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

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  XXXX, XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX  XXXX XXXX XXXX, XXXX on XX/XX/2018.I have not informed or recalled of any association with these company. I have contacted XXXX XXXX XXXX XXXX, XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my XXXX, XXXX, and Equifax that are not open lines of credit - I request that the CRAs remove these inquires immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX  : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active XX/XX/XXXX
Product: Vehicle loan or lease

Santander provided information back and is in accurate. They have dates and my name not spelled right. They also continue to deceive people. It 's deception and I was never told about a lot of this info. I have contacted them over and over. I have tried to resolve this without going to an attorney. They are subprime auto loans and should not be a company. They are very rude and also made numerous calls to my place of work.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. 
You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>
Product: Debt collection

This is not my debt, I don't have an account with this company, i don't have a contract with this company, I never signed any agreement or any contract with this company.
Product: Credit reporting or other personal consumer reports

IN XXXX OF 2023 ... ..IT WAS REPORTED ON 2 DIFFERNT CREDIT BUREAUS I WAS LATE WITH MY PAYMENT DUE ON AUTO LOAN WITH AXOS BANK ... ..THE 3RD REPORT WAS REPORTED XX/XX/year>2023 LATE ... ..THIS IS NOT ACCURATE ... ..I WAS REPEATEDLY TOLD IT WAS NOT THEIR FAULT THAT THE MAIL WAS SLOW AND IT WAS DUE TO NO FAULT ON THEIR PART THEY REPORTED THE PAYMENT LATE/PAST DUE ... ..THEY COULD NOT CONTROL THE MAIL ... ..ESPECIALLY DURING THE CHRISTMAS HOLIDAYS RE : THE XX/XX/year>2023 PAYMENT ... ..THEY WOULD NOT GIVE ME ANY IDEA WHEN THEY RECEIVED THE PAYMENT ... ..HOWEVER JUST 2 DAYS AFTER MAKING THIS/ANOTHER PAYMENT VIA TELEPHONE ... ..THEY INDEED PROCESSED THE MAILED PAYMENT SENT FROM MY BANK... ..I HAD TO CANCEL THE PAYMENT BECAUSE OF THIS ... ..ALL PAYMENTS FROM MY BANK WERE ON TIME WITH NO ISSUES PRIOR TO THIS XX/XX/year>2023 PAYMENT ... ..LASTLY IN XXXX OF 2023 ... ..I REQUESTED AXOS BANK TO INVESTIGATE PHONE RECORDS OF ALL THE TIMES I CONTACTED THEM IN AN EFFORT TO TRY AND NOT RECEIVE A LATE PAYMENT REPORTED TO THE BUREAUS! NEITHER WOULD THEY TELL ME WHEN THEY RECEIVED THE PAYMENT ... ..AND I SEVERAL TIME INQUIRED IN AN EFFORT TO TARGET THE ISSUE OF THEIR UNTIMELY PROCESSING OF THE PAYMENT DUE TO AN INFLUX OF OTHER LOAN PAYMENTS OR FOR ANY OTHER REASON THAN IT WAS PROBABLY DUE TO HOLIDAY MAIL ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote XXXX, Transunion, and XXXX credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.
Product: Credit reporting or other personal consumer reports

Multiple disputes have been sent regarding fraudulent accounts on my credit. All disputes were not handles and fraudulent accounts were not removed from my credit. Disputes on cfpb were submitted on XX/XX/2022. These fraudulent accounts have ruined my credit for years and I have sent out many disputes. Its very sad to know that people can ruin your credit and life, I wish this would not happen to people at all. It really hurts. 

XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Equifax- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Experian- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to an inaccurate debt reported on my credit file by XXXX XXXX XXXX, which claims I owe a balance from an apartment lease. This debt does not belong to me, and I have disputed it with the collection agency. Despite this, they continue to report it on my credit report without providing legally sufficient validation. 
The collection agency initially provided an electronic signing transcript as validation, but it does not include a verifiable signature tying me to the debt. This transcript is merely metadata showing signing activity and lacks any authentic, legally binding evidence of my agreement to the lease. Since I did not sign this lease, I have a valid basis for an identity theft claim. 
In response to my dispute, I requested : Immediate removal of the account from my credit report due to insufficient validation and lack of a verifiable signature. 
Proof of authorization from the original creditor allowing the collection agency to collect and report this debt. 
Despite these requests, the collection agency has failed to comply, resulting in an unwarranted negative impact on my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) requirements to provide legitimate validation and cease collection activity when an account can not be authenticated. 
( SEE ATTACHED ) EQUIFAX ALSO STATED IT WAS REMOVED WITH THE PREVIOUS COMPLAINT BUT IT NEVER GOT DELETED FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

paid a balance off on a credit loan on XX/XX/2024 and thinking it would automatically go away. It still shows on my report and yet when i dispute it on equifax 's website they came back saying its verified XX/XX/XXXX when it clearly shows they didnt really do anything. This is clear FCRA violation in accordance with the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( A ) of Title 15, United States Code, and the Metro 2 Credit Reporting Guidelines. Please remove this account because they continue to report it inaccurately. I have the payoff form from XXXX XXXX that i did pay so please help me
Product: Credit reporting

Transunion is reporting the date of birth that belongs to someone else AS ( XX/XX/XXXX ), not mine ... .my birth date is ( XX/XX/XXXX ) Also Transunion is NOT reporting my current and true address of XXXX XXXX XXXX XXXX XXXX , TN XXXX. I have attached my photo ID with my current and true mailing address, please update my file, thanks.
Product: Vehicle loan or lease

On XX/XX/XXXX my account was in default due to being 107 days past due. To my understanding from speaking verbally with a representative, I was advised that I could pay {$770.00} to get the vehicle out of default. Although I was not current I was advised that my account would be put on hold and that a 2 month extension would be applied and to make my next payment as soon as I can. I told the representative I wont be able to make full payments but I can make partial payments which she said was fine. Four days later, I received another default letter dated XX/XX/XXXX. 

As instructed I continue to make the partial payments in XXXX on XX/XX/XXXX {$230.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$300.00} totaling {$730.00}. On XX/XX/XXXX, my vehicle was repossessed. 

I have been trying to dispute and escalate this matter and no one has contacted me or followed up with me to this date. I have called and called because this repossession is in error. The way the payments has been allocated in error has caused this wrongful repossession to occur. I recently gained employment when this occurred and have almost lost my job as a United States XXXX XXXX. Ive lost income and my daughters first year in college has been stressful she is XXXX hours away and I have not had any means of transportation to be there emotionally, physically and financially since this has happened.
Product: Vehicle loan or lease

I have been making automatic payments on my auto loan with TD Auto Finance since I purchased my vehicle last year. My payments have always been on time and in full. 
The bank account from which automatic payments are drawn was compromised, so I had to change bank account numbers. 

I disenrolled in automatic payments prior to my XXXX 2017 automatic payment and instead made a one-time electronic payment for my usual amount of {$300.00} on XXXX/XXXX/2017, my usual payment due date. The payment was incorrectly applied to " principal only '' and not to the actual payment due. I have been assessed a late fee of {$15.00}. 

I do n't know why my payment was applied to " principal only, '' but that was not my intention. 

I asked that the payment I made on XXXX/XXXX/2017 be applied correctly and that the late fee be removed from my account. The customer service representative explained he could make the request to change the application of my payment and to waive the fee, but he was uncertain as to whether or not this could be done. He refused to give me the contact information of the people who would actually make the decision. 

I have attached two documents : 1. my bank statement showing an electronic withdrawal of {$300.00} posted on XXXX/XXXX/17 2. my TD Auto Finance statement showing the correct payment on the correct date incorrectly applied to " principal only '' and not to " payment ''
Product: Debt collection

I was the victim of identity theft and someone rented an apartment in my name using my drivers license, but not my social security number the account is actually not in my social security number it is in someone elses number. This account was turned over to a collection agency several years ago. At that time I notified the creditor that I was a victim of identity theft and I also notified them that this account was not even in my social security number, but it was showing on my credit report due to the fact it was linked to my credit report using the address on my driver 's license. I provided a copy of my police report and other information to prove to XXXX XXXX that this was fraud. I also provided the same information to XXXX. The account ended up being taken out of my name by XXXX, now years later the creditor XXXX XXXX has again sent this fraudulent account out to a collection agency to collect even though they know that it is fraudulent. I have again contacted them to make them aware that again this is a fraudulent account and it is reporting against my credit file. XXXX XXXX has refused to remove this fraudulent account from my credit file. It is illegal to knowingly try to collect on an account that you know is fraudulent. I have provided XXXX XXXX the police report and the fraud affidavit yet again and they continue to be uncooperative by continuing to collect on a debt by intimidation that they fully know is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as welXXXX XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit
Product: Mortgage

I received a letter from Carrington Mortgage Services dated   XXXX   XXXX   XXXX   stating, " Our records do not show receipt of your   XXXX   payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge in the amount of {$0.00} has been assessed. Your total payment amount due is {$470.00} ''.   XXXX   XXXX   XXXX   I sent a response to  Carrington th at the  XXXX  Payment was paid and included a copy of my bank statement for proof. I received a " Notice  of Intent To Fore close '' letter dated   XXXX   XXXX   XXXX  . I received a written response from  Carrington da ted   XXXX   XXXX   XXXX   that states "  CMS find s the written inquiry submitted either does not contain a signature or bears a signature that does not match our records. We have enclosed a copy of the original request for your records and further review. Once you have signed the written inquiry, please resubmit your request for further review ''.   XXXX   XXXX   XXXX   I contacted  Carrington Custo mer Service - Phone #  XXXX  and talked with a representative identifying herself as "  XXXX  - Employee #  XXXX .  XXXX  requested I Fax a bank statement to her as supporting documentation which I did that day with a copy of my bank statement for proof of payments that went back 8 months. I also included copies of my   XXXX   Tax and  Homeowners Insurance pa yments. All signed. I did not receive a response regarding the Fax. I received a letter from  Carrington  dated   XXXX   XXXX   stating, " our records do not show receipt of your  XX/XX/XXXX  payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge of #  XXXX  has been assessed. Your total payment due is {$470.00} ''.   XXXX   XXXX   XXXX   after no response I Faxed another copy of supporting documentation t o Carrington Custom er Service. I went ahead and mailed a payment Certified Mail of {$470.00} to ensure everything was covered while I was dealing with  Carrington C ustomer Service. I than received a Certified letter  from Carringto  XXXX  dated  XX/XX/XXXX  " Notice of  Intent to Foreclose. The  above referenced loan is in default because the monthly payment  [ s ] due on a nd after  XX/XX/XXXX  have not been received. The amount required to cure the delinquency, as of the date of this letter, is {$890.00} less {$0.00} monies held in  Unapplied ' '. As of   XXXX   XXXX   XXXX   I still have not got a response fro m Carrington Cu stomer Service. I recently went paperless billing which was a mistake, as now I have to rely upon "  My Carrington ' ' on line Web site to verify monthly amount due. My account on this site is consistently inaccurate on "  Amount Due ''. Carrington h as now listed my Mortgage account with the Credit Bureaus as 60 days late. I have done everything requested of me fro m Carrington Mortgag e Customer service from the start of this issue but am not getting a response. I need my account corrected, late charges returned, at the Credit Bureaus data corrected. Please see Attached documentation :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. 1.XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 2. XXXX XXXX XXXX BALANCE {$1800.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 3. XXXX XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 4. XXXX XXXX XXXX BALANCE {$1000.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 5. XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 6. XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 7. XXXX XXXX BALANCE {$710.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 8. XXXX XXXX XXXX BALANCE {$990.00} BALANCE UPDATED XX/XX/2023. UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 9. XXXX XXXX XXXX BALANCE {$400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. ALSO AMOUNTS UNDER {$500.00} ARE NOT ALLOWED TO BE REPORTED ON CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent XXXX  a copy of my ID Theft police report. 

These two accounts are listed on my XXXX  report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXXXXXX XXXX XXXX BalanceOwed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX