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

Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( Experian, XXXX, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with Experian, XXXX, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,
Product: Debt collection

" I hope you enjoy living with your bad credit '', I am on XXXX now for 2 years because of failed XXXX. I have told this the collection agency and when I get back into the world force I will pay my debt. Currently finishing XXXX school, then I need another XXXX to hopefully fix the failed XXXX and get back to work in XXXX. The debt is from 2014 during a time I was receiving XXXX. XXXX. There is no need to be nasty, I know my debts and people need to be paid for their services. I do have plans but I must get back into the work force. Please, do not allow these people to harass me over {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 12 credit inquiries that I did not authorize. The customer service department would not help and take care of the negative inquiries reporting to my credit report and I would like to have this issue resolved. 

XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided ; our records indicate your personal information was impacted by this incident. XXXX Due to these legal violations and as a victim of identity theft resulting from the Equifax breach, I am demanding that Equifax remove these unauthorized inquiries from my credit report within 4 days, as stipulated by 15 U.S.C. 1681c-2. If Equifax fails to comply, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal actions as needed to ensure my rights are protected.
Product: Credit reporting or other personal consumer reports

Hello I pulled my credit report on XX/XX/XXXX And I have pulled my credit report again and these inaccurate reporting to my consumer credit profile I still have numerus number of unauthorized inquires on my report. 

Please remove these unauthorized accounts XXXX. The following XXXX XXXX was made by XXXX XXXX on XXXX XXXX. XXXX and this inquiry is inaccurate. Please Delete this XXXX XXXX. The following Unauthorized Inquiry was made by XXXX XXXX Bank XXXX on XXXX XXXX, XXXX and this inquiry is inaccurate. Please Delete this XXXX XXXX. The following Unauthorized Inquiry was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and this inquiry is inaccurate. Please Delete this XXXX Please Delete these Inquiries
Product: Debt collection

I have received several calls from Data Check of America and from a law office ( XXXX XXXX, I believe ) regarding a check I apparently wrote to California XXXX University, XXXX XXXX in XXXX. The total amount they say I owe, including their fee, is {$170.00}, approximately. They are threatening to take legal action if I do not pay. 

I have called XXXX XXXX XXXX at XXXX XXXX on the matter and they told me that they are not pursuing any debt from me, that they can not pursue any debt more than XXXX XXXX XXXX, and that they would not take anyone to court over a debt so small. XXXX XXXX does not refer debts to Data Check. They are currently using Credit consulting Services. In the past they went through XXXX XXXX until that company disbanded and apparently disappeared. XXXX XXXX has received ten similar phone calls and believes there may be more unreported. 

I have no supporting documentation, despite the fact that Data Check says they have sent me several letters over the years. In a phone call today, XXXX/XXXX/XXXX, They gave me a last chance to resolve the debt before starting paperwork to take me to court. In a previous call they wanted me to set a court date. When I asked them today to tell Data Check to send me some documentation, they told me they were " not going to play this game anymore. See you in court. '' The phone calls have not been abusive, but threatening ( I would consider talk of legal action " threatening ).
Product: Debt collection

Foster and Monroe have made calls day and night to my phone. At odd hours. Recent voicemail was left by XXXX XXXX who threatened legal action even though it has been 5 years. A company could no longer be able to sue. She said the county of XXXX XXXX will be contacting me. She called my actions silly. And when I had made a payment the link to the receipt/document is broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law charged me 10 months for services they claimed in marketing, email, and via telephone that they performed. They did not perform what I paid for. Also, today they admitted to not sending out a higher level of dispute letters which was requested 6 months ago. These fees and services are misleading, deceptive, and inaccurate. They targeted myself and attempted to force me to target my family to join. I attempted to cancel and they do not provide any way to cancel online. They force you to call or email. I did both and it still took days to cancel. Furthermore, they refused to refund the charge even after I submitted a request to cancel.
Product: Credit reporting or other personal consumer reports

Someone with the number ( XXXX ) XXXX and email address XXXX tried to apply for a US Bank credit card on XX/XX/2024 and it made a hard inquiry on my credit and dropped it down XXXX points. On XX/XX/2024 they were able to withdraw {$350.00} out of my savings account. I did not apply for a US bank credit card or anything associated with US Bank and nor did I withdraw any money from my bank savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has consistently been a problem.  XXXX  Equifax  XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Product: Debt collection

Received phone call XX/XX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as banker my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Debt reached out to me and informed me that they submitted in deletion of requests to all the bureaus. I reached out to Equifax and saw that the account is still on my credit report. I have attached the Professional Debt letter that was attached stating the account needs to be removed. Please delete and remove this account! I also requested for the XXXX XXXX inquiry to be removed.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXXXXXX XXXX I live in XXXX and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$500.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Debt collection

On XX/XX/2022, I received a debt collection letter from AARGON Collection Agency The Only Real Solutin. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.
Product: Student loan

I am eligible to have my loans reconsolidated through FedLoan.gov in order to enter the public service repayment program. My loan servicer, ACS, has refused for the past six months to provide the Loan Verification Certificate to XXXX that will allow XXXX to proceed with taking over my loans. This is despite weekly requests from XXXX and biweekly contact by me via email and phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX. XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Product: Prepaid card

I received a XXXX  gift card of {$150.00} for XXXX but am unable to use it. When contacting XXXX they giving me the run around and are asking for personal information ie drivers license, address.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy 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. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

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

Dear Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request.

I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you investigate and resolve this matter as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

USAA bank reported us late payment in XXXX and XX/XX/2018 because while they were investigating an interest rate reduction dispute we were advised to pay what we could while active investigation going on. USAA corrected their error of raising our interest rate and monthly min payments when they found the mistake to be on their end, however, they failed to correct the credit reporting they did. We paid as their representatives advised us to, we did not miss payments as they investigated their mistake ( which took 6 months ), but could not afford the sudden dramatic increase that was not supposed to happen due to the program we were under. USAA inaccurately reported as the mistake was on their end and the advice on how to make monthly payments was on their end. We were told to submit dispute forms - we did. However, the person failed to read our forms and do the full investigation and reported our dispute as " irrelvent ''. I have attempted to leave messages on his voicemail repeatedly, but he will not return calls ( Mr. XXXX XXXX ). I have called the USAA customer service line to get a hold of someone in the dispute resolutions team, however, not one representative knows who to connect me to ( but they manage to repeatedly place me on hold for over 47 min at min each time I call ) and they just send me to dispute resolution for credit cards - who only tells me they can not help me because my accounts are not in default. In other words, I submitted 4 disputes for credit reporting to USAA and 1 to Mr. XXXX directly with a 2 page explanation and not one person has called me back to correct or even discuss the issue. I just sent out letter of complaint to NCUA and Im now turning to credit bureaus to help.
Product: Mortgage

Wells are not responding with solutions to our problems ; They writer have not followed thru with promises of settlement they offered ; Here is a total succinct summary of Wells ' offers and settlements needed ; 1 ) Well 's offered to delete the " late payment '' charges of about {$5000.00}, but have not followed up with confirmation of this. 

2 ) Well 's have not confirmed the amount of additional income needed to qualify for a modification based on our recent application for a modification. If we had this we would know what to aim for, instead of this lack of transparency. 

3 ) We must reach a solution so we know what is possible ; In the event we sold, because we cant keep going under this XXXX at XXXX years old and in ill health would Well 's give us the promised {$10000.00} relocation amount promised, based on our XXXX application on which there is no current change. 
4 ) Where action is required by Wells when and how will they act. 
5 ) All this points to a being current, one way or another in the next six months, if Wells will be more XXXXtransparent and answer the question in full..
Product: Student loan

On XX/XX/year>, Navient reviewed my school misconduct application and denied it with no reason as to why. See details in the quote below... 

From Navient : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Product: Debt collection

Midland funding llc is trying to collect over 500 in debt that i have no knowledge of i have not signed any contract with Midland funding llc nor have i entered any contract with them nor any of there affiliates
Product: Credit card or prepaid card

This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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

I have an account on my credit report from XXXX XXXX Bank which is my credit card account. Early in 2020 I went 30 days past due. Which was due to XXXX related illness and declared disaster. I havent ever been late. And getting sick during the pandemic was out of my control. I disputed with Experian and XXXX XXXX stating I was affected by the disaster. Both entities failed to acknowledge my dispute.