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

I was alerted by the credit monitoring service XXXX that a hard pull was done at TransUnion ; the name of the creditor doing the pull was not disclosed. I should also say that I have been getting a lot of mysterious calls from what appears to be scammers asking me for a bank account to deposit funds into, but that is another matter. 

In any case, I contacted first TransUnion customer service, and then executives of TransUnion : XXXX XXXX XXXX XXXX to get this removed, but these executives have refused to assist me after repeated attempts to contact them, only giving me a telephone number which is basically customer service ( and thus useless ).
Product: Credit reporting or other personal consumer reports

I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX  with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current Experian and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX  Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I filed disputes on all my credit reports, for transition, XXXX, and XXXX For a charge off that should have been removed because XX/XX/XXXX makes 7 years since the XXXX delinquent payment. They are not removing the item they just keep saying they updated info. I have XXXX more items suppose to fall off in XXXX and XXXX this year. Hopefully I don't have to complain again about this. The account was for XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to Experian, XXXX, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The XXXX online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 

XXXX XXXX XXXX XXXX XXXX Account : XXXX. 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It statesa consumer reporting agency can not firnish an account without my written instructions. 
I submitted a complaint with the XXXX  and the Attorney Generals Office. The Collection Agency is volating my rights and costing me dearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.
Product: Credit card

Violation of Title 15 Adverse Action : Denial of My Right to Credit I, the consumer and natural person, was denied a credit increase by Capital One when I applied for the XXXX XXXX XXXX XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692K. 

Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof I was discriminated against by Capital One due to the response I received. ( Please see denial letter ). 


Capital One is in direct violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was NOT issued. 


Furthermore, my social security number ( as known as MY credit card ) was used and I received NO benefit. This is further proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.

If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold a home mortgage with Wells Fargo, and they have been on autopay up until XX/XX/2020. Wells Fargo offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or companies did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont remember having an XXXX XXXX credit inquiry on my report dated XXXX it should not be there.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA, Income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charge off account listed below. XXXX ( account number : XXXX ). After checking my most recent report, the account was purchased by XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender.Please send the 1099 -C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Huntington Bank SEVERAL times and was told by XXXX XXXX this fraudulent inquire would be removed. That was back in XX/XX/XXXX, it is now almost XX/XX/XXXX and they have yet to remove the inquire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in a dispute request for all 3 credit bureaus ( Equifax, XXXXn XXXX XXXXn ) to update the XXXX balance to {XXXX or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXXE verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card from the XXXX XXXX XXXX went to a charge off and collection on a {$300.00} credit limit card in 2017. It was reported as a charge off on experian and transunion and closed. 2 years later I paid the XXXX XXXX XXXX  XXXX XXXX credit card {$360.00} on a XXXX limit Which ten charged me {$420.00} in late fees which is absurd and should be a crime. So I just didnt think that was ok after I already paid {$62.00} in late fees on top of original XXXX limit. I am XXXX and have XXXX XXXX and surgeries throughout this ordeal with neurological problems. The bank was very confusing and social worker couldnt even get in touch with collection agency because they changed twice. So numerous times I disputed this info with experian and transunion explaining I paid them {$360.00} the past year so instead of changing status of credit account on report They allowed a new collection agency consumer adjustments to add a new collection account to both my reports from 3 years ago on a closed charged off account. This is ridiculous Im trying to get my score up and as soon as it goes up a bit they allow a collection put in my report from 3 years ago that was paid not on original debt and original late charges but for and additional {$360.00} in late fees unbelievable Im XXXX on XXXX its hard for me to follow all these deceptive ways these companies work
Product: Credit reporting or other personal consumer reports

please remove and delete these two XXXX XXXX  accounts from my credit report. my information was exposed in the data breach which caused these accounts to be opened in my name without my knowledge. The first account with a balance of {$4600.00} was opened in 2022, and the second XXXX XXXX account with a balance of {$6100.00} was opened in 2022. By understanding my right to privacy under the Fair Credit Report Act, I did not authorize these items listed. I demand these items be removed from my credit report. I understand the creditor bought debt without my wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C Sec 1681i ( a )
Product: Vehicle loan or lease

On or about XX/XX/2021, I logged on to Credit Karma to view my credit score, as I do on a regular basis. On the Dashboard overview of my credit report summaries, Credit Karma suggested that I apply for refinancing of my auto loan due to my high-interest rate. It was stated how much I would save each month, which would be significant savings. I was excited about this because my student loan monthly payments were due to start again at the beginning of the year. When I logged onto my Credit Karma account that day, I was not shopping for auto refinancing. 

I believe there were three auto refinancing companies to choose from, each showing their interest rate and my new monthly payment. I chose the company called AutoPay. The options shown made me believe that I was already pre-approved for auto refinancing. I thought this must be due to a large percentage already paid off on my original car loan in a short amount of time and my timely monthly payments. 

I received an email from Auto Pay on XX/XX/2021 giving me their loan findings. They sent my personal information out to several other auto financing companies and all the companies pulled a hard credit check on me. AutoPay said they could not approve me and try again in the not too distant future. They acted like this wasn't a big deal and try again. I was devastated because I believed I was already approved for the refinance with a lower interest rate and monthly payment.

Credit Karma was and is still posting that my auto payment is too high and to refinance my loan with AutoPay.

I am submitting this complaint due to misleading advertising practices and not making it clear that AutoPay is not an actual loan company but just an auto loan broker. Therefore, my personal information was sent to many other auto refinancing companies. They placed hard inquiries on my credit reports and I am still receiving denial letters from these companies.
Product: Credit reporting or other personal consumer reports

There are inquiries i dont recognize that i need removed immediatley. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I got on my credit report and it said that my s.s number was on there and I am getting all kinds of charges on different things and I am confused myself. I need this fixed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> American Express XXXX c/o CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, American Express does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursue legal action to have this information removed from my credit report. 

Exercise my rights under the arbitration agreement linked to this debt. 

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within XXXX  days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that American Express will act in accordance with federal law to resolve this issue expediently. 

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

My previous employer was XXXX XXXX in XXXX XXXX, XXXX, and I was gired as a XXXX. I awent to a training course with them for 3 months. They told us that I could make good money but I found out if Im on the bottom of seniority then I would have to work in the XXXX  as a XXXX XXXX XXXX earning only XXXX  dollars per hour. Also, thier employees are very agressive therefore I didnt like that environment, so I left the job on XX/XX/XXXX. They told me that I have to pay them XXXX thousands dollars for the course I went through with them, I accepted, but they told me that another agency gon na call me later for that. I waited for 1 month, noone called me, So I called the human recourse manager and thier head quater office about the issue, they told me that they have no information about it, therefore I thought they forgive me and not pursuing collecting the XXXX grands anymore. Approximately around XX/XX/XXXX a human resource manager from XXXX XXXX in XXXX  called me and asked me to pay of the debt within 30 days and asked me if I receive any letter from them, I said No, I didnt receive and I moved to XXXX XXXX, XXXX  for new employer I was shocked because I wasnt prepare for it, how could I come up XXXX  grands within a month, so I negotiated with her that if I could make monthly payments ; she said ok and transfer my case through a debt collection agency. She didn tell me if I go through this debt collection agency then it would hurt my credit score ; And i have been trying to reach out to her to ask her for the debt collection agency so I could start making payments but she seem like postponing and procrastinate, and seem like she didnt care about my credit score. Three months later after May she finally give me the phone number for debt collection agency and I started making payment at the end of each month since XX/XX/XXXX, I set up automatic payment so they can just take money out from my checking account. I have been making payments on time. But the true problem is they reported faulsely that i was late because they sent a letter to my house in XXXX, I didnt receive it and I have been reaching out to them right after I qut the job, they caught me off guard and unexpectedly out of no where and demanded for XXXX. Also on XX/XX/XXXX they should have taken money out feon my bank at the end of the month but it came out on the XXXX  of XXXX   instead, I called the agency and told me that it would take server days for it to be processed, but when I called XXXX and XXXX, they said these things would hurt my credit score badly, I have never missed any payments in my entire life and now this XXXX XXXX and Merchant medical Devt collection agency hurt my credit score badly. Please help me take off this bad name debt collection off from the 3 major credit bereaus. Thank you. The following are thier phone numbers : 1 ) XXXX XXXX, the human resourse manager named XXXX  ( XXXX  ) XXXX 2 ) Meechant Medical Debt Collection Agency phone number ( XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

A small {$500.00} line of credit account was opened in XX/XX/XXXX with my primary bank at the time, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The account was paid on time, paid as agreed until it was closed by my request in XXXX of XXXX. As of XXXX, I discovered that Equifax was reporting blatantly inaccurate and false information about this account. In XX/XX/XXXX, I filed a series of disputes with Equifax and contacted the data furnisher, XXXX  by phone. After a series of failed attempts to correct the information, I filed a formal dispute with XXXX in XX/XX/XXXX by mail. Attached are the results of the disputes with XXXX and with the CRA, Equifax. All attempts to resolve the reporting errors through the formal dispute process were unsuccessful. XXXX stated in the letter dated XX/XX/XXXX, that the account was updated to report as paid and closed however Equifax 's reporting of this account remains riddled with errors including reporting this account as too new to rate. 

The account reporting errors as recorded by Equifax currently include, but are not limited to the following : Reporting the account status as " Too New To Rate, '' reporting the close date as XXXX, when the account was closed in XX/XX/XXXX at the request of the consumer, High Credit was {$500.00} for which the balance at closing was {$0.00}, Date Reported should reflect soon after the account was closed in XXXX, not XX/XX/XXXX. 

This complaint is being filed for the purpose of resolving the errors currently reporting on this account and to bring attention to inadequacies of the CRA dispute process.