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

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

DELETED XXXX XXXX XXXX FRAUDULENT ACCOUNT! And XXXX 15 USC 1666b late payments. 
I am giving Experian, XXXX and XXXX the opportunity to correct this mistake. Experian, XXXX and XXXX are in violations of violations of Fair Credit Reporting Act ( CFRA ) ,15 U.S. Code 1681i. A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166. False or misleading. I suffered damages as a result of Experian, XXXX and XXXX misrepresentation. As a result of Experian, XXXX and XXXX violations of Fair Credit Reporting Act ( CFRA ). Please make necessary corrections to my credit report ASAP. See -U.S. Constitution, 1789, Article 1, Section 10. No state shall ... make anything but gold and silver coin a tender in payment of debts ... 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. I have suffered damages as a result of the misrepresentation. As a result of Experian, XXXX and XXXX in violations of ( CFRA ). 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. NON working address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX, I officially refinanced my 2024 car with XXXX. On XX/XX/XXXX, XXXX confirmed that the check with the full amount needed to pay of this car was delivered to Toyota Financial. I have since called Toyota about a dozen times to ask if they received the check. When I am able to get through to a human, they are very unhelpful and state that they are unable to confirm if they have received the check from XXXX. That said, they assure me not to be concerned, because it can take up to XXXX  days to process received checks. However, they told me that I must pay both Toyota and XXXX until they relinquish my car title. For that reason, I had to make a payment to Toyota Financial one week ago. I now have to make a separate payment to XXXX next week. I do not want to keep paying both car lenders with my car title held for ransom. It has now been a month since they have received the check and still no word from Toyota XXXX. They have also yet to send my car title to my new loan holder XXXX. This has been a horrible experience, and Toyota Financial has been beyond unhelpful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion are providing information and have stolen my identity. I have asked them to stop reporting the Social Security Number as it is stated that if you are not a federal employee the social should not be provided and companies are providing the social and reporting inaccurate information as previously started my identity has been stolen and being used without my consent. The information on the report that they are saying is mines is inaccurate and if it is mines as they say it is I have the right to say what is there and not there. I have requested the attached information be removed and all HARD AND SOFT inquires be deleted and blocked and no inquiry should no longer be placed on the report. I am opting out of any further reporting unless I put it in writing that I want it to be placed in the public and or the private. I have full faith in credit and am not being afforded this due to my identity being misused. I am XXXX XXXX XXXX and I want all late payments - cars - Collections and all derogatory information removed and blocked within 3 days and I have sent this information 3 times and you still have it listed with all 3 companies who are misrepresenting themselves as Federal Government requesting the Social also they are all not giving full disclosure letting me know I can opt out- THEY ALSO HAVE A SECURITY FREEZE AND BLOCK ON THE ACCOUNT SO WHWN I CALL IN OR XXXX ONLINE I CANT GET ANY INFORMATION I WOULD LIKE THIS TAKEN OFF IMMEDIATELY They are using the report and my likeness for monetary gain then asking me to pay a monthly fee for them to monitor it when I never gave them authorization to do any of this and or collect information and or furnish data related to me. The FTC REPORT is once again attached and I have fully explained and let the SEC- FTC and CFPB IRS know that these 3 credit reporting agencies are gaining financially off of my Full faith in credit by stealing my identity and reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Closed account early, creditor removed negative remarks on XXXX XXXX XXXX but wont remove it from Transunion like we agreed
Product: Checking or savings account

I opened an account with SoFi on or around XX/XX/2024, in order to receive the deposit account bonus of {$300.00} being advertised. I met all of the requirements in order to receive the bonus, but SoFi refused to make the bonus payment to my account. This is in direct violation of the terms and conditions and is a clear UDAAP violation. 

Additionally, I received incredibly poor customer service and assistance while attempting to work with SoFi directly to resolve my concern.
Product: Mortgage

I purchased a home as a rental property in XX/XX/XXXX. I set up automatic payments ( ACH ) with the lender upon purchase. 
The loan was transferred in XX/XX/XXXX to Select Portfolio Servicing ( SPS ) Company. During the transfer, the ACH payment was not collected. 
SPS did not notify me of this oversight until XX/XX/XXXX. I set up a payment plan in XX/XX/XXXX to correct the missed payment due to SPS 's error upon loan transfer. 
I have paid off the missing payment, yet SPS raised my interest rate to 20 % on XX/XX/XXXX because they state the payment is missing. 
They will not accept that I have corrected their error. 
The Ombudsman will not accept that I have corrected their error. 
I refuse to accept the 20 % interest rate and I have not paid that amount.
Product: Debt collection

I have contacted Convergent debt collection company on my own to resolve a debt that I noticed on my credit report. The debt was originally acquired from XXXX mobile company. Convergent collections company refuses to send me a bill with an account number via mail or email so that I can pay the debt. I have called more than three times a week XXXX XXXX XXXX. I have spoken to the supervisor on XXXX occasion who assured me everything would be handled correctly, and still nothing. I do n't know what else I need to do to get this company to send me a legit bill so I can pay the debt. I am also nervous that if I do send money, they will not properly process it and the debt will remain current.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

I want the fraud accounts removed ASAP!
Product: Credit reporting or other personal consumer reports

On my credit report it is reporting several hard inquires on my credit since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Trident Asset Management is reporting false information on my credit report. I pulled all 3 reports and they are all reporting different information such as dates, account numbers etc. Isn't this a violation of the FCRA? this account has been disputed several times and they have not corrected or removed it. Also, I need some sort of validation pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA and a signed contract from Trident Asset Management stating I owe them the alleged debt. Thank you in advance for looking into this matter
Product: Bank account or service

On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this report already with XXXX but nothing has changed. I have a hard inquiry on my credit report for XXXX/XXXX  but I haven't ever given them authorization to run my credit. I don't have an XXXX credit card but I do have an XXXX account that I order from frequently but still not authorizing them to run my credit. I am completely confused as to how they even have my social security number. I research and found out that XXXX XXXX has changed their name to XXXX XXXX   and that is why it show XXXX XXXX. I believe this inquiry to be fraudulent because anything done without my authorization is illegal. That is my understanding of credit inquiries
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XXXX XX/XX/year>, XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information.

I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent and I have duly conveyed this to NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX  via letters, documents, recorded phone calls, that I also have recorded. 

NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, and civil summons by you and your collection agent, NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ).

NORDSTROMTDBANKUSA ACC # XXXX DATE OPENED : XX/XX/XXXX BALANCE {$680.00} XXXX XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$5900.00} XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$8400.00} I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 

Thank you.
Product: Credit reporting or other personal consumer reports

I had an unsecured credit card with Bank of the west open in XXXX at some point I got delinquent on my account and Bank of The West decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and Bank of the West did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

Bank of the West is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent
Product: Debt collection

On XX/XX/2019 I sent Bank of America the attached letter revoking consent to be contacted by telephone, recorded, or called using pre-recorded automated dialing systems ... which they completely ignored. I have received at least 5 telephone calls from Bank of America starting around XX/XX/2019 multiple times per day, using automated pre-recorded messages, and recording me. Furthermore, I have told them I am represented by an attorney and they ignore this completely. I want this harassment to stop and I want Bank of America to contact my attorney XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX No lawsuits have been filed YET.
Product: Debt collection

Lviv Funding is now reporting on my credit report when it is incorrect information. That have never sent me any notification or tried to reach me. That are reported in my credit reports as opened on XX/XX/2023. That is invalid information
Product: Credit card

I have a Walmart Mastercard. My payment date is the XXXX of the month. XXXX I paid on the XXXX online before XXXX. Walmart immediately recorded the transaction in pending activity for the XXXX making my payment late even though the XXXX was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. 
XXXX I paid my balance in full on XXXX/XXXX/17 specifically using the XXXX/XXXX/17 date. The payment did not post in my checking account on XXXX/XXXX/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This payment had automatically defaulted to XXXX/XXXX/17 in pending activity even though the XXXX/XXXX/17 date was confirmed by the site. I had to again go to pending activity and physically change the date now back to XXXX/XXXX/17 a day later than my original payment. 
Walmart is ripping consumers off through interest fraud. Payment dates are confirmed on the payment page. However on the payment pending page the payment defaults to the consumer 's due date. Payments made on the due date are applied a day later in pending activity so a late fee can be applied. Walmart is intentionally changing payment dates to benefit themselves. Buyer Beware! Take Notice!
Product: Debt collection

Hello my name is XXXX XXXX i'm a young entrepreneur trying to build my business, and credit is very important for my business to grow and this debt is hindering the growth. I have no knowledge of this debt and i have reached out to this agency and this debt still hasn't been removed.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX File Number : XXXX Unauthorized Credit Inquiries Reported by TransUnion : To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the Transunion take appropriate action to rectify the unauthorized inquiries on my credit report.
Product: Student loan

I have been receiving multiple calls a day from the loan servicer, I was put in contact with a male whom supposedly consolidated my loans and brought everything current and have a new payment date for XX/XX/year> but they have kept the past due delinquent and has seriously affected my credit score. I was told once I consolidated all the past due would become current.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurately on my credit file : Incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX XXXX, XXXX The following items are a result of fraud : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian & XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; Bal : {$360.00} ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$6100.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$200.00} ( XXXX  ) XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$18000.00} ( Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. This is a waste of my time, energy and money.