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

OnXX/XX/XXXX, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from XXXX  that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''
Product: Debt collection

I have been receiving calls from a lawyer for Bank of America. He is stating that I had an old checking account with a {$610.00} balance leftover from 2010 that BofA is trying to collect on and take me to court. This is not mine, and even if it was it is way past the Texas Statute of Limitations of 4 years for debt collections. I have had multiple calls and my wife as well, saying we were going to get served court documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a store credit card. XXXX sent me a letter in the mail saying i was denied because of a low credit score. They said my score is 250 points lower than it really is. I also never requested them to send me my score, it was just printed on the letter I received in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Equifax. I have gotten absolutely zero response from either and the account continues to be falsely reported. I do not believe that an investigation was done at all.
Product: Credit card

I bank with XXXX XXXXXXXX. I pay my Citi monthly credit card bill through the XXXX XXXX XXXX app. No problems the last 5 years. Citi without any knowledge to me stopped accepting XXXX XXXX XXXX electronic payments. XXXX XXXX XXXX was forced to send the payment by check which they did on XX/XX/XXXX. On XXXX Citi finally processed my check 10 days after it was mailed by XXXX XXXX XXXX 
Showing the deduction from my account the evening of XX/XX/XXXX. XXXX XXXX  XXXX told me they process and mail the checks from Louisiana and Citi processes them in XXXX. Neither state is far form the other. on XX/XX/XXXX Citi charged me later fees and interest a total of {$180.00}. Citi is refusing to wipe off the charges. I pay my credit card bill 100 % in total every month. This is outrageous that they have not informed me of the check only policy for payments and it takes them 10 days when the mail is probably 3-4 days at most to process payments. According to XXXX XXXX XXXX  this is happening to many customers and Citi is literally defrauding it s customers unaware of the check only policy form XXXX XXXX XXXX  payments. Please help CITI has been totally uncooperative if removing the charges and many other people are going through the same issue with CITI.
Product: Debt collection

After reviewing credit reports from XXXX, XXXX, and XXXX  on XXXX XX/XX/XXXX, Key 2 Recovery Inc inserted a collections entry from XX/XX/XXXX for {$390.00} from XXXX Community College. I contacted the Cashier 's Office at XXXX Community College on XXXX XX/XX/XXXX which verified there is no outstanding debt of any type. 

This collection entry, which is indeed the result of identity theft from the XXXX, XXXX, and XXXX data breaches, is currently in dispute with all three credit reporting services. It is because of identity theft it is necessary for all three to remove the inaccurate information at not cost, per Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Product: Mortgage

My mother XXXX XXXX in XX/XX/XXXX, prior to that she was ill from one of those new pharmaceuticals. I did not have power of attorney to pay the mortgage, so it got behind. When I tried to make payments after she XXXX, they still had the mortgage in her name and SOCIAL SECURITY NUMBER, so I coul n't access the account to try and make payments. The company then foreclosed on XX/XX/XXXX. We have been issued an eviction notice, but we 're unsure of when that will be carried out. I have contacted legal aid to get a temporary restraining order on the eviction. The collection agency has been unwilling to help, and I have tried to refinance his loan through HARP. That is along process, though.
Product: Debt collection

Portfolio Recovery Assets is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX this company did a hard inquiry on my credit with out my approval can you plwaae delete this I have fraud alert on my credit haven't applied for anything
Product: Debt collection

I had XXXX, then saw ad from XXXX about paying-off contract from XXXX XXXX XXXX. Went to XXXX but had to submit my new cell phone. I paid XXXX amounts of {$96.00} that SAME day before handed the " new '' cellphone. The " new '' cellphone happened to be a refurbished one and to my surprise it never worked. A few days later I called XXXX and explained situation. The representative answer was " My hands are tied, ca n't do anything about that ''. The next step I took was to cancel the account. A month later I received a bill for the month of " service '' that was supposedly used. Again, call XXXX to inquire about the charge and explained about the cancellation ( I had previously ask for a cancellation reference number and was told that they did n't do that ) and that they knew the account was cancelled. Next month ( two months later ) I received another bill for the " service '' they had " provided '' .I did AGAIN the same thing : called XXXX, explain, was given the same " run-around '' excuses and the SAME explanation, " My hands are tied '' ( I 'm sure they have the conversations recorded ). At this point I was ( am ) still extremely XXXX insulted by the business practices of this IMMORAL corporation. I strongly invite you to see my credit scores and history and SEE for yourselves what kind of client I am and most of all, my moral character when it comes business practices and how I deal with my financial responsibilities. At this point I still feel I owe nothing to the immorals at XXXX and actually I'AM the one something is owed to. At this time I want to offer my gratitude for your time in helping unravel this situation. Thanks and feel free to contact me at my e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT THAT IS NOT MY ACCOUNT THEY HAVE NOT PROVIDED ANY EVIDENCE YET.
Product: Vehicle loan or lease

This car loan was taken out without my permission. I have not idea who took out the loan. Where the car is > found out that this car loan was showing up on my credit. I took out a police report, sent a letter and a copy of the police report to the company. This is not my loan. I have also retained legal counsel to assist me this problem. This company needs to take this loan off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I just reviewed my credit report and was alarmed to find accounts I have no knowledge of.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year>XXXX  Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

A check was cashed and remained good until after two weeks. After two weeks Chase bank said the check was no good and that I owed them the money for the check they cashed two weeks earlier. The bank froze my account and I have n't used it since but this is on my credit report.
Product: Credit card

XXXX offered Synchrony Bank credit card which I did not want and did not want to use. When the entire order was charged to that credit card I returned the order but the bank did not give the whole credit for that return and demands {$57.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is involving Credit Acceptance, I called them regarding my payments, all payments are up to date now. They reported 30 day late payments for XXXX, XXXX and XXXX. 
My payments were late due to COVID, I expressed that to the company and they assured me they would freeze my account and there would be no marks that would report negative. 
I need this fixed on my credit report as Im getting turned down for auto refinancing and an approval for mortgage on a new home. 
I have documentation to prove this was COVID related. 
I was quarantined for 14 days and was still sick. 
I took a leave due to the fact there were several cases that were reported and I was afraid for my health
Product: Credit reporting or other personal consumer reports

Child support is not a credit transaction. Therefore it is illegally RE-AGED and furnished. TransUnion memo
Product: Credit reporting or other personal consumer reports

have sent out previous letters that the courts dont verify public records nor do they report to the bureaus
Product: Money transfer, virtual currency, or money service

I received an email from Chime that someone logged into my account and I got a welcome email. I NEVER signed up for this service! I called them to cancel but they want all kinds of personal information. Please close these scammers down!
Product: Debt collection

Allied sent me a letter saying I owed {$130.00} but would take less.for an old XXXX  XXXX that was closed and payed off.but they offered a low amount so i called them And said If you take it off credit report I would pay it. They said yes ok!!! I have a witness that was on other line to verify this.I called them and they said they would take care of it.and desputed with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit report per XXXX  and XXXX. Original creditors : XXXX XXXX, XXXX XXXXand XXXX XXXX XXXX XXXX XXXX.. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card

Since XX/XX/year> when I was alerted via a negative incident reporting on my credit report I have been disputing this issue regarding an unauthorized account. Since then the company have place XXXX late payment on my credit report for an account I have not authorized. I filed a police report and provided proof to them that my id was stolen and the company has continue to not remove the negative information. Since then I have been denied a loan for a lucrative construction project and have asked the company to remove this incident from my account they have refused to do so. I have also reported this to the credit bureau and submitted police reports to them as well. This account is linked to a business phone that is different from the account under my name. They have refused to remove this negative information. I even asked to have the account numbers just to resolve the issue because of the value I have for my credit and the care I taken to ensure its it good standing and they refused to provide me that information and since then begin reporting negatively to my credit report. My credit report was XXXX before this event now its XXXX. I have a multi-million dollar business and assets and have never had such an issue in my entire life. This unauthorized account has become a major problem in my personal and business life.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, XXXX still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

On approximately XXXX XX/XX/, someone had come in and tried to open an account with my personal information. At that time, I filed a report with the FTC and froze all of my credit through the three major credit monitoring companies. About a week later a branch of Huntington Bank in XXXX called and informed me that someone had gone into the bank to withdraw funds from an account but the information on the identification didn't match my personal information ( incorrect phone number ). This happened multiple times throughout the weeks following. Huntington put an alert on my account requiring two forms of identification in order to access the account. None of these safeguards have worked and ultimately the criminals were able to steal around {$3300.00} from my business operating account. One theft occurring on XXXX XXXX and two additional thefts on XXXX XXXX. Huntington upsold me a protection plan to ensure my accounts safety. Thier protection plan required online training which has been completed. However, due to their inability to properly implement the enhance security protocols, multiple electronic transfers have been denied resulting in unpaid vendors and compromising our ability to conduct business. A myriad of attempts that have been made to ensure this would not happen on my end. Huntington 's lack of action not only resulted in my money being stolen from my business but also the upsold " protection plan '' has now compromised my ability to conduct business by freezing all accounts even though assurances were made at multiple levels such things wouldn't happen. I know we aren't a XXXX XXXX company, just a small landscaping firm trying to eke out a living, but this all seems unfair bordering on unethical. Huntington failed to follow their own policies to protect my funds when this all started. Even after purchasing the advanced security measures, their lack of support has resulted in my funds being frozen even though I have completed every step of the process and made multiple inquires and received multiple assurances that it would not happen. I am currently on the phone with vendors trying find alternative solutions. This has been a nightmare and has compromised my business. All because Huntington failed to follow the proper protocols which they assured would fix this problem and keep my money safe.
Product: Student loan

I have 7 Direct loans totaling XXXX that I have been paying on time, under an income based repayment plan. I have been working in public service full-time since XX/XX/XXXX and qualify for PSLF. I filled out the employment verification form and my loans were transferred to Fed Loan Servicing in XX/XX/XXXX. Based on the information that they sent me they are only counting 10 payments towards my PSLF, when I have actually made 5 years worth of payments that should qualify. In XX/XX/XXXX I spoke with  employee # XXXX and asked for a correction. He said my loans would have to be reviewed, which could take a couple of months, and that they would send me updated information. It has now been over 4 months and I have n't been contacted and never received proper documentation.
Product: Credit reporting or other personal consumer reports

I found an account on my credit report that does not appear to be mine, and I suspect it could be the result of identity theft or fraud.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on US Bank website. It was unsuccessful because it said there's no branch near me. 

However, ever since my unsuccessful application, US Bank has sent me soliciting email, one per day, every day. Please ask them to stop sending me this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.