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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

The amount of money going toward the principal was really low and quite unexpected. I paid {$1200.00} over 3-4 months and only {$400.00} went toward the interest. Now it is after the first 100 days and the interest rate went up to 114 %. I will be paying this loan forever and keep getting deeper in. They take {$140.00} every other Friday on a XXXX loan! The final payback amount is {$3800.00} at this rate. No one told me when I went to the mechanic shop that I should just go sell my car. Even after the repair my car ended up having another $ XXXX repair a few months later and with more knowledge, I went right to a dealership and sold it as it. No repair. No additional loan. So now I have a new car and new car note of {$400.00} but have to pay {$310.00} a month on this ( {$700.00} a month if I want to avoid the predatory interest ).
Product: Credit reporting or other personal consumer reports

I have been with AFFIRM INC for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of this company and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019, I mailed a letter to Experian credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. These accounts contain blatant errors in how they are being reported on my credit report. I've tried pleading with Experian to right their wrongs multiple times. Experian does not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.
Product: Mortgage

I applied on line for XXXX with Bank of America. Bank of America checked my credit and impact negatively on my score Without my permission or any notification on the misleading site of Bank of America. 
The XXXX employee XXXX not sure about her exact name.Called me with tone of XXXX disrespectful and showing off power pretending she can't say my name and telling me " I'm denying your application " When I complained, I got responses from XXXX XXXX on XX/XX/2023 and she denied anything wrong from their Bank of America checking credit without my permission and she referred me to another employee XXXX XXXX can work the loan application. 
I found XXXX not sure her exact name calling me back despite my complaint against her and she.threstened me in the phone that if I would record her.conversation it would be a XXXX. This proved to me that they are no control and this XXXX is discriminating me using her power without any boundaries. 
When I went back to XXXX she absorbed my anger but they.tried to waste my time and misleading me by asking about too many documents just to appear that they are not retaliating against me for the sake of their coworkers XXXX. 
While this misleading deceitful process I started apply for same HELOC with XXXX XXXX  and I got approved for $ XXXX. 
I did not get any written explanation of denial from the most XXXX people in Bank of America. Of course they can claim anything but I'm sure they were discriminating me and denied my loan
Product: Debt collection

Santander Consumer USA 's representative stated, on a recorded phone call, that the alleged loan/account was sold to XXXX XXXX and that the consumer should contact XXXX XXXX. The representative supplied the phone number to XXXX XXXX. Consumer called XXXX XXXX and spoke to a representative name XXXX who confirmed that XXXX XXXX does not have an account for the consumer and they are not collecting any alleged debt. This behavior by Santander Consumer USA is clear violation of 15 USC 1692c, 15 USC 1692e, 15 USC 1692f, and Public Law 111-203. Concurrently, the information being reported on the credit report of the consumer is inaccurate and in violation of 15 USC 1681 et al. The consumer demands the removal of this erroneous reporting and will be seeking relief of {$1000.00}, by money order, be made payable to XXXX XXXX XXXX XXXX withing 10 days of receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Mortgage has reported that my mortgage payments are late. And this has been falsely recorded by XXXX  and reported as part of my credit report. This however is NOT true. My mortgage payments have all been made on time and in full. Regions claim that my account is delinquent is false. This must be rectified immediately if not sooner.
Product: Credit reporting

A glitch occurred within the Trans Union system that violated the rights of their consumers under section 6.11. As a result, I have been exceedingly effected and my credit score is suffering as a result of this Trans Union glitch. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. Please see inquires below. 

XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Department and variety stores - non specific Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Thank you, XXXX XXXX
Product: Credit card

We had fraud in our office and money was stolen and accounts were taken out that we personally did not nor signed to open.
Product: Checking or savings account

The bank as of XX/XX/23 started charging EXTREME overdraft fees. Initially my accounts did not allow me to overdraft at all. They tried to accuse me of doing this through the online application. I had no access to the online application due to technical difficulties with the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of the accounts, XXXX XXXX XXXX - AND XXXX XXXX XXXX, thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. XXXX and Equifax will not follow suit and delete the inaccurate/unverifiable accounts, they have not verified the accounts. The creditors have not been able to verify the accounts either, but Equifax and XXXX will not remove them from my credit profile.
Product: Debt or credit management

I am writing to dispute the XXXX late payment reported by KikOff Lending , LLC. on my credit report. I believe that this information is inaccurate and I would like it to be removed. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the " maximum possible accuracy '' of the information they report. This includes verifying the accuracy of the information with the original creditor before reporting it. I do not believe that KikOff Lending , LLC. has done this, and I request that they be contacted to confirm the accuracy of the information they have reported. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using " false, deceptive, or misleading representations '' in the collection of a debt. As KikOff Lending , LLC. is a company that offers credit building services, I do not believe that they are a debt collector. However, I would like to point out that any communication or representation they have made regarding this late payment may be in violation of the FDCPA.

Furthermore, the Credit Repair Organizations Act ( CROA ) prohibits credit repair organizations from making false or misleading statements regarding their services or the services of any other credit repair organization. I would like to bring to your attention that any statements made by KikOff Lending , LLC. regarding their ability to help my credit may be in violation of the CROA. 

In light of the above, I request that the XXXX late payment reported by KikOff Lending , LLC. be removed from my credit report. I would appreciate it if you could conduct an investigation into this matter and provide me with the results in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

For approximately 6 months XXXX  attempted to do a loan modification with Wells Fargo when I lost nearly 20 % of my income. I submitted paperwork on several occasions. However, I never got responses or replies in the replies and is responses that I would receive was no progress made. The representative I was working with kept being changed came to the point that I ended up having to file bankruptcy because of my financial situation. However, I have contacted Wells Fargo why I have not been compensated through the class action suit in. They indicated they didn't identify me as an affected party. This type of behavior by Wells Fargo falls in suit with how they have done business for years
Product: Credit reporting or other personal consumer reports

XXXX, and XXXX both did the same in contacting me during COVID19 when there was a cease order. I had been contacted constantly during the cease order. 
I also asked them to combined the loans which I requested before COVID19. 
I had a letter stating that they would not lower my credit scores. Well, they did exactly that and lowered my credit scores 43 %. I had also mentioned that I work as a XXXX XXXX XXXXl.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an account reported by XXXX XXXX XXXX XXXX TransUnion, Experian, and Equifax. This account is inaccurately and inconsistently reported and should be deleted for the following reasons : Different Original Creditors Reported TransUnion lists XXXXXXXX XXXX Experian and Equifax list XXXX XXXX XXXX  This is a major discrepancy that raises serious concerns about the accuracy and validity of this debt.

Different Balances Across Reports TransUnion reports {$680.00}, while Experian and Equifax report {$430.00}.

The same debt should never have different balances on separate bureaus.

Inconsistent Account Opening Dates TransUnion lists XX/XX/XXXX, while the other bureaus list XX/XX/XXXX. 
This inconsistency further shows a failure to maintain accurate data. 
Improper Account Type The account is listed as an Open Account on TransUnion and Equifax and as Debt Buyer on Experian. 
A debt buyer should report accounts strictly as collection accounts, not as open or revolving credit. 
No Debt Validation Provided I have not received a notice of debt validation from XXXX XXXX XXXX in accordance with FDCPA 809 ( b ).

Therefore, they are not legally permitted to report this account.

FCRA Violations The company is in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) for furnishing inaccurate and inconsistent information.

This account is causing unjust harm to my credit profile. I am requesting its permanent deletion from all three credit bureaus due to these legal violations and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from XXXX congratulating me on my new XXXX Rewards card. I never applied or even intended to do so. I have XXXX accounts with XXXX, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from XXXX from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account reported by XXXX XXXX Bank in the file TransUnion maintains under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. 

I hereby demand that they immediately delete the item from my credit report in order to avoid legal action. 

They need to govern themselves accordingly.
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX and equifax has violated my consumer rights and according to the FCRA by furnishing fraud accounts related to fraud attached is my Fraud Report ID and Letter and Comed bill for proof of address. i believe this is all the required documents needed to block accounts. 

ALL THIRD PARTIES LISTED BELOW NEED TO BE DELETED Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX Account number XXXX account was Never late Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ) Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.Account name DELETE ALL NON ACCOUNT HOLDING INQUIRIES ( FRAUD ) XX/XX/2024 XXXX XXXX
Product: Debt collection

About XXXX months ago, I was in the process of purchasing an automobile and up pops this collection account on my credit report. Because I was denied the car loan, I immediately contacted my Attorney to explain to him what happened and he told me to contact Consumer Finance. Gov. to file a complaint. This is not my debt and if it's not removed immediately, my Attorney and I are prepared to file a Law Suit. At this point, much damage has been done but we just want this removed/deleted immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my credit report showed an inquiry from XXXX XXXX ( XXXX & XXXX ). I am unaware of any contract with this company & there has been no permissible purpose for this inquiry made clear to me. I am requesting full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this inquiry accordingly & the remedy to the damages thereof.
Product: Credit card or prepaid card

I applied for a Citi XXXX  card on XX/XX/XXXX then I got approved on XX/XX/XXXX for a {$2000.00} limit. 
The card was out for delivery on XX/XX/XXXX The card never arrived and later I figured out that it was stolen, so I ordered a new card. 
The new card was out for delivery on XX/XX/XXXX and I received it the next day. 
I started making purchases with the new card but suddenly only a couple days later on XX/XX/XXXX it stopped working. 
It seems it stopped working right after I tried adding it to my XXXX  online wallet Afterwards I tried using it for transactions both with the actual card and online and nothing worked. 
Starting XX/XX/XXXX I tried calling up Citi again and again to reopen my account it was very difficult calling them and getting through to the customer service usually around a XXXX minute wait on the phone and many times even after waiting the call didn't go through. 
Finally when I get through to them they said that my phone number is not good enough to verify the account and they need to send me a letter in the mail On XX/XX/XXXX I got the letter in the mail with the verification, I called up Citi but they said that they are still unable to reopen my account