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

I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical  way of applying my payments and reposting them as past due when they have never been late.
Product: Credit reporting or other personal consumer reports

I did a balance transfer to my card. They report the date of last payment to XXXX as XX/XX/24 when I got my XXXX report. The XXXX confirmation # is : XXXX However I have made payments in excess of {$3000.00} since that date. See below : Auto pay to XXXX XX/XX/24 {$500.00} XX/XX/24 {$4.00} XX/XX/24 {$11.00} XX/XX/24 {$40.00} XX/XX/24 {$250.00} XX/XX/24 {$510.00} XX/XX/24 {$500.00} XX/XX/24 {$300.00} XX/XX/24 {$500.00} XX/XX/24 {$490.00} {$3100.00} Additionally they are not reporting any of these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Santander. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my XXXX  credit report showing false information. And a copy of the cease and desist letter sent to the company directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

20. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

26. Identity Theft TOYOTA MTR Account XXXX : XXXX This is not mine. 

27. Identity Theft XXXX  Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 
# XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Credit card or prepaid card

Online Discover account shows transaction activity as either pending transactions or posted transactions. When Discover moved one transaction from pending to posted they also left it in pending list so a single charge ( {$1000.00} ) shows both as pending and posted. I have spent over an hour on line chatting with customer service over 2 days but they won't fix this - clearly a system error. CS confirmed that there is only 1 charge not duplicate, but say they can not remove the pending and that I can't dispute it until it becomes posted. But it will never become posted because it already has been posted but not removed from pending list in error. Discover provides no way for me to address this beyond simple chat service who won't help solve the problem.
Product: Debt collection

I called the agency to get a better understanding of the debt and instead of someone helping me I was transferred several times and spoke to XXXX different people. It seemed as though XXXX at ext XXXX was trying to help me but he needed to transfer me over to his supervisor named XXXX. I tried to receive information regarding to debt from XXXX and he was very rude, hard to talk to and he hung up in my face. The issue was not resolved so I attempted to call back and I advised that representative that their supervisor hungup in my face, the rep then stated that he did not care and he was very rude to me also ... so I ended the phone call. I also wanted to advise that I receive XXXX phone calls from this collection agency per day. They will leave a voicemail XXXX times a day.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CENTRAL FINANCIAL CONTROL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Checking or savings account

Hi, Somebody has opened two accounts in my name with Bank of America. After that the person started to transfer money to another account. The transferred amount was $ XXXX. It all started that I received a message that somebody requested my online ID for Bank of America. Shortly after I received a message that two accounts were opened. I immediately called Bank of America and after waiting for about 25 minutes I talked to a customer service lady. I asked her to freeze my accounts immediatly but she told me that she can't do this and she transferred me. During this additional waiting time I saw that money was transferred from my original checking and savings accounts to the newly opened account. I could also see that money was transferred from the newly opened account to another account. As I was waiting and probably talking to 5-6 other customer associates $ XXXX of my funds were transferred. I could not achieve any resolution with Bank of America for now. 

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

I cant not after months still not get my credit score! 

This is a violation! 

Its been Going on for months! 

Equifax lies! 

I deserve to be paid {$1000.00} for monetary relief this has occurred for months and no fix!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX, XXXX, and Equifax are reporting accounts on my credit report that are past the seven-year reporting period, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts from XXXX XXXX are outdated and should have been removed from my credit report : XXXX  # XXXX Balance : {$3800.00} Closed Date : XX/XX/year> XXXX  # XXXX Balance : {$2800.00} Closed Date : XX/XX/year> These accounts have exceeded the seven-year reporting limit, yet they are still being listed on my credit file. I have disputed these accounts in the past, but they have not been removed, and this is causing ongoing harm to my credit report. 

According to FCRA Section 605 ( a ), negative information must be removed from a consumer 's credit report after seven years from the date of first delinquency or account closure, whichever is later. These accounts should no longer be reported, and I am requesting immediate removal. 

Desired Resolution : I would like the CFPB to ensure that XXXX, XXXX, and Equifax remove the outdated accounts from my credit report immediately and provide written confirmation of this action. I also request that they comply with the FCRA and FDCPA guidelines by removing the information that is no longer legally reportable.
Product: Debt collection

In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I wasnt Notified that my account was going to be close when they told me to send bank statement to prove that its my account and I never heard back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XXXX. XXXX, XXXX, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Payday loan, title loan, or personal loan

ROCKET LOANS denied me an extension of credit on XX/XX/2022
Product: Credit card or prepaid card

I've tried to get in contact with Capital one for over 2 weeks. I would like to delay my payment due to Covid-19 underemployment. I was able to delay it last month and each month you have to call back to delay payment. The wait time to reach someone is over 3 hours. I've called several times and can't get through. Twice I've called, the phone was disconnected after waiting over an hour and half. The other time i was able to request a call back. I never received one. I reached out on XXXX and they said i have to resolve the issue via 1800 number. I was now issued a late fee for not paying. Other customers are experiencing the same the same thing as I. This is terrible customer service practices. I am highly disappointed in their customer service practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/year> 2024
Product: Mortgage

We were in the process of getting a house XXXX XXXX XXXX XXXX XXXX ID XXXX. We were a week away closing on what was suppose to be our house end of XX/XX/2021. XXXX XXXX at Evergreen home loan then called me to inform me that they made an error and put more income than they should which they knew that it should just be my husbands VA XXXX and not the GI money. He then asked me to get a cosigner which my parents tried and it didn't work out. This caused my husband I many issues. We lost money on a house we couldn't get because of him. I have tried emailing and texting and no response since my husband attempted suicide because how depressed I got from loosing a home and we sent our boys to my moms to pack for a month. We want our money for the inspection and escrow that we had to fight for which he did not care to help. Evergreen home loan Address : XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

Im a victim of ID theft I have filed a ID theft report on identitytheft.gov, and the collection agencies listed keep reporting the the items as valid. K have sent them a copy of the ID theft report from identitytheft.gov. All 3 of the credit bureaus have deleted these items more than once but the collections agencies listed keep reporting it. It need to stop being reported to the credit agencies or my next steps is to sue the collections agencies listed.
Product: Credit reporting or other personal consumer reports

I BOUGHT INTO A XXXX XXXX CALLED XXXX WHICH WAS OFFERED BY " ACA INTERNATIONAL '', ON A SITE CALLED " POCCOIN '' I PURCHASED {$50000.00} WORTH OF COINS WHICH WAS A TOTAL OF XXXX COINS FOR XXXX PER COIN. XXXX DOLLARS, I NEVER RECEIVED ANY PROCEEDS FOR MY XXXX AND I WAS THREATENED WITH JAIL TIME AND ALSO THREATENED TO KILL ME IF HE EVER SEEN ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} per the FCRA : AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND XXXX AUTHORIZATIONS. I THE CONSUMER HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, NONVERBAL PER 15 USC 6802.

PER THE FAMILY EDUCATIONAL RIGHTS ACT OF 1974 TITLE 12 16 CFR 313 15 USC 1681 16 CFR 33. ( 1 ) ( 2 ) ( 3 ) 17 CFR 424
Product: Debt collection

I was just blindsided by this bill which is not mine. I had my identity stolen while I was XXXX, have been trying to buy a house, am in negotiations to buy a house and this shows up on my credit report dropping my credit score! This is not my bill. I never signed anything with this company and do not legally owe them anything. They do not even have all of my information correct, never contacted me personally to have this resolved as I would have shown the police reports ( many that have been filed ) and no contract with this 3rd party. I want this off my credit report before I take further action.
Product: Debt collection

Lvn Funding LLC {$740.00} and XXXX XXXX XXXX {$480.00} is fraudulent we had our ID stolen out of our mailbox and they made fake IDs these are not our accounts uploaded indictments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in an accident.The insurance company was in communication with Mechanics bank. There was a administration lapse of communication between Mechanics bank and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took Mechanics bank another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car totaled and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help
Product: Credit reporting or other personal consumer reports

I am writing with grave concern regarding an unauthorized hard inquiry recorded on my TransUnion credit report, attributed to XXXX XXXXXXXX XXXX on XX/XX/2023. This inquiry was conducted without my consent or knowledge, leading me to suspect fraudulent activity. 

Upon meticulous review of my credit report from TransUnion, I was alarmed to discover this hard inquiry that I unequivocally did not initiate. The presence of this unauthorized inquiry on my credit report is distressing, as it has the potential to adversely affect my credit score. 

To address this unauthorized activity, I have proactively taken the following steps : Direct Communication with XXXX XXXXXXXX XXXX  : I promptly contacted the customer service team at XXXX XXXX to report the unauthorized inquiry. While my communication resulted in the removal of the inquiry from my XXXX and XXXX reports, it regrettably remains on my TransUnion report. 

Formal Dispute with TransUnion : I have lodged a formal dispute against this hard inquiry with TransUnion, providing all requisite documentation to substantiate that this credit check was unauthorized. 

Despite these diligent efforts, the unwarranted inquiry persists on my TransUnion credit report. This situation is causing me considerable concern regarding its potential ramifications on my financial integrity and credit standing. 

In light of these circumstances, I earnestly seek the intervention of the CFPB to conduct a thorough investigation into this matter. My objective is to ensure the expeditious removal of this illegitimate inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau is reporting a business account on my personal profile. The account only started to be reported after a 60-day late remark which was in direct result of covid 19. I'm in the process to apply for a mortgage and this could potentially cause me severe damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court
Product: Credit reporting or other personal consumer reports

Hi and good day! There's inquiries on my credit report that I don't recognize, I did not authorize these nor given consent to the companies to pull up my credit report. It is stressing me and making me XXXX on why and how this happened.