23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have contacted Trans Union several times since early XX/XX/XXXX to remove information on my credit report that belongs to someone else. The other person 's information on my report died in XX/XX/XXXX and because his SSN is similar to mine, I can not get Trans Union to remove his death claim from my credit report, in spite of my repeated requests. I am being denied car insurance and cell phone service because of their error. Every time I call Trans Union I am told " the problem will be fixed in 5 days '' but it is never fixed and no one really looks into it to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint with the XXXX  after I mailed a certified letter to Credit Acceptance regarding Deleting a old account for a car my brother use to own, and received information about the Repossession that shows that the payments remained in default and it should of been deleted off my credit report as of XX/XX/XXXX. On the letter I received from Credit Acceptance it showed that they added a repossession cost dated XX/XX/XXXX for {$390.00}. The account was listed current on XX/XX/XXXX, and starting XX/XX/XXXX it was a balance of XXXX and remained in default. When the car was repossessed in XXXX it was a balance of XXXX before the added repossession fee. So going off the Fair Credit Act it was suppose to be deleted 7 years from the default date which would of been XX/XX/XXXX, and they're still reporting negative remarks on my credit report. I just want this to be handled and deleted like it suppose to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Experian and how they handled my credit file. They have put erroneous information on my credit file, including two new inquiries even though those inquiries do not have my correct name or SSN associated with them and also I have a credit lock in effect since late last year. 

I have been frequently monitoring my credit reports regularly. And until around last week, I only had two hard inquiries on my credit report ( from  XX/XX/XXXX ). 

Suddenly, when I checked my reports this last weekend on XX/XX/XXXX, I saw two additional hard inquiries that appeared on my Experian report ( report number XXXX ) but not on the reports from the other two credit bureaus. I also see a name on my Experian report that does not belong to me. 

One inquiry is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Please note that this inquiry is from XXXX and it only appeared on my report just this weekend. It wasn't there before. ) Another one is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Note that this is from XXXX and it only appeared on my report this weekend ) The invalid name is listed as " XXXX XXXX XXXX ''. 

I called Experian several days in a row. It spent many hours waiting on the phone to be able to talk to various reps on XX/XX/XXXX and XX/XX/XXXX. 

Finally, when I was able to get an Experian representative to look into my file, they confirmed that the source of the invalid name " XXXXXXXX XXXX XXXX '' and at least one of the above mentioned invalid inquiries ( XXXX XXXX ) are related. They said that there was no SSN associated with this query inquiry. 

And yet Experian has erroneously linked the above name and inquiry to my credit file. 

The Experian rep I talked to only offered to remove the invalid name from the credit report but not the inquiry even though the source of the name is the invalid inquiry. 

I believe both of the above inquiries and the invalid name are related and have been placed on my credit report in error by Experian. 

Also, when I talked to the Experian employee XXXX from their XXXX department, she informed me that there has been a credit lock in place on my credit report since late last year. So the above inquiries from the this year should have been blocked. 

Please help remove these three erroneous items from my file as soon as possible. 

I have a new job offer and the employer is currently doing a background screening. Experian would be responsible if my job offer is rescinded because of their errors on my credit report. 

You can reach me at XXXX Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX Date of inquiry XXXX XXXX, XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Regular XXXX XXXX **** XX/XX/XXXX {$41000.00} Late/Open XXXX  XXXX XXXX XX/XX/XXXX {$40.00} Late/Open XXXX XXXX XXXX XX/XX/XXXX {$12.00} Late/Open XXXX XXXX XX/XX/XXXX {$12.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4.00} XXXX XXXX XXXX ***** XX/XX/XXXX Late/Open XXXX XXXX XXXX XXXXXXXX Opened XXXX balance {$520.00} XXXX Late Open
Product: Credit reporting

While checking my personal credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/XXXX on Equifax. I did not authorize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ) multiple times. 
They were not legally entitled to make these fraudulent inquiries. 
This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiries immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX/XXXX/XXXX in case it is needed to locate the fraudulent inquiries in their system.
Product: Credit card

I've consistently made sure that payments on this account are made promptly, avoiding any overdue payments. However, I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A LATE PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX ACCOUNT # XXXX,,, XXXX90DAY LATE, XXXX90DAY LATE. ALL PAYMENTS HAVE BEEN ON TIME.
Product: Credit card

I was on XXXX XXXX an got alert to find ways to improve my score they said to add a new credit card from one of there partners it will not affect my credit score so I applied for a card through capital one because I have one card with them. So they did a hard credit pull an declined me I had a score of XXXX an XXXX an lost points on both. XXXX XXXX should not have the write to say will not affect your score then you loose points. Capital said they declined say my card balances was way to high an to new of account. Which are both incorrect according to XXXX an XXXX so I lost points on both if I knew there would be hard pull an loose points I would not have applied the only reason I did is XXXX XXXX  said will not affect your score
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXC Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I received a letter, dated XX/XX/2023, stating my checking and savings accounts were going to be closed due to a decision made based upon a previous account that had been closed which was not the case. My online access was also blocked stating " due to suspicious activity ''. An XXXX number was provided which I called and was told the bank had the right to close my accounts. 

Fortunately, I did transfer funds from the accounts slated to be closed to a new institution prior to my online access being locked prior to the date stated in the letter. Bank representatives stated my online access was blocked and would not be reinstated even though I had five existing accounts held by Chase that were not being closed. I stated I needed access to those regardless of whether or not the checking and savings were scheduled for closure as I opted for electronic documents versus paper. 

We received the attached document stating the accounts would not be closed with an apology for any inconvenience this may have caused. The accounts are in fact closed and this was verbally confirmed by a bank representative on XX/XX/2023. 

JP Morgan Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU
Product: Debt collection

LVNV Funding LLC is calling me about a debt that I had no knowledge of for the amount of {$4200.00} I never opened this card and its put a ding on my credit report. This is not my doing I have no knowledge of what this is Im receiving calls asking me to pay this amount.
Product: Mortgage

Please Help! Nobody, explains the process and several " Homeowner Support Specialists '' have handled my file changing hands constantly, information gets lost and the process has been held up due to delays with the servicer for several months, waiting on modification for months ... this is a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$210.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$75.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XX/XX/XXXXXXXX According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft Report.
Product: Mortgage

Payments was due on XXXX of XXXX, but was paid on the XXXX. Late fee 's are applicable if paid after XXXX. Received a " Notice of Pre-foreclosure '' by certified mail on XXXX of XXXX stating I had 30 days from the XXXX to discuss Pre-forclosure with them or they would start foreclosure proceedings. If they are going to give me 30 days why do they wait until 6 days into it to tell me by certified mail?
Product: Vehicle loan or lease

On XX/XX/XXXX I received a car loan from XXXX XXXX. On XX/XX/XXXX World Omni Affiliate issued a credit for XXXX and recognized the error on the overcharge and gap mistake.They advised me to keep the letter so credit could be issued in case they didn't correct the problem. On XX/XX/XXXX I noticed paint chips on the door and hood I reported it unfortunately I wasn't in possesion of my contract it was in one of many file cabinets. The dealership XXXX XXXX XXXX stated it wasn't on the service contract. That was untrue It was on the manufactured sticker for XXXX and XXXX for the pinstrip protection plan as well as manufactured warranty.I followed up on plans and services with the XXXX XXXX XXXX they stated only plan that was covered was the Power Train Warranty that plan is already a standard plan for the XXXX XXXX XXXX miles they doubled billed me. On XX/XX/XXXX I asked about the plan first thing they stated I could get a refund. According to the representative of XXXX XXXX XXXX no refund has ever been given. I shared the information with the XXXX XXXX XXXX they then stated we changed ownership and those plans are no longer valid I asked would they like to here it from XXXX XXXX XXXX XXXX or XXXX XXXX on speaker phone they declined. I asked for an updated copy of the contract the figures were in correct although it resembled the conditional offer. None of the math was correct, No services were no longer vailid because they stated due to change in ownership. Failed to write a lawful contract with the XXXX showing credit. XXXX XXXX failed to investigate after constant messages and certified letters. Two trips to the dealership to get a lawful credit and resolve the issues because of the overcharges failed to honor the terms of the contract. North Carolina Law says this is a breach of Contract as well as the American bar association. I have letters dates and times and three different contracts to show just cause. The company simply refused to address the issues. I declared the contract breached after legal advisement based on facts. Returned the vehicle with full month payment on XX/XX/XXXX to XXXX XXXX in XXXX XXXX to try to work on settling the issues. XXXX XXXX stands by a breached contract even after receiving a letter for credit and warranty issues. I've also issued a formal complaint with Omni Financial corporation an affiliate that wrote the credit letter no lawful action has been addressed on there very original contract states it can be rendered invalid if there agreement has not been kept or my agreement has not been kept. All services had been completed all ageements on payments have been met until it was a clear breach of the contract.
Product: Mortgage

I have been in an active review with my lender since XX/XX/XXXX. There was no active foreclosure sale date every set, as I was told proceedings were on hold. The lender requested additional documentation around XX/XX/XXXX to where I then came home to a notice of sale on my front door. I do not understand why there is now an active foreclosure sale date without my lender resolving my issue, or at least providing a decision first. I do not believe they are following guidelines and as a homeowner I have my rights.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer report noticed some some hard inquiries that I did not give permissible purpose I also included proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ''
Product: Checking or savings account

I'm a victim of a scam I was looking on XXXX to rent an apartment. One apartment I was interested I applied for and after all the payments which was XXXX the agency then canceled on me to see the apartment and then blocked me and left with all my money. Then I went to chase Bank to see if the can help me recover my money and find where the money went and they said it's nothing they can do. Which is very disappointing because they are a worldwide company they should help with matters like this. Anyone looking for apartment, please be careful this is my first time and I got the lesson of my life.