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

On XX/XX/2021 I noticed a hard inquiry on my XXXX credit report from Barclay Bank. I have never applied for anything with Barclay bank. I have on numerous occasions sent letters to Barclay bank about removing the unauthorized inquiry from my credit report as well as XXXX. I've been doing this for over a year now and nothing has been resolved. This is a form of fraud and I can't see how is it this difficult to be resolved. I also wasn't aware that a bank can just not respond to you.
Product: Vehicle loan or lease

Car was total loss in accident on XX/XX/XXXX. US Bank claims we had a late payment at some point, yet they can not give us specific dates of this late payment. US Bank is continuing to report to credit bureaus as late payments when myself and XXXX XXXX ( the insurance provider of the person at fault ) has told them they have sent payment instead to documenting accordingly. Please advise!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have disputed the accuracy of the bankruptcy listed on my credit report with the reporting agency twice now. Each time they have e-mailed me a decision stating that the entry will not be removed. Twice I have asked for the information used to determine the accuracy of this entry and have not received the information. Under the Fair Credit Reporting Act I have a right to this information. Reference the related section of the FCRA below. I am also attaching the two correspondences from the credit reporting agency stating that the information will not be removed along with copies of the letters I sent and a press release from the XXXX listing the requirements for reporting the judgement. Lastly, I am attaching a copy of a letter from my local county court that states that information is not directly shared or have been requested by the agency. 


611 ( a ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing in my background check. By law as of XX/XX/XXXX 2017, this should n't reflect. This is hurting me from getting a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting I have a car loan with them and it is charged off. I have wrote this company several times sent in documents supporting my claim and the issue is still not fixed they are not responding to any of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to my XXXX credit report that I was over 30 days late on a car payment I was not late I filed a claim for lemon law for that car and XXXX bought the car back because of the problems with the car. The offer was made to buy the car back on XX/XX/2008 I turned the car into XXXX I have no idea why it took them past the 30 days to pay off the the car
Product: Debt collection

I was sent a letter to owe the amount of {$51.00} on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.
Product: Credit reporting or other personal consumer reports

A few years ago I had a collection with XXXX XXXX XXXX XXXX. Once I became aware of the debt I contacted the company directly to make the payment and have this debt removed from my credit report. I was told I couldnt pay it directly and just pay the collection agency. I was further told once i made the payment and it was reported as paid they would remove the account find my credit report. This was over 4 years ago and its still showing on my credit report as a paid collection. Its listed as national credit management. Ive contacted each credit bureau in references to this error and to date it is still showing on my credit report. If the original creditor wasnt going to have this collection removed. Why did they tell me they would. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED A FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EXPERIAN ABOUT THIS ACCOUNT NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF EXPERIAN CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Product: Consumer Loan

I have had XXXX or XXXX title loans with Auto Money in XXXX XXXX, SC. The first XXXX were paid off by another title loan company. But the next XXXX or XXXX have been renewed. About three months ago I got behind and the I was told by Auto Money in XXXX, SC to call the district manager, so I did. I spoke with him and he told me to call XXXX in XXXX XXXX to see what I could pay. I told XXXX that I could pay {$100.00} that day and the other {$370.00} in three more days. He stood right there and said OK, well the next night my daughter and I were at home and a repo company pulled in our driveway and hooked my car up. The driver told me to call the company, so I called the District Manager at that moment and he said yes, we had to take it. I had to pay about {$900.00} and some change to get it back. It took my whole check for about three or four weeks straight. I only have XXXX vehicle and they knew this. Since then I have received a new loan and the first payment was due on XX/XX/2016, well I received a right to cure letter on XX/XX/2016.That is not fair at all. This company is the most complained about company around and something has to be done about them. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. I was alerted through my email that my credit score had dropped that my credit rating had changed from Good to Fair. My score was XXXX it dropped 33 points to XXXX. As of today on XX/XX/2020, it had dropped again. Making my score XXXX. I have been dealing with this company for at least 7 years trying to solve this myself. Every time i get close to XXXX score arrange is drops drastically for no reason. I believe my information has been exposed to hackers and I can't get no information if my personnel information has been exposed .The company is Experian. They have a branch in XXXX XXXX, Ca XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. I do believe at this branch my information has been EXPOSED. I had spoken with customer service and they had told me I had to seek legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account :
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint on the following dates : XX/XX/23 and XX/XX/23. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. I appreciate your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I requested an update on my credit report from Experian because I had requested that old addressess be removed. I have sent a letter to Experian in XXXX, XXXX, and in XXXX as the online instructions mentioned that I can not change name, address and ssn online. 

As of today is XX/XX/2024, when I log into experian.com, my old addresses are not removed as they are deliverable address according to FCRA. I have faxed and mailed a copy of my driver 's license that has my old address along with my SSN card and a current bill that reflects my new address. I will be upload the information on this website to get a resolution.
Product: Mortgage

i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute back in XX/XX/XXXX with Experian for reporting inaccurate information on my credit report. I was denied credit due to them. XXXX  and XXXX  are accurate. Then, XX/XX/XXXX, Experian comes back and say they will not remove or change the information as their reporting agency determined it to be accurate. The information in question is showing an open ch XXXX BK filed in XXXX. That was discharged in XX/XX/XXXX. It is now XXXX and they still can not report correctly. I also had an issue several months ago when I put a fraud alert on my account. Experian some how changed my phone number to one I used about 5 years ago which was not active and was causing issues trying to get a car. I am putting them on notice they have violated my Rights and will be seeking legal damages and legal fees when this goes to court. I tried to get a XXXX XXXX, XXXX Visa and XXXX XXXX XXXX and was denied because Experian was reporting an open BK when it was not open.
Product: Debt collection

I received a call at approximately XXXX hrs on XX/XX/2018 about a debt that has been charged off. The caller, XXXX XXXX has called me attempting to collect debt for other companies who I didn't owe or companies that I never even heard of or conducted business with.
Product: Credit reporting or other personal consumer reports

My information was leaked in two separate data breaches and I was a victim of identity theft there were several attempt made at opening fraudulent accounts in my name through XXXX XXXX XXXX on two different occasions which led to me getting two unauthorized inquiries on my credit report
Product: Debt collection

I had identity theft earlier this year which resulted in someone opening a XXXX utilities acct in my name in XXXX. I do n't and never have lived in XXXX and have never opened an XXXX account. I live in XXXX and have my own utilities account. I 've lived here since I was born in XXXX. I did everything XXXX said to do : Filed FTC report, Filed a police report ( XXXX ), filed credit report disputes, etc. In XXXX XXXX from the XXXX theft dept told me they would send it back to collection if I did n't file and fax them a police report, so I did. That was the final document they needed. I did that and they do n't dispute that I did it I did everything they asked of me.That was almost 3 months ago and never heard anything from them until today I got a call from a totally different collection agency ( Mercantile Adjustment Bureau ) and now XXXX is telling me they wo n't cancel it unless I get something notarized. I have spent countless hours with XXXX doing everything they said, they 've been rude, hung up on me, left messages for supervisors that never call back, I 've calied, called, called and talked with countless people. I was told once I faxed the PR that it would be behind me and it was until they sent to another collection agency. They know it was identity theft and I feel they are harassing me now. Please can someone help me with this?
Product: Credit card

I was made aware by a customer service representative from PayPal Credit on XX/XX/2025 that my PayPal credit account had been closed because of too many returned payments. I saw later that PayPal had sent me a vague email but nothing else warning me about this. I have not had this account very long and have been making payments regularly. I feel unfairly treated and that this is a predatory move. I can afford to make payments over time. My main concern is how this will affect my credit score and I want to make sure I can protect myself from PayPal 's predatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, my information was used without permission and inaccurately which prohibited me from working. My license was reported as invalid for work which indeed it was not and unimportant information was disclosed without consent as adverse violations. I am not prohibited from driving in the state of Florida. 

The law has been violated. I even showed how they were inaccurately reporting thus violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus / reporting agencies have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the agency does not have my written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue why. I regularly check my report, and this time, discrepancies appeared out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The incorrect accounts stayed. Because of this, Im requesting that the documents Ive submitted be carefully reviewed so I can finally stop worrying about these issues once and for all.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX bal. {$120.00}. XXXX XXXX XXXX. {$730.00}. XXXX. bal. {$2000.00}. XXXX XXXX. bal. {$730.00}.
Product: Debt collection

On XX/XX/XXXX I mailed a validation of debt letter to Access Capital Services regarding a debt for XXXX XXXX XXXX that is highly disputed. I disputed this item with the credit bureaus as this debt is almost 10 years old, and that resulted in Access Capital incorrectly asserting this debt is only 6 years old, a clear attempt to manipulate that statute of limitations to continue unlawfully reporting this account. 

The Fair Debt Collections Practices act is clear that they must respond to my validation of debt request within 30 days and prove that this account is within the statute of limitations like they claim it is, to date is has been almost 60 days since my written request and I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Product: Debt collection

I currently have a dispute with XXXX being mediated by the Illinois Attorney General. After I made my complaint to the government agency, and XXXXXXXX XXXX  collection agency at the time, XXXX XXXX excused themselves from this case, XXXX hired Credit Control , LLC, a collection company, knowing the account was " actively in an investigation '' - their own words on my credit report. I told Credit Control this in a phone conversation. Credit Control will not acknowledge that conversation. Instead, they sent me a collection bill and tacked on a {$240.00} collection fee for the first month they have it assigned to them, and before the XX/XX/2024 dispute date on the letter. They sent it almost immediately after I told them that this is a disputed debt. I believe Credit Control adding an almost 20 percent fee to a debt that is verifiably in dispute is an attempt to coerce me. They are coming at me aggressively knowing that this is not a confirmed debt.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri Laws Dear MCA MGMNT CO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the relevant identity theft fraud laws applicable in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that MCA MGMNT CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MGMNT CO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCA MGMNT CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MGMNT CO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX