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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a my Complaints # XXXX, XXXX, XXXX on XX/XX/XXXX but I discovered that you have closed my complaint on the same day. I am resubmitting my complaint to you to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item not later than 4 business days. Here is the list of erroneous items found 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please delete the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was pre-approved for a mortgage by Wells Fargo branch in XXXX, TX, in XX/XX/2019. During the pre-approval process, I submitted all required documents. In XXXX, I signed a contract to purchase a house. After signing the contract, I applied for the mortgage. However, Wells Fargo did not approve or reject my application until the closing date was over and I lost the contract. Since my job, income, residency status, etc were as same as when I was pre-approved, I assume Wells Fargo misleading information about their capability to give me the mortgage caused a very stressful time in my life. 

During one month before closing date, they were saying that they were processing my application. However, as we were approaching the closing date, There was lack of communication between Wells Fargo and myself and my realtor. By wasting time, I lost the chance of applying to other lenders, and it caused me financial loss. 

I still do not know what my application status is. My application page says that I should contact XXXX XXXX XXXX, the mortgage consultant who pre-approved me for the mortgage. However, each time I contact him, He says he does not have an answer. I am also not aware that why Wells Fargo were very slow in processing my application. 

I paid the upfront fee for appraisal once I applied for the mortgage. Wells Fargo still have the money after one month and a half after my application, and they have not returned my money back to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a consumer credit transaction with BMO Harris Bank on XX/XX/18. I issued BMO Harris Bank my social security card, which is a credit card pursuant to 15 USC 1602l, and it is also an open-end credit plan pursuant to 18 USC 8 . When I issued BMO Harris Bank my open-end credit plan it paid the finance charge in full. Pursuant to 15 USC 1605 the Finance charge is the sum of all charges and can not be paid with comparable cash. BMO Harris Bank had me remitting payments to them even though the alleged debt was already paid for in full and this is in violation of 15 USC 1605. They also didn't disclose to me my right to a recession within the auto contract, which is another violation of the XXXX and XXXX XXXX. They are liable both Criminally and civilly pursuant to 15 USC 1611 and 15 USC 1640. They also harmed my reputation by putting this on my credit report and are in violation of 15 USC 1692d ( 1 ). They are in violation of 15 USC 1692e ( 10 ) by trying to collect on this false and misleading account knowing that the alleged debt has been paid in full already. Then they violated 15 USC 1692 f ( 8 ) by having their logo on an envelope they sent me, which is an unfair practice. They violated 15 USC 1692j by furnishing these false and deceptive forms making me believe that I owed thisallegeddebt.
Product: Debt collection

XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my business ' account last month. They stated since the account was closed neither my business 'Millennium ' or PayPal has any information regarding our transactions. They will not send us any statements, ledgers, transaction history of our account. They claim they're not required to keep any type of transaction history once an account is closed. We believe there was an account balance, but again we can't get any information from PayPal. 

Per our attorney and CPA, PayPal is required to retain transaction history for up to five years. How do we get PayPal to abide by the law before we have to file a petition in federal court? 

All conversations have been recorded on our end and may be transcribed and uploaded upon request.
Product: Debt collection

I have contact them severals time in regards to providing me validation of this debt. The will not respond.
Product: Debt collection

LVNV Funding LLC is saying I owe them {$760.00}. This is fraudulent inquiry on my Credit Report. I dont know this company and I never heard of this company. I did not had any service or spoke to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove an delete all inaccurate information on my credit report with transunion. checking my file ive noticed alot of errors that is causing alot of denials. please review the data submitted to delete an clear all information added asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see a lot of theses inquiries are on the same day i have no association with any of these accounts
Product: Debt collection

I have been hit with a derogatory mark on my credit report by a company called Transworld Systems I. On the report i received from XXXX XXXX it states that the account was opened on XX/XX/2023 with XXXX and was last reported on XX/XX/2023. 

I currently have XXXX and my account is up to date. I have had XXXX since XXXX of 2023. We established an account with XXXX after i experienced harassment and and identity theft from an ex friend. The individual XXXX XXXX compromised my cell phone from XXXX along with used my personal information to obtain credit cards as well as hacked all of my emails and personal accounts. 

I '' m not sure why I am receiving a ping on my credit. There has been no written notification sent to my home address. I attempted to dispute the collection on XXXX but when doing so XXXX says there is nothing to dispute despite showing the derogatory mark. Also there is no information on how to contact the company.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Address : XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Consumer Phone : XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : 1. Credence Resource Management Account Number : XXXX, Balance : {$530.00}, Original Creditor : XXXX XXXX XXXX Reported : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$220.00}, Original Creditor : XXXX, Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$580.00}, Original Creditor : XXXX XXXX XXXX  XXXX, Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$200.00}, Original Creditor : XXXX XXXX XXXX, Reported : XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX XXXX, Reported : XX/XX/year>. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to XXXX and Equifax credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

Trying to figure out how to get insurance check endorsed. When I call your XXXX XXXX XXXX I get disconnected and get no help. My house is damaged and I need the funds to repair it.
Product: Debt collection

XXXX XXXX attempts to contact me regarding a debt that has been paid off already I spoke to sprint and they have notified XXXX XXXX that they do not have collection authority. I have proof that the debt has been paid already. I would like XXXX XXXX  removed from my credit report and all attempts to collect this debt to cease.
Product: Credit reporting or other personal consumer reports

I filed numerous disputes through experian and and once through cfpb and experian is not abiding by the law or respecting my rights as a consumer to opt out of them reporting. Instead of deleting my report they keep updating my personal information that I did not consent on. They are at this point breaking the law because Ive notified them several times to stop reporting. 12 CFR 1016.7 STATES THAT " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME. '' I AM OPTING OUT OF YOUR REPORTING SERVICES IMMEDIATELY. 
I, XXXX XXXX, attest that I am a victim of severe trafficking in persons. 
CRA NOTICE OF LAW UNDER REGULATION V Under Regulation V 1022.142 ( c ), it is clear that a consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of trafficking in persons if the consumer has provided trafficking documentation to the consumer reporting agency.

It is also pertinent to note that pursuant to 12 CFR 1022.142 ( e ) ( 4 ), CRAs are expressly prohibited from questioning the validity of the victim 's determination letter and may not decline to block or rescind any block of adverse information identified by the consumer or their representative based on the validity of the facts or circumstances detailed in the contents of the submitted trafficking documentation under 1022.142 ( b ) ( 6 ). In light of this regulation, I kindly request that you promptly take action to block the adverse information that is currently included in my consumer report.
Product: Checking or savings account

I have filed multiple complaints before with wells fargo and the overdraft fees. From XXXX wells fargo was rejecting payments to charge my account the max of overdraft charges allowed per day. This was a reoccurring issue that I have complained about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to numerous federal violations of the FCRA. Specially, 15 USC 1681g ( a ) ( 5 ) which states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

There are numerous fraudulent inquiries reporting on my credit report that I did not authorize nor give my permission to apply for any credit in my name. I have written to the credit bureau, filed an FTC report ( REPORT # XXXX ), called the bureau numerous times without success in removing these fraudulent inquiries. More than 30 days have elapsed since I have written to the credit bureau and these inquiries MUST be deleted immediately. Additionally, since the credit bureau continues to violate my rights as a consumer, my rights to privacy and numerous violations of the FCRA including 15 USC 1681g ( a ) ( 5 ), the bureau is liable to me at a {$1000.00} for each continued violation. I AM ALSO IMPACTED BY THE EQUIFAX DATA BREACH AS A VICTIM. 

I DEMAND THAT THESE FRAUDULENT INQUIRIES ARE REMOVED IMMEDIATELY AND MY FEDERAL RIGHTS CEASE TO BE VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on my 3rd leasing contract with Honda Financial Services. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ),  XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from Honda stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when Honda has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by Honda Financial Services to be investigated and be reversed.