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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : Balance : {XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX open
Product: Vehicle loan or lease

In XXXX of XXXX, my wife ( XXXX XXXX ) and I had an auto loan go into default with GM Financial. After the vehicle was auctioned, I still had an unresolved balance owed to GM Financial for the remainder on the finance contract. 

I contacted GM Financial this fall, and learned the matter was being handled by a law firm named XXXX XXXX XXXX. I was able to negotiate a settlement with the attorney for the remaining balance, and I funded this settlement on XXXX XXXX, XXXX. I am attaching a copy of the written settlement arrangement from the attorney, as well as our receipt showing the arrangement was paid as we have agreed. 

Move forward to today, and GM Financial is still reporting to XXXX, XXXX, and XXXX XXXX that we still owe them almost {$7000.00}. We have disputed the account at least three times with the credit bureaus, but GM Financial continues to tell the credit bureaus that we have an outstanding balance. As mentioned before, I am attaching the documentation proving that this matter has been legally resolved for some time now.
Product: Credit reporting or other personal consumer reports

I have filed police reports and have contact XXXX SEVERAL times regarding my identity theft issue. They have approved my request, but have yet to remove the accounts from my report and update properly on the experian site. I see they have been removed when I check my XXXX report on other sites, but not on the actual XXXX  site which many companies use. I need this corrected immediately as this situation has caused enough trouble.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 


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. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, NJ XXXX Date:XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. 

Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Speedy Cash has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed by Credit Report and noticed that I had 1 late payment in 2018 that I was never late on. I have never been late on any payments for the account that is closed ( Account Number starting with XXXX ) and also have never been late on any payment to another creditor. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to reflect " on time '' as they should be as I was never late. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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
Product: Mortgage

Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk. 
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting this fraud account thats not mines
Product: Mortgage

On XX/XX/2023 I closed on a house. During the closing process, I set up auto pay through my business account, which I have done for other housing purchases. United Wholesale Mortgage declined my payment for the month of XXXX and XXXX. They did not add me as the primary account holder ( I required a co-signer ) thus I was not informed they declined my payment. 

I called on XX/XX/2023 ( rough time estimation ) and was told that they do not accept payments from third parties. I asked for the necessary forms to complete so they can accept payments from my business account. They emailed me. But the email did not contain the correct information. I called XXXX days later. They emailed me. Again, not the correct information. I called again and asked for a manager. The manager said he would mail me the document I needed to sign. It is XX/XX/2023 and I have not received the document. 

This process has dropped my credit score from XXXX to XXXX. Their error has cost me money and has prevented me from making other purchases as my credit score is so low. 

I have tried to work with this company. I called XXXX XXXX to help me. They have sent United Wholesale Mortgage XXXX inquiries and they have not responded to XXXX XXXX. 

Please help me. All I want to do is set up auto pay through my business account and have my credit repaired.
Product: Credit card

Truist Bank. Around 2020 year, my problem started, when one of of officers offerd me to make a loan, I told her I don't need it. She insisted and I said no. Then after days she gave me 3 credit cards. I said Whay? I don't need 3 credits card. She said, Just keep it, you used when you nee it. I took them. Now, I have used XXXX XXXX in XXXX, XXXX in other. 
In XXXX I had to purchased in my apaerment almost every electric machines and 4 windows. I request the bank a loan for {$10000.00} XXXX dollars, at that time the interes wasXX/XX/XXXX %, great deal. The bank took long time for the approval until the loan was with a high interest XX/XX/XXXX %. 
The oficer said they will give me XXXX XXXX dollars, I said I just ask for XXXX, he said you will keep it until you meed it. My balance in XX/XX/XXXX, was {$17000.00}, I was paying {$250.00} a month. I want to pay and the XXXX said I don't need to pay because I have paid unit XX/XX/XXXX. The bank stop the payments payments. The loan has increaced from {$17000.00} to {$18.00}. It is not fair that the bank did not allow me to keep paying my loan.. 
In XX/XX/XXXX I ask for a loan XXXX to pay credit cards, and the XXXX said why you don't barrow XXXX XXXX. The bank did not apporved. then the XXXX said we will do it for {$50000.00} XXXX, I said I just need {$10000.00}, well he said when you ned it you will have it. Because I didn't answer, Twice they mail me the contract, for me to sing it for {$50000.00} thusand. 
The bank Truist is directing me wrong in respect to my account, and getting advantage of my requirements. 
I need yout assistance. The bank cano't offerme loans that I wont be able to pay.and prohibite me to pay for XX/XX/XXXX months my loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that Credit Bureaus will investigate these items for me to ensure accuracy. here is the account I am asking you to verify as accurate. account name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, 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 you receiving this complaint.
Product: Credit card or prepaid card

I moved to a new home on XX/XX/XXXX to be closer to services for my XXXX child and during my move, my postal mail did not reach my new address in a timely manner. Consequently, Discover Card charged me {$27.00} late fee and {$5.00} in interest charges in fees on a {$270.00} balance. In the confusion of relocating with a XXXX XXXX child, I regretted not finding the time to notify Discover of my new address, so I paid the fees without complaint, but in addition to receiving an effective APR of 71 % for a two month late payment, Discover reported a late payment to the credit reporting agencies. 

Although the Discover Card website states that they will give " goodwill adjustments '' to customers who make a one-time mistake ( https : //www.discover.com/credit-cards/resources/how-to-raise-your-credit-score-fast/ ). As I've had no other derogatory remarks from Discover during my 21 years of being a customer, I requested a goodwill adjustment on XX/XX/XXXX, but was told that Discover no longer gives goodwill adjustments despite Discover 's own website recommending that longterm customers request one ( please see link above ). 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX child.
Product: Credit reporting or other personal consumer reports

I believe I am victim of XXXX XXXX. My identity was leaked in the XXXX data breach. I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX, XXXX and XXXX. However, the accounts have not been removed from my credit report. I have attached the XXXX XXXX report to this report. 

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 XXXX XXXX XXXX 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

I have worked with XXXX on several occasions to have duplicated items removed from debtor but they continued to add multiple duplicated item to my credit and fail to provide me with any substantial proof. I have file dispute with XXXX XXXX ever month this is absurd. For the amount of credit abuse they do to my credit report on a montly based.
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 XXXX XXXX XXXX. 

* Account name : XXXX XXXX XXXX # XXXX * Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX *Account name : XXXX XXXX XXXX XXXX XXXX Act. # XXXX *Account name : XXXX XXXX XXXX XXXX *Account name : XXXX XXXX # XXXX *Account name : XXXXXXXX XXXX XXXX XXXX. # XXXX *Account name : XXXX XXXXXXXX XXXX XXXX Act. # XXXX *Account name : XXXX XXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

after reviewing my credit profile, I noticed several fraudulent items on my credit report per 15 U.S code 1681b -permissible purpose of consumer report I have listed all accounts on my FTC report. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful. 

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ XXXX XXXX. XXXX ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission XXXX ( XXXX XXXX. XXXX et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I the undersigned, a financial and marketing professional was desperately seeking a job since XX/XX/XXXX, after being laid off. I was interviewed and accepted for the job and agreed to sign a contract. On XXXX XXXX XXXX. I received a check by FedEx mail, track # no XXXX from a certain XXXX XXXX who claims to be a Business Executive Manager who interviewed me to be his Assistant and work for him full time. 
As instructed by the new employer I deposited it into my checking account. 
I realized suddenly, It must be a scam and reported to my Bank the following day on XXXX, XXXX, XXXX. It was turned to be a scam. I called also my SunTrust Bank informed the whole story the check was put on hold. I haven't touched the disputed check amount which is on held. The SunTrust Bank, send me a letter on the hold on XXXX XXXX, XXXX the XXXX XXXX when I attempt to withdrew money from My Direct deposit from Social Security and part time payroll check, my account is inactive. Since then I am trying to reach the Bank no one answers a call after a XXXX hold. I sent email messages, no reply at all. I could not pay my bills and have no money to spend for my food, gas and daily expenditures. I want the SunTrust Bank to to resolve the issue, before I open a law suite against for all damages and hardships that I am encounter. I need the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX dba XXXX - inquire without permission - unknown Infiniti XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

I am a resident of Missouri and for the past 20 years I have been having my wages garnished and my bank accounts emptied out over and over and over and I have paid this debt collector for the same account multiple times and they wont stop taking my money. I am nearly homeless due to this. It is Butler and associates out of XXXX, Kansas. It is when I was XXXX XXXX XXXX Debt and I am XXXX XXXX XXXX and I just found the file folder with all the proof of letters from them stating how many times they have released me and dismissed it because it was paid in full, thousands of dollars they owe me and currently right now they have my bank account negative again And due to them, me and my children are on the streets. I cant afford a lawyer. I dont know what to do. I reached out to them. I even sent them the letters that they sent me proving I paid it over and over and over. Every letter I have, its the same case and they just change counties and paid in full over XXXX times on all XXXX accounts thousands of dollars. And right now I have no money and my bank account is frozen and negative because of them. Please help me I I looked up online and they have had many lawsuits against them. In fact, I am the second generation they are doing this to my mother went through this for 20 years and this day shes almost XXXX and she still hasnt been reimbursed for almost {$40000.00} in overpayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Equifax still has not corrected the STATUS. They added a comment to the Remarks section but Eqiufax did not update the STATUS. 

Below are the XXXX accounts with the wrong status. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Equifax. So Equifax needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Equifax confirmation number is XXXX