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

I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account from commenity bank account number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.
Product: Credit card

In XX/XX/year> we purchased hardwood flooring for new home construction from XXXX XXXX in XXXX XXXX, NH. At the time of purchase, the store associate offered a 0 % financing offer with their branded XXXX XXXX  credit card, offered in partnership with affinity credit card company Synchrony Bank.. Total purchase amount was {$17000.00}. At the time of purchase, delivery of product was scheduled for late XX/XX/year>, since our home construction had not yet started. Our flooring product was delivered to another XXXX XXXX retail location in XXXX, VT where it was being held in their warehouse until our scheduled delivery in XX/XX/year>. In XX/XX/year> we were contacted by telephone by XXXX XXXX to be informed of their pending bankruptcy. We were told by XXXX XXXX  that we must take delivery of the product prior to XX/XX/XXXX, and if we did not, our order would be cancelled. Our new home construction had just started, and therefore were unable to accept the requested early delivery. Consequently, our order was cancelled by XXXX XXXX on XX/XX/year>. At the time of this order cancellation, we were informed by XXXX XXXX that the refund amount would not be for the total purchase price, but instead we would receive a partial refund in the amount of {$3300.00} due to " rules associated with their bankruptcy proceedings ''. Beginning with initial purchase, we made regular monthly, on-time payments in accordance with our credit card agreement with Synchrony Bank . The {$3300.00} partial refund was also applied to our Synchrony Bank account. The current outstanding refund balance due to us is {$14000.00}. Since this matter begin XX/XX/year>, I filed all required requests and documentation with XXXX XXXX bankruptcy agent ( Stretto ), and also filed a claim with Synchrony Bank. We have thorough documentation. 
To recap : We made payment in full at time of purchase in XX/XX/year> We did not receive any product Our order was cancelled by XXXX XXXX on XX/XX/year>. After order cancellation, our flooring product being held by XXXX XXXX was then sold during their liquidation sale. 
We have received no additional refund other than the {$3300.00} partial refund received when XXXX XXXX cancelled our order. 
We are owed {$14000.00}
Product: Student loan

I received an email from XXXX stating that my student loans have been transferred to XXXX, and I would have to set up online access with them. I created the profile, however my loans are not showing. It is showing I have no loans or ability to pay on them. I then tried to contact customer service and could not get through. I then emailed them directly, and did not get a response. I was told for sure by XXXX the account will be ready XX/XX/XXXX, but now here it is XX/XX/XXXX, and I am unable to make a payment or even have access to my student loans. Payments are going to be due, and I can not pay on them because I have no access. I am now getting loan error messages on the website, but it is not giving me access to the loan, ability to pay on the loan, and they are not willing to communicate with me. I just want to get this resolved. This can not effect my credit. This would have an impact on me getting a mortgage if these are not resolved. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX  ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.
Product: Debt collection

Ocwen loan servicing was informed of a forgery on a loan re modifacation, they have removed my liability from the loan, but it is still on my credit, I called and asked them to contact XXXX major credit reports and have account closed, I was told I would have to do that myself. I would like this loan removed from my credit as soon as possible, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there. 

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Product: Payday loan, title loan, or personal loan

I submitted a personal loan application on the sofi  website and was instantly approved for $ XXXX on XX/XX/18. After a few days I received an email stating they needed my most recent paystubs, which I submitted shortly after. Then I received another email / text asking for additional information. 
I called and spoke with the customer service representative over the phone and she states that the underwriter needed clarification about a loan I took out with Sofi and paid off within 1 month ( I told her I had the funds and instead of paying high interest rate I decided to pay the loan off ). 
A few days later the underwriter XXXX called and I called him back and he asked the same question. Again I advised him that " I paid off for the loan within the month because I had the extra money to do so ''. 

Within 1-2 days I received a credit decision stating my application was declined. I called in a spoke with a few different customer services reps and an escalation specialist who all told me the reason for the decline was due to me paying off my loan within a month and that the company policy if that I have to make 3 consecutive payments before paying off the loan ( this was never stated in the original contract ) and because I did not meet the 3 consecutive payments and paid the loan off within a month they would not be able to approve the loan. 

I think this is very unfair to deny my application for paying off the loan within 30 days I met all the lender other qualification I.E. XXXX and Credit score requirement and would like to know how a company can make such decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account be deleted or updated. This is the items I demanding to be deleted immediately :
Product: Debt collection

I've received numerous letters from XXXX XXXX XXXX, XXXX. I have no contractual agreements with XXXX XXXX XXXX XXXX. I've required LOANCARE, under the burden of proof, to show where we had a contract, or show where they have given me or my estate, XXXX XXXX, Estate, XXXX XXXX and they never responded. I suspected fraud. LOANCARE is now represented by XXXX XXXX, who is now attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I DO NOT TO OWE ANY ANYTHING TO XXXX XXXX XXXX XXXXXXXX, NOR DO I OWE ANYTHING TO XXXX XXXX. All of this attempting fraudulent claims against XXXX XXXX is against my will and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late.

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased 14 points for no apparent reason. There has been no missed payments and credit cards were paid off last months, so there sound be an increase, not a substantial decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX   runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
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. 


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

Good afternoon, My American Express Card Account XXXX should have been closed. When it was not closed American Express charged me an annual fee which I did not know about and did not pay. I called American Express about the issue and they reversed the charge and assured me that they would fix the reporting of the late payments to the Credit Bureaus ( XXXX, XXXX and XXXX ). This information has not been updated and I have been attempting to XXXX American Express to do the right thing which they have not. It is nearly impossible to get a contact who can assist with this issue so I am filing this complaint to get some assistance to get this straightened out. I have never had a late payment and my credit file was unblemished until this occurred. My credit rating has been impacted and will adversely affect the rates that are available to me if not rectified. I appreciate your assistance in finding a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment date for my loan was XX/XX/XXXX. I was unable to make a payment via XXXX and tried via debit card for a couple weeks as their website was not showing all images and buttons to continue to payment, preventing me from making the payment via debit card instead of XXXX. It wasnt until I received an email from Figloans on XX/XX/XXXX saying that I needed to make a payment that day to prevent my account being reported as 30-days late with the credit bureau via a link to the debit card screen was I able to finally make the payment via debit card instead of my bank account and I made the payment right away in full. Soon after I made the payment, the account was reported 30-days late to the credit bureaus. I then reached out to figloans gia email as they do not have a phone number to talk to anyone letting them know that an error was reported on my credit report and it needed to be fixed ASAP. The answer I received was that they only report accurate information to the credit bureaus and theres nothing I can do to change that. I then email back with my pay schedule showing that my due date of XX/XX/XXXX payment was late, but it was not late 30-days, so they were reporting inaccurate information to the credit bureaus. I also forwarded the email I received that advised me to make payment that day to prevent negative information from being reported to the credit bureau. They have gone silent since then. Im trying to buy a house and this has significantly impacted me and my familys lives as Im now at a stand still until this issue is rectified. They are inaccurately reporting information to the credit bureaus and Im unable to get a hold of anyone for recourse as they only communicate via email.
Product: Debt collection

They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXXXXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.