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

I am writing to formally notify you of fraudulent activity on my credit report due to a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately, as they were opened or reported without my authorization : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 following is the only name. address, date of birth, and employer that should be put on my report : NaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person through XXXX with my chase bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still having issues with trans union and XXXX XXXX reporting fraudulent hard inquiries on my consumer profile. Violation of 15 usc 1681. Its on file with all 3 bureaus that I have been a victim of my data being stolen in the past. And also a victim of XXXX data breach. This is my last and final attempt for XXXX and trans union to remove the fraudulent items on my computer profile before taking Legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Vehicle loan or lease

I strongly believe that Santander accepted a forged credit application from my car dealership to force me into a high interest, XXXX  car loan. My credit was not poor. They also neglected to inform me of an internal scoring system. I was unable to make an informed decision when buying. 
None of my car payments went towards the principle balance of the loan, only the interest.
Product: Debt collection

This collection company has been harassing me about a debt that is not mine. The credit bureau is reporting false information as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was reporting that my Cash Reserve Line of Credit attached to my checking account was closed. The Line of Credit is/was open and is in good standing and has been open since the XXXX, over 21+ years of good credit. I disputed saying the line of credit is open with a XXXX balance. TransUnion for whatever reason removed the account from my report entirely. Removing 21+ years of good credit tanked my credit score by 70 points instantaneously. 

Now that TransUnion has removed this from my credit history permanently, they say I can not file a dispute with them to add it back on my report as there is no existing record to dispute. TransUnion states the creditor ( in my case XXXX XXXX ) needs to send them a reinsertion record. I have spent over 3 days on the phone with XXXX speaking to the following departments : Cash Reserve, Customer Service via TeleServices, branch representatives at my banking office, Loans department, etc. and no one at XXXX knows how to satisfy TransUnion 's request for reinsertion. 

My Official complaint is TransUnion does provide the means for a consumer to update their credit history with good credit. TransUnion do not provide information to creditor how to send in a reinsertion report. 

My TransUnion File Number : XXXX and I am adding two screenshots from XXXX 1 ) " Screen Shot XXXX at XXXX XXXX '' result of my dispute with TransUnion, and 2 ) " Screen Shot XXXX at XXXX XXXX " displaying the XXXX information about the open active account that TransUnion should be reporting as open. 

I am also attaching screen shot " Screen Shot XXXX at XXXX XXXX '' my XXXX Accounts Page showing the active Line of Credit.
Product: Credit reporting or other personal consumer reports

This is my personal statement that the inquiries that I have listed are fraudulent and need to be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, pursuant to 15 USC 1681e ( b ), my personal information must be kept 100 % accurate within my credit file.

See Attached Identity theft report.
Product: Checking or savings account

I am writing to complain about a denial of account opening without proper explanation. At the end of XXXX, I tried to open a checking account online with Gateway. I was denied with a dubious reason, that my " risk profile '' exceeded their policy : " Good afternoon, Upon further review of your application, we are unable to serve your banking needs at this time. The application risk profile exceeded our policy. Gateway First Bank '' I know for a fact that there are no red flags or delinquent bank accounts on file with any credit or consumer reporting agency. Furthermore, I make over $ XXXX and my FICO score is over XXXX so clearly I am no risk for opening a DEPOSIT account, not credit. Gateway owes me an explanation SPECIFICALLY why this account was denied. I expect a Gateway representative to CALL ME with this explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Experian Alert complaint about incorrect information on my credit report in a week and it is impossible to contact Experian otherwise because when you file a dispute with them their reps write you back and tell you there is nothing they can do in response to your complaint/dispute about incorrect information sent to you by their Experian Alert system. They then tell you to call their XXXX number ( XXXX ) where you get to talk to a robot who does nothing and when finally get transferred to a representative the message " we are not available. '' The dispute centers on an Experian Alert received re : a XXXX XXXX XXXX on which the alert advised that my credit may be adversely affected bec my available credit balance was lowered from {$2700.00} to {$2100.00}. To the best of my knowledge, I have one XXXX XXXX XXXX  and when I spoke to XXXX they advised that I have {$7500.00} in available credit and a XXXX balance. XXXX could not give me any other info unless I have the credit card number that Experian is talking about. When I wrote to Experian and asked for more info on this alleged problem account so I could address that with XXXX, Experian reps advised to call their XXXX #. Please intervene to help get me out of this Experian Catch 22. Thank You
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX AUTO FINANCE account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX District of Oklahoma sits, recognize that XXXX XXXX loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with XXXX  evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts in question are XXXX XXXX XXXX and XXXX XXXX. The XXXX accounts XXXX and XXXX was removed from my credit report and reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.
Product: Credit card or prepaid card

I purchased an XXXX subscription in XXXX of 2022 online through the Capital One Website. The transaction failed on the Credit Card end, not mine, nor was I informed. 

I contacted the CEO on several occasions alerting him of this and asking him to reverse the interest and late fees. Not only did XXXX XXXX not do this, the fees and interest continued to accrue. Today I paid {$88.00} in interest and fees on a {$16.00} purchase as this while completely ridiculous is negatively impacting my credit score.

Thank you for your help friends at the CFPB Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XX/XX/2024 XXXX  XXXX BALANCED {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as XXXX, transunion and XXXX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

This is my third formal request demanding the immediate removal of unauthorized accounts and inquiries from my credit report. These inaccuracies have severely impacted my FICO score, creating unnecessary financial obstacles. Your failure to address this matter in a timely manner has placed an undue burden on my financial standing. 

I am preparing to apply for a loan that explicitly requires a high FICO score for eligibility. These erroneous entries are directly hindering my ability to move forward. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is 100 % accurate, and I expect immediate action to correct these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXXXXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries/ or collection that i have given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE.Please understand that no consent is IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

While checking my credit report i notice unfamiliar inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I applied for a personal loan at Sun Loan. Later, a service representative from Sun Loan XXXX XXXX XXXX  called to inform me that my loan application was denied because of my employment at XXXX XXXX, which they consider a XXXX XXXX She mentioned that they need to ensure an applicant 's employment for the next 15 months, a guarantee I believe is unrealistic for any job. Although XXXX XXXX is perceived as a XXXX XXXX my position as a XXXX XXXX XXXX ( XXXX ) is considered permanent within the company. My role as an XXXX ensures a steady income, even when I am not assigned to external projects, demonstrating the stability and reliability of my employment and countering the usual temporary perception associated with XXXX XXXX. At XXXX XXXX, I receive full benefits, including vacation and sick leave, a XXXX plan, medical benefits, and more. After receiving the denial, I secured a copy of my contract and attempted to reach out again to clarify my situation, but the representative refused to reconsider, citing XXXX XXXX 's classification as a XXXX XXXX as the reason for the loan denial. I have been with XXXX XXXX as an XXXX  for more than two years, and the idea that this does not qualify me for a personal loan is troubling. This denial seems unjustified since I am not a XXXX XXXX according to XXXX XXXX XXXX  standards. This issue is not unique to me, after searching for answers, I came across several posts about others in similar roles at different companies face loan denials despite not being classified as temporary employees.
Product: Student loan

Since about XXXX, I have been given forebareance and been put on an income-driven repayment plan every year since. They made my payments XXXX every month leading me to believe that I did not have to make a payment and after some years it would be forgiven, I would just have to reapply every year. This has only lead to the loan accumulating massive interest fees and what was originally a dept of {$8000.00} has increased to over {$15000.00}! I believe I was severely misled when I was offered this opportunity by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX