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

On XX/XX/year> i received an alert from XXXX XXXX, True-identity, And Experian informing me that there's been a recent change to my credit report! To my knowledge i haven't applied for any new accounts. So i log onto each website concerned, to find these companies [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] have placed Hard inquiries without my permission, I do not know who these people are nor why they have appeared on my credit profile! This is very damaging and needs to be removed!
Product: Vehicle loan or lease

On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by XXXX companies whose name follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Product: Debt collection

Green sky shows a balance on my account of the ORIGINAL purchase amount plus the DEFERRED interest amount. When asked about this, the representative stated " Well, sir, everyone 's account is that way. '' In short, even though it says I have 24 months of a promo period, how can I be sure they will abide by that when " deferred interest '' is literally, already being charged to my account? 

They refuse to change it and, in fact, hung up on me on my last call to them at XXXX this morning when I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XX/XX/XXXX XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy. 

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 or other personal consumer reports

There are hard inquiries on my credit for 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 I did not authorize any of these inquiries they are all in the same year and less then XXXX to XXXX months apart which does not make sense. 
Also I have hard inquiries for CAPITAL ONE ( Bank ) XXXX XXXX, XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XXXX XXXX, XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.
Product: Checking or savings account

On Friday XX/XX/24, my PNC Bank had allowed my debit card payment of {$620.00} to XXXX XXXX XXXX which I did not approved of and I didn't know what this charge was about and I also was signed up for alert and this never happened. Immediately on Friday XX/XX/24 the same day I contacted XXXX XXXX to speak to a customer service agent XXXX, I mention to her regarding this charge and what is it for ... ..she advised me right away that there is no charge in their system for this amount and no purchases and they did not request the payment. Then I immediately contacted the PNC Bank located in XXXX, spoke to a customer service and advised them of this situation, she advised that they could not do anything as it was showing pending and as soon the pending is off, then I can dispute it. This customer service also made an appointment for a PNC Banker to contact me on Saturday XX/XX/24 at XXXX and it did not happen. Folks, my bank allowed this charge to go through without my permission when I signed up for an alert and I was not contacted, I would have said NO. XXXX had stated to me they did not request this payment then who did??? but PNC Bank allowed this payment to go through to WHO??? a SCAMMER. This is outrageous, now that I disputed it, I have to wait 10 days for their investigation which may lead up to 90 days which is rediculous. I am beginning to think PNC Bank caters to SCAMMERS ... ..Please help... .The appointment call never happened, I am filing a complaint to the XXXX  and to FTC for Fraud .
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX XXXX {$180.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} / XX/XX/2022
Product: Debt collection

Zions Dept Holdings contacted me about my over XXXX XXXX XXXX XXXX account XXXX which I had cancelled XXXX  years ago via the telephone and the representative assured me it would be cancelled at the end of the month and I was paid up. Never heard anything from them after that, no notices of past due or anything. Then XXXX files bankruptcy and zions I guess purchases all these old accounts. They pop my credit with no notice and state I owe {$130.00}, which was like XXXX  months monitoring because I didn't follow up after my call and send the notice of termination in writing to XXXX. So XXXX  years after I cancel an account properly and was told it was closed properly by the company I was contracted with, another company buys out their old contracts and goes after me for XXXX  months monitoring because there must be a clause in the contract that says you must submit it in writing, even though the original company said nothing and requested nothing from me, this is fraudulent business practice by Zion Dept Holdings.
Product: Checking or savings account

TCF bank transitioned to Huntington Bank effective today XX/XX/2021. They sent me a welcome packet dated XX/XX/XXXX stating that my account number would change, but did not disclose to me my new account number. Access to my TCF ended XX/XX/XXXX, leaving me without access to my bank account. Huntington stated that I could register online beginning XX/XX/2021 to obtain my checking account number. However this was a blatant lie, they were completely unprepared for this transition and their website does not work. Their automated system refuses to provide me with my account number. I know my account number ends in XXXX as they mailed me a new debit card, thus they have known my new account number for some time but have refused to disclose it to me. When I call in the automated system refuses to provide my new account number, and the hold time is several hours for a representative ( I'm on hold right now and have been all morning ). I would like Huntington to be fined XXXX XXXX dollars for every TCF account they have taken over and failed to disclose the new account number. They should have provided the new account number to me in the mail with their so called welcome packet instead of directing me to their website on a future date, a website that doesn't work. Huntington has caused every TCF customer pain, their transition is the opposite of smooth and simple. They need to pay a fine for their incompetence and negligence. I also feel bad for their employees that have to deal with throngs of angry customers. Please make their board of directors feel some of the pain they have inflicted on all of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading XXXX, XXXX and Transunion are engaging in racketeering activities by way of conspiring with XXXXXXXX XXXX  to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  Customer Service XXXX XXXX XXXX hope this letter finds you well. I am writing regarding my account with you, XXXX ( Credit Card ending in XXXX ), and late payments that occurred in XX/XX/2024 and XX/XX/2024. 

First, I would like to express my gratitude for the excellent service I have received from XXXX XXXX and XXXX XXXX over the years. I greatly value my relationship with your institution and the financial opportunities you provide. I understand the importance of maintaining a consistent payment history, and I take full responsibility for these oversights. 

The late payments were isolated incidents caused by unexpected financial difficulties and family emergency. Since then, I have taken steps to ensure all subsequent payments have been made on time, and my account has remained in good standing. 

In light of my positive payment history and commitment to responsibly managing my account, I kindly request your goodwill in removing these late payments from my credit report. This adjustment would not only help improve my credit profile but would also reinforce my loyalty and trust in your institution. 

I appreciate your consideration of this request and would be happy to provide any additional information or documentation you may require. Please feel free to contact me at XXXX XXXX or XXXX, if you need further clarification. 

Thank you for taking the time to review my request. I look forward to your response and hope to continue our positive relationship for many years to come. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We bought a XXXX XXXX XXXX truck through Ally Auto. It was in a wreck and was totaled. We checked online for the payoff amount to pay it off. We used the insurance payment and our personal money to pay the truck off completely as per what the online amount was. Two years later, they started billing us for an extra {$600.00} and adding fees that are now over {$800.00} that we do not owe. Every time they contact us via phone or email we told them we do not owe this amount and had paid it off, but they will not correct their records. They seem very corrupt and are constantly changing the amount they say is owed. They also told us that while we were waiting for the insurance check that they would freeze the account and not add additional payments or interest, but they kept adding fees anyway, and would not remove them. Now they have put bad credit report on our credit score and sent us to a collection agency.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with a collection and inquiries I did not authorize, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XXXX I submitted a credit report dispute with Experian against an account with XXXX XXXX that was included within my XXXX Bankruptcy on approximately XXXX. 

The dispute was initiated through Experian web portal and submitted with no issues. I within the ensuing days received emails from Experian stating that it would be wrapping up soon. 

On approximately XXXX I received an email from Experian that the results were completed. The results however were not updated to reflect an account that was included within a XXXX bankruptcy that has subsequently been discharged on approximately XXXX. 

XXXX XXXX continues to harass myself with collection calls from outside agencies, and has disallowed any sort of new services unless the discharged amount is paid in full of {$390.00}. ( A subsequent report has been filed against XXXX XXXX. 

On receiving the report from Experian the company instead of changing the account to be included with a bankruptcy allowed XXXX to update the account and add on further months of delinquency further damaging my credit score that I am trying to repair. As well upon further analysis of the Experian report they have allowed XXXX to list the account twice as well as allowing the second instance of the same account to show negative as well which is also further damaging my score. 

This is my last step before initiating a lawsuit against XXXX and Experian.
Product: Credit reporting or other personal consumer reports

FCRA violations : remove accounts that are not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. $ FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

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 Equifax 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 reporting or other personal consumer reports

Im filling this compliant today to inform you, that you are not doing your job, to investigate the inaccuracies of the accounts in my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance {$720.00} XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Balance {$9800.00} CAP XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$410.00}
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft. Im not sure how it happened, but it seems that my personal information was used to open accounts that I dont recognize, and I did not authorize. I did not open nor benefit from them, and I request that they be removed immediately Per FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. This is an incredibly stressful situation, and I would be grateful for assistance. Thank you for your time.
Product: Debt collection

I checked in a rental car with XXXX. there was no damage upon my check in. The next day there was a door ding, probably from another customer returning thier rental car. XXXX wanted me to file false reports with the police, my credit card, and my insurnce company. I refused. they sent me to a collection agency.
Product: Debt collection

Pro com services of Illinois repeatedly kept calling me at all hours of the day and night. It got so bad that I had to change my phone number. I am tired of the harassment. Additionally medical debt is no longer supposed to be on a credit report for more than 12 months in illinois
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an account on my credit report from the creditor XXXX XXXX that is reporting as CHARGED OFF with random months showing '' payed as agreed " in its payment history. 
I DID NOT OPEN THIS ACCOUNT, and I DID NOT MAKE ANY CHARGES ON THIS ACCOUNT. 
i was told by an XXXX  rep that i can not be assisted with this, and there is nothing i could do! 
this account needs to be blocked from ALL REPORTS ASSOCIATED WITH MY IDENTITY asap!
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX I am writing this complaint because EQUIFAX INFORMATION SERVICES LLC , or " Equifax '' continues to furnish and disclose inaccurate, inequitable negative accounts onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. This information has been disputed time again, which has resulted in both the closure and removal of this, " XXXX '' account. Equifax has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer, who has informed Equifax multiple times that this information is inaccurate, inequitable, negative and needs to be deleted. Every time, Equifax has shown blatant disregard and negligence, both willful and negligently. This can all be displayed in CFPB Complaints : XXXX XXXX 

Equifax has violated the Following : XXXX. Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law that regulates the accuracy and privacy of information on consumer credit reports. Under the FCRA : Duty of Accuracy : Credit reporting agencies like Equifax must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Consumer Disputes : Consumers have the right to dispute inaccurate information, and the agency must investigate the dispute ( 15 U.S.C. 1681i ). They must correct or remove any inaccurate or unverifiable information within 30 days.

Reinvestigation Obligation : If you notify the credit reporting agency of a dispute, it must investigate the accuracy and completeness of the disputed item. If its found to be inaccurate, it must be corrected or deleted ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Equifax reinserted a deleted account back onto the Consumer report of XXXX XXXX XXXX, XXXX, without notifying said Consumer. This is a violation of 15 U.S.C 1681i ( a ) ( 5 ) ( B ). Please see, " XXXX XXXX XXXX XXXX ( XXXX ) '', " XXXX XXXX Equifax Information Services LLC ( XXXX ) '', " XXXX XXXX XXXX, XXXX ( XXXX ) '', " XXXX XXXX Equifax Credit Information XXXX XXXX XXXX ( XXXX ) '', and " XXXX XXXX XXXX XXXX ( XXXX ) ''. 

The most recent CFPB Complaint which was filed : XXXXXXXX XXXX  and sent to Equifax the same day, Equifax was in response of this complaint as of XX/XX/XXXXXXXX However, Equifax responded to the complaint on XX/XX/XXXX. Well after 30 days of the Notice. This is outside of the ( 30 ) days allowed for a reasonable reinvestigation period. Please see : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax ( XXXX ) ''.
Product: Debt collection

I am a flight attendant who got furloughed during the pandemic and had no financial means to keep paying rent. Therefore I offered XXXX XXXX dollars to negotiate terminating the lease early but the landlord did not accept and sent the debt to a collections agency who will not negotiate a better option for me to be able to pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XX/XX/XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via XXXX XXXX XXXX. I tried requesting my report using my correct legal name ( XXXX XXXX XXXX ) and all three bureaus notified me that my credit could not be pulled. I also tried using my former name ( XXXX XXXX XXXX ), with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the XXXX   community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.