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

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding my XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit.

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for my XXXX  XXXX Credit card ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with my XXXX  XXXX Credit card ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I left the XXXX XXXX  for ADA reasons. I haven't filed an ADA complaint over this yet but, I'm close to doing so. I don't owe this apartment community anything. I've submitting a XXXX balance receipt several times and it is still not coming off. This makes no sense. It's illegal to list this. it's a federal crime.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I was taken aback by the numerous errors in reporting that I encountered. It was truly unbelievable to witness such inaccuracies. 

I urge you to investigate and examine the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

It is imperative that you rectify these inaccuracies promptly. Otherwise, I fear that my applications for various services may be denied due to these discrepancies. I have already faced rejections from two sources.

Please do not disregard my plea for assistance. I urgently require your intervention to ensure that the aforementioned accounts are accurately reported as being in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

See attatched USAA Response to CFPB XX/XX/XXXX. XXXX XXXX CONFIRMED Total Purchases XX/XX/XXXX {$810.00} Total Merchants Credits {$340.00}. USAA HELD ME LIABLE FOR THE {$470.00} WHY? WHY? see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XXXX XXXX, XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA has NEVER PROVIDED PERMANET FRAUD CREDITS. When I asked usaa where are these permanet credits. See attatched XX/XX/XXXX REVIEW OF YOUR CLAIM USAA CONFIRMS (?? NO FRAUDULENT ACTIVITY??? )
Product: Credit reporting or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 1XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4..XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromvXXXX 7. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12 XXXX BANK XXXX XXXX Bank - XXXX XXXX  Inquiry from XX/XX/XXXX 13XXXX XXXX XXXX Companies - Finance Inquiry from XX/XX/XXXX 14. XXXX  -Inquiry from XX/XX/XXXX 15. XXXX - Inquiry from XX/XX/XXXX 16. XXXX XXXX - Inquiry from XX/XX/XXXX 17. XXXX - Inquiry from XX/XX/XXXX 18. XXXX - Inquiry from XX/XX/XXXX 19. XXXX XXXX - Inquiry from XX/XX/XXXX 20. XXXX - Inquiry from XX/XX/XXXX 21. XXXX - Inquiry from XX/XX/XXXX 22. XXXX - Inquiry from XX/XX/XXXX 23. XXXX Inquiry from XX/XX/XXXX 24. XXXX - Inquiry from XX/XX/XXXX 25. XXXX XXXX - Inquiry from XX/XX/XXXX 26. XXXX - Inquiry from XX/XX/XXXX 27. XXXX - Inquiry from XX/XX/XXXX 28. XXXX XXXX -Inquiry from XX/XX/XXXX 29. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 30. XXXX XXXX  XXXX XXXX XXXX Used Inquiry from XX/XX/XXXX 31. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 32..XXXX XXXX XXXX XXXX XXXX Used inquiry from XX/XX/XXXX 33..SANDYSANSI - Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through Experian and XXXX to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both Experian and XXXX on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with Experian and XXXX with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.
Product: Payday loan, title loan, or personal loan

Ive attempted to call and email Net Credit to bring my loan account current. Net credit never answers the phone nor email me back. Net Credit doesnt have an option online to make payments or update automatic payment ACH information. Net Credit reported me 30 days past due and it made my credit score drop. I have worked hard to rebuild my credit and they need to fix the error. I do have emails to support that Ive tried contacting them. Please help me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously violated my rights as a consumer by reporting information that I never gave my permission to report ( violation of 15 usc 1681b Permissible Purposes ), they have also denied my right to privacy ( violation of 15 usc 1681a Accuracy and fairness of credit reporting ) by reporting items that should not be included in my consumer report in the 1st place. This is also a violation of of the exclusions section of the Fair Credit Reporting Act ) This is the 2nd time I've had to bring this to their attention. The 1st time they did nothing but I will continue to report these violations and pursue the damages owed to me until they've remedied the situation by deleting the requested information off of my consumer report.
Product: Student loan

I have been trying to make a payment to MOHELA for sometime now they keep reversing my payments
Product: Checking or savings account

My checking and savings account with First Citizens bank  was closed without notification a few months ago and a check was sent to me for the remainder in my account. The problem is I was not notified of this and when I received a notice from the post stating I had a letter to pick up I did not make it a priority as I did not know a check was supposed to be arriving via post and so it fell to the wayside. I have contacted the bank multiple times to find a resolution and the most current suggestion as of XXXX was to leave a message for their investigator to determine the location of the check that might have been sent back from the post. I am missing XXXX dollars from this bank and they are failing to do anything to ensure I receive this in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Innovis is reporting inaccurate address that does not belong to me. I just got off with manager XXXX refused to correct my address defaming my character. She instructed me make sure credit agencies have my correct address, which they all do but Innovis. She instructed me XXXX XXXX and XXXX have another address, which is false because they have my correct address. I informed her everyone has my correct address but a Innovis. She still refused and wants me to send in a letter, with documents which is upsetting because I have no driver license and cant get to the POST OFFICE, She refused to give me her last name, and ID number, I respectfully file this complaint to get this matter resolved. Unbelievable Phone call with XXXX at XXXX XXXX central time on XX/XX/2023. Innovis shame on you for refusing to correct my address, wow. 
The correct address is XXXX XXXX XXXX XXXX XXXX Texas XXXX Inaccurate address they have for me : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX Proof XXXX XXXX has my correct address, yet Innovis refused to correct mine.
Product: Debt collection

I was in good standing for years with ALL my credit card companies, but then the three letter agencies put a ban on my online and social media accounts... 
This resulted in my XXXX XXXX XXXX XXXX to be shut down, they were XXXX XXXX, because of this I lost my ability to advertise, thus my business and church were shut down... 
I wrote to ALL but one of my credit card companies requesting a 6-month break in payments to find other methods of funding...

Furthermore, I told them if they gave me that break, I would after the 6-month break pay them payments until repaid in full... 
I also told them if they attack my credit score, they would NEVER get paid at all... 
They ALL attacked my credit score, it went from XXXX?? to current XXXX... 
I was summoned to court by a lawyer, whom I've never met, from a corporation I don't know for an amount almost double the credit limit on the card that matched the last four numbers... 
I found the original credit card corporation sold my account to a third party, and they hired the lawyer... 
As I have no contract with either of these corporations, they are committing many types of fraud : bank, mail, securities, etc... 
I wrote, emailed and faxed the three credit score agencies requesting them to send me the metadata showing the change in credit score over time, " XXXX '' XXXX from credit card corporation " XXXX '' from XXXX... 
I want this information to be fair about the amounts I plan to charge in a lawsuit, XXXX XXXX XXXX' amount per point, per corporation, per month, until the credit score is repaired... 
This has been going on for almost 2 years, I've not received any information I requested... 
Also, as I've never had a contract with the third party, how can they report to the credit score corporations??
Product: Consumer Loan

I received a loan through Santander consumer USA from carmax. I went one month with out having the car in my position from day of purchase. XXXX was unable to fix the to my satisfaction so I then informed Santander that it was a strong possibility that I would not be keeping the car so they moved the car note due date back to give them time. SANTANDER NEVER TOLD ME THAT THEY WOULD BE CHARGING ME HIGH INTEREST CHARGES DAILY!!!!! They informed me via phone that it was n't there job to tell me that!! They are faceing lawsuits in the millions every year because of there sneaky practices an I plan to follow suit
Product: Debt collection

Commonwealth Financial is trying to bully me paying for a false dept that's not mine and also falsely reported this to XXXX claiming the I owe this and rewording it as a LOAN. THEY HAVE MADE MY LIFE A LIVING XXXX. THEY WON'T STOP CALLING AND HARASSING ME. THEY CALL FROM SEVERAL DIFFERENT NUMBERS THE RECENT IS XXXX. Amount there asking for is {$1000.00} From .... XXXX XXXX XXXX XXXX XXXX account number XXXX ....
Product: Credit reporting or other personal consumer reports

Disputed inquiries on my credit report and was not givin information on why it wasnt removed
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding, ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numerous representatives of EQUIFAX repeatedly regarding deletion of an unauthorized inquiry from my credit file with them to no avail. Specifically, on XX/XX/2020 XXXXXXXX XXXX   inquired into my EQUIFAX file without my knowledge nor approval and I wish it deleted ASAP!
Product: Money transfer, virtual currency, or money service

On Wednesday the XXXX I accidentally deposited {$3800.00} to Dave banking and cash app said the deposit was successful again and Dave is saying they never received it. And with the {$490.00} it took 35 days to get it back and I dont want the same thing to happen with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their reporting is causing defamation of character. 
I want them to cease and desist with their defamation of character which is affecting my business affairs. 
XXXX, XXXX AND TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that late payments appear on XXXX accounts where I have never made late payments. This information is inaccurate and is negatively affecting my XXXX XXXX. 

The accounts in question are : XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX No. XXXX. I submitted a dispute to the credit bureaus requesting an investigation into these late payments and asking for proof to support their accuracy. According to the Fair Credit Reporting Act ( FCRA ), the reported information must be accurate, and the agencies are required to correct any errors. 

To date, I have not received valid evidence justifying these negative reports. Since there is no proof that these payments were late, I request that my payment history be updated as on-time and that these incorrect records be removed. 

I appreciate the review of this case and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach and my identity was used. a Personal loan account was created by XXXX XXXXThis account was opened XX/XX/year>.