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

I am writing to follow up regarding the negative accounts and inquiries listed on my credit report. I request the immediate removal of these inaccuracies to rectify my credit profile. 

Upon careful review, I have determined that these entries are inaccurate and unjustly impacting my credit score. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing evidence to support my claims. However, despite my efforts, these negative accounts and inquiries persist on my credit report. 

This situation has caused undue stress and hardship, as it affects my ability to secure loans, obtain favorable interest rates, and achieve other financial goals. Therefore, I am seeking the intervention to ensure the prompt removal of these inaccuracies from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question ( XXXX XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Product: Debt collection

AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.
Product: Credit reporting or other personal consumer reports

I'm writing this because ive never been late nor missed a payment yet my credit reflects differently. I've mailed docs in XX/XX/XXXX and havent received a response from your company. I'm getting ready to seek litigation and I want to resolve this matter before I do. 



Case XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. Since you have found any proof, then update it to " paid as agreed, never late 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been harassed by Francy Law firm for the entire pandemic. I lost my job due to the pandemic. Francy Law have sent two employees to my house during a pandemic threatening to sue me. To take my stuff. Putting my family at risk of a deadly global virus. I have called them to let them know I dont have a job and they keep harassing me. The total owed is {XXXX} and they are harassing me daily. Weekly. Milllions of people have died and every time they knock and hand me filthy paper work, they are putting me and my families health at risk. 

I dont even actually owe, this owes amount is fees the bank charged me. Fraudulently! After I had already closed my account.
Product: Checking or savings account

Capital One banking institution is withholding my direct deposit. I receive my pay XXXX days early each pay period. They say theyre having a technical issue but XXXX XXXX stated everything has been restored. Capital One reps are saying theyre honestly not sure whats going on. I have bills to pay, a family to feed and have no money. Its going on day XXXX with a holiday approaching ( XX/XX/year> ). Thatll be 5 days without pay. Theres no resolution time. All of this after being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX XXXX On XXXX XX/XX/2019, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

In XX/XX/XXXX, I signed up for a credit card at Sephora, through Comenity Bank. My husband had a Victoria 's Secret card through Comenity for XXXX years so I expected no issues. I made THREE ( XXXX ) purchases with this card. 

XX/XX/XXXX I charged {$1000.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$1000.00}. 

XX/XX/XXXX I charged {$86.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$86.00} ; and on XX/XX/XXXX they refunded my {$15.00} late fee. 

XX/XX/XXXX I charged {$260.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$260.00}. 

That's it. I only made XXXX charges total, and I paid off the full amount each time within XXXX weeks of receiving my bill. The problem is that after each statement closed ( XXXX ), by the time Comenity printed, processed, and mailed each statement, I would not receive it until around the first of the month. Which means Comenity expected me to not just submit payment, but for them to receive and process that payment within two weeks of my receiving the bill. 

The entire dispute I am having with Coemnity goes back to my very first bill ( statement closed XX/XX/XXXX ). Despite this being my very first bill, postal delays due to XXXX, and having to set up payment from scratch, I still had this bill payed within 10 days of receiving it. Comenity processed this payment on XX/XX/XXXX, The second bill ( closed XX/XX/XXXX ) reflects that Comenity had received payment in full for my entire balance ; yet they still assessed a {$30.00} fee on XX/XX/XXXX. 

I initially assumed this {$30.00} fee was a mistake on their part, and that they would be happy to rectify the issue due to this being my very first payment & the balance being paid in full. This second bill was paid a little late ( still less than 30 days ), and to their credit when I spoke with Comenity they refunded the late charge. So by XX/XX/XXXX I had made XXXX charges, paid both in full, and had a {$30.00} fee that should never have existed and expected to be removed. When I did not receive a statement for XXXX ( statement closing XXXX ) I assumed the fee was dropped ( as many cards dont send a statement if there is a XXXX balance ). 

In XXXX I made one more charge, which was promptly paid off. I spoke with Comenity about the outstanding balance that was entirely fees accumulating based on the very first fee that should never have been charged, and Comenity refused to acknowledge their mistake. We cancelled all cards with them, and closed the accounts. Despite this, Comenity Bank continued to assess fees and is claiming I owe them {$440.00} in fees and interest. They now have XXXX XXXX XXXX trying to collect on this " debt '', and have reported me to the credit bureaus.
Product: Student loan

This loan is from XXXX when I was going to XXXX XXXX  XXXX XXXX XXXX The loan is now over 21 years old. Unlike Federal loans which I was able to put into deferment, forbearance, & income-based repayment, the private loans basically only allowed me 6 months of unemployment or income based deferment during the whole life of loan. I actually first defaulted on these loans like 15 years ago. I expected to possibly be sued then. I was making payments of a bare {$50.00} a month at times over the last 15 years, but because I have become XXXX over the last XXXX to XXXX years as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had my federal loans dismissed under XXXX XXXX diagnosis. Meanwhile, this loan company has decided to sue me now for these loans in XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I stated to receive quotes for auto insurance and when I received them I also received a disclaimer that the rate I was quoted would not be the best rate because of my credit score. I then went to XXXX XXXX, XXXX, and Esperian to see what my credit score was. First a looked a my credit history and noticed that my XXXX was not being reported. I have a large credit limit for use but pay the card off monthly and do not carry any balance.. I contacted the XXXX XXXX XXXX XXXX and spoke with the executive VP XXXX XXXX who checked to see if they were reporting and confirmed that they were. I checked with XXXX XXXX who indicated that I had a XXXX score out of XXXX or an Excellent Rating but when checking with XXXX and XXXX my credit score was XXXX points lower and the XXXX was not reporting. If this is the case then I am being charged high insurance premiums and loan rates when I shouldn't. I also noticed that the employer information on record was for a fiinance company I worked for over 30 years ago. I contested that info but they never changed it. It should be XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Now Retired. I have a billing statement from XXXX which shows the high credit limit and my current mailing address if needed. My name is XXXX XXXX XXXX, mailing address XXXX XXXXXXXX XXXX XXXX WI, XXXX, Phone # XXXX, email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

The company name is XXXX heres there # ( XXXX ) XXXX & my identity was stolen from me XXXX yrs ago and this person made bank accounts and opened credit cards and purchased things with my name and social and its been on my credit & Ive made a police report and a FTC report and its still reporting to my Experian credit file the other Credit Bureaus removed it and this is the only one left. Im starting a family and Im in the process of purchasing a house and this one fraud active is in my way of my future.
Product: Debt collection

I recieved a letter stating the were going to file a civil law suit. That this was the last letter ( which is the only letter ) I have received. The said the debt came from the CREDITORS. That is it. I do not have a clue who the CREDITORS are. I do not want to get sued, but I do usually give someone XXXX and not know why. Can you tell me what I can do? MCOT XXXX, Tennessee
Product: Credit reporting or other personal consumer reports

NewRez is egaged in fruaglent lending practice. 
They NewRez discrimination by not allowing all of my income to be disclosed. 
NewRez XXXX my political job could not be counted when the Federal Government allows it on my taxes. 
I would like an investigation
Product: Payday loan

I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isXXXX XXXXn, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 168
1i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry by XXXX  XXXX XXXX on XX/XX/scrub>/2024 To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiry on my TransUnion credit report. Below are the details of the inquiry in question : Creditor Name : XXXX  XXXX XXXX Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/scrub>/2024 I did not authorize this credit inquiry and have no knowledge of any application, request, or transaction that would have necessitated this inquiry. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, a credit inquiry XXXX only be conducted with my explicit consent or under legally permissible circumstances.

Request for Action 1. Immediate Removal of Unauthorized Inquiry : I request that TransUnion remove this unauthorized inquiry from my credit report promptly. 
2. Investigation and Documentation : If XXXX  XXXX XXXX claims to have obtained my authorization for this inquiry, I request proof of such authorization, including any signed documents or electronic consent. 
XXXX. Notification of Results : Please notify me in writing of the results of this dispute within the legally mandated timeframe. 

Contact Information Full Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : XXXX Email Address : XXXX I expect a thorough investigation of this matter and prompt resolution. Please be advised that continued reporting of unauthorized inquiries could result in harm to my creditworthiness, and I reserve the right to take further legal action if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the it : XXXX XXXX account # XXXX date opened XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.
Product: Credit card

JP Morgan Chase XXXX XXXX XXXX XXXX. 
New York, XXXX  XXXX Dear sir, On XX/XX/2023, I received an email from your company ( XXXX ) that notified me to be credited on my account of Chase Bank . 
Therefore, I logged in and found out I was charged by XXXX XXXX on XX/XX/XXXX and posted on XX/XX/XXXX. Since I do not have time and quite busy not to have enough time to play computer game myself, I can not recognize what is this charge at all. I wanted to dispute but the bank site gave me the option only to complain and lock the account. I enclose the printout of the charged amount {$8.00}. Anyway, I have checked the letter which the company asked me by email. I tried to find out {$10.00}, but I could not find out the refund. Since the date on the letter indicated XX/XX/XXXX, I believe Chase did not refund {$10.00}. Instead of it, it charged {$8.00}. Since I continue to have the issue regarding the game site of XXXX, which I do not recognize at all, I would like you to stop XXXX charging the digital games. Since I have more letters and claims to be filed, I do not send the letter to XXXX ; so, would you check by yourself whether it has the digital game called XXXX XXXX. From the beginning, have you ever checked whether so-called XXXX XXXX exist or not in this world. I request to refund all the charge made by XXXX XXXX in record. If you state this digital game have been existed and lost this existence, would you explain logically and calculate precisely, and refund me appropriate total. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I was informed by a few companies that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct in what they are doing.
Product: Checking or savings account

In XXXX to XX/XX/XXXX there was a XXXX XXXX emergency transfer in the amount of {$1800.00} from my Bank of America EDD account. Six days later the exact same transaction happened again for the amount of {$990.00}. I filed a claim with Bank of America prepaid claims services in XXXX when I saw the error. Two days later, Bank of America denied my claim. I requested I reconsideration six days later Bank of America sent me a letter stating that the transaction was completed by me, but if I didnt do it, I know who did. I have provided a police report a complaint from the United States Postal Service, my own written statement and a statement from the appeal judge who also stated that someone had been fraudulently using my identification to withdraw friends. so now the bank is moving to field goal I have 45 days for reconsideration. They sent me a letter stating that the claim had been resolved, and that the card on file had been mailed to an address for me that the bank has on file, and my credentials were used to turn on the card. This was not a card transaction this was an emergency transfer. Then they tried to tell me that I couldnt file a claim because my account had been closed last year in XXXX. Ive had to go to the bank four different times in two weeks to verify who I am. so now I ask them to provide me with all the information that they used to make their decision. They sent me one piece of paper with the transaction on it with the time of XXXX not one representative can confirm whether this time is eastern, central, pacific mountain. Please help me get my money back. Thank you.