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

I'm requesting that the Hard Inquiry done by the XXXX XXXX XXXX be removed from my TransUnion Credit Report. It was run under false pretenses and misrepresentation, and therefore without my proper authorization. 
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Their phone number is ( XXXX ) XXXX. 
On XX/XX/24 I contacted the XXXX XXXX XXXX for a personal loan. I requested a {$1000.00} Signature Loan, short term ( 1 yr. ), unsecured. I asked the loan officer specific questions. I wanted to feel certain that the loan would meet all my needs and requirements, as well as XXXX  approval terms. According to the loan officer, the required minimum credit score for a signature loan was XXXX. At that time my credit score was over XXXX. I was guaranteed loan approval, pending receipt of income verification, a valid ID, and one personal reference. Therefore, based on the information I was provided with, I gave authorization to run my credit report and a HARD INQUIRY. Less than 10 minutes later my loan was approved. However, I was extremely upset when suddenly told that a Co-signer was necessary. Prior to authorizing a Credit Check, the loan officer NEVER mentioned the need for a co-signer. XXXX XXXX XXXX XXXX. I would NEVER want, nor would I agree to any loan requiring a co-signer. The loan officer clearly understood this from the beginning. Therefore, I was misled, whether deliberately or not. She had a responsibility to fully inform me of the potential need for a cosigner on a Signature Loan. If I had been told upfront about the possible need for a co-signer, I would NOT have moved forward with the loan, and I would NOT have authorized running my credit report which significantly lowered my credit score. Therefore, this hard inquiry was unnecessary and pointless. It was the result of the deliberate misrepresentation, false pretenses, and poor information provided to me by their loan officer. Again, if I had been provided true, complete and accurate information regarding their loan I would, never would have authorized a credit check and never would have applied for a loan. For this reason, Im asking that the HARD INQUIRY be removed from my TransUnion credit report.
Product: Student loan

I consolidated several  FFEL Stafford unsubsidized/sunsidized/Federal Perkins lo ans taken out over 4 yea rs  XX/XX/XXXX - XX/XX/XXXX into an FFEL consolidated loan for {$27000.00} in  XX/XX/XXXX . For t he next approximately 18 years I was counseled by the loan servicing representatives to defer or forebear the payments with no counseling that the interest is still accruing. It was not until recently I pulled my credit and saw a loan balance of {$100000.00}. I have called and tried to work with them to understand how this happened and how I get it fixed. There is no responsibility being taken by the company that would call me every so often and say " do you want another deferment? '' and never explain this was a very irresponsible choice and educate me on the consequences of those easy yes answers I gave them over the years. I will not be able to pay this loan off in my lifetime. I do however have a family member willing to offer a cash settlement but I have been informed that I can not negotiate. Why? I have spoken to a lawyer and will pursue more options for legal action. We feel this is predatory lending among other types of consumer abuse. Filing this complaint was recommended by my counsel as a first step. Thank you.
Product: Credit reporting or other personal consumer reports

They did not provide accurate documentation! This account Is five years old and I would rather settle to have this removed from credit report before filing a law suit against this company. Please provide correct documentation and stop reporting this debt to my credit report
Product: Debt collection

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Debt collection

I, XXXX XXXX, received notice in the mail from XXXXapital Resource Management , Inc., that I owed a debt on XX/XX/2018. Capital Resource Management , Inc., violated 5 of my federally protected consumer rights under 15 USC 1692, the Fair Debt Collection Practices Act. The violations are as follows : 1 ) 15 USC 1692b ( 5 ) - a symbol/logo was featured on the contents of the letter indicating that Capital Resource Management , Inc., is in the debt collection business, no symbols/logos are to be used ; 2 ) 15 USC 1692b ( 2 ) - my location information was obtained by Capital Resource Management , Inc., in communication with XXXX XXXX XXXX regarding the collection of debt stating that I owe a debt, which is not to be stated ; 3 ) 15 USC 1692d ( 2 ) - language was used in which the natural consequence is to abuse the hearer or reader, " pay in full to prevent further action '' ; 4 ) 15 USC 1692e ( 1 ) - false representation of an affiliation with a State ( the license number provided by Capital Resource Management , Inc., did not exist in the New York State database of the Department of Consumer Affairs ) ; 5 ) 15 USC 1692d ( 1 ) - the suggestion that Capital Resource Management , Inc., furnishes information to the Consumer reporting agencies is harmful to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX  XXXX-Date of inquiry XX/XX/
Product: Student loan

My student loans went into default. I worked with XXXX. XXXX XXXX XXXX to get my student loans out of default. I st up payments with them for a year and then at the year they told me they could no longer help me. My account was then sold to another collections agency with out my knowledge. I have been trying Contact my original loan service to see where the debt had went. They were unable to assists. Said i did not owe. Now my check is being garnished by Collection Technology XXXX XXXX XXXX and when i try to contact them i can never get thru. I have never recieved a bill from the new collecion agency however they were still able to process a wage attatchmnet. I have filled out several applications for loan consolidation and I am not sure which direction I should be headed in and who to reach out for help
Product: Credit card or prepaid card

Comenity - BJ Perks Mastercard automatically charged me the membership renewal and sent me the bill, which I received on XX/XX/20. I called the bank on the same day, explaining that I did not renew BJ membership. The bank representative said I have to speak to BJ customer service and forwarded the phone over to BJ. BJ customer service confirmed that they will send the credit back to Comenity bank ( ticket number XXXX on XX/XX/20. ) BJ customer service also said she will email me ( XXXX ) confirming my account is clear, but I never received any email. BJ also said the refund will take place in 6 days ; so it would have been XX/XX/XXXX. On XX/XX/XXXX I received the 2nd bill from Comenity bank with the original charge plus {$2.00} fee charge. I called Comenity bank the 2nd time, explaining the the whole problem and asked the bank customer service to clear all the balances then close my account. The bank confirmed that the balance was XXXX and closed my account. 

On XX/XX/XXXX I received the 3rd bill from Comenity bank with the balance representing only fees of {$30.00}. I called the bank, spoke to XXXX ( or XXXX ), then XXXX and XXXX. XXXX wasn't able to resolve it because of his authority, which is understandable. XXXX said I have to pay the fees, even though he knows it's not my fault. XXXX finally was able to resolve it by reopen the account and credit back all the charges. XXXX confirmed with me that the account bears XXXX   balance as we spoke. I appreciate XXXX efforts cleaning the mess BJ and Comenity bank created. I want to make sure I won't receive the 4th bill from Comenity bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2020 I called XXXX 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXX 's customer service told me to do.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to bring to your attention a serious matter concerning aggravated identity theft, a federal offense under 18 U.S.C. 1028A. This statute, enacted in 2004, mandates a minimum sentence of two years in federal prison for those found guilty of such offenses. The sentence for aggravated identity theft must be served consecutively to any other penalties for the underlying charges, and probation is not permitted.

Aggravated identity theft involves the unauthorized use of another person 's identifying information in connection with a felony or terrorism offense. Examples include, but are not limited to : Stealing a person 's social security number or credit card information Opening accounts in the victim 's name Using the victim 's information to obtain goods or services Billing a client electronically for more hours than were actually worked Charging a customer for a more expensive product than ordered using electronic payment methods To establish aggravated identity theft, the following elements must be present : The defendant knowingly transferred, possessed, or used, without lawful authority, a means of identification of another person. This could include someone else 's driver 's license, passport, social security number, or other personal identifiers.

In light of this, I am requesting a SSA-89 form from the following creditors and inquiries : Creditors : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$2800.00} Inquiries : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I respectfully ask that these institutions remove any information related to these accounts and inquiries from my consumer report if they are unable to provide the SSA-89 form with my wet signature .

I appreciate your attention to this matter and look forward to your assistance in resolving these issues promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I was recently notified on XX/XX/, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to Transworld Systems Collections. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by XXXX XXXX XXXX appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with Transworld Systems Collections. 

I will be contacting XXXX Identity Works once again to ensure this matter with XXXX XXXX XXXX is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my Experian and XXXX  credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted Experian to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
Product: Credit reporting

To Whom it May Concern : I have an ongoing issue with TransUnion. Macys department store placed XXXX identical negative reporting on my credit file. In fact it only applies to TransUnion. 

Macys account contained around {$200.00} in unauthorized charges that they never investigated and now it grew up to {$700.00}. I have tried to check my account online, but it transfers me to XXXX credit cards. When I enter all the info - it says they have no info about such account existence. I contacted XXXX - no response. 

So I am tried to dispute the accuracy. As a result- they placed XXXX more negative report on my file. So now my report contains XXXX negative identical reports for the same XXXX thing. 

I tried to explain this to Transunion - included screenshots, sent copies from other credit bureaus, showing that the account numbers are the same and amounts/opening/closing dates are the same. Nevertheless, they sent me the same " updated '' report, saying thank you for the concern, both negative reports will remain on your file. 

So at this point I will be filing the complaints with Government agencies, to see if you could help me with it. I dont know if TU does not investigate the cases, or they have too many incoming cases to review, that in the end they dont even review anything at all. Or just the poor training of investigators. 

I have copies from Transunion if CFPB needs in order to pursue the investigation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent or buy own first house and a new car for our military family. All 3 credit bureau has wrong derogatory information that I did not authorized, I am a victim of fraud, now the most recent that I saw thru XXXX XXXX was XXXX XXXX. False report and my personal information being sold by different againes that I'm unaware of. All 3 bureau is refusing to remove these things off my credit report. So I need you guys to fix it we should not have to serve this America country and come home and people has misused our social security numbers and now we can't get approved for us to live. Please help XXXX I can be reached monday thru saturday. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Thanks
Product: Credit reporting or other personal consumer reports

I have repeatedly notified TRANSUNION that they have violated my Consumer rights multiple times under 15 USC 1681 ( B ) ( C ), 15 U.S.C. 1666b ( a ), 12 CFR 1016.4a and 15 USC 1602 ( b ) just to name a few, and have requested for them to remove the disputed items which are in direct violation of my rights as a consumer, and they have refused to respond or acknowledge my request. I have sent all notices via certified mail, both to the CEO and the dispute department, requesting them to resolve this unlawful violation within 15 days, and no response has been given. These credit bureaus seem to think they can just violate our rights at will, and then ignore us when we attempt to lawfully hold them accountable for it. Congress put the United States Code and Uniform Commercial Code in place for this very reason, to protect consumers from corrupt corporations such as TRANSUNION trampling all over our rights in order to create a monopoly over credit scores. This is both unlawful, unconstitutional, and most importantly, unrighteous. 

The disputed items are : HARD INQUIRES : 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 LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


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 reporting, credit repair services, or other personal consumer reports

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : 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 reporting or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ( XXXX ) XXXX Transunion and XXXX I am writing to formally dispute the accuracy of a late payment reported on my credit account with XXXX XXXX XXXX XXXX. According to my records, I have always made timely payments on this account, which were set up through automatic debit to ensure prompt and consistent payment. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information you report to credit bureaus. To validate this late payment claim, I request that you provide documentation demonstrating proof of transaction and showing that I was ever late. If you can not supply this documentation within the required XXXX timeframe, I request that this inaccurate late payment entry be deleted from my credit report as per FCRA requirements. 

Additionally, under 15 U.S. Code 1666b - Timing of Payments, it is stated that : A creditor may not treat a payment as late unless reasonable procedures have been adopted to ensure that periodic statements, including the required information, are delivered no later than 21 days before the payment due date. 
If a grace period is provided, additional finance charges may not be imposed unless the billing statement reflecting the finance charge basis is delivered at least 21 days before the payment due date. 
I request that you confirm that these requirements were met in this case and provide evidence to support your claim. If this can not be established, the late payment entry must be removed from my credit file. 

This inaccurate information has caused harm to my creditworthiness, and I demand this matter be resolved promptly. Please confirm in writing once the correction has been made. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

To support my dispute, I have attached a copy of my XXXX credit report dated XX/XX/year>, which confirms that my account shows no negative information, late payments, derogatory marks, or delinquencies. This further demonstrates that the late payment claim on my account is inaccurate.
Product: Money transfer, virtual currency, or money service

My checking had no fees for payments to oversees merchants, but after making international payment and incurring {$58.00} fee, I found out about updates to the fee schedule on my Visa Debit Card. Upon complaint to the branch manager XXXX XXXX, I am told that the new update was allegedly disclosed to me last year. I found no such information using means of communication available to me, including email, postal and mobile banking application.
Product: Money transfer, virtual currency, or money service

{$500.00} sent twice was taken out of my account on XX/XX/year> through XXXX through my bank. 
It was sent for concert tickets that I was trying to buy from a friend of a friend, but they got hacked and my money was stolen from me and Fifth Third refused to return the money because they couldnt get it back so I just got screwed out of XXXX dollars, even though this is a multimillion dollar corporation.