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

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed inaccurate information reporting on on my Experian credit report regarding late payments and past due balances on a charged off XXXX account for {$510.00} which has already been written off and requested it be removed, but was updated as accurate. Also, there are 2 collection accounts XXXX XXXX  for {$1900.00} and XXXX XXXX for {$520.00}. I informed them that the information was deleted from other bureaus and that they must report the same information and Remove them. I do not know nor have an agreement or contract with either one of these collection agencies. I informed them that I know that they paid for my personal information which is identity theft. They refused my request and took the liberty to continue to report this damaging information to my file and we have no association. I requested the agreement/contract that binds us, which was ignored because they don't have one. I have been denied credit and will be seeking monetary damages in the tune of {$5000.00} for continuing to damage my name. I informed them that they are not abiding by the FCRA laws and regulations. I need these 3 items remove from my report and {$5000.00} in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. The date of the unauthorized hard inquiry to my credit was on XX/XX/2017.I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit.That is the reason I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below I didnt authorize. More than 35 of them were deleted in XXXX and was readded. i have attached proof. 


Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous XXXX   Agencies XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Innovative XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX. Agencies
Product: Credit reporting or other personal consumer reports

Majority of my accounts are not 100 % accurate. 

XXXX XXXX  IS ACTIVE AND CURRENT XXXX XXXX IS CURRENT XXXX XXXX XXXXXXXX IS CLOSED AND PAID IN FULL XXXX XXXX IS CLOSED AND PAID IN FULL XXXX XXXX  I AM NO LONGER AN AUTHORIZED USER ON XXXX  XXXX ACCOUNT WITH LINE OF CREDIT OF {$600.00}
Product: Checking or savings account

On Thursday, XX/XX/XXXX, my husband walked into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX , to try to close all accounts, including checking, savings and overdraft accounts. We have moved to a credit union in recent months because of the very poor service with Wells Fargo. To note, we have been clients since 1989 with the same account number. We are now not keeping their required amounts in the accounts to avoid being charged every month. They there one account into the negative with their charges which prompted my husband to go to close it. We will be out of town for several weeks ( as we are partially retired and can travel at leisure ) and it is not convenient to come back in two weeks. Furthermore, we feel it is ridiculous that a {$1.00} trillion bank can not close our accounts when we walk in the door and have time to wait. Please help us get this closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I did not authorize these inquiries, and I am concerned about the potential impact they may have on my credit score and financial security.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Us Small Business Admin ODA, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

I believe that the Round Up feature on the Barclays Upromise Master Card is very  misleading. They are offering the client to round up their purchases to earn 1.25 % on that round up. The client is already earning 1.25 % on their purchase without the round up feature. For example, if a client spent {$49.00} on a purchase, Barclays will give them XXXX cash back ( 1.25 % of {$49.00} ) If the client elects to round up to {$50.00}, the XXXX is charged as a purchase and the client earns an additional XXXX. So, in essence the client is paying money to get less money. How is this legal? I did call the credit card company to fully explain this to me. I was enrolled at my own direction however after learning the full details, I unenrolled. I think this is a clear case of the credit card company taking advantage of the consumers to make more money. It's ridiculous and should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent TransUnion a letter asking that they verify an account on my report and remove inquiries that do not belong to me. I asked that they give physical proof to verify that the accounts belong to me. I also explained that there were unauthorized inquiries on my account as well and they have not responded with proper documentation. On XX/XX/2022 and XX/XX/2022, contacted them about unauthorized inquiries and the company has failed to do so without valid documentation or proof that the accounts belong to me. These are faulty credit reporting practices and I feel this is abuse to me as a consumer. The company will not give any documentation but insists on reporting incomplete and inaccurate information on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  TransUnion Consumer Solutions c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , Illinois XXXX Dear XXXX XXXX, I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported.

Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged onXXXX, it is no longer current and therefore must be removed. 

I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law.

I demand that this error be rectied immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written conrmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated.

I do not expect to receive a verication of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. I trust that you will take this matter seriously and resolve it immediately.
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 am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX Late Date XXXXXXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted my documents on XX/XX/2021!
Product: Debt collection

I applied for an on line loan with XXXX XXXX and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 36 months paid a total of {$35000.00}. Due to high medical cost for my wife and bank fraud on my checking account. I called XXXX XXXX customer service on XXXX XX/XX/XXXX after I paid {$980.00} for XX/XX/XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of XXXX XXXX Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that XXXX XXXX never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at XXXX XXXX to discuss my payment plan and concerns over balance owed to date. Currently OLIPHANT FINANCIAL are trying to collect {$26000.00} I sent registered mail a Validation of Debt Letter with no response? I spoke with a representative who was very harsh like a mobster! I explained my circumstances and needed validation of debt? He directly told me he would need payments to resolve this debt in one year at {$2200.00} a month! I never heard back from this collection agent for over two years! Now started in XX/XX/XXXX continues phone calls daily and now a settlement letter dated XX/XX/XXXX with terms : 1 payment of {$14.00}, XXXX or 3 payments of {$5800.00} or 6 payments of {$3100.00}. This is not even reasonable since I already paid {$35000.00} of the XXXX owed at {$980.00} for 36 months!!
Product: Credit reporting

I have never been to California. Someone has used my name and information in CA.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

Capital one outage has delayed receipt of my much needed direct deposit. Usually arriving by Wednesday evening, its now Friday and nothing. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until LOANCARE took over my mortgage and I had a complaint against them before and the LOANCARE said that they remove my Loan form my credit report, now I just checked my credit report and LOANCARE still showing in my credit report, I want LOANCARE to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with LOANCARE, I believe the LOANCARE did a violation of the Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent security breach at Equifax ( XXXX 2017 ), I have no idea whether or not my credit report and its associated personally identifiable information is now in the hands of criminals. I am deeply concerned about the possibility of my identity being stolen and my credit being ruined. At the very least, if my information has been stolen it will create require investment of my time to fix the situation.
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing XXXX XXXX XXXX XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Debt collection

I received notification from Portfolio about 2 accounts I owed and I tried to explain that I am a victim of identity theft and did not open the accounts ( XXXX and XXXX XXXX ). They refused to listen and reported the accounts on my credit reports.
Product: Debt collection

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against CREDIT COLLECTION SERVICES for violations of federal laws governing debt collection practices and credit reporting. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, CREDIT COLLECTION SERVICES failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. CREDIT COLLECTION SERVICES did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. CREDIT COLLECTION SERVICES did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, CREDIT COLLECTION SERVICES has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that CREDIT COLLECTION SERVICES complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices. 
Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue. 
Sincerely,
Product: Debt collection

XXXX and XXXX update a auto loan that has been paid off on XXXX from XXXX XXXX is not updated on XXXX and XXXX is hurting my credit report I have asked them to update their records no response past 90 days please update.