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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - The XX/XX/XXXX payment was reported as " late. '' This caused a 45-point decrease in my score in the MIDDLE OF MY HOME PURCHASE. Upgrade admitted fault ( after many, many calls and emails. ) The issue was corrected in about 10 days. This almost cost me my new home. 
XX/XX/XXXX - I paid off the loan in XX/XX/XXXX and on XX/XX/XXXX the same XX/XX/XXXX payment was reported as LATE. This caused a 40-point decrease in my scores. 
I just so happened to have purchased a new vehicle in the beginning of XXXX. Unbeknownst to me, the reason why I didn't get the preferred rate from my bank was because the late payment was already reported to the bureaus. I did not know this until after the fact and too late to discuss with my bank. None of this showed on my credit reporting apps prior to me purchasing my car ... .I would have waited. This is costing me thousands over the course of my loan. I should have a 3.3 % rate and had to accept a 5.25 % rate! 
I haven't missed ONE payment on ANYTHING in YEARS! 
I want compensated ... my bank XXXX XXXX XXXX will not refinance for at least a year. This has been a horrible experience and has caused me so much grief. NOT TO MENTION>>.. NO ONE at Upgrade will ever call me back!! I have had to call them SIX Times! I got the attached email that it can take 60 days for this to be corrected ... I may need to help my parents with a big purchase very soon ... I can't if my scores are not corrected! 
Please HELP!
Product: Payday loan, title loan, or personal loan

Before accepting the loan agreement, while on the phone, I was told I would have an APR of 7.94 % for my principal loan amount of {$1100.00}. I did the signing portion electronically. The agent still on the phone with me instructed me to quickly sign the documents before I had time to read through to have her manager confirm my application fully. Once signed, I was told I'd receive my funds at the end of the business day on XX/XX/2021. When I downloaded the copy of my borrower agreement, I read that the APR is 794.959 % instead of 7.94 %. I can not afford that. I am devastated.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX is a financial institution by definition in accordance with

15 USC 6801. 15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

A LigthtStream ( aka Truist ) representative called and emailed me to tell me that I did not qualify for their modification program because my balance was not low enough to extend the loan for 24 months. The rep told me that Lightstream applied most of my payments to interest payments and only allocated small loan balances to my principal balance. 

Question? Why offer this program to consumers and then tell them we are ineligible for it? A company representative emailed me : We regret that we can not approve your request for the following reason ( s ) : Insufficient payment reduction is available. This program misleads the customer. The company used the bait-and-switch tactic on the consumer. I qualified for the program online and was approved for a 12-month modification program to reduce my current interest rate of 15.74 %. 15.74 % is a high rate. 

It's disconcerting to learn from a Lightstream representative that this program was a pilot designed to test how the consumer would respond. Why would a company 'test ' its consumers this way? It raises serious questions about the company 's intentions and practices.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX CREDIT XXXX XXXX CREDIT XXXX XXXX
Product: Checking or savings account

USAA allowed XXXX to contine to submit a request for payment an excessive amount of times and even XXXX XXXX XXXX XXXX XXXX, inwhichn i incurred an overdraft fee of XXXX x XXXX. Occuring a charge of XXXX. This is excessive and unnecessary and I would like to have this refunded to me. As a ruslut, I have closed my account with USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses. They were supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax. I can't pull a credit report through myequifax.com / XXXX or XXXX. Recently I soft applied for credit and was denied credit because the creditor couldn't get my file from Equifax.I checked with two of my current creditors, XXXX  XXXX and XXXX XXXX XXXX XXXX, both state they are still reporting to Equifax monthly. 

This began in XX/XX/2023 and and I initially reported it in XXXX when I couldn't get XXXX 3B credit report to include Equifax. Upon calling Equifax, they promised to fix it and said someone would contact me and get it resolved. They issued me a ticket number but lost it and finally gave me another Technical Support Case # XXXX. I'm attaching a screen shot showing myequifax.com credit summary while logged and it has no data. 

I have no idea why this has happened but I did dispute an error on my report in XXXX and their staff member was very rude. I would hate to think this was an act of retribution by an employee who obviously took issue with me filing a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer credit report provided by Experian and I found a number of unauthorized items on my report that Experian has shown blatant disregard for the FCRA laws by including it in my consumer report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

Hello Transunion is not following the law that Congress have put into place to protect consumers. I see a lot violation on my report some account do not belong to me some are reported incorrectly and severely damaging my credit and causing adverse reaction
Product: Debt collection

Have received several phone calls from office of D. Scott Carruthers regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
Product: Debt collection

I lost my credit card, someone stolen and charged a small amount that is much less than {$75.00}, I reported to HSBC, HSBC replace my card and credit me back the false charge. 
However HSBC kept asking me for late fee, etc that is {$75.00} for 2 years. 
I talked to HSBC 5 times, agents all agreed that is a wrong late fee etc, so they will cancel. 
I also wrote to them, no reply. 

On XX/XX/2022 I received another notice from HSBC and asked for {$75.00} that they have agreed 5 times to cancel the fee that I did not make it. 

Thanks. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This company has never verified my debt, I have sent mail to them asking for this information. They proceeded to file a writ of garnishment of my state tax return, then turned around and filed a EX Parte Motion and Order to Renew Civil Judgement. 

I never received a document stating there will be a court date. These individuals have lied by stating that I made a payment in XXXX. This has never been the case, and I still haven't received any documentation that this payment was done by myself, nor how the payment was made. 

I have no idea that this debt is mine, nor have I received and correspondence from them giving my a chance to pay this debt. They filed the documents with the court without any information from me. I would like this company to validate the debt as well as how these payments were payed. 

I would like this issue resolved, and any and all judgements they have against me removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX - XXXX XXXX  on XX/XX/2021 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX - on XX/XX/2021 ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  bank, acc # XXXX, XXXXXXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  loan accounts listed on all three credit reporting agencies XXXX, XXXX, and Transunion that have been paid completely off to XXXX balance and it was not reported to any of the agencies however an increased balance on all XXXX accounts was reported to accounts as of XX/XX/2024 and increased the listed balances and caused my score to drop significantly. Resulting to a denial for home buying pre approval due to it looking like i still owe the XXXX to the government with a possible missed payment which is totally inaccurate seeing how all balances have been reduce to XXXX and paid on time and as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion have failed to fulfill its legal obligation under the Fair Credit Reporting Act like a reasonable investigation or disputed information of my credit report, leading inaccurate or unverified accounts unresolved the Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence the furnishers,, accepting unreliable responses, and failed to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX  has neither corrected nor removed nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX, and TransUnions inactions violate Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about identity theft that had accured to me. The guy on the phone said nothing could be done until I received their credit report and that I had to wait 5-10 business days to get it in the mail before they could do anything. This was after being on hold for over an hour and wasting my time. 

Fast forward to XX/XX/XXXX and having not received nothing from Equifax I called again and was put on hold yet another 30-45 mins and the lady by the name of XXXX couldnt understand a word I said her XXXX was terrible and she kept blaiming the phone connection another waste of an hour as she couldnt understand a thing. I phoned back yet again to get XXXX this time after yet another hour of my time only to be told I had the wrong department even tho their website told me this was where I was to go He would not help me at all kept telling me to call again and sit on hold. I asked to talk to his supervisor and he said sure but no guarantees how long I would be on hold for as I wanted a direct line and refused to sit on hold for hours more and waste more time. Nobody answered the phone I sat on hold for another 45 mins and gave up. 

Ive called the XXXX fraud agency and XXXX XXXX both I had to sit on hold but both were able to help me. Ive wasted prob 4 hrs + and 2 weeks of time waiting for mail and still nothing. Apparantly my sin number and birthday date was used with the wrong spelling of my name and a address that doesnt exist the wrong employee etc was used and somehow successful on credit card apps and money was spent wrecking my credit I only found out about it almost a year after it happened and only by chance I had applied for a credit card the last one was prob 10+ years ago only to get denied and I didnt know why as my credit was perfect in my eyes. I phoned to find out why only to find the indentity theft had accured to me. 

Ive done everything I can for now had a police file made called XXXX XXXX and the XXXX fraud agency as well as the credit card company that had issued the card and Equifax. Everyone except Equifax has been more then willing to help but Ive invested a lot of hours now trying to correct this. Equifax hasnt been if any help at all just wasting a ton of my time. What am I to do, my credit is messed up and I cant get these guys to do anything I am absolutely sick of wasting my time as to me my time is valuable and I am a victim with little to no help In this situation only to be super mad at the situation that should have never happened in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to report the payment status positive and update all late from reporting on the following accounts : XXXX XXXX  XXXXBalance {$260.00} XXXXBalance {$0.00}