23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states.

Please investigate and provide proof with statements showing that I authorized or consented to the inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting or other personal consumer reports

Non-compliant reporting/ Incorrect reporting. I will be seeking litigation
Product: Debt collection

I have a collection that showed up on my credit report for XXXX XXXX at XXXX. They have sent it over to Professional Finance as a debt collector. I have called PF to ask for details of what the charge was for - they have refused to provide that and instead sent me back to XXXX which I have documented XXXX different billing departments and phone numbers to follow-up with to determine what was sent to collections and NO ONE can tell me what it is. I have gone through all my insurance EOB ( explanation of benefits ) and there is nothing that shows I have {$150.00} due as a patient responsibility. 

When I went back to PF and told them this was erroneous they told me to just pay it. I said it fraud - its not backed by any data or fact and you can't even tell me what it is for - I was then hung up on. I tried calling back and got a voicemail and left a voicemail asking that they send me the details in writing via email or snail mail or take this off of my credit report until they can find the details that shows this is truly an amount due as XXXX - all XXXX of their billing departments can't track that this is due and you have no prove up - so remove it. 

I have now repeatedly received calls with XXXX XXXX, demeaning words, telling me to pay it or my credit will be ruined due to my paying what is due. I still to this day can't get any details from any of the XXXX XXXX entities or this collection company. Based on how they have treated me as a human - I want this removed from all three credit agencies at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX DEPT OF EDUCATION/XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 or other personal consumer reports

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, Transunion and XXXX. They are still reporting the incorrect balance information.
Product: Mortgage

At the beginning of the pandemic, XXXX of XXXX, I was furloughed from my job. I reached out to my mortgage lender Freedom Mortgage to see what my options were in regards to paying my mortgage until I knew what my financial future and job situation was going to look like. The operator on the phone told me I could go on a covid 19 forbearance plan and not pay my mortgage payments until I was back to feeling financially secure. Before I made the choice to take her up on that offer, I asked how it works to come off. She said I could have the owed monthly payments added to the end of my loan and extend my loan date by the amount of months I was on forbearance. I felt comfortable with that and made the choice to go on forbearance. My loan was current at the time I went on forbearance.

I have been ready to come off of forbearance since the first of the year of XXXX but my lender has been very difficult to work with. They said they have actually decided not to offer the option I was originally told would be available to me. I have spent over 20 + hours on the phone with them. Having to explain my story over and over again to a new team member each time I call. Sometimes I will make great progress with one team member and ask for their direct ext. so I can follow back up with them. The problem is, the phone number freedom mortgage provides does not allow you to enter a direct ext. Once I got USDA directly involved, all of the sudden there was another phone number available for Freedom Mortgage where you do have the option to reach a direct line. This would have saved me many hours on the phone and a lot of frustration. My point of contact I was working with stopped answer my calls XXXX XXXX. It was until nearly a month later that I received a call from someone who let me know shes been on a leave of absence. This is affecting the amount of time left I have on covid 19 forbearance protection and I am asking for the last month to not be counted since no progress was being made.

I expect to either be grandfathered in to a term extention offer to bring my mortgage current or another option that does not affect my future of refinancing or does not cost me more money in the long run. I currently owe 6 months, I have been paying my mortgage monthly since XXXX. If Freedom Mortgage decided they weren't going to offer the term extention after they had spoken to me, I should have been called and informed so I could have made other arrangements. This needs to be dealt with, it has greatly affected my mental health and well being.
Product: Credit reporting

I made a dispute on XXXX accounts from XXXX XXXX XXXX through Transunion. The XXXXaccounts were generated on the same day, XX/XX/2013. These accounts were completely paid off ; XXXX account was removed and the other XXXX remains on my credit report. I have written several letters to XXXX XXXX XXXX and Transunion, requesting the other XXXX accounts to be removed also. I have been unsuccessful at getting a legitimate answer for my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my XXXX  credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} First Premiere - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX/XXXX  - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.
Product: Debt collection

I do not have a contract with XXXX XXXX so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.
Product: Credit reporting or other personal consumer reports

I need the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVED. 

I need all incoming mail from credit reporting or disputes to be mailed to : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute to Experian which included personal information on my credit report that was inaccurate and asked Experian to investigate and correct it ASAP. I read on the CFPB website how to dispute and that I should expect a response with the updates in 30 days per the Fair Credit Reporting Act which is a consumer law that holds the credit reporting agencies in compliance. Instead of getting the information investigated and corrected, Experian sent me an email stating that they would not be investigating anything because it didn't appear to be from me. First, I never gave Experian my email so I'm not sure why they have my email or why they felt it was okay to respond to me by email. I have disputed information on my credit report in the past and received results in the mail with a full credit report. This appears to be an excuse not to investigate or comply with the Fair Credit Reporting Act, further violating my rights! Hopefully by filing a complaint with the CFPB they will Take Action against Experian to stop them from sending emails and comply with the Fair Credit Report Act and investigate my disputes!
Product: Payday loan, title loan, or personal loan

Hi there. 

I have been trying to get a Lien Release letter from Hyundai Motor Finance for a XXXX XXXX that I purchased out from my lease on XX/XX/22 ( payment amount : {$11000.00} ). I was sent the title in the mail ( from Georgia ), but when I went to register the car in New Jersey, I was turned away at the DMV because I was not sent the lien release form from the financial institution ( Hyundai ).

I have been trying to get the lien release sent by Hyundai Motor Finance since XX/XX/XXXX, and I was told then that it would be mailed in 10 days AND faxed to me within 4 days. Neither of those things happened, and I have now had to reschedule DMV appointments multiple times, which are not easy to get. I have been told on the phone several times that the " back office '' needs to process the request, which apparently takes multiple days, and then they told me that I will have to call them back for an update. I have had this same conversation multiple times, and they have no record of why it was never sent, and I'm not confident that this next request will be sent. 

I have agreed to sell the car and have a buyer lined up, but I am now being forced to hold up the sale of my car due to not having the Lien Release, which is something that should have been sent on XX/XX/22 when I purchased the car. I do not understand why a simple letter can not be emailed/fax/mailed instantly. 

I have seen multiple people across different websites complaining of the same behavior at Hyundai Motor Finance and I will not be leasing/purchasing a car from them ever again. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
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, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Need to send validation that this is my debt need original documentation for this debt where XXXX XXXX XXXX sign for this debt. Ally fincl XXXX # XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX put a fraudulent credit card on all credit reports the credit card was paid and up to date with a {$27.00} late charge I looked at the credit report and whoever had the fraudulent account had made payments all the way up to this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Checking or savings account

On XXXX XXXX I went to a XXXX XXXX XXXX XXXX XXXX drive-thru ATM to withdraw {$60.00} from my Navy Federal Credit Union account ( compatible ATM that doesnt charge a fee ), my transaction could not be completed due Host Disconnected. I notified the XXXX XXXX manager. They stated contact your financial institute to solve the issue. I called Navy Fed services they mention it was a pending transaction and the money should not be pulled from the account. My account shows on XX/XX/XXXX the {$60.00} was withdrew from my account so I submitted via Emessage to Navy Fed- my receipt from the ATM on XXXX XXXX showing proof that my transaction was not completed. They reimbursed me a temporary {$60.00}, and stated it was under investigation. Fast forward to XX/XX/XXXX I received a letter stating there was no billing error occurred, therefore I would be charged the {$60.00}. On XX/XX/XXXX Navy Fed withdrew the {$60.00}, so I request the documentation that was used in the decision so I can submit an appeal. On that document that was provided from XXXX XXXX ATM History it states Host Disconnected never showed/proofed I received the {$60.00} ( however it does show a {$190.00} balance so Im not sure if other clients had the same issue ). I submitted additional Emessage via Navy Fed with the documents that I wanted to appeal the case again or further clarification. They responded they are unable to continue to pursue the merchant on your behalf via the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. XXXX card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, Experian reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own Experian credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I was unemployed for a period of time. During that time, I went through the process and secured deferment from the mortgage servicer Truist. We eventually were approved to have the missed payments moved to the back of the loan, and were never delinquent at any time. Despite the fact that there was {$0.00} due, Truist reported me to Credit Reporting Agencies as Delinquent. I only found out when credit limits were reduced on some of my accounts. What is the point of following the rules only to be shafted at the back end? I didn't choose to lose my job.
Product: Vehicle loan or lease

XXXX / XXXX / {$5200.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit card

XX/XX/year> Prosper credit card sent me an email saying they were decreasing my credit limit. I had been making more than the minimum amount. Got it down to under {$1000.00} and they decreased from {$2200.00} to {$1200.00}. Citing my credit was deteriorating which it was not. So I contacted them and they said I could contact you. Next, on XX/XX/year> they send an email stating they were revising the annual fee. Said to call to reject changes. I did. They cut off my card. Now I am refusing to pay them and they are hurting my credit further. When I got this card a few years ago they rewarded me by increasing my limit if I made payments. I always have until now. Hurting me XXXX on my credit. Please help. This happened once before long ago. I just paid balance off and they closed my account. I fell it is wrong and dirty.