What month in XXXX was the last payment made? 
2. What was the balance at that time in XXXX? 

Because I do not recall applying for a loan in the amount of {$36000.00}, in XX/XX/XXXX, I would like all details about this loan, such as, 1. All loan origination documents signed by me / not the homeowner. 
2. All loan origination documents signed by the homeowner.

3. A full accounting of all Trustee payments remitted to Wells Forgo and XXXX XXXX totaling {$22000.00}. 
4. What does Other Fees represent in the amount of {$5800.00} to be paid to XXXX? 
5. What is a Corporate Advance in the amount of {$4700.00} to be paid to XXXX? 

In closing I would like to say, as confused as I am about how this loan was originated it became even more confusing after I watched The CEO of Wells Forge Bank sitting in a Congressional hearing and admitting that Wells Forge employees due to pressure to open accounts had without customers knowledge created documents and opened accounts. I truly believe I am a victims of those activities. 

Thank You,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that are erroneously listed on my credit report. I have recently reviewed my credit report and found multiple inquiries that i neither authorized nor recognize. These inquiries have adversely affected my credit score, and i request your assistance in resolving this matter. 

the following are the unauthorized inquiries listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i assure you that i have not initiated any transactions or relationships with these institutions that would warrant a credit inquiry. Therefore, i believe these inquiries are the result of an error or potentially fraudulent activity. 

I kindly request the CFPB to investigate these inquiries and remove them from my credit report as soon as possible. This correction is vital to maintaining the accuracy and integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account that show on my credit report are improper use by the 609 laws fair credit report act. should be delete after 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with Citibanks credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised Citibank that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from Citibank to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why Citibank can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).
Product: Credit reporting or other personal consumer reports

CFPB Claim # XXXX submitted on XX/XX/2028 and Experian was unable to investigate and provide full disclosure as required by FCRA.

Accounts with multiples errors, violations, and inaccuracies. 
XXXX XXXX XXXX XXXX Account is repeatedly reporting C/O every month on XXXX, XXXX, XXXX. Re-aging the account is illegal. Account only reporting on Experian. XXXX do not report this account. -DELETE XXXX XXXX XXXX Experian is reporting account as discharged through Bankruptcy XXXX, XXXX, or XXXX. Unclear what type of bankruptcy and inaccurate data because Public Records do not show ANY Bankruptcy accounts on my credit file of Experian, XXXX or XXXX. DELETE XXXX XXXX XXXX Experian is reporting inconsistent payment history across bureaus. Account is reported as no past due balance and late at the same time. Incongruent data. Delete XXXX XXXX XXXX XXXX Double Jeopardy. Account is reported XXXX  times as Charge OFF on my credit file. Missing information about when/if account has been sold. Not reflecting XXXX balance if status is Charge OFF. A canceled debt is gross income and income does not get reported to the consumer report. Form 1099C must be issued. 
XXXX XXXX XXXX XXXX  Experian is reporting account closed and payment history showed is pay on time on XXXX, XXXX Account is missing information as credit limit, past due, and monthly payment. 
XXXX XXXX XXXX Experian is reporting account as Charge OFF, and Write OFF at the same time. Account repeatedly reporting C/O every month. Re-aging the account is illegal. 
XXXX XXXX XXXX Experian is reporting account as Charge OFF, and Write OFF at the same time. Account repeatedly reporting C/O every month. Re-aging the account is illegal.
Product: Debt collection

This is not a duplicate complaint, but is an additional complaint to XXXX with additional documents that are material to my dispute with American Express for continuing to report inaccurate information on me to the 3 major credit bureaus. 

On XX/XX/XXXX, American Express responded to me in a letter in reference to CFPB Ref No XXXX. 

In their reply, American Express stated that they were " obligated to report factual information to the credit reporting agencies. '' The letter to me ( attached ) noted that the company, American Express, received a payment of {$530.00} on XX/XX/XXXX and that my account status was " updated on XX/XX/XXXX. This payment reflected our agreed upon settlement. ( see attached ). 

It has been 5 moments, since this payment was submitted, processed and cleared. And over 4 months since I received their notice that the credit reporting agencies have been notified. After several disputes initiated by me to ask for incorrect reporting re this matter to be updated, based on our agreement and their letter, American Express has either incorrectly reported a balance of {$810.00} to all 3 major credit bureaus, even though their reply to CFPB states " your account statuses were updated ... '' and " settled the account/s as agreed upon.. '' The letter was signed by " XXXX XXXX '' , Customer Advocate Services Team '' on XX/XX/XXXX. 

In XXXX, American Express reported a net income of approximately $ XXXX. I can not understand why they would violate an agreement we had, accept my payment of {$530.00} as settlement and still report that I owe them a balance. By their own admission they have reported inaccurate information in spite of telling CFPB the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive alert on my XXXX XXXX portal that XXXX XXXX XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit twice and there is XXXX hard inquiries on my credit report with Transunion , XXXX  and XXXX. 
Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? 
There should only be XXXX inquiry from XXXX XXXX XXXX not XXXX inquiries. 
XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. 
She is a excellent Military Veterans supporter and very experienced in credit matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of Negative Credit Score Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative credit score entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : Bank of America Date of Late Payment : XXXX Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to Bank of America I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my credit score has been negatively impacted. 

Resolution Attempts : Upon realizing the issue, I immediately contacted the customer support department of Bank of America to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with Bank of America regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX I was assessed a late fee the day after paying off my account. 

XXXX? We made a purchase at Lowes. 

XX/XX/XXXX I received my statement showing {$55.00} due XXXX XX/XX/XXXX I received a notice that my payment was past due. I called and they did remove the fee from the account balance, but did not remove it from the minimum due. There was {$44.00} due XXXX of which {$28.00} was the late fee. Even though they waived the fee, they told me I still had to pay the late fee. When I asked the collections manager to explain their payment allocation, he could only tell me it was applied to the balance. He could not explain to in what order it is applied to principal interest and fee. I feel this is the banks way of waiving an assessed fee yet still profiting from it by not removing it from the payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries appear on my credit report today, and I have no idea how they got there. My usual credit check showed sudden discrepancies that didnt go away, even after refreshing the page. I urgently ask that you carefully examine the documents Ive sent to resolve this issue once and for all.
Product: Student loan

I took a {$500.00} loan from Minto money and so far I payed almost a XXXX dollars, they increased the apr and apparently I owe them another XXXX which is insane to repay XXXX  for XXXX.in addition to that I wanted to pay it over 18 months so I pay almost XXXX a month, theyre still asking for money and its a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 46 years, I had been a customer of XXXX XXXX for vehicle insurance. Last year my rates spiked. I switched to XXXX and they were cut in half. The result of the uncoupling was that my home insurance almost doubled at XXXX XXXX. My XXXX XXXX agent recommended that I add an old vehicle to my account. I did, a XXXX XXXX XXXX XXXX XXXX. I asked for liability only and was quoted {$1000.00} annual! I responded that driving costs had really gone up and the agent said that it was because I had reported 4 accidents in 5 years. 3 of those accidents on my Lexis Nexis report were for a vehicle that I sold XXXX, a XXXX XXXX XXXX. The first accident was XX/XX/XXXX with a XXXX collision claim. The second accident was XX/XX/XXXX with a XXXX collision claim, and the last was XX/XX/XXXX with a XXXX claim for physical/property damage. The claim that I own was a hit and run complaint that I filed with the XXXX County Police. This was for my XXXX XXXX XXXX. I called Lexis Nexis and they refused to provide me any info over the phone, instead referring me to something called the XXXX XXXX. They were supposed to call me within 24 to 48 hours. They have yet to call and it has been 72 hours. I asked what would happen if I was not available to answer the phone and they said a message would not be left and that the process would start all over again. I would have to initiate that process. I know today that I am being overcharged for insurance and that Lexis Nexis has too much power, is too opaque about how they operate, and has no interest in addressing consumer concerns.
Product: Credit reporting or other personal consumer reports

Im a victim of Identity theft in about XXXX dollars. Got a 30 day late from the reason being. On XX/XX/year> I looked at my credit report and noticed some inaccuracies. I sent a letter to XXXX XX/XX/year> asking them to investigate these accounts XXXX Wells Fargo According to 15 USC 1i ( 5 ) I see it states that after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not investigate and violated my right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and Equifax. I am disputing all of the information due to be incomplete and inaccurate. 

The Address : XXXX XXXX XXXX XXXX XXXX MA XXXX is inaccurate/fraudulent.
Product: Payday loan, title loan, or personal loan

I applied for a payday advance loan in person at speedy cash. I never was given the full loan payment term to pay back the loans that i requested. I was always charged XXXX dollars in late fees when i wasnt late to my checking account the loans were always to my account before the due dates and after the due dates. 
Speedy cash charged me for XXXX payday loans amounting at XXXX XXXX and XXXX dollars i contacted customer service through email regarding the errors XXXX XXXX did not respond to my emails. XXXX XXXX  continued to charge my clear access bank account with wells fargo numerous amounts of times overdrawing my account over XXXX XXXX and XXXX dollars i receive ssi payments from the social security XXXX and am exempt from having payday loans default when they were paid residing in california the law states a loan company can not advance more than XXXX loan at the same time which XXXX XXXX violated that law and my rights as a consumer XXXX exempt from having charges sent to collections also this affects my XXXX XXXX however the amount of loans i took out and paid back were not reported to the credit bureaus like it stated to raise my XXXX XXXX either. My XXXX XXXX dropped XXXX  XXXX charged me for a loan in XXXX XXXX in error and refused to correct their mistake which i ended up having to pay in full to cure my checking account negative balance. My account was charged the loans were removed from my XXXX XXXX  profile but i have screenshots of the errors that now seem to not exist. i called the XXXX number and was told by the automated system they have no record of my account ever existing with XXXX XXXX. I need my money refunded including late fee charges i was charged in error and my accurate payments to be reported to the credit bureaus honestly and those defaults removed from my credit report and also i do not consent to an unknown collection agency having my personal infornation nor was i ever served a court order for the money to be removed out of my account either.