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

I applied for only one credit card by XXXX, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on XXXX  and one on Equifax report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I opened a dispute with all three credit reporting agencies : XXXX, Equifax and XXXX  about the creditor XXXX and the inaccurate information being reported about me as a consumer. XXXX  was the only bureau to respond around or on XX/XX/XXXX to remove all false and inaccurate accounts with XXXX  from my reported files. Equifax was also successful in deleting some of the accounts with XXXX, however one remains and I would like this account removed immediately. It is important to me that what is reported is reflected accurately across the files of each of these bureaus. I have since sent in all the required information to address this last account with Equifax and they continue to fail to remove this account. I have also sent in the required documentation to XXXX but all my letters go ignored. I wish for these last two bureaus to take accountability for their error. XXXX  has removed the accounts so it is only natural Equifax and XXXX  remove all the accounts with the creditor XXXX and XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXnotifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX, Bloomingdales, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.
Product: Credit reporting or other personal consumer reports

My complaint to the CFPB lays bare Barclays ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, Barclays has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, Barclays shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of Barclays ' systemic failure in reporting practices. Barclays states in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even three years later, on XX/XX/XXXX, my credit reports still reflect Barclays ' mistake. This settlement was completed in XX/XX/XXXX, yet Barclays persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! Barclays inexplicably continues to perpetuate this falsehood. It's time for Barclays to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Product: Checking or savings account

I've had a debit card with Ally Bank for a year and a half. Earlier this month ( between XXXX XXXX - XXXXXXXX, XXXX ) I had a fraudulent charge on it. I closed the debit card and tried to contact Ally. I am hard of hearing and it's hard for me to call them on the phone, so I used their chat feature. If I put in a request for an agent at XXXX XXXX, they'd finally respond by XXXX XXXX when I was sleeping, then close the chat/ticket because 'I did not respond in time '. Because I was asleep. 

After at least five requests, that card was closed, however as of XX/XX/XXXX I found that fraudulent charges were still trying to be charged onto that closed card. I only received the new card on XX/XX/XXXX, only put two XXXX transactions on it, and on XX/XX/XXXX I found TWO MORE fraudulent charges on it. 

I have since requested any debit card I currently have with them deactivated and closed. As of now I am waiting for my money back and will be transferring my funds to another bank.
Product: Mortgage

We applied for a {$170000.00} XXXX  on XX/XX/2022. We submitted all the request support immediately. We believe that met US Bank XXXX underwriting standards. 

There is an fraud alert on our credit reports that we placed several months ago. The US Bank Underwriter stated that they must call us regarding the fraud alert, which we agree with. To our knowledge US Bank never placed the calls, per our cell phones call history, and we asked US Bank to verify the number being called. He stated, via email, that he called XXXX  times. 

The underwriter was unresponsive to our phone number information request, other then saying in an email that our loan was being " td ''. He further stated that he is not working on this XXXX application. 

Emails to/from US Bank are available upon request.
Product: Mortgage

Received a letter in the mail that our home doesnt have a home insurance policy So bsi financial services added a XXXX dollar policy that they want paid off in the next XXXX  months so my payments have gone up drastically even though weve had continuous home insurance coverage through our HOA since we closed on the mortgage, the previous mortgage company had this info and when they sold our mortgage to bsi back in XX/XX/XXXX they told me that I dont need to do anything and they see my policy. Fast forward to last month and I received a letter that they added a XXXX dollar policy and Ive tried sending countless times now my declarations page showing the home is indeed covered and they refuse to accept it, XX/XX/XXXX I sent an email to bsi insurance email I was given by bsi rep with my insurance declarations page attached, shortly after that email was sent I received a automated email from bsi that they received my email and it will take no more than 5 business days to get this updated, it is now XX/XX/XXXX, more than 5 business days and they tell me they havent received it and that I need to email them it again and itll again take 5 business days to take care of, I went to the website portal and tried multiple times on different dates with screen shots trying to upload the declarations page and the page has errors multiple times on different days so this isnt an isolated issue, Ive also given bsi my insurance policy info and they refuse to take it from me and contact my insurance policy they want me to get my hoa to contact them, Ive tried to set this up but they tell me they havent heard back. At this point I feel scammed and as if they are just trying to upcharge me their made up insurance policy and refusing to address this serious issue as Im doing everything on my part to take care of this issue so Im not being charged for something I dont need which is what bsi is currently doing. Ive called multiple times since XX/XX/XXXX and again today XX/XX/XXXX and the service reps havent seen anything come in yet via email even though Ive sent over XXXX emails with the attached declarations page to the email they provided me starting XX/XX/XXXX up to including today, and their insurance document website portal never works and the reps over the phone refuse to help me. I want this resolved asap as I deserve this and not to feel scammed by bsi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to list ( refuses to delete ) from my open accounts a mortgage ( previously held by XXXX, now XXXX XXXX ), for {$290000.00}, on a property at located at : XXXX XXXX XXXX, XXXX TX XXXX, that was *closed as satisfied* in XX/XX/2017. 

Both XXXX and XXXX correctly have deleted this account from my credit report, but, despite having been asked multiple times, and having been provided with supporting documentation, Transunion continues to defame/cloud my credit history!! 

This erroneous entry causes me time and effort, ( and possibly a denial of certain loan opportunities, if I choose to explore that species of damages ), and there simply is no reason for it. In fact, when I recently re-financed my current mortgage ( on an ew property ), notwithstanding Transunion is the only agency which still lists that account, I was compelled to get on the phone while the lender 's investigator contacted XXXX XXXX, who confirmed on the phone that the mortgage was aid off, and that this status was reported out to every credit agency!!
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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : ACCOUNT XXXX XXXX Please see attachments for proof of identity and documentations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im Seeining on my equifax theres has ben an Inquire From XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX would like to be removed its FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. Navy Federal has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. Navy Federal has failed to send debt validation as well. All credit bureaus are aware of these violations.

Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), XXXX. XXXX. Code XXXX, et seq.
Product: Credit reporting or other personal consumer reports

Disputed account with XXXX XXXX in XXXX  2021 Dispute with Experian never completed. 
The business that placed the collections account ( XXXX XXXX XXXX ) went out of business. 
Amount in collections {$1300.00}
Product: Credit card

Please remove this charge off inquire off of my credit report. I did not authorize these creditors to run my credit.
Product: Credit reporting or other personal consumer reports

I originally disputed this account XXXX # XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The 3 consumer agencies, did not do there job thoroughly AND that is a violation XXXX, Experian XXXX, violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I dispute a car loan with XXXX XXXX XXXX. In the amount of XXXX, which is not the first time I have dispute this account. I settled this out back in XXXX and was told by company the account will be closed as settlement. Since I have disputed this back in XXXX of XXXX the company has filed to respond and it has now been 38 days and counting. Under FDCPA your company have violated my right due to failure to respond. You failed to provide contract and payment history. I want this account removed from my credit report or I will file a complaint with the general attorney office and hire an attorney and sue for damages you are causing. 

LVNV Funding LLC in the amount of XXXX. This is now the second complaint I had to file, This account is fraudulent and your company stated this account would be removed. Your company also failed to provide wet printed signature contract, the chain of title of this debt, and your company license to collect in New York under FDCPA you are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. 4 weeks ago I tried to access my credit report online. It gave me an error message that said " No report can be given based on the data provided ''. I took their advice and requested the report over the phone. Still no report. I gave the exact info to XXXX  and XXXX  and received a report.I want someone from TransUnion to call me and let me know what the problem is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX  credit reporting has my credit rating at XXXX while XXXX XXXX and XXXX both have it at XXXX. XXXX has cost me being refused while looking for cheaper car insurance and in addition will effect my interest rate for years because I am looking to purchase a car. They might possibly cost me not even being considered for a loan. I have taken years to resolve my debts, yet their report shows me as a risk still with the old debts while the two agencies above mentioned that I get through XXXX XXXX keep increasing my rating.
Product: Debt collection

I am filing a complaint against ERC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : ERC, Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Debt collection

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im writing because Ive noticed an issue with a XXXX  on my credit report that isnt being reported with the maximum possible accuracy, and I need it corrected immediately. This is a clear violation, and I expect it to be addressed without delay.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries without my permission TRANSUNION- XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX  ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  ( Bank ) XX/XX/year>XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX