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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I'd like to inform you that I contacted the banks and they all agreed to remove the accounts from my file. But Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need these items removed from my file based on FCRA Laws alone : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

Capital One-I had an account with them years ago. I paid it off and asked them to close the account. They instead sent me a new one with an annual fee charge. I asked them remove that and close the account. They said they did-I had already cut up the card. Much later, I received a bill and it had XXXX charges on it. I did n't make those charges. I have sent them a registered letter and spoke to a few people. I get calls daily-I do n't answer them. I tried calling the fraud department and all they do is send me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced m y   XXXX   XXXX   XXXX   XXXX  .T hat was financed with  Automotive Credit Corp  in     XX/XX/XXXX .In  XX/XX/XXXX , I fell  on some hardship after maki ng 26 current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I ma de a payment in   XX/XX/XXXX .T hat was n't updated to the Credit Bureaus that Automotive Credit Corp . reports to.One  of the criteria for Automotive Credit Corp.agreeing to refinance my payment agreement.I had to   make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .Automotive  Credit  Corp.is  reporting my account as a 120 days past due in   XX/XX/XXXX .W hen I made a payment  in  XX/XX/XXXX  as  instructed by Automotive Credit  Corp.which t ook my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual in which the curr  ent st atus is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.Automotive Credit Corp has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as  to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and  XXXX .
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent EQUIFAX a letter to dispute inaccuracies and unverifiable account. They failed to respond. 
" Under 15 USC 1681 b ( a ) ( 2 ) ( a ) in general 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 instruction of the consumer to whom it relates. '' I have not given EQUIFAX consent to furnish anything. Please remove the disputed items in the letter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I tried to request an ADA Title III accommodation. In response, the person at Capital One whom I was speaking to hung up on me. Capital One has no mechanism to respond to ADA Title III requests for accommodation. I requested the accommodation of being able to speak to a representatives supervisor. Without demonstrating my request to be a fundamental alteration, undue burden, or threat to others, my request was denied or ignored. I was then hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX 's XXXX XXXX XXXX XXXX  XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX XXXX XXXXXXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.
Product: Checking or savings account

I went to Bank of America location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made an appointment to talk to someone at the bank they told me that I had to prove that the accounts are in my name .So I gave the bank lots of my documents with my name and social security number.I was told by the bank that I needed to talk to someone in the investigation team from the bank and they asked me if they can put the accounts on hold till they can find out what happened., but I have not been able to get a hold of none to talk to. XXXX XXXX XXXX evicted my husband and I was asked to leave from the home we have been at for the past 9 years. We have no money to have a home. XXXX XXXX has sold our investment of mining equipment and has not gave us a check when she said as soon as I get the check I will send it to my son XXXX XXXX XXXX that hasn't happen at all I have the bank telling me they will help get my funds and still nothing has happen with that either.im living homeless because we don't have any money to rent or buy due to bank of America and XXXX XXXX selling our investment of mining equipment that we paid that was XXXX dollars
Product: Debt collection

I am a XXXX XXXX XXXXXXXX veteran that was having XXXX  problems and reached out to a community service XXXX  or so I was told when I made the appointment.The receptionist told me and my wife they help veterans all the time.I went to the appointment on XXXX and while the XXXX  worked on my the nurse came in and asked me to sign some papers and they could get me financing.My wife and I looked at each other and my wife said the receptionist told us this XXXX  office helped veterans and were a part of the community care network, I said you told me the entire expense would be {$15000.00} I can't pay that amount and the va takes care of all of my community service debt.She explained no and we will bill you for the balance.I said ok got out of the XXXX  chair and left.A week and some days later I got a bill from synchrony bank in florida telling me I owed them XXXX XXXX XXXX.I spoke to the bank and told them this XXXX  clinic is trying to fraud me.I was in the office for 4 hours, the XXXX  grinded and sanded my teeth and after I learned what was going on me and my wife left.I have received nothing else from their office.I mean nothing no teeth no more visits no nothing.Synchrony bank paid them the XXXX XXXX and now I am stuck with the bill.I will not pay for something I never received.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX  ; for XX/XX/2024. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. 

On XXXX I received an encrypted email from TransUnion stating that the inquiry will remain on my credit report for two years. Therefore, I sent out a 2nd inquiry removal letter. The letter includes my rights as a consumer etc ( 15 USC 1681 ). 
Note : For days now, I have been trying to request for an re-investigation on the TransUnion dispute website ; there are no button options to access.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and found several billing errors. The late payments listed don't align with my usual payment history. Please ensure all inaccuracies in my account are corrected and updated. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account indicates a hard enquiry that I did not authorize. 
Details are : Name : XXXX XXXX XXXX XXXX Date of enquiry : XXXX XXXX, 2017 Agency reporting : Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Product: Debt collection

XXXX XXXX XXXX abusive to me XXXX sending me letters they are not showing me the documents evidence of the bill that is sent to me I have copies of the bill it was automated over the computer and I did not willingly try to purchase this product so this letter that their charging me is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid-19 me and my husband experienced reduced hours and job loss which made it hard to pay our car loan from credit acceptance. We explained our situation with credit acceptance and are currently on a reduced payment plan that we have made on time payments on but credit acceptance has reported XXXX late payments on our credit reports which are dramatically affecting it. From the dates of XX/XX/2020 to present. This is predatory and violates fair credit reporting. My credit shouldnt negatively be impacted during Covid 19.
Product: Debt collection

bbt bank truist said i owe {$900.00} i had account 30 years ago paid it off
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX.
Product: Debt collection

The company IQ DATA INTERNATIONAL is trying to make me responsible for an account that does not belong to me however theyre saying now that someone else has paid for the account and paid it off but they still have it on my credit and it does not belong to me I have no knowledge of this account is not my account it dont belong to me and it may be on my credit report due to identity death but the company would not remove it off my account when it doesnt belong to me and someone else obviously almost is account and they are paying for the account but they still are reporting it negatively on my account when theyre saying someone has already paid or settled the account with them but it is still on my credit report and it Never should have been on my credit report believes it does not belong to me and this company IQ DATA INTERNATIONAL is not even willing to remove it off of my credit report.
Product: Credit reporting or other personal consumer reports

A Victorias Secret credit card was opened in my name on XX/XX/XXXX the balance is {$250.00} and high credit is {$640.00} along with a {$200.00} credit limit. I need this removed from my credit report and to freeze it as well. It was last reported XX/XX/XXXX according to XXXX XXXX and XX/XX/XXXX according to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX Firm, located in XXXX, PA, previously known as XXXX and XXXX. I believe this firm has engaged in fraudulent activities that have severely impacted my financial situation and well-being. 

Specifically, XXXX XXXX Firm submitted false documents and affidavits to the XXXX XXXX XXXX in New Jersey. Utilizing these fabricated documents, they were able to secure a final judgment against me. Furthermore, I have discovered that they recorded incorrect documentation in the XXXX XXXX XXXX XXXX, including a fraudulent assignment of mortgage, to create the illusion of legal standing in court. Attached you will find documents created by XXXX from the XXXX of XXXX XXXX firm and submitted into land records. 

Document XXXX - Shows the employee XXXX XXXX as a Document Execution Representative of Ditech. This is the attorney certification to the court. 

Document XXXX - Shows the same employee XXXX XXXX named as the XXXX XXXX XXXX with the authority to assign the mortgage. 

Document XXXX Shows proof that the Law firm XXXX XXXX these fraudulent documents into the XXXX XXXX XXXX NJ XXXX XXXX XXXX 

Additionally, the same documents were attached to the complaint submitted to the court. 

Notably, this firm has a troubling history, having been found guilty of similar actions in the past, which culminated in their report to the XXXX XXXX XXXX Pennsylvania and a name change to evade scrutiny. It is disturbing to me that this firm is still allowed to foreclose on properties associated with government-backed loans. 

As a result of their actions, a final judgement was found against me and my home has been auctioned off. They have been unjustly pursuing me for funds that I do not owe them. My situation has compelled me to file for bankruptcy to stave off foreclosure, with Ditech being included in that proceeding. 

I am confident that I am not alone in facing injustices brought about by XXXX XXXX Firm 's predatory practices. I have attached all relevant documents to substantiate my claims and urge you to investigate this matter further. 

Thank you for your attention to this serious issue. I look forward to your response and actions regarding this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to previous complaints. 
Again, we needed to lift our freeze for a couple of hours to allow us to have credit checked so that we can enjoy our constitutional right, our FREEDOM to do business. 
Events : Equifax login does not recognize our login password. 
We call Equifax - they verify my particulars and request we reset the password We reset the password - Equifax confirm that the password has been changed The login does not work *again* Equifax state that they have a technical issue and ask me to log in after two hours After four hours, I try login. Failed. 
I call Equifax - they want to check my credentials which start with asking SSN, birthday, etc..and then ask " at what date that you last lifted the freeze on your account? '' - I do not know! Equifax refuse access and ONCE AGAIN insists on PAPER PROCESS.. 
AGAIN - THIS IS AN WILLFUL OBSTRUCTION OF OUR CONSTITUTIONAL RIGHT TO DO BUSINESS. We can not proceed with our business unless we submit to a two week (? ) delay to ACCESS OUR DATA that EQUIFAX collects and then monetize. 

LAST POINT : - Equifax now insist that we fill in a form with our Name, Address, SSN, Birth date and SEND THIS INFORMATION BY MAIL! By MAIL? This is sensitive information we DO NOT SEND BY MAIL to NOBODY?
Product: Credit card

On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal?
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the federal credit act 15 U.S. Code 1681i my right has been violated. - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The following complaint number are going over 30 days period. 

the letters was submitted certified at usps. 
tracking number : XXXX return tracking number : XXXX I never receive any answer from experian, its been over 30 days
Product: Debt collection

On XX/XX/, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with AFNI on XX/XX/, showing a balance of {$500.00}. AFNI failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit card or prepaid card

I missed the cutoff times by a few minutes I was going through the mountains in Nevada wasn't able to log on to the internet unti XXXX Nevada time capital one has an unfair cutoff time at XXXX so people in the XXXX XXXX have less time to pay it they got the payment the day it was due and did not post it until one day after I always pay the day it's due and I talked to there reps and none of them care and supervisors are very rude I am never late but because of there early cut off time that's not fair they always get a payment on the day it's due something needs to be done about cspatial one cut off time and business practices
Product: Credit reporting or other personal consumer reports

Upon Checkin my Credit report, I noticed these unauthorized inquires on my credit report and have suitable reason to believe I am a victim of identity theft : 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : Account number : XXXX