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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX 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 XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I know nothing of the sale of my account no information on how to dispute got a short summary of account etc I feel like the information given and no way to counter violates the collection laws and want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed multiple times and Experian will not do a full investigation into the matter. This account reports OK then ND and then straight to Charge off status. How is that even possible?. The company refuses to update the ND on my credit report or give me proof of the late payment.
Product: Student loan

When I request options for payment plans on the website, it offers me several options such as graduated repayment program, RPAY, etc ... my totals due double up and I would end up owing double of what I owe now. example If I have XXXX left to pay and request to change to new plan my new payment plan would be XXXX total owed and would be owing up until 2029. How is that helping me pay off my loan? I don't think this is fair and yes I am in a higher bracket income but I want to do the right thing and pay this off. How is this fair at all for those of us who worked so hard to get these degrees only to get ripped off and charged higher to request to pay off loans sooner.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act 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 have found inaccuracies on my credit report in relation to 15 USC 16c-2. The inquiries listed were not approved and are negatively affecting my credit. Please delete all unauthorized hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

I am not able to log into my Experian account due to internal system errors on Experian 's side. This is ongoing since XX/XX/2024. 

They provide a phone number to call for technical issues which, when called, can't properly verify who I am and does nothing other than direct you back to the website to complete my task- which I can not access - and does not provide any way to speak with a person who can address the issues on their end and provide a fix. 

This has caused harm as I am not able to obtain any form of credit. What I'm told when applying for credit is that there is an error with Experian and no information can be obtained about me from them, and they therefore can not proceed with my credit application. 

The only thing I can do is write Experian a letter, which I've done, and must now await weeks for them to address an issue that needs to be fixed immediately.
Product: Vehicle loan or lease

I had leased a Hyundai XX/XX/XXXX for three years. Paid all payments on time and took very good care of car. Lease ended XX/XX/XXXX. Returned and they asked me to take another car. I said I could not at this time because of health problems. I had XXXX for XXXX XXXX and have many medical bills. They checked my car found no problems, they gave me a paper for surrender dated XX/XX/XXXX. Just today I received a bill for XXXX. dollars for a disposition fee.They said it was in the contract which I had signed. They wanted the payment in 15 days. I explained my financial situation with medical bills and I could not pay. The girl I spoke with said this was in the contract I signed and wanted to know if my doctor said I could not drive. I said I could but I have many medical bills and could not take another car. Now I am upset and do not know how I can pay now.
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. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and TransUnion to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and TransUnion and XXXX received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my XXXX and TransUnion reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and TransUnion enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent accounts and inquiries listed on my credit report, which I believe were created as a result of a data breach. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed from my report to prevent further misuse of my personal information and to ensure the accuracy of my credit file. 
Please delete the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Automated message saying " any information will be used for this purpose ''. 

Message is cut off, not clear, no information is provided on who they are trying to contact, reference, account number, etc. 

The phone number they call from does not match their business number. 

Do not have any outstanding debts with Argon Collection Agency. 

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

I previously reported that these inquiries are not mine, but they remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a litigious consumer who has been violated by the credit reporting agency known as TRANSUNION LLC. after 4 attempts starting in XXXX of 2020 through XXXX of 2020, i have sent to transunion llc certified letters with proof of my identification, address, etc. etc, asking them to remove erroneous, and unverified accounts on my credit report, and to no avail each time they have continued to violate the FAIR CREDIT REPORTING ACT, that states under ( section609 ( a ) ( 1 ) ( A ) and ( section611 ( a ) ( 1 ) ( A ) that they have a copy of the original creditors documentation on file to verify that this information is mine and correct, in all four of TRANSUNION LLCS. RESPONSE LETTERS. they stated in writing that all of these erroneous items on my credit report had been verified, without any proof to me ( the consumer ) furthermore they failed to provide me the method of verification as required under ( section611 ( a ) ( 7 ) i also advised them that under the fcra ( section611 ( 5 ) ( A ) that they were required to PROMPTLY DELETE ( ALL ) INFORMATION WHICH CAN NOT BE VERIFIED, the law is very clear as to the civil liability and remedey avail ; able to me ( section 616 & 617 please assist me in this matter for TRANSUNION LLC. TO COMPLY WITH FEDERAL LAW, and remove these unverified accounts from my consumer report thank you
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I applied online for the Chase Southwest credit card. I was denied for having too many accounts with chase. I have a checking, savings & Amazon credit card with them. The Amazon card was originally offered through another bank, XXXX if i recall correctly. 
My fianc, applied for the same Chase Southwest credit card, and she was approved. 
Here is my grievance ; I have a higher credit score & earn more than she does. I believe that my name was profiled for being a XXXX name. My fianc does not have a XXXX name.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding ongoing difficulties I have experienced with accessing my Equifax account. Today, XX/XX/year>, I called your customer service line at XXXX because I was unable to log in to my account. 

After waiting on hold for approximately 45 minutes, I was connected with a representative who attempted to assist me. She stated that she needed to verify my identity before proceeding. To do so, she sent a text message containing a link where I could upload a picture of my driver 's license and a photo of myself. 

Despite following her instructions, she informed me that she was unable to verify my identity. She then requested that I send a copy of my ID, Social Security number, and a letter explaining the reason for my call to resolve the issue and gain access to my credit report and credit score. 

This is not the first time I have encountered this issue. I have been attempting to resolve it for the past two months without success. I am currently in the process of purchasing a home, and timely access to my credit information is critical. The repeated delays and lack of resolution have caused significant frustration and inconvenience. 

I am requesting immediate assistance to resolve this matter so I can access my account without further delays. Please let me know what steps will be taken to address this issue and provide a resolution.
Product: Mortgage

Have an 11 year payment history, paid as agreed to Citi Bank XXXX. Currently showing on my credit report as 2 months paid only, and that a bankruptcy occurred inXX/XX/XXXX. This is adversely affecting my ability for home financing on a purchase contract closing XX/XX/XXXX and must be corrected asap. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Wells Fargo reporting delinquent payments This account has been sitting idle for XXXX years On XX/XX/2024 I traveled to XXXX SC XXXX XXXX and personally closed this account. I was issued a cashiers check for checking account in the amount of {$170.00} and a second for savings for {$3.00}. Leaving {$370.00} line of credit which the bank said would return to Wells Fargo as unused. They are claiming they transferred funds into my account which is closed. Now every time I use my XXXX cards I get alerts for potential transactions to be declined. 
I did everything they asked me to do. All Wells Fargo accounts were closed. 
Thank you for your assistance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. It is now over 60 days and I have yet to receive a response. I feel as if I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days so the items should be removed promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. This is totally unacceptable.
Product: Credit card or prepaid card

Chase bank is changing the terms of our credit card agreement, but the terms are all in legalese and written for lawyers. From what I can make out, they are arbitrarily assigning some things to be counted as " cash transactions '' but it's unclear what those are, in what circumstances that might apply, and so for. 

They state that I have the right not to accept the changes, but when I call in as directed they say they will close my account and destroy my credit. I've been with Chase since they bought Washington Mutual bank in the XXXX financial crisis and have otherwise not had issues with them ( and opted out the last time they changed the terms to force arbitration instead of class status for a dispute ), so I'm trying to figure out this opaque notice and them threatening to close my account if I don't acquiesce. 

Now I'm afraid because I contacted them and said I wasn't comfortable accepting the new terms that they will close my account anyway. What I really want is clarity but the phone operator couldn't provide it at all.
Product: Checking or savings account

Im highly disappointed in Bank of America for falsely denying my claim. Ive had recently encountered my sister that I was roommating with stealing my personal information to steal money from me. She has filed my taxes for the last XXXX years, which gave her access to all personal information including social security number. When I filed for edd unemployment, I didnt receive my first card. When I received my second card, I called to activate it & bank of america informed me that there was a card active. I then asked for purchase information and they informed me that Theres been multiple XXXX transactions on the account. I was so confused but most of all scared. Money was being stolen from me. I was only staying with one person, this same person which was my sister has all of my identification info. She has created a XXXX account under my name, added the bank of america edd card to XXXX, to send thousands of dollars to other accounts as soon as my money hit my card. Then proceeded to also steal my middle class act refund debit card to make purchases. I called bank of america to dispute XXXX  transactions just for them to deny my claim. I will attach several screenshots of my sister going back on her word, I will also attach screenshots of her trying to get me to play as my dad to fraudulently pick up phones from XXXX XXXX XXXX since me and my dad shares the same name. She has also used a debit card of mines before and called the XXXX number to dispute transactions herself and left a statement to call representative stating that she has falsely used the debit card thinking that it was her dads, which is not true because in order for her to activate my card she needs to give my entire social security number. A total amount of {$14000.00} has been stolen from my through XXXX because of my sisters doing. Bank of america has done nothing to help me, in fact it only took them 8 days to justify that I have authorization for someone to use my card which is also false because I NEVER RECEIVED MY CARD. When I did receive my card, I did emergency XXXX XXXX transfers off of my card just so my money wouldnt not be stolen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have SEVERAL addresses listed on my account. I should only have XXXX address on my account. Please assist me with this so that my credit report is a reflection of MY credit report and no one elses. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX  XXXX, XXXX XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help thank you.
Product: Debt collection

I get calls from Portfolio Recovery almost every day. I do not have any debts in collection. My credit file does not show any disputes. This company has no reason to continue calling me.
Product: Credit reporting or other personal consumer reports

It seems my credit file has been compromised once again. Upon reviewing my records, I noticed several items that do not belong to me. Through diligent research, I found that under Section 605B of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine, and I request their immediate removal. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX