23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon attempting to obtain housing I was denied the ability to move into a new home due to this account reporting on my consumers report. I have tried to resolve this matter with each credit bureau and was disregarded. I have never knowledge of this account nor did give this company permission or my written consent to furnish anything on my credit report. Without my written consent and my permission and my knowledge would be considered identity theft. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 Section 604 ( A ) section2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thave NOT given my consent nor have I given or received written instructions to furnish this account. I am being taken advantage of From XXXX TransUnion and XXXX and they are violating my consumer rights.
Product: Credit card

This has been a ridiculous experience with an extreme level of disrespect I feel that they need to be exposed called to order a jumpsuit the agent did not tell me he was ordering the jumpsuit. I asked for Supervisor. She intern got on the line because I had a coupon for a discount. I end up calling because I didnt receive my order. They told me I had two orders and I was like I did not authorize the agent to charge my card for the first jumpsuit, it became a big fiasco. I talked to a supervisor in the US. She was like oh dont worry about it. Well go ahead and give you a credit for one of the jumpsuits just return the jumpsuit. I called and got the barcode to return the jumpsuit, she told me I would not be charged that she had already credited my account. I called in. I got a bill I made the payment and I made it on the XXXX. They end up charging me a late fee of {$35.00}. I called to talk to a supervisor that was extremely rude. You can listen to the cause retaining to the jumpsuit and the Supervisor car I paid you again {$37.00} and you guys said I paid you on the XXXX shes gon na say after Eastern standard time I live in in Illinois now youre sending me another bill for {$35.00} which means I dont paid you more than what I was paying for jumpsuit not charged with authorization for an item that I returned that I dont even have this is insane after Im done with this. Im closing the account. Ive been a customer for over seven years. I barely use the card purchase the item for a party and this is turn into a disaster fees that you keep charging me. XXXX XXXX  needs to be exposed to this as well as their customer service
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. 
XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 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. 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, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

This was removed off of my credit report due to my identity theft and magically reappeared recently after it was proven there were fraudulent charges on my account with no resolution. My account was locked with XXXX  so my identity would have to be shown or proven and there were 4 fraudulent XXXX  added to my account and my account was changed without my permission in any way and they didnt do anything about it so I switched providers! How did it verify it was deleted off my credit report and now its there again?
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears.

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX   and XXXX.

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. 
I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by United Revenue and XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XX/XX/XXXX Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XXXX XXXX XXXX  Collection account. {$480.00} past due as of XXXX XXXX XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}
Product: Debt collection

I'm registering my complaint against Convergent Outsourcing. This collection agency has reported with XXXX XXXX XXXX that I have a debt with XXXX XXXX in the amt of {$800.00}. This debt had appeared on my credit report about 2-1/2 years ago, and I disputed this debt on the grounds that I did not authorize service at my residence back in 2015. The XXXX XXXX debt was " Deleted '' by the collection agency that had purchased the debt from XXXX at that time. Now a NEW collection agency, has placed the " Deleted '' debt from XXXX on my report once again 2-1/2 years later. I am requesting that Convergent Outsourcing remove the XXXX XXXX debt from my credit report immediately. Convergent Outsourcing is also misrepresenting the debt, as if they purchased the debt from XXXX XXXX. It is very clear that this debt was already sold to another collection agency about 3 years ago. Furthermore, Convergent Outsourcing " NEVER '' sent me a notice of this debt " prior '' to reporting as a collection on my credit report.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX - XXXX SERVICE XXXX, XXXX XXXX XXXX, BANK XXXX  XXXX XXXX XXXX XXXX XXXX CRED XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

1st Franklin Financial - XXXX XXXX, GA ( 3 ) 1st Franklin Financial - XXXX, GA ( 2 ) 1st Franklin Financial - XXXX, GA ( 1 ) My approved loan was transferred to this location on XXXX. It was done by XXXX XXXX, Regional, after I had problems with the XXXX, GA office location. 

I have been in constant contact with XXXX XXXX. I had to submit my documents only. It was approved. 

XXXX XXXX contacted me on XXXX20 later in the day and said that the loan was not approved. Same company I was discriminated against and given incorrect information. XXXX XXXX tried to change her involvement after I was denied at the XXXX XXXX, GA location. 

This is my complaint. 

This company has denied my approval. I was approved in XXXX, GA. 

This company is SHADY. Seek legal advice and know your rights.
Product: Credit reporting

To whom it may concern ; As of yesterday ( XXXX XXXX & today XXXX XXXX, XXXX ), I was notified via my Experian credit monitoring that ( XXXX ) inquiries were pulled against my credit report. The following are the companies that pulled them ; XXXX - XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX, XXXX - XXXX ( Credit card ) First off, I have called and spoken with both vendor 's concerning these inquiries. With regard to XXXX, I spoke with ( 3 ) different people in different departments and the common theme of all of them was that they do not see that an inquiry was pulled. They did confirm that a soft inquiry was pulled yesterday XXXX XXXX, but stated they were " positive '' that a hard inquiry was not requested. This is obviously a fraudulent inquiry to which I want disputed as such. 

With regard to XXXX, they stated that they can not remove the inquiry because it was initiated online. I was told by their department that if it was done over the phone versus online, that they could have removed it accordingly. This of course makes no sense to me. I would in turn like to dispute this as a fraudulent inquiry as well. 

To say that I have had a lot of difficulties with XXXX over the past month is an understatement to the degree that as of this morning I also filed a CFPB complaint against them for the number of inquiries and the apparent fraudulent activity on my account. 

Please feel free to contact me with any questions or concerns or if there is anything that I can do to better help expedite my request. I can be reached at XXXX absolutely anytime. 

regards, XXXX XXXX XXXX Credit file # : XXXX DOB : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking XXXX XXXXXXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681
Product: Credit reporting or other personal consumer reports

I'm writing to discuss a problem I found on my credit report. It says status / condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

This Credit Company has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the only time I applied for a XXXX XXXX XXXX XXXX Ashley furniture credit card XXXX XXXX XXXX XXXXXX/XX/year> and was approved for all XXXX that's all but the other XXXX inquiries are not accurate and it's fraudulent there's XXXX for the same date of XX/XX/year> it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being submitted in light of XXXX XXXX response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus EQ, XXXX  and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened.

Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Product: Student loan

I applied with XXXX  to have my private loans discharged because the school shut down. The XXXX XXXX XXXX XXXX  XXXX and all of its associates are being sued for misconduct and scamming students into loans they couldnt ever pay back. They promised jobs and career opportunities that didnt exist. The degrees were worthless. The interest rates on the loans should be XXXX. Many were approved to be discharged and I was denied. There is no reason for my denial. They gave me vague reasoning. The stress alone that XXXX  and attending this school has even affected my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX/DEPT OF ED Last reported XX/XX/XXXX {$20000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 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 writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 XXXXonsumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern.

Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, Equifax and XXXX about an account that is deemed ( fraudulent, inaccurate and or unverified ). The account ( XXXX XXXX ) was initially removed from all three bureaus however XXXX and Equifax have reposted the account to my reports. I have submitted all of the necessary documents to have the account removed. XXXX and Equifax are continuing to report an account that is not legally verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I received a credit monitoring notification that a collection agency ( XXXX XXXX XXXX ) had reported an account attributable to me to TransUnion. This is despite me maintaining active fraud alerts on all my credit reports. 

I immediately informed TransUnion that I had no knowledge of this account and have never done business with XXXX XXXX XXXX or the claimed creditor ( XXXX XXXX ). I have absolutely NO DEBT and I do not owe either of these entities {$10000.00}. 

Furthermore, I never received any written, oral or electronic correspondence from this collection agency, who has violated the law by reporting this false information to a consumer credit reporting agency ( U.S.C. 1006.30 ( a ) ( 1 ), debt 'parking '. This collection agency has yet to make contact with me about this purported debt. 

I submitted this dispute to TransUnion ( by certified mail ), who soon after claimed that its investigation 'verified ' that the data was accurate, and reflective of my 'educational ' debt. Furthermore, it even associated 'updated ' the incorrect information to strengthen its association with my personal credit file. 

My student loans have been paid for years, and this has been reported by all major credit bureaus ( including TransUnion ). 

I have since re-submitted the dispute, with extensive additional documentation ( attached to this complaint ). 

I am a first-time homebuyer preparing to make the biggest purchase of my life. Suddenly having over {$10000.00} in fake debt parked on my credit report significantly disrupts the financial goals I have worked so hard to achieve.
Product: Checking or savings account

On Saturday XX/XX/XXXX, I visit the ATM inside the XXXX at XXXX XXXX XXXX XXXX, I try to deposit two XXXX XXXXXXXX bills. The ATM did not deposit it into my account. I talked to a banker who submitted a request to have that corrected. Its been 4 business days and my funds are still not in my account. I called today, they said it could take 7-10 days. Thats not acceptable. It should not take that long to locate my funds. This is people money they are losing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.