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

XXXX XXXX is showing up on Equifax and XXXX twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX that need to be updated or removed from Equifax and XXXX. They need to updated the account as current or just remove it since it's from XXXX They also sent me to collections with US Department of ED/XXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my XXXX report called US Department of EDXXXX and XXXXhat needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my XXXX and Equifax Report the exact same thing is happening however on XXXX and Equifax there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX and Equifax they tell me everything is correct now. However on XXXX there are two accounts that have the student loan company put two collection accounts on my XXXX report which needs to be update to current or just deleted all together its called US Department of EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} XXXX XXXX  Balance : {$5000.00} 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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit. 

This account has late payments that I never had and violates my rights as a consumer. 

Also based on the laws that protect me as a consumer, I see that this account is updated every month, which is illegal.
Product: Credit reporting or other personal consumer reports

Can not log into account or even verify account info. Repeatedly tried to contact company. All calls repeatedly refuse access to an actual live agent.
Product: Checking or savings account

Dear CFPB, I am writing to report an ongoing issue with my savings at Revolut since XX/XX/XXXX. Despite multiple attempts to resolve the issue with their chat support team, my two savings have not been earning any interest.

I have spoken with a dozen different online representatives and emailed twice, but the lack of communication and information sharing between team members has made it difficult to identify the problem. Moreover, representatives have been delaying the conversation until it is no longer their responsibility, resulting in unnecessary delays and a loss of interest on my savings. 

Below is a list of customer service reps who have worked on my case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your urgent attention to this matter and a timely resolution to the issue. Thank you for your assistance.
Product: Credit card or prepaid card

I received an email saying i was denied a credit card through paypal. I never applied for credit thru paypal. Someone is using my name to apply for credit when i haven't applied for any credit within the past 8 months. I'm trying to clear my credit. I need this removed.
Product: Vehicle loan or lease

My name is XXXX XXXX. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX. I paid cash for this car. For some reason, the car was registered as being financed thru Hyundai Motor Finance Company. THE CAR WAS NEVER FINANCED. I tried dealing with Hyundai Motor Finance Company, but the customer service agent was of no help to me. I reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX then contacted Hyundai. But again, nothing has been accomplished and the vehicle still shows Hyundai Motor Finance Company as the lien holder. Needless to say, this has been very frustrating! 

VIN : XXXX I'm attaching an email exchange between XXXX XXXX XXXX XXXX XXXX and Hyundai Motor. Neither XXXX nor I have heard anything after this. Please help! 

Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Debt collection

I 'm still getting harassed by CitiBank through their automated phone call, to whit : XXXX on the average of 6 times a day. I 've already told them that they will get get what I can pay. They do n't seem to understand that. Is there any way that someone can get them to stop the phone calls? Please? 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

I was dismayed to find unauthorized inquiries on my credit report tonight, and I can't understand why they are there. When I reviewed my report as usual, I was shocked to discover discrepancies that had never appeared before. I tried refreshing the page, thinking it might be a glitch, but nothing changed. The unauthorized inquiries remained, and now Im deeply concerned. I urgently request a thorough review of the documents I've submitted so I can finally stop worrying about this issue.
Product: Credit reporting

1. I just tried filing a dispute online with Equifax it asked me there for verification questions and they found my credit file. I wanted to get some other information from my credit report and came back and the session had timed out, so I went through the dispute process again from the beginning and asked me for new verification questions and I 've had the same problem in the past and asks me questions that have nothing to do with my credit history so I answer the appropriate answer none of the above. and keep getting the same response we can not verify your identity please fax your dispute. There is something wrong with their verification process! I am tired of having to fax the disputes in at my expense and inconvenience. 
2. My XXXX credit card is reporting on Equifax a showing a balance of approximately {$270.00}, that amount is incorrect! My wallet was stolen on XX/XX/2016 and I have reported that to all the credit bureaus. The perpetrator charged {$270.00} on this card, I did not! however, to avoid any impact on my credit score, I immediately disputed it with my credit card company and made a {$200.00} payment on The date of my attached evidence approx XX/XX/2016. The current balance is {$30.00}!! 
3. The reported date of my last payment on Equifax is incorrect! It shows XXXX XXXX I have made XXXX payments between XXXX XXXX and XXXX XXXX!! and the aqua fax report showed it was updated XXXX XXXX! The other XXXX reporting agencies are accurate! I am consistently having a problem with Equifax!! I need relief! 
4. The high credit of {$300.00} on this card is also incorrect!! 

I hereby seek the CFPB and the FTC to organize a thorough investigation into these matters. I am a XXXX veteran and I have spent hundreds of hours trying to resolve various issues with only Equifax since XX/XX/XXXX. It has exasperated me! my credit score is consistently lower and been lowered with each error that Equifax makes on reporting my credit information! I do not have the time, energy, resources due to my health condition to continue to fight for my rights. Please I humbly seek assistance beyond the complaint process. It has not worked for over 10 months in any of my complaints.
Product: Debt collection

I have already filed a claim against this company and have asked that they not contact me. I received another call regarding " arrangements '' at XXXX on XX/XX/2022.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Kansas XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I find out about this medical bill after the collection agency reported it to the credit bureau. After discovering this, I immediately call XXXX XXXX XXXX to figure out why they never saw this bill before it went to a debt collector. XXXX XXXX XXXX was sending the medical bill to my old wrong address. I never really had a chance to pay what I owe in the first place and never realized this. 
Once I realize that the statement went to the wrong address, I contact the collections agency by phone and email and ask them to remove any derogatory information from my credit report. 
This is technically a HIPAA violation, sending medical bills to the wrong address. On XX/XX/XXXX, I emailed XXXX XXXX at Transworld Systems Inc. and Transworld Systems Inc XXXX XXXX a professional debt collector regarding credit dispute asking for verification and validation of debt and informing TSI of wrongful address. 
On XX/XX/XXXX, I received the verification and validation of debt from TSI. Since TSI never sent any of this information to the right address in the first place I never received any bills due date. I am writing to request the remove of derogatory reporting to the credit bureaus because TSI send the debt collection to the wrong address and not allowing me to dispute the debt according to the Fair Credit Reporting Act ( FCRA ) in XXXX to protect consumers and regulate how credit information is used and disseminated before reporting credit bureaus and unverifiable information. 
I am requesting that the item be removed immediately. 

Enclosed is a copy of documentation that support my position. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Product: Debt collection

I have National Credit Systems on my credit report for a debt ( {$6500.00} ) I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked XXXX XXXX to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Product: Credit card or prepaid card

This is a communication pursuit to 1692 ( c ). I am asking you to cease and desist further communication and Im refusing to pay the debt pursuant to 1692 ( C ) ( c ). I am invoking my specified remedies as a creditor pursuant to 1692 ( C ) ( 2 ) and I advise you to terminate all efforts pursuant to 1692 ( C ) ( 1 ). To include reporting information to the credit bureau and third party collections. 

I demand rescission of my contract pursuant to [ 15 USC 1635 ( a ) ] and [ 12 CFR 226.15 ] as the signature has been securitized on your instrument the master promissory note ( the credit application ). 
Pursuant to [ 15 USC 1635 ( b ) I demand Discover Financial return all finances ever render to them.
Product: Checking or savings account

On XX/XX/XXXX, I noticed several unauthorized, fraudulent charges ( in the amounts of {$1.00}, {$1.00}, {$19.00}, and {$39.00} ). were posted to my checking account for a company that I had never heard of and never done business with ( XXXX ). These charges were made over the time period of XX/XX/XXXX - XX/XX/XXXX. I had never visited this site and never once even used my debit card associated with my checking account, as it had been locked in my safe. I never charged anything to this account since I kept the balance just over the {$500.00} minimum account balance threshold to avoid a service fee. Immediately upon noticing the charges, I called and reported the charges as fraudulent and waited for the funds to be restored to my account. After 9 days, I called to inquire since the funds had not been restored to my account. I was directed to the fraud department and my call was dropped. I called again the next day and was again directed to the fraud department, where the representative told me my claim was denied because " the charges fit with a pattern of previous charges ''. The representative directed me to another line where I was able to leave a voice message. I have not received a response and the denial of my fraud claim is unsatisfactory.
Product: Credit card

I went into Toyota of XXXX located in southern XXXX on Saturday XX/XX/24 seeking a quote for a trade-in + new lease. Toyota came back with a quote and suggested I opened a new line of credit through Toyota XXXX XXXX XXXX. I declined the offer and offered no signature or authorization for them to open said credit line. I left the dealership leaving the offer on the table. The following days, I was receiving congratulatory emails regarding my new open line of credit through toyota XXXX XXXX XXXX. I have phoned toyota financial, who directed me to call the XXXX toyota dealership directly, XXXX Toyota then forwarded my calls to their finance dept 's full voicemail inbox. I emailed Toyota customer relations who advised me to simply call Toyota rewards visa and close the new line of credit. Now I'm left with the very real possibility of my XXXX XXXX XXXX getting dinged for such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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