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

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX a debt was placed on my consumer report. without an writing notice.
Product: Debt collection

The company was double paid when I requested a refund of the payment they sent me 2 payments backs I canceled then they went into my account and tried to take the money back, they were successful, but the payment was not authorized so I disputed the charge with my bank because the charge was unauthorized an the account had been closed
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am disputing an inaccurate late payment reported on my credit report for the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX Account XXXX Date of Reported Late Payment : XX/XX/year> Creditor Name : XXXX XXXX  Account XXXX Date of Reported Late Payment : XXXX, XXXX, XXXX, XXXX XXXX, XXXX Creditor name : XXXX Account XXXX Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they send the required statement at least 21 days before the payment due date. I did not receive the statement in time, and my payment should not be marked late.

In addition to 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802 I request that you complied with this law Correct or remove the late payment from my credit report.

I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 

I trust that you will take this matter seriously and resolve it immediately. 

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

Experian has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called Experian about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.
Product: Credit reporting or other personal consumer reports

I PROVIDED THIS COMPANY WITH A POLICE REPORT AND A IDENTITY THEFT REPORT AND DISPUTED PERSONAL INFORMATION AND ACCOUNTS ASSOCIATED WITH THEFT AND MISUSE OF CREDIT. I COMMUNICATED WITH THE CREDITORS AS WELL AS THE AUTHORITIES. THE CREDIT BUREAU KEEPS ADDING AND REMOVING THE ACCOUNTS ON AND OFF MY CREDIT REPORT. 

THE FOLLOWING ACCOUNTS ARE NOT REPORTING ACCURATELY AND ARE PRODUCTS OF THEFT. 

XXXX XXXX XXXX XXXX THIS ACCOUNT IS A PRODUCT OF MISUSE/THEFT AND WAS REMOVED BUT IS REPORTING DUPLICATED ON MY CREDIT FILE. 

XXXX XXXX XXXXXXXX THIS ACCOUNT IS A PRODUCT OF MISUSE/THEFT AND HAS BEEN REMOVED BUT KEEPS REAPPEARING ON MY CREDIT FILE. 

XXXX BILLING SERVICES- THIS IS NOT MY ACCOUNT I DONT RECOGNIZE THE NAME THE BALANCE AND I HAVE NOT SIGNED ANY CONTRACT OR CONDUCTED ANY BUSINESS WITH THIS COMPANY THIS ACCOUNT SHOULD NOT BE REPORTING ON MY CREDIT FILE. 

XXXX. XXXX XXXX XXXX ACCOUNT IS A PRODUCT OF MISUSE/THEFT AND HAS BEEN REMOVED BUT KEEPS REAPPEARING ON MY CREDIT FILE.
Product: Debt collection

Zwicker and associates is trying to collect a debt I have with XXXX XXXX. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. 
I have been working with a settlement company who told me they would help. Zwicker will not speak or deal with them. I have had horrible stress and illness due to their tactics. 
I was served papers on XXXX XXXX. I responded XX/XX/XXXX. 
XX/XX/XXXX notice of submission was sent. 
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.
Product: Payday loan, title loan, or personal loan

I contacted this company in XX/XX/2022 because I was out on medical leave, was Robbed, also had to get my engine of my car repaired at the cost of approximately XXXX dollars. I was told in XX/XX/2022 that they would stop the interest on the loan. I believe his name was XXXX in the collection department. He told me they would. Well I made a payment of XXXX on XX/XX/2022 only to find out the guy lied. Interest was still accumulated and it just restarted my loan all over again. I called the store on higley to have district XXXX call me. He did call and was to call me back once he spoke with collection department. Then I got covid for the second time in XXXX. I called on XX/XX/2022 to make a solid payment arrangement now that I'm back on my feet and was told it was in the litigation dept. So I called XXXX and spoke with her. She gave me the balance of XXXX and some change and told me it was to late. Well I check with the courts and nothing has been filed as of XX/XX/2022. Also at the time I spoke with XXXX I believe my balance was XXXX and now it's XXXX. I'm trying to make good on the loan but being told I can't even make a payment or set up a solid payment arrangement. To me this is unfair. I have also not received and letters to my address. This is unfair practice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy Federal XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I am unable to complete payments as the site continuously crashes and I can't get through the process without the session reloading. It is awful and I am afraid that it will ding my credit if I am late due to their negligence. I tried to call and the phone line has 1+ wait times. Nelnet is fraudulent and has an insufficient website to manage millions of loans.
Product: Vehicle loan or lease

I have been financing a car since XXXX. The finance company repossessed the car last year. I got the car back before the auction and paid all the fees. They sent a reinstatement package months after I asked them about it. once I completed the package and asked for a follow up they said it was complete. However, the car was not reinstated in my name and therefore I can not get the tags renewed. I had contacted them via email about it and it took them months to get back to me about a reinstatement packet ( Which they failed to mail the first time ). I filled it out and sent back the information they needed within XXXX business days. They have still not provided me any new information or even who to contact everything said has been a dead end where no one answers or i get hung up on. I have been stopped by police stating that the license plate is not associated with the vehicle. So i am unable to do anything with the car. The company westlake financial hasn't given me any answers as to why this hasn't been fixed. I have emailed and called to no avail. They say over email the problem is fixed however it is not. They havent given me any information on what to do going forward. this is really an inappropriate business practice. As I didnt know that the car wasn't registered to my name for almost XXXX whole year. This is fraudulent because this affects my credit if I dont pay however my name isn't even associated with the car.
Product: Student loan

I have asked time and again for XXXX loan forgiveness, only to be denied because my loans are too old or in default. I have been a XXXX for 19 years, and would never change that choice. I have given my life to XXXX our country 's XXXX. Sadly, I have accrued almost {$140000.00} in student loan debt, and will die owing those loans as I can get no help. I was given no counsel when I took out the loans, and besides that, I was very young. The income based repayment plan expects me to pay close to $ XXXX. I can not afford that. The company takes into no account the other bills I have, nor the fact that I do indeed need money to live on as well. I can not get help because I make too much, based on the scale, however, I can not afford the payments either. I need help! The Income based repayment plan is unrealistic and I continue to be denied XXXX loan forgiveness. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid. 

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law.

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA.

If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report.

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena.

Written permission from the consumer.

Legitimate business needs in connection with a transaction initiated by the consumer.

Any violation of these conditions may be a breach of my consumer rights as protected under federal law.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$31.00}, XXXX written off. {$31.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$31000.00} Never had account belongs to someone else. Disputed and no proper investigation within the timelines of my federal rights.
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : **Credence Resource Management ( Account # XXXX ) ** I am unaware of the above-listed account. Please **VALIDATE** this information with the creditors and **PROVIDE ME WITH ANY DOCUMENTATIONS** associated with this account, ( i.e., an **ORIGINAL CONTRACT BEARING MY SIGNATURE** ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have **30 days** to complete your investigation, as per the **FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ) **, and I am keeping **CAREFUL** record of your actions. Failure to respond satisfactorily within **30 days** of **RECEIPT** of this **CERTIFIED** letter will result in a **small claims action** against your company. I will be seeking **\ {$5000.00} in damages** for : 1. **Defamation** 2. **Negligent Enablement Of Identity Fraud** 3. **Violation Of The Fair Credit Reporting Act** You will be **REQUIRED** to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an **online public press release**, including documentation of any potential small claims action. 

- Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter. 

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

My name is XXXX XXXX.. DOB is XXXXXXXX.. address is XXXX XXXX XXXX, XXXX , AL XXXX . I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX  - XX/XX/XXXX  XXXX  XXXX - XX/XX/
Product: Prepaid card

I purchased XXXX American Express XXXX cards online via my XXXX account on the XXXX app. A {$100.00} American Express egift card was purchased in XXXX XXXX and the other, a {$25.00} egift card in XX/XX/2023. Both cards allowed me to make several transactions online ( I made purchases at XXXX, XXXX etc ) and then randomly stopped working out of the blue, getting declined both online and in store despite both of them having remaining balances. The first card bought in XXXX has not worked since early XXXX, and the second card bought on XX/XX/XXXX stopped working the very next day after I bought it. I have contacted both XXXX customer service AND American Express and the only offer of assistance has been from XXXX who reissued the gift card ( S ) to me to see if that might resolve the issue but it did not. XXXX and American Express both confirmed I have a balance on both of the cards however American Express isn't able to offer me any resolution or reason as to why the cards aren't working and they tell me to contact XXXX. XXXX tells me to contact American Express. I just want my money that's on the cards, one has a balance of {$11.00} and the other, a balance of {$15.00} and it has been impossible to get any further help from either company
Product: Debt collection

On XXXX XX/XX/2022, I was contact by United Collection Bureau , inc . They left a message indicating they were a debt collection agency attempting to collect a debt. I am not aware of any debts so i called them back. I provided my name and phone number to somebody named " XXXX, '' and asked what this was about. XXXX then began asking me for personally identifiable information ( date of birth, Social Security Numbers, Address, etc ). I refused to disclose any of this information. I explained that I do not know who they are or why they are calling and will not provide sensitive information to somebody I do not know. They thanked me and wished me a nice day. I then called back and requested to speak with a supervisor. The supervise, " XXXX  '' asked for the same info. I again refused and asked what the call was about. He refused to provide any information. I find this incredibly suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW COMPLAINT! The prior complaint did not fix the issue. 
Please note according to the CFPB website it should have been one inquiry to my credit report and not 3 " hard hits '' under What effect will shopping for an auto loan have on my credit?

" When you apply for a loan and the lender checks your credit, a credit score is created for the lender. Depending on the credit scoring model used, generally any credit inquiries that took place within a 14 to 45-day time span will only count as one inquiry. So its a good idea to do your loan comparison shopping within a short time period to minimize any negative impact on your credit score. '' Since all three inquires happened on the same day. Please correct my report. Since I am unable to attach the report it is as follows : LOW IMPACT.

We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 


from XXXX XXXX What to know Good news! It's a temporary ding and scores usually bounce back in 3 months.

Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 





Inquiry details XXXX Na Inquiry from XX/XX/XXXX Bank + XXXX  Inquiry from Apr XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX I ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX. + XXXX XXXX XXXX + Credit Union This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Due to the Covid-19 epidemic set backs and complications having access to a computer I was not able to respond to the dealerships response to my complaint on CFPB File # XXXX in the allotted time. Below is the description of what happened : On XX/XX/XXXX XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX  XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. - Overstating income for applicant # 1 in the amount of $ XXXX/mo as retirement income when applicant # 1 works full time making only $ XXXX/yr. - Overstating housing expenses of applicant # 1 as $ XXXX/mo in rent when the home is owned free and clear. - Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. - Overstating income for applicant # 2 in the amount of $ XXXX/mo working as a XXXX at an XXXX XXXX when applicant # 2 is a XXXX speaking XXXX   man. -Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX XXXX sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford. 

On XX/XX/XXXX the lender ( Nissan Motor Acceptance Corporation ) not the dealership ( XXXX XXXX XXXX XXXX ) responded to my complaint stating " Please be aware that the credit application Applicant 1 and Applicant 2 signed, states that, they understood and agreed what they were applying for and that they certified that the information on the application was true and complete. '' That is exactly what the complaint is about and how the dealership ( XXXX XXXX XXXX ) altered the credit application and forged my signature to fund this predatory/fraudulent loan. Again I have requested and posses a copy of the credit application submitted to Nissan Motor Acceptance Corporation by XXXX XXXX XXXX and the financial information listed on it is not what I provided and the signatures/initials on it are not mine. 

Because of the fraudulent and predatory sales practices committed by XXXX  XXXX XXXX by altering the credit application and forging signatures to fund a predatory loan I seek the following resolution or will be left no choice but to seek legal counsel regarding this matter where I will peruse the maximum compensation for damages allowed to me by law : *Nissan Motor Acceptance Corporation take the vehicle back and charge back losses to XXXX    XXXX XXXX .

*Complete removal of the credit tradeline from XXXX , XXXX  , and XXXX. 

*Assurance that the XXXX XXXX XXXX Employees involved in this gross misconduct be held accountable to prevent other families from falling victim to their schemes.