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

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with ONEMAIN FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00}
Product: Mortgage

I have been trying to resolve an incorrect PMI charge on my mortgage payoff as I am currently refinancing my XXXX  home mortgage. I paid my Annual XXXX  Mortgage Insurance premium in XXXX on XX/XX/21. The funds were deducted from my escrow account. New Rez LLC/Shellpoint has been delinquent on my requests for correct as my mortgage payoff says I owe this fee again in the amount of {$1100.00}. Calling there customer service number is useless as the representatives and managers all state the only way to get this corrected is to email the loan servicing department. I have done so for 3 weeks now and I have received no response to my inquiry. Only a written letter in the mail thanking me for my inquiry. How as a consumer am I supposed to feel confident about my mortgage service when questions with this large of a magnitude and discrepancy can go unanswered for weeks and customer service is powerless to help me out.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take immediate action to remove the fraudulent inquiries from my credit report. They were not authorized by me and are causing me undue stress.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : XXXX XXXX : {$700.00} XXXX sent a debt validation letter to XXXX XXXX XX/XX/2024 via certified mail ( XXXX ). In this letter, I requested proof of the debt they claim I owe. As of today, XX/XX/2024, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since XXXX has failed to do so, I am requesting that this item be removed from my credit report immediately.
Product: Debt collection

I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please
Product: Mortgage

I received a letter from a debt collector Lawyers Office stating that I had 30 days from receipt of the letter to validate the alleged debt. I have replied to the Lawyer 's Office, My document is attached.I would like for the those stated as the RESPONDENT in my Notice of Dispute to respond to the dispute letter from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and I seen unauthorized inquiries on it from capital one that I didnt authorized. 
I tried to fix the problem with XXXX but they told me I would have to call Capital One. 


Unauthorized inquiries are : Capital One. XX/XX/2019 Capital One. XX/XX/2019
Product: Credit reporting or other personal consumer reports

I have been speaking and writing to TransUnion about erroneous information they've got on my credit report, namely, listing showing I owe XXXX XXXX XXXX whicnh is unpaid. I have sent TransUnion corroborating information showcasing that this information is incorrect, including check payments made to XXXX XXXX, yet TransUnion insist on keeping the information on my credit file. 

This has caused and continues to cause me hardship - personal and financial. 

Recently, I lost a construction project because I was refused financial funding due to this report on my TransUnion credit file. I can not get funding for my projects or my business because of this. 

I need this removed from my report immediately and finally. This project happened in XXXX but XXXX XXXX deliberately reported this erroneous information in XXXX so that it could remain on my file. The Director of XXXX reneged on her contract and walked away in the middle of a joint project and pocketed {$72000.00} when she left. I do not owe XXXX XXXX any money. I want my file cleared of this misinformation and my life cleared of this injustice!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent A INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

State employee credit union. Was supposed to automatically take a payment of {$230.00} on XX/XX/XXXX they draft the payment for my car note before my check is even deposited into my account. I was notified earlier in the month of XX/XX/XXXX regarding a separate account that I had to make a payment on. I was not notified until XX/XX/XXXX regarding my car payment was late. So when the rep XXXX from the XXXX XXXX brands I advised him as to why I was being notified so late when someone from the credit union called me the first day my salary advance was 1 DAY PAST DUE. I advised XXXX there was no reason as to why a payment wasnt automatically drafted out of my account. There was enough money deposited into my checking account fro cover the payment. And the payment was deliberately not paid due to my recent complaints on the credit union my car was in a minor accident on XX/XX/XXXX which it has been at XXXX XXXX from that date till today. And each month I was making a car payment. I advised XXXX that I was not expecting a paycheck the end of XX/XX/XXXX and would have to make a double payment on XX/XX/XXXX. A few days ago I get a letter in the mail saying my car will be repossessed if a payment is not made in 10 days from the date given in XX/XX/XXXX. I have already sent this information over to my lawyer. The credit union is deliberately retaliating at me because of my numerous complaints. XXXX could not give me any reasonable explanation as to why a payment wasnt made. From the time Ive had that car til now all of my payments has been automatically drafted from my checkings account. I demand answers as to why a payment wasnt drafted out and why was I notified 7 days before the end of XX/XX/XXXX. Why  wasnt I notified when the payment was 5 days past due?
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely removed freeze some time ago and then i go to get pre qualified for a mortgage and find out that a freeze is on my transunion credit report. I tried accessing online and after i put in all of my correct identifying information, their systems gives out error messages so i cant access my information from their website or over the phone. I cant lift the freeze they placed on my credit report because i dont have a pin number. They are holding my info hostage from me ( the actual person ) instead of the frauds in america.
Product: Student loan

XX/XX/XXXX, sent message inquiring about loan status and whether I had a payment due and what was due. Was told my loans were still in forbearance and that the amounts on studentaid.gov were inaccurate ( due to forbearance ) but to call for more information about what my payments would be. Attempted to call on lunch break- no response ( long hold ). 

I applied for the Graduated Extended plan and the message stated I would hear back in 5-7 business days ... but I never did. So I reapplied and months later, nothing. 
XXXX XXXX I reached out inquiring about my application for repayment and they apologized stating my application is still processing and they would get back to me asap. Ive yet to hear back. 
XX/XX/XXXX, I received a very confusing statement showing due dates from back in XXXX along with a repay date of XX/XX/XXXX. 

On XX/XX/XXXX I received another confusing statement showing a due date of XX/XX/XXXX. 

XXXX XXXX I received another billing statement stating I owe {$0.00} on XX/XX/XXXX. 

XXXX XXXX, I reapplied for the Graduated Extended plan just in case after hearing about their online issues. I've not heard anything back. 

XXXX XXXX I received notice that there is an application processing delay and that I'll hear back in 90 DAYS if I'm approved or not. 

I started this process early so that I could prepare for payments. I have near perfect credit and take my finances seriously. I need to know what my payments will be so I can make my budget. Now I won't know if I'm approved for the affordable plan ( Graduated Extended ) for 90 MORE days ... this is absolutely ridiculous.
Product: Prepaid card

I have 5 prepaid cards XXXX $ Amex, I got them in 2022, I used cards several limes to make a purchases. Then, suddenly all place where I tried to buy something using these cards started to refuse them. Sellers used to said me that I need to connect with issuer. I tried to called support multiply times, but there is the bot and nobody can help me I can't get my money. The total amount that left on my cards is XXXX $ it's big money for me, I have kids and I need them.
Product: Credit card or prepaid card

I received a Statement from BANK of America, XXXX  XXXX XXXX XXXX XXXX statement showed that my New Balance is {$76.00}. In Fact, I don't have any credit card Account from Bank of America and XXXX  XXXX XXXX and never purchased anything used it. It is fraud. 

I called several times, No one pick up phone. 

The following is the information of this company : Bank of America XXXX XXXX XXXX XXXX DE XXXX Customer Service : XXXX, www.bankofamerica.com Mail billing inquiries to Bank of America XXXX XXXX XXXX XXXX Mail payment to : Bank of America XXXX XXXX XXXX XXXX, XXXX DE XXXX
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

XXXX XXXX
Product: Credit card

I setup autopays with Capital One. My monthly minimum payment was usually at XXXX per month. I checked my account today and they had a payment in the amount of XXXX pending to be withdrawn from my account. I called them immediately and asked why such a large payment? After sitting on hold for 5 minutes they came back and stated that I requested a payment on top of my autopay. Well of course I did n't do that and if I was stupid enough to do that then would n't there be multiple transactions? I informed them that the funds would not be available, that they would have to stop that transaction. I was of course informed that they could not and that if I stopped the payment through my bank I would be charged a late fee but if I could pay XXXX right now then there would n't be. They said that was my minimum payment so again why XXXX? I informed them that I would not pay them XXXX right now and that I am going to stop the payment, in which I did my bank informed the payment is n't even pending yet but charged me XXXX to make sure the XXXX does n't get processed. Capital One automatically restricted my card use. I have no problem paying my minimum payment but I feel that the XXXX was being withdrawn unlawfully and then they tried to strong arm me by giving me a late fee, raising my interest and restricting my card. I will not pay this card until all charges are refunded and a honest reason of why they tried to charge me XXXX is given
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with XXXX XXXX I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I requested a copy of my credit report and I seen accounts that didnt belong to me so I contacted my bank and had them to freeze all my accounts until further notice
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, and 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : 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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Product: Payday loan, title loan, or personal loan

I got the loan in XX/XX/XXXX, I really needed the money since I had just bought a home and was short on funds. Someone called me from the company after I did it online and went through their agreement over the phone and at a very fast pace. Being that I needed the money I agreed and did everything electronically, I have been paying them XXXX every two weeks as of XX/XX/XXXXand it is still going on. I finally called them in XXXX and told them that I had already paid them {$8700.00} on a {$2600.00} loan and that I could no longer keep paying them because I can't afford to. XXXX at XXXX  told me the balance was still@XXXX and there was nothing they could do. Is this considered predatory lending? I have paid them 3X plus the amount I borrowed. Can you please assist and let me know if there's something I can do about this, I can't keep paying them as I can't afford to my situation has changed and I'm struggling to keep up with my expenses. Please contact me with any suggestions.
Product: Credit card or prepaid card

My car was hit & run by another car. I made a claim with XXXX, my insurance company. XXXX made a reservation with XXXX, their rental car partner. I had to put a {$50.00} deposit down on my credit card for the return of the car. The car was returned after repairs to my card were made. 

In the process, XXXX has gone wild charging my credit card numerous times even though XXXX was also paying them! 

Despite my supplying Wells Fargo Visa with the evidence of XXXX paying the amount that should have been charged, there are still unauthorized XXXX  charged on my Wells Fargo Visa. 

Please help. I have spent a total of 8 hours of wait time simply holding for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who is also waiting on XXXX XXXX to pick up the phone. I have tried leaving messages for Senior Vice President XXXX XXXX XXXX with no returned call or email.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies XXXX ( Separate complaint filed with all bureaus : XXXX, TransUnion, and XXXX ) : What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block the fraudulent information appearing on my consumer credit report. This information is the result of identity theft and fraud, and I request this block to be applied within 4 business days of you receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : account XXXX XXXX XXXX on XX/XX/XXXX account number : XXXX balance of {$590.00}. 

A XXXX account on XX/XX/XXXX account number : XXXX balance {$590.00}. 

A XXXX XXXX XXXX account on XX/XX/XXXX account number : XXXX. 

A XXXX account opened in XXXX account number : XXXX balance {$70.00} A First Premier account number : XXXX date opened on XX/XX/XXXX A XXXX account number : XXXX XXXX opened on XX/XX/XXXX balance of : {$560.00} An account Creditor Name is : Collection Original Creditor is Collection account number : XXXX opened on XX/XX/XXXX balance of : {$590.00} A XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XX/XX/XXXX balance of : {$590.00} A XXXX XXXX account number : XXXX A XXXX XXXX XXXX account number : XXXX XXXX XXXX XX/XX/XXXX balance of : {$1200.00} A XXXX account number : XXXX opened XX/XX/XXXX balance of {$590.00} A list of unauthorized inquiries on the credit report : XXXX XXXX XXXX XXXX date requested requested XXXX XX/XX/XXXX XXXX XXXX XXXX date requested on XX/XX/XXXXXXXX XXXX XXXX XXXX date requested on XX/XX/XXXX XXXX via XXXX requested on XX/XX/XXXX These XXXX have XXXX in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as being mine. These fraudulent accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is is reporting my acct late on XXXX and XXXX. The information is incorrect because my account was never let because they put one month of deferred payment. I need them to update my account to current asap. Thank you.
Product: Debt collection

All XXXX credit reporting agencies are reporting inconsistent, inaccurate different dates of reports last activity dates different charge off dates, Trans union reporting XXXX, experian reporting XXXX, equifax not reporting a t all which is incomplete reporting. For mariner finance account XXXX XXXXXXXX