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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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: Mortgage

Shellpoint Mortage, XXXX SC increased my monthly mortgage payment without notifying me in writing or by email. The increase was for the impound account. Dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payment are reflected on my credit report. However, my typical monthly payment was deducted from my account on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Once I understood that increase I paid all the back amount due. My report should not reflect their incompetence.
Product: Vehicle loan or lease

On the date of XX/XX/XXXX, I applied for an auto loan by extending my credit to NFCU. I did the consumer transaction thinking that I was in good hands, until it came to my attention that the bank committed fraud. The fraudulent activity that I am referring to is the finance charge. It is very dissatisfying that NFCU committed fraud since I am the original creditor and extended my credit for the consumer transaction pursuant to 15 U.S.C. 1692 ( a ) ( 4 ). The finance charge is what I believe deceived me into thinking I was making a good decision with the transaction. Pursuant to 15 U.S.C. 1605 the finance charge is the sum of all charges. The payments gave me a lot of trouble during the year XXXX ( Covid-19 outbreak ) because of the lack of work as well as the virus itself. In addition, the effect the payments had on me took a toll on my mental health because, I went into a XXXX, I was not able to provide for myself as well as help my mother out with her rent. Also, the inconvenience of it all is what caused me to not have confidence in myself to get a job because I couldnt afford a haircut, gas for my car, or interview clothes to even see if I could get an essential worker job. Therefore, since the insurance was not included the contract is void pursuant to 15 U.S.C. 1605 ( a ) ( 5 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below
Product: Credit reporting or other personal consumer reports

I have 6 Hard inquiries that I Have no affiliation with these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX, XXXX Account XXXX XXXXXXXX XX/XX/XXXX bal. {$1200.00}, XXXX, XXXX Account XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$790.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

There is a name on my credit report that I have never been associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
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 confidentially under 15 USC 1681. 

XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit card or prepaid card

Credit card was opened in my name not by me. A lot was charged on card all not by me. 
{$9900.00} at the moment. I filed a police report in 2017 and spoke with there fraud department and sent a police report. The credit card company has not called me about any of the payments but they have really lowered my credit score with the charge off. and as of today it still shows up on my credit report as a charge off that has lowered my credit score over 100 points.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts 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 card or prepaid card

This is with Wells Fargo XXXX XXXX credit card. I recently applied and received this new card with promotion of 18 month 0 interest on APR of general purchases. 

On XX/XX/2017, I had a cash advance of {$850.00}, with understanding of cash advance will not have the 0 interest promotion, I paid {$1000.00} right back three days later. And I thought based on regulation, any payment above min payment will go to higher interest debit first, which in this case will be applied to the cash advance first. However, on XX/XX/XXXX, there is a {$8.00} cash advance interest posted in my account. When I called Wells Fargo, they said unless I pay the total current balance of the whole card ( which includes general purchases which should have enjoyed 0 interest, there will always be a balance for my cash advance. So apparently the {$1000.00} I paid was not applied to the higher interest balance. Is Well Fargo 's practice lawful?
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XXXX, XXXX payment and scheduled for six months. Repayments started in XXXX, XXXX. Beginning in XXXX, XXXX XXXX, XXXX reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of XXXX. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several XXXX employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, XXXX removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to XXXX 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

I paid balance in full on XX/XX/XXXX. The money was withdrawn from my checking account on XX/XX/XXXX I was given a confirmation number saying the account was paid in full in the card was canceled. I still have the confirmation number but I just got a bill of the mail for an additional {$53.00}. When I called them they took off XXXX dollars of late fees which never should have been added in the first place because it wasn't late. And they added additional interest charges which shouldn't have been added because there was XXXX balance
Product: Checking or savings account

I have 3 accounts with capital one. Two accounts have my name on them and the third one has my husband and myself as account holders. Because i have one account in the negative they are freezing my husband account .this account has over 3,000 in federal funds fromFema and a court ordered check from my bankruptcy trustee. We were hit by hurricane Harvey and receive damaged. We need to fix our home and do n't have the funds to do so because capital one has frozen our money. The second account that i have on my name is in the positive but was closed by capital one deliberately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to address inaccuracies on my credit report and the inadequate handling of my disputes by the credit reporting agencies and XXXX XXXX XXXX XXXX. 

XXXX. Inaccurate Reporting of Late Payment : My credit report incorrectly states that I was XXXX  days late in XX/XX/year> on my XXXX XXXX XXXX XXXX account, while the reports for XXXX and XX/XX/year> indicate on-time payments. This discrepancy suggests an error in the reporting. Under XXXX XXXX. XXXX, creditors must ensure accurate reporting of late payments. I have disputed this with the credit reporting agencies twice and requested an investigation. To date, I have not received a thorough response or any documentation to substantiate the late payment claim. This incorrect reporting negatively impacts my credit profile. I request immediate correction to reflect on-time payment for XX/XX/year>. 

XXXX. Discrepancies in High Balance and Credit Limit Reporting : XXXX XXXX XXXX XXXX adjusted the high balance on my account but failed to update the credit limit to reflect its reduction to {$500.00}. As a result, my report inaccurately shows that I exceeded my credit limit. This error directly affects my creditworthiness and debt-to-credit ratio. Additionally, the last payment dates and balances vary across the XXXX major credit bureaus, highlighting further inconsistencies in reporting. 

XXXX. Erroneous Payment Amount Reported : My credit reports state that I made a {$1100.00} payment on XX/XX/year>. However, my bank records confirm payments of {$200.00} on XX/XX/year>, and {$73.00} on XX/XX/year>. If the {$1100.00} payment were accurate, my balance would be XXXX or significantly reduced. Instead, my balance remains over the credit limit. This misreporting raises questions about the accuracy of the data provided by XXXX XXXX. 

Attachments : TransUnion, XXXX, and XXXX credit reports highlighting the inaccuracies. 
XXXX  records showing the actual payment amounts made on XX/XX/XXXX and XXXX, XXXX. 
Request for XXXX : I demand the following actions : XXXX correction of the late payment reported for XX/XX/year> to " on-time. '' Update the credit limit on all credit reports to reflect the {$500.00} limit as of the adjustment date. 
Provide documentation to support the claim of a {$1100.00} payment or adjust the reports to accurately reflect the payments made. 
Rectify all discrepancies in payment history, balances, and credit limits across the XXXX credit bureaus. 

Failure to address these issues promptly will leave me no choice but to seek legal action to ensure compliance with federal law and protect my credit profile. 

Thank you for your immediate attention to these matters. I expect a timely resolution. 

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

I XXXX XXXX XXXX have contacted Equifax several times ( via telephone ) over this past year in an effort to update my address, remove all other addresses and phone numbers associated with my credit report with appears incorrect on my equifax report, to no avail.
Product: Credit card

I have a Capital One Credit card that has a XXXX balance on it. Capital One charged a {$59.00} annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a XXXX balance. Capital One charged a late fee and and report a XXXX day late to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXXXXXX XXXX should not be reporting on my credit report. I reached out to the original creditor via XXXX and was informed that XXXX tried to contact the company twice, but the company failed to respond. Why would I trust a 3rd party collection agency whom I've never signed anything without validation from the original creditor? My personal information has been compromised many times, and without validation from the original creditor, how can you be sure that this debt is mine? Was there proof of my ssc and id on record? There were no copies sent to me if so. I have attached the proof of no response from original creditor. The invoice is attached for your company 's violation, and payment is to be remitted to the address on the true bill/invoice along with the deletion of this account. The original account was never verified ; and this account can not continue to report on my credit.
Product: Credit card or prepaid card

I put a downpayment of {$2300.00} using my Discover card on XX/XX/XXXX, to an online education through XXXX XXXX XXXX XXXX.and to be scheduled to attend training event due to commence this year XXXX and the future which was canceled due to the FTC shut down. XXXX  which is a global internet company and I started receiving ongoing business training nearly every week and including monthly newsletters about how to grow your business and achieve customer acquisitions in XX/XX/XXXX. I tried to contact XXXX  after I learned that they were shut down by FTC but no luck, I contacted Discover to dispute my payment due to XXXX can not deliver anymore & all the basic learning are useless since XXXX is out of business. Discover stated that unfortunately, they can not help me with the dispute and suggested to find other resolution outside their company.
Product: Credit reporting or other personal consumer reports

I noticed another account on my report i do not recognize. XXXX XXXX XXXX for {$2000.00} opened in XXXX  I have disputed with XXXX XXXX  and trans union to no avail I have supplied ftc report to support my claim Please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is decreasing my credit score for paying my bal. to zero. I spoke with several membership dept. Reps. on XXXX XXXX I was told they couldn't help me. I pay my monthly credit card on time every month now I've paid this card balance down to zero, that is active and I use every month. Now my credit score is decreased by -6 due to paying this opened and paid on time every month credit card. They told me to not pay down monthly balance to zero. Because their system is sensitive and it's thinking this account is closed. I'm like really.. make it make sense..I 'm suppose to carry a balance on this card..because your system think this acct.is closed. So, I'm being punished for paying my credit on time and paying the balance down to zero. They stated they couldn't dispute this. I'm Not having any other problems with the other two credit bureaus.
Product: Checking or savings account

Know Your Customer - The account as been blocked for 144 hours when they stated the account would be blocked for 24-48 hours as they updated the records on missing information I provided. 
Before the blockage- I did send them emails, in response to a letter from XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX, in compliance with the letter ; there was no response to either email nor any other notifications to my Citi Secure Message, USPS or email and then without warning the account was blocked on XX/XX/XXXX and still block as I file this complaint. 

The attachments show : The two emails ( XX/XX/XXXX & XX/XX/XXXX ) to Citi referencing the XXXXXXXX XXXX XXXXXX/XX/XXXX Confirmation that all the information needed to unblock my account has been received.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX - - Inquiry In XXXX XXXX XXXX XXXX  Negative - - Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXXXXXX XXXX XXXX Negative - - Was XXXX days late XXXX time ( s ). 

XXXX XXXX Negative - X Negative Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was XXXX  days late XXXX time ( s ). Was CO days late XXXX time ( s ). 

XXXX XXXX Negative - X Negative Was CO days late XXXX time ( s ). Was CO days late XXXX time ( s ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) X Negative - X Negative Was CO days late XXXX time ( s ). Was CO days late XXXX time ( s ). 

has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX and TransUnion both report an " XXXX  XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX  '' AND the " TransUnion '' report! 

This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!