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

On XX/XX/XXXX I submitted complaint # XXXX. Equifax has began an reinvestigation but has ignored one of the incorrect accounts. They have ignored XXXX account # XXXX. Please see original letter below from complaint # XXXX XXXX. 


I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX 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 respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize inquiries, neither I authorized any of listed bellow. 
I requested my writ authorization from the companies and have not received any correspondence in that regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Subject : Dispute Regarding Lack of Written Consent Pursuant to 15 USC 1681 [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Ohio, XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, Utah, XXXX ] Account Number XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. Pursuant to 15 USC 1681, I never provided written consent for your agency to furnish my information to third parties or obtain my information for inclusion in your credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), it is my right to be informed and give explicit written consent before any of my personal information is shared or used for credit reporting purposes. However, I have no record of granting such consent to your agency. 

In light of this, I request that you promptly investigate this matter and provide documentation verifying that you obtained written consent from me to furnish and obtain my information as required by law. Additionally, I request that you cease reporting any information about me until this matter is resolved in accordance with the FCRA. 

Please provide a written response detailing the results of your investigation and any actions taken to rectify this issue within 30 days of receiving this letter, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

I am responding to a letter I recieved in the mail indicating that I owe a fee of {$1500.00} for a vehicle of which I do not own any longer.The letter was sent out to me on XX/XX/2016. I have not been the owner of this vehicle as of XX/XX/2016 as the vehicle was repossessed. I have paid all fines and tickets pertaining to the vehicle while it was in my possession. I am not obligated to pay the stated amount in any form or fashion. This response is an attempt to debunk this claim of debt. I would like to know why I recieved such a letter.
Product: Credit reporting or other personal consumer reports

I signed up for an online fitness program from a company named XXXX, during the signup process the person said sign here check here, initial. I never told them I was unable to pay or I needed a payment plan, I was very clear I was more than capable of paying. But I was unable to start as the medication I just started made me dizzy. I informed them and I told them I could not start. They said we are sorry to see you go. Then I got messages and texts one after the other saying your XXXX loan was past due, at the same time I got a credit alert saying my credit score went down, my credit score for the last 15 years had been mid XXXX, and it had gone down to XXXX, it said unpaid loan to XXXX, that was due for XXXX company. I called XXXX, and every time they said don't worry this is a scam, will correct it, I same answer, but the customer care calls, were, from, XXXX, the XXXX, and all over the world, but the answer was pretty similar, this is a scam, we are sorry. But now they say I am responsible, as the XXXX company rules and they can not do anything. There are so many complaints and legal actions taken by consumers, there is a class action lawsuit by shareholders, but they just don't care. They just ruin innocent people 's lives, it took me so much effort and hard work to have an XXXX credit score. You are there to protect the consumer.I hope you look into the matter. 

" As of XX/XX/XXXX, XXXX was the lead counsel in a securities class action lawsuit against XXXX XXXX XXXX XXXX ( XXXX ). The lawsuit, filed in the United States XXXX XXXX for XXXX XXXX XXXX XXXX California, claims that Affirm misled investors about the risks and benefits of its services, as well as its compliance with consumer protection laws. The lawsuit was filed on behalf of people who purchased XXXX securities between XX/XX/XXXX and XX/XX/XXXX. The lawsuit also claims that XXXX 's public statements were false and misleading, and that the company was exposed to a higher risk of regulatory scrutiny ''
Product: Payday loan, title loan, or personal loan

In XX/XX/2017 a {$500.00} loan was issued. After a year 's worth of payments they continued to draft my account on an irregular basis resulting in " missed '' payments. I received no notification of correspondence from XXXX XXXX at this time. The loan should have been satisfied. Only to find out that their over the top and illegal in my state interest rates sky rocked my loan from {$500.00} to over {$1200.00}. They then sent fraudulent garnishment paperwork. Today I received a call from a woman attempting to collect for them stating there was a garnishment and when asked for the civil court number she became abusive and hung up. I took calling back 17 times of repeated verbal abuse, long holds, and multiple transfers to get them to admit that there was in fact no garnishment or attempt to gain one through the courts. Their practices are misleading, illegal, and abusive. From research I've learned that XXXX XXXX XXXX has recently and repeatedly been int rouble with the FTC regarding these practices. It's time to shut these people down.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX have furnished my information to NELNET ( Department of Education ), which violates my rights as the consumer. 
The Department of Education/NELNET has violated there right as per the Family Educational Rights and Privacy act ( FERPA ) : is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. Nelnet , Inc., is a United Statesbased conglomerate that primary focused on financial services including student and consumer loan origination and servicing. That being said, I did not give written, unwritten, verbal, non verbal permission for XXXX, XXXX, and XXXX to Department of Education/NELNET to furnish my information. I am having it revoked immediately.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 20 USC 1232g ( b ) - Family educational and privacy rights " ( II ) the officials and authorities to whom such information is disclosed certify in writing to the educational agency or institution that the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of the student. '' Violation of my right 15 U.S. Code 1681- Congressional findings and statement of purpose " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

" ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 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
Product: Credit card or prepaid card

The credit card company has reported 3 late payments on my account from XX/XX/XXXX - XX/XX/XXXX, when I had supposedly been on autopay. My account has no further errors and always remains in great standing.
Product: Credit reporting

I contacted the credit bureau to let them know that my credit had been ran without my knowledge or permission. I was told to contact each company to dispute these actions. I did that with no response or action.
Product: Credit reporting or other personal consumer reports

This credit agency has repeatedly violated my rights as a consumer. I, AGAIN, have never given this company written or verbal permission to report any information on my consumer report. This violates code 15 USC 1681b ( 2 ) which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. 15 USC 1681 section 604 ( a ) ( 2 ) states I have a right to privacy and because certain information is being reported, it is harming my ability to provide housing for my family. Lastly, 15 USC 1681a ( 2 ) ( a ) states " the term consumer report does not include ; report containing information solely as to transactions or experiences between the consumer and the person making the report ''. This means that late payments, collections, chargeoff accounts are not to be listed on the report as those are experiences and transactions between the consumer and the person. I personally do not care about what a company verifies because all documents can be falsified. With that being said, the following adjustments need to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violation code : 15 USC 1681a, 15 USC 1681b ( 2 ), and 15 USC 1681 section 604 ( a ) ( 2 ) ).

There are also inquiries that are reporting on my report that I did not authorize. If there is no document or contract that has my WET signature, I am requesting that it be removed immediately. As a matter of fact, I demand that this company shows I submitted a document giving them authority and/or consent to report any of these listed accounts on my consumer report. If no document exists, I need these accounts gone. Keep in mind that ultimately, this is a violation to my RIGHTS TO PRIVACY. If these accounts are not corrected, someone will be held accountable. Lastly, contacting the data furnisher is NOT verifying or making sure the information is accurate. Please do your job and reinvestigate my records according to the law. My next course of action will be to file suit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX XXXX and Equifax are not updated. 
2. XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because credit karma did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have recently received a copy of my credit report and found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send copies of the documents that you have in your files as of this date that used to verify the accuracy of the accounts listed below. 





Account Name : XXXXXXXX XXXX XXXX Amount : {$6700.00} Account # : XXXX Dispute Reasons : Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately Account Name : XXXX XXXX XXXX Amount : {$110.00} Account # : Dispute Reasons : Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX, and XXXX on XX/XX/XXXX. It's been well over 30 days and I have not received a response to remove the following credit inquiries from my credit report. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Equifax, XXXX, and XXXX have 30 days to respond to my dispute. 

Please investigate and remove these inquiries from my credit report. 


XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken several steps to remove inquires that I do not recognize from my TransUnion credit report. I have sent multiple letters & have made multiple phone calls. I have last spoken today with a representative by the name of XXXX XXXX from TransUnion & he told me that he can not help remove the fraudulent inquires that are on my credit account within his Company, even though I am a victim of fraud. I would like for this issue to be resolved. Being a victim of this fraudulent matter is devastating to me & the future of my credit health
Product: Mortgage

Hello, I have been attempting to work with Dovenmuehle regarding the arbitrary increase to my escrow payment. My property taxes are roughly {$11000.00} a year and Dovenmuehle is attempting to raise my mortgage payment by nearly {$600.00} ( {$3300.00} total with {$2000.00} to an escrow account ) to cover a shortage that is expected in XXXX, XXXXI have asked repeatedly to simply make the shortage payment as opposed to paying an extra {$600.00} per month, but they refuse to honor this option. Dovenmuehle Is attempting to take roughly {$24000.00} a year to cover a tax bill of roughly {$11000.00}, PMI of {$3500.00} and home owners of {$2000.00}, which results in Dovenmuehle maintains a {$7500.00} surplus in the escrow account. The reviews of this firm are absolutely horrendous and I never consented to XXXX XXXX Bank spinning my loan off to Dovenmuehle. I am trying to XXXX options before my new payment is due on XX/XX/2022. I have never missed any debt payment and fear this will bring unnecessary financial hardship. Thank you for support.
Product: Credit card

I have made numerous attempts to make my monthly payment on a closed XXXXXXXX XXXX account , the website no longer exists and Citibank, the accented voice on the phone, does not have access to the old XXXX XXXXXXXX account information. Plus, I do not have a XXXXCitibank card as the account was cancelled and in pay-off status. 

I have called the Citibank number a number of times as Citibank now has the XXXX 's credit card accounts. But, they only have the Citibank information, not the information from the old XXXX XXXX accounts. Plus, they wanted items like the name on the card for verification ; it is a cancelled account and the card was destroyed and I have moved and changed my phone number. I do have an previous XXXX 's statement as verification for the account, but it was under the old XXXX XXXX account and I could not use that to verify the old account and get a logon for the new XXXXCitibank website to make a payment . 

On one a call accented voice then said I could give him my debit card number to make a payment. I ended the conversation as how could the individual requesting my debit card information credit a payment to the new XXXXCitibank account if Citibank did not have any information on my XXXX/Citibank account and I could not log onto their website and make a payment?
Product: Credit card

Wells Fargo has reproted the card lost and stolen twice and yet the charges persist. According to them the card id not attached to other digital wallets.