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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Transunion, XXXX, and XXXX XXXX credit scores are faulty. 
For one, If I am in good standing, they may raise my score like XXXX points, but for one minor oversight that I am able to rectify they drop my score more than XXXX points!! 

Transunion website is keeps giving me error when I request my free credit info and gets tricky to navigate certain areas. 
I have disputed a few questionable credits that are past its legal period All 3 credit reporting sites only provide a limited content message about the debts in question. No actual document of validity, accounts associated with it, itemized interest, fees, payments, etc. 
When Ive disputed charges and debts, I get a short summary that the dispute in question is legit and follows the guidelines to collection practice and so forth without Actually providing documentation. 
This is just one of many other complaints I have with the entire credit reporting sites and their supposed fair practices. 
They are in line with these crooked debt collection agencies and representative attorneys that give you the run around and use statements that tricks you into a binding agreement that should never have been either because no legitimate proof was given or past the statue of limitations. 
All 3 need to be thoroughly investigated.
Product: Credit reporting or other personal consumer reports

Remove all unauthorized hard inquiries from my credit report per 15 USC 1681c-2, as they are inaccurate and damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I received a debit card from Capital One for an account I did not open. I called Capital One the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through Capital One was still in process. I checked my credit report and found hard inquires from Capital One for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I apply for credit it show old I correct address in XXXX not my new one in  XXXX   XXXX and it show my name wrong it XXXX XXXX only also show me o. Some reports as being past away I see XXXX XXXX on my report as one of my name that's my dad which is has been pasted away four years now I need my  information correct
Product: Money transfer, virtual currency, or money service

I filed a complaint with XXXX on XX/XX/year> for a transaction that occurred the same day. First their help topics on their app are very unhelpful. They send you in a circle and almost all their options lead back to their FAQs. One you submit a complaint/dispute they send you a email to try and get you to either close your complain and if you dont respond they close it automatically. We were purchasing a car from a relative whose accounts had been taken over. The perpetrators are believed to have used AI during a phone call to show proof it was the actual person. XXXX promotes its service for its security and convenience but they dont tell you they do little to verify the legitimacy of the account. I couldnt tell how long the account had been opened or see any other information indicating the account itself was or wasnt doing anything suspicious.
Product: Mortgage

I closed on a house located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/year>24. My loan provider was XXXX XXXX XXXX  XXXX. I was instructed to make my first payment directly to XXXX XXXX, and told that the payment would then be passed on to whomever eventually serviced my loan. 

My loan was ultimately sold to XXXX XXXX, and they never received the first payment that was made to XXXX XXXX XXXX XXXX on XX/XX/year>24. I have worked with both XXXX XXXX and XXXX XXXX ( now Supreme Lending ) to resolve this matter. I have received proof of payment from XXXX XXXX showing that I made the payment, but XXXX XXXX is unable to show that they ever made their payment to XXXX XXXX  on my behalf. After months of little to no response, I am unsatisfied with the steps XXXX XXXX ( Supreme Lending ) has taken to resolve this matter, as it frankly seems they have taken no steps to assist in the matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have tried numerous times to dispute this with you to no avail. It is the result of identity theft. 

( XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX {$260.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX {$400.00} Opened XX/XX/XXXX ) ( XXXX  {$250.00} Opened XX/XX/XXXX ) ( XXXX XXXX {$300.00} Opened XX/XX/XXXX ) ( XXXX XXXX  {$460.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  XXXX {$1200.00} Opened XX/XX/XXXX ) ( XXXX XXXX  {$880.00} Opened XX/XX/XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report from the XXXX Police Department and proof of my identity/address. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXXour business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

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

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

A review of my credit report from XXXX indicated that a vehicle loan from the lender Capital One had some incorrect information in it. 

First of all, there is a 30-day past due payment notice which is incorrect. At no time, was a payment past due beyond 30 days. A payment register from Capital One proves that information of being 30-days late is incorrect. XXXX as a credit reporting agency has the same information that I have but has refused to correct this notice. It should be presented that the regular monthly payments were always due on the XXXX of each month. The payment register from Capital One will indicate a payment was made on XX/XX/year>. In that regard, a payment to be made by XX/XX/year> is not 30 days late when a payment was made on XX/XX/year>. 

Second, the credit report indicates there is 'ND ' as in no data to report for payments in the month of XX/XX/year>. Again, the payment register from Capital One indicates a payment was made in XX/XX/year> but XXXX has refused to correct this error. The payment register from Capital One will indicate a payment was made on XX/XX/year>. 

In reference to these two issues, XXXX has had XXXX disputes or opportunities to correct these errors but they have not even though the information I have was downloaded from my account within XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Reporting Crime XXXX XXXX Credit Card Fraud Department Purposely reported incorrect and incriminating information to the three major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my XXXX accounts my wife and I decided to leave XXXX for a new bank. This was after more than 25 years with XXXX XXXX of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable XXXX in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. XXXX fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer XXXX. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than 120 points on all major bureaus. I called Experian immediately and they identified the cause as a report from XXXX XXXX Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from XXXX XXXX and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.
Product: Mortgage

Been trying to work with XXXX since XX/XX/20 to start a loan process. Several emails and phone calls have been made to him to start the process of a possible $ XXXX {$75.00} mortgage we discussed back in the beginning of XXXX. He needs " documentation '' and was to send a list of what he needed last month. I have yet to get this and have left two voice mails and several cyber messages and a text. I have yet to get a response. It has been three months. The house I rent is willing to sell and keeps asking. I even have DPA ALREADY approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to advise that I have been a victim of identity theft and that someone has applied for credit in my name. I requested that 12 Hard inquiries be removed from my account due to this identity theft but the representatives that I spoke with said that they will not remove the inquiries and that they will stay on my credit report for 2 years from the report date. 

I advised that I did not authorized the following inquiries : XXXX   CARD Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX   Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

I am writing to dispute the inaccurate and fraudulent information present on my credit report, which is a clear violation of the law governing credit reporting. There are several instances of misinformation on my report, stemming from inaccurate reporting, incomplete reporting, or the reporting of unverifiable information. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. I urge you to take immediate action to correct and remove these discrepancies from my credit report. It is imperative that you comply with the law by providing an accurate and truthful representation of my credit history. 
XXXX XXXX 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

In early XX/XX/XXXX, PNC bank sent me a mailer with a personal invitation and reference code, inviting me to open a new checking account, to set up a direct deposit to receive {$400.00} bonus. The mailer addressed to me by my full name and specified a personal reference code. I have got interested in this offer and applied for the PNC checking account on XX/XX/XXXX. My application was instantly approved, and already within the first billing cycle I fulfilled the offer terms by setting up a direct deposit of {$5000.00} from my paycheck. However, after 90 days I did not receive {$400.00} bonus as it was promised in the offer terms. On XX/XX/XXXX, I contacted the PNC Customer Service with an inquiry about the promised bonus and received a confirmation that " the Promotional offer that was applied to the account entails that you would be eligible to receive a {$400.00} bonus if you have {$5000.00} of aggregate direct deposit ( s ) within 60 days of account opening ''. The agent also opened an investigation of why the bonus was not received. On XX/XX/XXXX, I was informed that the bonus was in fact denied on the ground that I received a similar bonus from PNC on XX/XX/XXXX and that " new checking accounts won't be eligible for the offer if the customer has been paid a PNC checking promotional premium in the last 24 months. '' I'd like to point out that ( i ) PNC did know for sure the history of my relationship with them when they sent me a personal invitation to open a new checking account and offered me a bonus back in XX/XX/XXXX ; ( ii ) the offer was addressed directly to me and mentioned my full name, and furthermore it said " Offer is available to intended addressee only ''. So it was a targeted personal offer directed to me. 
( iii ) the practice of calling my name and offering me a bonus and then claiming that I'm not eligible for the bonus is deceptive at very least. Essentially PNC tricked me into opening a new account by promising a bonus and then denied the bonus. 

My attempt to contact PNC, explaining the situation and even sending them the pictured of their mailer offer, did not succeed. Hence I file a complaint here.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called LexisNexis several times today XX/XX/2022 to file a dispute. The representatives started taking my dispute and when it seemed to be too many items, conveniently after being on hold for 2 hours said she could no longer process my dispute and transferred multiple times until I was eventually hung up on. Their website does not allow for consumers to create an account to dispute. I am at my wits end simply trying to get a dispute filed with the company with no clear direction.
Product: Mortgage

I applied for a mortgage loan modification with SLS, LLC. The process began over a year ago. After countless phone calls, mails and faxing of my personal information they finally approved a loan modification that was reasonable and i was able to pay it on time. They entered me into a Trial Payment program. I paid it on time every month. I was out of town when SLS, LLC claimed they mailed me some documents that i needed to sign to finalize the loan modification. I never received them, i was n't aware of such documents they did n't call me or mailed me a second notice at all. They did call me about a month ago to tell me that I no longer qualify for the loan modification program because they did n't receive the documents they claimed were mailed to me. I explained to them that I did n't receive them, i searched everywhere in my house, even went to the post office to make sure they did n't have any mail for me. I asked them to please resend the documents and i will sign them and send them back thru certified mail. The representative from SLS was very rude to me and she stated that i no longer qualify for anything at all, and that no one can help me with this and that they are going to proceed with a foreclosure on my house. She said you can fill out another request for a loan modification but that, I will be wasting my time because, I do not qualify for anything. Things happen, mail can get lost, I do n't understand why they refuse to help me, nor understand that the mail could have gotten lost. I have made and continue to make my new modified mortgage payments every month. It makes no sense that they are not willing to help me they rather take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

After talking to my Credit financiers I discovered that this company National Recovery Agency Or The NRA group is not licensed in Florida and there for is not allowed to practice in Florida yet they have reported a debt of {$1100.00} from Florida to the Credit Bureaus.
Product: Credit card or prepaid card

An account was opened in my name fraudulently and I tried to speak with company concerning this issue several times and they insisted that they account was mine and I have to pay in order to have it removed from my credit reports. Lies and more lies kept being told each time I called the company.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft inquires to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Had a BJs wholesale credit card through Comenity Bank, membership renewed automatically for BJa and card was charged. Was never notified that I was billed for the membership renewal on credit card, never sent a bill to house, called or emailed. Card racked interest on late payments that I was unaware was happening until it showed up on my credit check that it went delinquent. Called BJs and settled payment and closed account with them, no longer owe them money, case # XXXX on XX/XX/22. Comenity refuses to recognize this and is harassing me for money and still putting interest on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax credit file I found account from XXXX XXXX services with remaining balance of {$6700.00} and account mark as joint and never had this XXXX account and ask equifax to remove this account from my credit file they open dispute conformation # XXXX after 7 days equifax send me letter that they verified account and failed to provide prove that account belong to me
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.