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

I am reaching out to file a formal complaint regarding unauthorized inquiries that have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only provide my credit report to third parties under permissible purposes as defined by the Act. The following inquiries appear on my report without any authorization and should be removed : XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These inquiries were not approved by me, and no legitimate application or request for credit was made to warrant these entries. Per the FCRA, credit reporting agencies are responsible for removing unauthorized or erroneous entries from my report once they are brought to their attention. 

Additionally, credit reporting agencies have previously been sued for failing to remove unauthorized inquiries, as in the case of " XXXXXXXX XXXX XXXXXXXX '', which highlights their duty to act promptly in such matters. Despite my attempts to resolve this directly with the agency, the inquiries remain. 

Thank you for your attention on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

They are Collections on my credit report that I was not acknowledge of this being on my report I sent a dispute to all three credit bureaus they havent got back to me XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Amount {$870.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Amount {$670.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$600.00} According to the law XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the nouce or ine dispute from the consumer or reseller.
Product: Debt collection

I've had no communication with the debt owner such as email, XXXX or phone. Out of nowhere, a collections showed on my credit report in the amount of {$69.00} from Credit Management , LP. I called ( XXXX ) XXXX the number listed and I was told they where an attorney collecting a debt, but needed to verify who the company was I'm calling about. They proceeded to try and explain they where a attorney trying to help me fix my credit, but in order to do that, I had to purchase a trial subscription to XXXX. They refused to assist me any further unless I paid the fee, I therefore ended the call, a few minutes later I received this from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Management , LP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been several months of trying to resolve this issue with Experian. In XXXX, I legally changed my name. All of my credit and student loan accounts have been sending reports to XXXX, Experian, and XXXX with my new/correct name since XXXX, and they sent me written confirmation that they sent additional reports to these bureaus to ensure they would have the correct information. XXXX changed my name and continued reporting my accounts as normal. Experian, however, refuses to update anything outside of my name and address, and they keep telling me that they cant do anything about it, so my credit report is missing several accounts and my score is incorrect. I sent over both digital and physical certified copies of my ID and legal court order. Ive started multiple disputes with Experian and spoken to several representatives in the Member Services Department, Dispute Department, and Special Services Department. I spoke to XXXX in the Dispute Department on XX/XX/22 at XXXX who informed me that they still had majority of my credit report under my previous name and so my information is inaccurate. He transferred me to the Special Services Department where I spoke to XXXX on XX/XX/22 at XXXX PM. He was very rude, said that I didnt know what I was talking about, yelled at me over the phone, and then hung up on me when I asked for an escalation and a supervisor. Legally, Experian has to update my information when there is evidence that it is incorrect. I then contacted XXXX, who also refused to update my credit report with correct balances and account information. I started several disputes with them and spoke to multiple representatives who all refused to rectify the missing information. This issue affects my identity verification, significantly delayed my application for housing which put my safety and security at risk, and I cant apply for any loans because my credit reports arent matching with all the bureaus. I will have to take legal action if this is not resolved because this is affecting my livelihood.
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who XXXX posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Mortgage

We send in the loan number for each account yet when Wells Fargo Bank responded they have different accounts numbers. The accounts numbers XXXX XXXXequity line for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  equity line for same property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage for same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts numbers were reported on our credit report twice with loan balance {$140000.00} twice which kept us from refinancing the loan. Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXequity line and account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  mortgage modification. Property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX mortgage. These are the accounts that we have been trying to get your company to address our claims and case. The CFPB has each claim that we have submitted about each case. Due to Wells Fargo Bank neglect we have been denied for each claim. We got a notice from the credit bureau on XX/XX/year> that XXXX XXXX XXXX the executive office removed the five late charges from our credit report. We were part of the fake account in our name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, transunion, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. Please remove the accounts above from my consumer report immediately
Product: Credit reporting or other personal consumer reports

I noticed on my credit report unauthorized accounts that I did not approve or recognize. Please remove 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

I am writing to disputed hard inquiries on my credit report that were made without my consent. I according to section 604 of FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELELETE HARD INQUIRIES 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: Debt collection

I just received on mail a letter from this debt collector Northland Group Inc. claiming I owe {$1100.00}. 
I do n't know where this amount is coming from so I would like to ask the CFPB to look into this matter as well I 'm sending a debt validation letter attach here to.
Product: Credit card

I called Goldman Sachs apple card customer service a day before i made a payment via check to ask which address i could send an overnight XXXX payment and they assured me that it was the one they have on their website. At no point they said that they would not accept a XXXX delivery. They payment went out and sent back by XXXX because they could not deliver it to a po box . I called them and said that they were sorry that i was misinformed and taht i should send it via XXXX. I asked for them to refund me the charge and they said that they could not. I sent the payment via usps and they received it on XX/XX/23 at XXXX and the payment was not posted as a manual transaction until Tuesday XX/XX/23 at XXXX. I called today XX/XX/23 at around XXXX and asked why the payment has not been applied to my available balance and they claim that the payment i mailed was placed on hold until XX/XX/23 and that they had no explanation. I asked for a better clarification and they said they had none. I filled a claim with them. They are holding payments that are mailed in for more than 10 business days and that should not be the case when they have delayed the receipt and application of such payment. This will reflect longer on my credit report as a line with an outstanding balance when it is not accurate.
Product: Checking or savings account

citi locked my checking accnt on XXXX and i have NO access to even check transactions or balance ... have spent HOURS and HOURS on the phone and they lie and refuse to help or even tell me what they are doing
Product: Credit reporting or other personal consumer reports

Transunion Customer service representative was very rude. I explained that I had a pending XXXX XXXX Account and it wrong bottom on XXXX of a credit card. There was no sympathy from Transunion. XXXX and XXXX understood and filed a dispute. I have experience the same with XXXX card in the past and said I would never get another card. I did not need the card accident in error hitting the wrong card because I already have a XXXX XXXX card. I wanted to report to the XXXX XXXX XXXX of my horrible experience of the misunderstanding from Transunion. I am still waiting on the pending approval from XXXX XXXX XXXX although I hit wrong button for the XXXX card that was denied and caused my credit score to decrease XXXX points. I want my XXXX points back on my credit report due to the card was hit by button in error. 

XXXX, XXXX or Transunion was not able to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX law firm sue after the time XXXX period in Arkansas is 5 years so why they are garshment at 9 years! They never proof it was my debt they just sue I was reporting this to trade commission! I feel this wrong
Product: Student loan

On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX  : Account # ending XXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit card

I have a XXXX  card with USAA. I had a charge on XX/XX/year>XXXX  for {$350.00} to my card that was not mine. I filed fraud and USAA reserved the charge and sent me a new card. A month later, they unreserved the charge AND allowed it to be charge to my account a 2nd time and they are now claiming I owe {$700.00} for something I did not purchase, authorize or receive. I have called every day for the last week and talked to 5 different people. Today I was told there are no mangers or phone number to the actual FRAUD dept. The only thing they could do for me was to make notes to my account and ask the Fraud Dept. to contact me. I have heard NOTHING. I have not gotten a letter in the mail, phone call, email, message to my USAA inbox, NOTHING. I found an article that says a lot of USAA customers have had this issue with them and it has cost customers hundreds of thousands of dollar. Another article says there are over XXXX complaints to the XXXX XXXX XXXX and a dedicated XXXX page of over XXXX former customers who have been fraud victims that USAA has done nothing about. Apparently this is their MO. Allow for fraud to happen to their customers and then try to cash in on the innocent by charging them. I did NOT make these purchase and REFUSE to pay {$700.00} for something that IS NOT MINE! I want someone to actually DO something about this, not just say they will " send the Fraud Dept a message '', only to never hear back! 

Not only did they reserve the fraud charge, but they allowed for it to be charge a SECOND time, so I have two charges for the SAME THING and NEITHER are MINE!!!!!!
Product: Credit reporting or other personal consumer reports

well on the date of XX/XX/2023 i filed a dispute through the CFPB to XXXX XXXX an equifax as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with XXXX  as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently homeless in XXXX wa so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all 3 are not reporting the same then that is grounds for removal getting back to me 30 or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX has FRADULANT reporting on my XXXX Report on my Navy Federal Credit Union Report This needs to be deleted immediately it is affecting my credit score and ability to get a home loan, car loan, credit card. 
XXXX XXXX is reporting the Date of these XXXX listed Accounts as CLOSED Date Closed : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX and {$2700.00} XXXX  XXXX XXXX these are FRAUDULENT Accounts that need to be Deleted Immediately this is violating my Consumer Rights to a Fair and Accurate Consumer Report. I was born in XXXX. These accounts were CLOSED BEFORE I WAS BORN. DELETE these both immediately and update my XXXX accounts and update to Navy Federal Credit Union XXXX Report. XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for a loan modification due to financial hardship from Ally Bank on or around the XX/XX/XXXX and was granted an Extension Agreement over the phone. I was told that I would receive a document to sign in the mail. I received the Extension Agreement document dated XX/XX/XXXX on XX/XX/XXXX and faxed and paid the first installment the next business day XX/XX/XXXX ( within the time Ally Bank stipulated of 10 days from the date of the document ). 

On XX/XX/XXXX I contacted Ally Bank to find out if the agreement had been executed and was told that due to banking software upgrades in XX/XX/XXXX that it must have been overlooked. The reason I did not think the agreement was processed was that I got a notice from Ally Bank that my account was past due and my online portal did not reflect the payment schedule on the agreement. I was assured by Ally customer service after they tracked down the signed agreement that they would update my account to reflect the agreement in 2 business days. No updates were made and I continued to receive notices from Ally Bank for payment. 

On XX/XX/XXXX I contacted Ally Bank again three times because there was still no change on my account reflecting the Extension Agreement. I was on the phone for almost an hour and was hung up on 2 times by Allys customer service with no call back from them. On the 3rd attempt, I was able to reach a customer service representative and reach a conclusion. The agent stated at the end of the call that Ally bank would honor the Extension Agreement and update my account to reflect the agreement within two business days. No updates were made. 

On XX/XX/XXXX I emailed Ally Bank through my online portal and asked that they update my account to reflect the extension agreement. I included an attachment of the signed agreement and detailed my interactions thus far. On XX/XX/XXXX I got a reply stating that they received my email and that if I had questions to call their 1800 number. No updates were made.

Ally Bank is giving me the run-around and they are not honoring their own agreement. They are causing me a lot of unnecessary stress, time and money all in an effort to what is clearly a scheme to get even more monies in fees from folks with financial hardships. I am being financially responsible in trying to use the programs that they offer in good faith but in return, I am being met with underhanded shady practices designed to take advantage of the most vulnerable amongst us. I need help as Ally Bank is not working in good faith and is not abiding by our agreement.
Product: Checking or savings account

On XX/XX/XXXX I reported an unauthorized purchase to XXXX in XXXX for {$310.00} made on XX/XX/XXXX. I called to make certain that the emergency XXXX day restoration of those funds were provided as promised in the call to Citizens Bank. Yesterday, during a subsequent discussion with Citizens, although each day funds are added to avoid overdraft fees, the bank wouldn't verify the emergency restoration promise, despite several attempts to stop the draining of my account. I can't possibly replace the large amount to avoid further problems with my account, and wonder how to possibly move forward without overdraft fees beginning today. Please advise.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.