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

In accordance with the Fair Credit Reporting Act, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I receive an alert on my XXXX app and found that my credit score had dropped XXXX points. I inquired through the 3 credit reporting agencies as to what this was. Then I requested a validation letter requesting documentation of this collections, but I have yet to receive any documents except one collections letter.
Product: Vehicle loan or lease

My husband left me and our XXXX children, all under the age of XXXX, in XXXX. Im a single mother supporting them on my own with zero help from him. In XXXX, I requested a deferment for two payments XXXX XXXX and XX/XX/2019 XXXX to help me catch up and be able to make the XXXX payment on time. I was told by a representative that once I make the XXXX payment, which was behind, that they would send me the deferment paperwork and the two payments would be deferred with no fees to be paid up front since this was a hardship. I paid and never received the paperwork. I called in XXXX and they told me it had to be in before the end of XXXX. I explained I had never received it. I was then told that I had to qualify again. They told me once more that I was approved and no fees would be added. I received the paperwork, signed and emailed back the same day. Last week, I noticed that the due date online still showed as XXXX. I called and was told the extension couldnt be processed because I had to pay {$180.00} in fees up front. I told them that I was told I didnt have to pay that and that it would be waived by management due to the circumstances. The representative I spoke with said she did see those notes on my account and that she would let the deferment department know to go ahead and process the extension. I then get an email today from a XXXX XXXX with the lender and the email is stating again that the extension cant be processed without a {$50.00} fee. Clearly, I can not pay this as the whole point of the extension was because I was behind and needed to get caught up. I was told by multiple representatives, including a manager, XXXX XXXX, that it was approved for two months with no fees. I keep getting the runaround with this company.
Product: Credit reporting or other personal consumer reports

Inquiries are being mis-reported on my credit. There are numerous inquiries that I did not give permission to the bureaus to report on the days that were given. I feel taken advantage of, as the agencies did not do their job to make sure that the information they were reporting to each company was verified.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states that consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX XXXX XXXX a XXXX XXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

After receiving my credit reports, I noticed a fraudulent bill for over XXXX dollars placed by a former landlord on my credit history. My requests for removal via dispute process was denied, reason being amount disputed was verified as correct by the debt collector used by the landlord. Housing Court confirmed this debt is in fact not, correct, and there are no open cases or judgements against me for that amount. This was clearly done as retaliation for me calling our State Health Department which is illegal. Receiving a picture from a former neighbor of men in hazmat suits entering my former apartment verifies that in my view and opinion. This landlord demanded payment yet refused to change my carpets after getting a doctors note as directed and remodeled the entire apartment complex except my apartment contributing to sickness, homelessness and denial of other housing based on fraudulent credit reports.
Product: Mortgage

My husband and I submitted an application to refinance our VA loan through XXXX, a mortgage broker, on XX/XX/2019. The broker requested numerous types of documentation which we provided by approximately the middle of XX/XX/2019. Also, I think it's worthwhile to note that our credit scores are in the high 700 's. At some point, we locked in a rate of 2.75 % which expires on XX/XX/2019. 
I'm not sure exactly when the loan was sent to underwriters at Loan Depot,   but there was a conditional approval made on XX/XX/2019. Since that date, we have received one request after another for information. Every week goes by without a closing date and every week there is another request by Loan Depot. Today they said they needed he mortgage statements from our current mortgage holder which originated in XXXX XXXX 'm pretty sure that origination date was readily available to them within our credit report back at the beginning of all of this and had ample opportunity to request that information before now. 
I think that one of two things are happening here : 1. They are dragging out the length of this loan process so that the 2.75 % rate expires or ; 2. They don't have the monies for funding. 
I appreciate your attention to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has trported an open rental lease ftom XX/XX/XXXX to XX/XX/XXXX XXXX approx i do not know this company and have never given permission to apply or run my credit they are doing business with ESUSU rebt reporting I do not recognize these companies and would not and have not done business with themthey have no ohone number listed
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Experian credit report agency refusing to update they system personal information claim I'm late when my XXXX XXXX  account paid in full dropping my credit score instead raise my score this unlawful activity tampering with records proving false information to harm my credit score so I can't apply for credit im file civil action lawsuits against them keep harming me Score
Product: Credit reporting or other personal consumer reports

This company is in direct violation of the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that collection accounts are a transaction and experience.
Product: Credit card or prepaid card

I have been hit with a $XXXX late fee because my $XXXX minimum payment was not received ON XXXX XXXX XXXX XXXX.  My bank (XXXX XXXX) was closed on XXXX XXXX XXXX XXXX so it scheduled and made the payment on the next business day, which was XX/XX/XXXX.  But that was not good enough for Slate credit card (J.P.Morgan), which says I should have called and made the payment over the phone!!!  The pre-scheduled payment on XX/XX/XXXX was $XXXX, but Slate didn't even say thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain copy of my credit report and noticed accounts i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

There is old information showing on my credit reports regarding my student loan. I have 1 student loan yet, my reports show several loans. Most of which states closed, and there is a late payment remark which is incorrect. I need this fixed and adjusted expeditiously!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANSUNION ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report INQUIRIES : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

Transunion customer service would not help and take care of the negative inquiries reporting to your credit report. From XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX serviced two cards for me : one for XXXX 's, and another for XXXX XXXX. My family is attempting to rebuild our credit, and these two cards had high balance ratios and high interest rates, so they are among the ones we prioritized paying off. 

The XXXX 's card was paid off - approx. {$240.00} dollars against a {$300.00} limit. As soon as the balance was paid down, we received a letter from XXXX saying they had closed the account due to credit score. The credit score had not changed. 

Two months later, we obtained a high-interest rate personal loan to consolidate and pay down some of our debts. One of the debts paid off was the XXXX XXXX card - {$3900.00} owed on a {$4000.00} limit. Three days after paying that card completely off, XXXX writes to inform us that our credit limit has been decreased to {$100.00}. 

With the same loan, we paid off a medical expense card held by another bank, and were successful in satisfying it before the deferred interest charges were applied. The other servicer did not close our account nor drop our credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to add positive payment information regarding my account. They claim that XXXX XXXX   card asked them to delete this information. XXXX XXXX claims that Equifax blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to Equifax and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
Product: Debt collection

In XXXX XXXX, I started receiving calls from a guy that claims his name is XXXX XXXX and is calling from a collection agency named Nationwide Recovery Systems. He claims that I owe {$44.00} to a company name XXXX Limited, but he has no further information about location or phone number for his client.The product is a supplement called XXXX XXXX and its regular price is {$130.00} He offered to settle for {$25.00} which I denied. I told him to stop calling, I never order that product and I was not going to pay anything. 
they called me several times, they claim the debt is for a trail sample ordered on XXXX XXXX, XXXX The guy had a strong accent either XXXX XXXX ( XXXX, XXXX or even XXXX XXXX, but I ca n't say for sure where from ), I did tell him that his accent did not much his name, but I could be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to EXPERIAN and XXXX. By incorrectly reporting this amount to EXPERIAN and XXXX, XXXX is driving down my credit score with EXPERIAN and XXXX. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.
Product: Credit reporting

To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX XXXX # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXX would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

Attached is my credit report. my License and SS card and my dads license and SS card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX  please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call XXXX XXXX XXXX who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX {$6800.00} / {$5200.00} XXXX. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Experian, XXXX XXXX, XXXX HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting or other personal consumer reports

Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Debt collection

Waypoint Resource Group has reported a collections debt in the amount of {$610.00} in my name to all credit bureaus. I never received any phone calls or any correspondence in the mail from them regarding this matter. The company for which they are trying to collect is a cable company with which I currently have an account in good standing. When I try calling Waypoint to talk to them about this matter, I am unable to get through to speak with a human being. They also just recently in XXXX of 2018 re-reported this debt over a year after they had first reported it ( I have previously reported this as inaccurate to the credit bureaus, but it still has not been removed ), so after I reported that it was showing on my credit twice, they removed the older account, and now it is showing that it is only a 3 month old account. This is not an accurate account and needs to be removed from my credit report.
Product: Credit card or prepaid card

My Bloomingdales 's American Express Account, Bloomingdales Store Card XXXX XXXX American Express Account & XXXX XXXX Store Card were closed by XXXX in Excellent Standings & Positive Consecutive On Time Payments updated & reflected by all 3 Creditor Bureaus. The closure of the 4 accounts showed a negative adverse credit ratio by XXXX  XXXX & XXXX. 

The Credit Card Act XXXX says at least 45 days a written advance warning of changes to the credit card accounts holder. Card Companies can close your account without notice If you stop using the card or delinquent in payments which in my case is not the matter. 

Ive called the card customer service twice in XX/XX/XXXX on the XXXX & XXXX when I noticed the email stating the closure and my credit report updating the closed accounts. The representative didn't have a valid answer as to why and recommended me to reapply for a new accounts and incur a Hard Pull on my credit report to reopen? I told them my account was closed in good standings with payments just postings can you just reinstate my account and they told me to wait after 30 days to reapply again. Horrible Business Practice with XXXX.
Product: Debt collection

This account is not mine I've never had any affiliation with XXXX  XXXX.
Product: Debt collection

I have contacted all thee credit reporting agencies experian, XXXX XXXX and XXXX to resolve the matter through usps cerified mail disputing the three collection items on my account for over two years since theiy were placed I always get item verified. 
Second complain they will not remove the address that doesnt belong to me which was a result of an identity fraud they have insisted on information verified as accurate and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Updated : XX/XX/2020 XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX : I borrowed {$6200.00} from Title Max in the car title loan with my XXXX XXXX XXXX XXXX as a collateral. 
After servicing this high-interest loan for nearly two years, I offered a fair settlement to Title Max. I forwarded the settlement offer to the CEO of Title Max XXXX XXXX XXXX on XX/XX/XXXX. No response from Title Max yet. 
I am afraid Title Max will repossess my vehicle.