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

I am writing to report a serious issue regarding fraudulent and unauthorized credit hard inquiries that have been placed on my credit report with all three major credit bureaus. While XXXX has appropriately removed these inquiries from my account, XXXX and Equifax have failed to do so, despite multiple disputes. These inquiries were not authorized by me, and their continued presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), which governs the permissible purposes for which a consumer report can be obtained. Since these hard inquiries were not authorized, they should not appear on my credit report. I have followed the proper dispute process as outlined in 15 U.S.C. 1681i, yet XXXX and Equifax have not corrected or removed these inaccuracies from my credit report. Their failure to address this issue promptly is not only frustrating but also a potential violation of my rights under the FCRA. Additionally, under 15 U.S.C. 1681n and 1681o, there is a provision for civil liability for willful and negligent noncompliance with the FCRA. I believe that the inaction by XXXX and Equifax in this matter may constitute willful noncompliance, and I am considering pursuing this further if the issue is not resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Inaccurate information that appears on my credit report regarding addresses and accounts that are not mine or have been incorrectly associated with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with Chase Bank USA XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to XXXX, XXXX ( XXXX  ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Product: Debt collection

There was an account in my name through XXXX and about 5 months ago this account was resolved and XXXX put in writing to remove his account from ALL XXXX credit bureaus. XXXX did that and then now a new collection agency decides to try to get a commission check and putit right back on to my report. I spoke with XXXX XXXX on XX/XX/2016 he claimed to be a supervisor but did nothing to look into ths. He just wanted to get me off the phone and transfer the call. It took me a long time to get this resolved and now this bogus company is trying to get a pay check
Product: Checking or savings account

So I contacted Fifth Third and asked for some ways in getting old statements from 2019. I ALSO told them I was NOT receiving my statements monthly. We investigated and found out that Fifth Third did not send my whole statements monthly. Only the first page of the statements. Usually the lady said it's like 6 pages long explaining what was coming in and coming out every month of my account. She said they failed to do something on their end to fix that. So then I spoke to a lady who was very hard to understand. Hardly spoke English I then asked to speak to someone who did speak English she then told me there was no one available. I told her tons of times that i only wanted statements that was not to be charged for research. I kept telling her over and over I wouldn't have to do this is Fifth Third did not fail to send me my full statements. I then was charged XXXX on my account and then I called back to customer support and she said it was for research fees. She also said they was mailed out in XXXX and I have yet to receive them. The point I am trying to make is if they would of made my statements correctly I could of pulled them from my end and my files and I wouldn't of had to call them for help in the first place. So basically I was charged XXXX on my account and I still have not received those documents. I was only wanting the ones that was free so to speak and because this lady spoke not English she did NOT understand that
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX {$6800.00} 3 ) Dept of ED/ XXXX {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Product: Debt collection

the lease document is legitimate. the other document pdf which shows the breakdown of the amounts seems to be a document created just for this purpose. this case went to court. the court documents will show the LEGITIMATE AMOUNTS and final resolution to the matter. that document seems to be manufactured to fit this ridiculous amount. also as you can see, i moved out 2 days at the end of my lease which started on XX/XX/XXXX to XX/XX/XXXX. the document provided appears to be altered as i did not sign a 12month 20day lease. i signed a 12 month ONLY lease. since when have you ever seen a 12 month 20 day lease. that document is altered. i gave the office a verbal and written 30 day notice after they released and violated my privacy by talking to a third party of whom i was looking to add onto my lease without my permission. basically i was looking for a roommate. the property manager harassed my potential roommate and asked if i was even living there. The property manager then told the roommate i was looking into getting personal information on my file without my permission violating my privacy. i then issued the apartment a verbal and written 30 day notice for doing this. i told them that i would move out by the end of my lease period. we went to court and a judge adjudicated the entire case. *they have not provided any court documents that show the amounts. *they have not provided any pictures to show any damage. i took pictures of the entire apartment and i am willing to upload them. the cleaning fee also seems to be a later addition or part of the altered paperwork. * the second document to show the breakdown is not a legal document. it is not even signed, stamped or dated. there is no proof it was ever delivered. it was never presented to court. how can a case be closed on a seemingly photoshopped document.
Product: Credit card or prepaid card

I paid the XXXX XXXX. They keep billing it to me. I have submitted copies from my banking institution and copy from web page showing paid. The store card changed banks and it comes back. I submitted same documents. I have paid this I dont understand their problem.
Product: Credit card

I was billed for merchandise that I did not receive. Initially credit was issued for the charge. Now I have been recharged two times for the merchandise that I did not receive, and the credit card no longer responds or even recognizes my complaint.
Product: Credit card

Dear Sir/Madame, My Capital One Quicksilver card statement of {$42.00} was due on XXXX XXXX. I made the payment on XX/XX/XXXX of {$690.00}, to cover the {$42.00}, {$25.00} late fee and also the upcoming amount of {$620.00} out of good will. I thought Id be OK, but was charged {$11.00} of interest charge unexpectedly. The {$11.00} charge was posted on XXXX XXXX. 3 days AFTER Ive paid for the XXXX statement, not only in full, but in extra. 
For {$42.00} statement two days late, was charged {$11.00} of interest charge, what kind of interest rate is this? 
I spent a lot of time looking at the statements, and found that they charged 26.24 % interest rate based on {$510.00}, which totally does not make sense. I called the credit card company and even asked for the manager, but they refused to correct their mistake. 
I suggest customers look carefully of the tricks on interest rate. I am very frustrated of being ripped off, and wasted all the time calling the credit card and studying the statements. I am attaching the statement from XXXX and XXXX for your information. I really appreciate CFPBs help straighten this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Exeter Finance llc Information is being reported inaccurately and has disputed the report and still appears XXXX balance but reported negative
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inaccurate  reporting showing different dates of last activity, also showing different dates of opening and last dates report on all 3 major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the CRSA enacted XXXX  Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report
Product: Student loan

I am writing to formally demand a detailed explanation regarding the denial of my XXXX XXXX XXXX application received on XX/XX/year>. The letter of denial I received does not provide any explanation or details as to why my request was denied. Specifically, Navients statement mentioned, " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I am requesting a thorough explanation outlining the specific factors and criteria that were considered in reaching this decision. Please provide me with a detailed breakdown of Navient 's decision-making process for evaluating XXXX XXXX XXXX applications, including all relevant policies, guidelines, or criteria applied. 

The evidence submitted with my application unequivocally demonstrates a breach of contract and misconduct by the school, which should have clearly supported my eligibility for discharge. Therefore, I request a reassessment of my application in light of the evidence provided. 

Furthermore, as per my rights under applicable laws and regulations, please provide documentation that definitively establishes XXXX ownership of these loans. This should include proof of purchase, relevant purchase and sale agreements, and a comprehensive list of the loans transferred to Navient as part of each acquisition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX. However, XXXX XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score.  This {$890.00} debt does not exist. It was written off by XXXX XXXX XXXX in XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Please remove these items immediately. This is not a third party filing this.
Product: Debt collection

The company EVERGREEN PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX is violating debt collection by Illegal Debt Collection Practices Under the FDCPA!!! 

They are harassing me and constantly filing debt collection to my credit reporting agencies messing up my credit score and credit on purpose!! They keep filing in different amounts they say that I owe so they can keep sending t!! They KNOW ITS ILLEGAL AND THEY ARE HARASSING ME AND CAUSING ME STRESS!!! 

They have reported the SAME COLLECTION XXXX TIMES TO MY CREDIT AGENCIES IN A JUST A FEW WEEKS THEY KNOW THAT IS ILLEGAL!!!!!!
Product: Credit reporting or other personal consumer reports

HARD INQUIRES REMOVED FOR MY CREDIT REPORT, I also include a negative account that was also removed from my credit. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX  XXXX XXXX XX/XX/year> XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. DEPT OF EDUCATION XXXX # XXXX XXXX. DEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX XXXX XXXX XXXX.DEPT OF EDUCATION XXXX XXXX XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXX. DEPT OF EDUCATION XXXX # XXXX XXXX.DEPT OF EDUCATION XXXX XXXX XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I sent money via western union today. I checked the market from the time I walked from the counter to my vehicle and the exchange rate was much higher than what I was given. When my recipient picked the amount up in the same day it was still much higher. Where is my money going? Why was I not given at any point the exchange rate of today at any point during my transaction. I lost over 110- 115 pesos per us dollar. This is upsetting seeing that my amount of dollars was not small. My western union tracking number is XXXX todays dat is XX/XX/18 and I was given a rate of of XXXXUSD = XXXX after XXXX eastern time. I have been checking the rates online and they have been well over 1USD = XXXX at the time sending and XXXX of pickup and actually even higher at the time sent. I want to know what and where my money is going since Western union is not keeping up to the exchange rate of the day?
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a suspicious email in regard to a paypal transaction. This is not the first time this has happened. I called Paypal to instruct them to close my account. They informed me that there had been restrictions put on my account due to suspected fraudulent activity. They relayed that the only way for me to lift the restriction so that they could close the account was to upload my driver 's license to their site, and allow them to confirm my bank account. I stated to the rep that they wanted me to upload and verify my personal information while someone was trying to hack my account- this does not make any sense. They placed the restriction, they should be able to lift it and close the account immediately. I was able to confirm every " verification code '' that they text to my personal phone, which was used to register the account. I have not used Paypal in the last four ( 4 ) years. I feel that their request for my personal information, when they confirmed someone was trying to hack my account, is unreasonable. I only want the account closed.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX, and I was doing my business through. Beginning of XXXX I was facing problem of buying through this online account. I did my all efforts including approaching XXXX my supplier but all in vain. Then I posted my problem on my XXXX  account and few account holders of my business approached me but they couldn't fix it. 
Then a XXXX XXXX on dated XXXX XXXX XXXX, contacted and he told me to deliver XXXX $ to an account for proxy and I did at XXXXXXXX XXXX XXXX from my mobile. And then at XXXX XXXX XXXX XXXX I received a message from wise bank by email that XXXX $ delivered to same account which I did not deliver even no one asked any XXXX  or any account details. This boy was setting proxy on my account when I asked him about money he started abusive language and disconnected the call. Then wise bank responded my query which I quickly registered and refund my amount after all investigation on XXXX. But unfortunately wise bank took back my amount XXXX $ XXXX $ on XXXX XXXX  without any prior info and emailed me that they are not responsible for this fraud. My humble appeal is that if bank can took back my account money without any prior info, why not a culprit account can be access as he is also using the wise bank for his business purposes. Bank has done all the required details and investigation bout his account already.please help me regarding this illegal approach of my personal business account and grabbing of big amount XXXX $ from my account with out my permission. I am waiting for your kind response
Product: Credit reporting or other personal consumer reports

Experian alleges I've had an account with XXXX XXXX, I've never had any business dealing with this company a day in my life, and they claim it is " accurate ''. Please update my report asap with these accounts removed.
Product: Credit reporting

On XXXX XXXX I sent CMRR ( XXXX ) for debt validation to XXXX XXXX, as I had no idea what this debt was on my Experian report. XXXX XXXX never responded. I disputed with Experian numerous times between XXXX and XXXX. XXXX XXXX XXXX I sent Experian a Certified letter, again, requesting explanation of this debt they 'verified ' ( Certified XXXX ) Experian always comes back as verified. I even called and spoke to a customer service rep for Experian and he was going to look into it. 2 days later, the debt is verified again. I 've written to Experian asking them to show me how they verified, and this has not happened. What is happening is that they are clearing in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX, Eqiufax and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.