23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX My wife had to have a procidure and my regular insurance did not cover it and the Doctors office while my wife was there told us about Care Credit, So we proceded to give them our credit information for the procedures that came to {$3000.00} and when we finish were aproved and the terms as to there promo was 24 months payment of {$150.00} wich included interest for a total of {$3600.00}, During our payment Schedule in XXXX, we came in to the pandemic and care credit C/S call us to see if we wanted to take advantage of a one month payment deferment and we accepted and no mention of penaltys, We continued to make our payments untill XX/XX/XXXX and further, In XX/XX/XXXX, after making the payment we called Care Credit C/S because we notice that we had made all our payments and we should of had no Balance and they proceded to tell us that we had a penalty of {$2000.00} for not paying or making our last payment on time in XX/XX/XXXX All thought our last payment was to be in XX/XX/XXXX because they gave us a one month deferd payment as mention before about the pandemic.Now as mention ( Check off ) before above we have tried to resolved this with Care Credit and there BANK, with no success, We will try to attach our recipts and our payment records with this form if not we shall mail and hope that your office can assit us in this matter .. T/Y
Product: Debt collection

DCI called a few times to collect an old debt. They told me if I paid in full right at that moment they would remove the item from my credit report completely. So I paid over the phone. The item is still on my credit report and they refuse to remove it.
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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I attempted to order my 12-month FCRA credit report from Equifax. I followed the CFPB 's instructions and called XXXX-XXXX-XXXX. 

I was connected to an automated system. Several times throughout the call, the automated system was unable to understand me, including being unable to understand my name or how it was spelled. I was eventually asked to enter my SSN. After I did so, the automated system asked me to confirm correctness, by purporting to read back the number to me. However, instead of reading back the number to me, I only heard silence, so I pressed 2 ( to indicate that the read back was incorrect ). After trying three times the system informed me that I could not complete the request of the phone, and disconnected me. 

I called back and tried various ways to reach a representative, including pressing 0 several times. I concluded there was no way to reach someone to report the problem. 

I tried calling Equifax to obtain a report directly. Equifax indicates that credit reports may be ordered by calling XXXX-XXXX-XXXX. However, this is also an automated system. I pressed 1 to request a report, then 1 again to request a free report. An automated message played back and asked me to call XXXX-XXXX-XXXX ( the number I had originally dialed ). I was right back where I started. 


The FCRA provides ( 15 U.S.C. 1681j ) : ( a ) ( 1 ) ( C ) In general. The Bureau shall prescribe regulations applicable to each consumer reporting agency described in section 603 ( w ) to require the establishment of a streamlined process for consumers to request consumer reports under subparagraph ( A ), which shall include, at a minimum, the establishment by each such agency of a toll-free telephone number for such requests. 


The relevant CFPB regulation provides ( 12 CFR 1022.137 )  : ( a ) Streamlined process requirements. Any nationwide specialty consumer reporting agency shall have a streamlined process for accepting and processing consumer requests for annual file disclosures. The streamlined process required by this part shall : ( 1 ) Enable consumers to request annual file disclosures by a toll-free telephone number ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I obtained my credit reports from XXXX, Transunion, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiries Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXXXXXX XXXX - XX/XX/XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the FTC to investigate this matter and take appropriate action to rectify the unauthorized inquiries on my credit report. I also request that TransUnion be held accountable for any negligence in reporting accurate and up-to-date information. I appreciate your prompt attention to this matter and look forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to PNC BANK, NA for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate account on my credit report that was due to identity theft. XXXX   and XXXX  both removed the account but Experian did not. 

I submitted multiple disputes and included proof of deletion from the other two bureaus but still Experian did nothing. 

This issue is holding me back from purchasing a home, and I have submitted over 10 disputes and not nowhere.
Product: Debt collection

I have repeatedly called the debt collection agency to pay my debt and left a voicemail, during their regular business hours, and they have not answered or called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute several time with transunion about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. Transunion has been notified and still refuses to remove this information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX today, I found on my Credit Karma report for 2 vehicles listed in my report that ARE NOT MINE!!!! Please remove at once off my report. Send me new updated report immediately. 
XXXX XXXX XXXX XXXX Vin : XXXX XXXX XXXX 4 door XXXX AND XXXX XXXX XXXX Vin : XXXX XXXX Registered XX/XX/XXXX. These are not my cars and NEVER were my cars.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer credit report from XXXX XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 2. [ XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 3. [ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 4. [ XXXXXXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 5. [ XXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 6. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 7. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 8. [ XXXXXXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 9. [ XXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 10. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 11. [ XXXX XXXX XXXX - XX/XX/XXXX ] Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 12. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 13. [ XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B
Product: Checking or savings account

Td bank claims I own them money for a checking account that was opened under my name I never have lived in XXXX XXXX XXXX XXXX XXXX nj XXXX I live in XXXX XXXX XXXX XXXX New Jersey XXXX td bank dont have my drivers license or information that was used they must get rid of this account as it is in collections and affecting my ability to open up a bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I went into the Wells Fargo XXXX XXXX in XXXX XXXX, CA to assist a friend who is unbanked cash her CA gov't stimulus check. She is XXXX and is low income. The bank would not cash her check nor would it allow her to sign the State of CA issued check over to me so I could deposit and give her money out of my own funds. The manager XXXX was very rude and not helpful, and the employees of the branch were also very hard to work with. The lack of help the branch gave to someone who is unbanked and to me a customer for over 27 years was horrible. Wells Fargo does not care about low income people or those who are trying to help them in these tough times for many.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15. U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have been receiving multiple emails and letters in the mail from multiple company stating that my information has been used in the security breach. I have things on my credit report that I never heard of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have 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 2, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section states no consumer reporting agency may make any report containing any of the following items of information, any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years.

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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXXA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian - The following inquiry were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and XXXX on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( XXXX  : XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX ; Penatgon Federal Credit Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity XXXX have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis Credit Bureau has 5 mistakes listed on my credit report in the OTHER CONSUMER INFORMATION section of the report. 

They are as follows : 1 ) My name is spelled wrong. It is not XXXX XXXX. I have never gone by that name legally. 2 ) My current address is not listed. I have lived here for over 2 years. 3 ) The last XXXX digits of my XXXX are incorrect. They are not XXXX. 4 ) My birth date is missing. 5 ) My telephone number listed is wrong. It is not XXXX XXXX XXXX XXXX.
Product: Debt collection

VIOLATING MY RIGHTS UNDER FDCPA AND FCRA law. I do not owe such debt. This is a fraudulent account open without my consent. I feel violated. I asked for a wet signature and a contract that failed. THIS DEBT IS NOT VALIDATED I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT.

VALIDATION - The action of checking or providing the validity or accuracy of something.

15 U.S. Code 1692 ( b ) ( 5 ) - Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

15 U.S. Code 1692j - Furnishing certain deceptive forms
Product: Checking or savings account

Wells Fargo closed my account after money was deposited they said it was fraudulent
Product: Debt collection

I paid this bill about 2 years ago and it is showing on my XXXX file that it is still in collections and my XXXX file is correct showing that I paid it and is off my file. I tried calling revenue recovery to explain the situation, but they said that it is closed and that I would have to call XXXX to clear it with them. I called XXXX and they are asking me security questions that I have no idea about so they ca n't do anything for me but to fax a copy of my id and social security card and to explain the situation. I 've been having to deal with this for awhile now.
Product: Student loan

I submitted a request to change my payment plan to the new XXXX plan and my account was placed in forbearance. I requested my account to be taken out of forbearance and continue making payments while the XXXX payment plan application is being processed. 

The reason I didn't want my account to be in forbearance is that payments made while the account is in forbearance are ineligible for the XXXX XXXX XXXX XXXX ( XXXX  ) Plan. 

My account was placed in forbearance starting XX/XX/XXXX through XX/XX/XXXX. I submitted XXXX requests ( on XX/XX/XXXX and XX/XX/XXXX ) to remove the forbearance. I made the payments for XX/XX/XXXX and XX/XX/XXXX while my account was still in forbearance. 

I had called MOHELA a couple of times about the forbearance being removed and I was told that due to processing delays, my requests to remove the forbearance haven't been processed yet. 

I was told that once the requests are processed, they'll be effective as of the dates I requested the change from, that the forbearance would be removed effective in XXXX since I requested the removal of forbearance on XX/XX/XXXX the first time. 

On XX/XX/XXXX, I followed up with MOHELA and I was told that the request submitted on XX/XX/XXXX has been processed on XX/XX/XXXX ( after the forbearance ended on its own ). XXXX became eligible for XXXX but XXXX isn't, the removal of forbearance hasn't been retroactive to XX/XX/XXXX as I was told. MOHELA said there's nothing they can do.