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

A computer glitch that was TransUnion 's problem caused all of my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I made several calls to transunion with my latest round of calls on XXXX XXXX, 2017. I spoke to several agents, one who even refused to provide me his name, and tried to explain that these inquiries add a hardship and that my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.
Product: Credit reporting or other personal consumer reports

A self financial account was fraudulently opened in my name I didnt consent nor give anybody permission to open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to credit reporting agency to remove inquires that I do not know from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for the past 2-3 months. On XX/XX/XXXX, I called to advise that a credit card I am on is not reflecting on my Equifax credit report but was on the other two. I was advised to contact the XXXX, XXXX XXXX XXXX, to make sure they had me reporting correctly. They had all my information correct, with the exception of having my SSN on file ( which wasn't necessarily needed ). XXXX XXXX XXXX added my SSN, then advised to give it 30 days to see if it will help with reporting. I contacted Equifax on XX/XX/XXXX again and spoke with them three times as I was being directed to go back to XXXX XXXX XXXX, they advised all my information was correct. I contacted Equifax the same day to advise of the outcome with XXXX XXXX XXXX bank. I asked if I had anything blocking my account, and they stated I had a freeze on my report, I confirmed if this is something that keeps creditors from reporting, and I was told " no '', but just in case, I should remove it to see if it will correct the reporting, so I did. I asked them how long should take to update Equifax indicated a week. I contacted them again on XX/XX/XXXX, and XXXX nothing was resolved. On the XXXX, I contacted XXXX XXXX XXXX, according to them, they believed the credit card was falsely removed from my credit report by Equifax. I contacted Equifax, which resulted in me having to speak with a supervisor because the representative kept telling me the same thing " go back to Chase to correct it '' I informed the supervisor, that I was a small business owner and how this is causing an issue with me and my business. He told me to have XXXX XXXX XXXX call them or send a letter indicating that I am authorized on the credit card in question. The supervisor told me he saw where it was removed in XX/XX/XXXX, which was correct, then it was added back to my credit report and removed again. There was never a second request to remove me from the credit card by the account holder ( my spouse ). I believe he stated it was in XXXX or XXXX. The supervisor advised me to have XXXX send a letter to the email they gave ( XXXX ), which turned out to be a bad email. Equifax keeps telling me the same thing over and over, contact XXXX XXXX XXXX. I am out of options here. I called today, XX/XX/XXXX, because I noticed that my letter with my credit report ( dated XX/XX/XXXX ) has my maiden name and not my married name on it. I assumed this error could be an issue, but they indicated their systems were down. I am at a loss for words. 

I am a small business owner. This credit bureau is literally keeping me from getting the line of credit I need, and I have two projects starting XX/XX/XXXX and one in XXXX of this year. I went to my bank to let them know the situation since they have been aware of it for the past couple of months, but I am being told that my credit score is the most important of anything they need to offer me a line of credit. Equifax has one card I'm authorized on, and reflects on the report but not this one. I am very frustrated with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know XXXX XXXX  and equifax aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : Equifax and XXXX XXXX XXXX twice : Equifax XXXX XXXX XX/XX/2022 : XXXX XXXX XXXX : XXXX XXXX twice : XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX SERVICES - XX/XX/XXXX XXXX CARD SERVICES- XX/XX/XXXX XXXX FINANCIAL - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX CARD SERVICES- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a prompt resolution and the restoration of my financial stability and peace of mind.
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

I have asked the collection agency as well as the hospital that sold the debt to provide me with paperwork that shows why I went to the emergency room and a summary of charges so that my insurance provider can correctly pay the amount owed. The hospital stated that I did not have insurance when in fact I do have insurance because the same hospital was able to get the physician charge settled through my insurance. I have called both the hospital and the agency to get this taken care of and to do get the correct paper work so that it can be settled and have been given the run around. As a result this has been placed on my credit report as a negative marking and has impacted my credit score because of it being considered a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following accounts -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX -US Dept of Ed # XXXX -US Dept of Ed # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX have Violated my rights! !!!

- 15 USC 1681 Section 602 A. States I have the right to privacy.

- 15 USC 1681 Section 604 A section 2 ..... It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XX/XX/year> and XX/XX/year>, requesting for accounts to be removed from my credit report. I've also requested for the investigation was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when that response was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unrellable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting for these accounts to be deleted Immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a text message from Valley Empire Collections on XXXX, XX/XX/2024. Upon calling them back at XXXX I was transferred to XXXX at extension XXXX. XXXX informed me that there was a collection to XXXX XXXX. I informed XXXX that I did not owe XXXX and they needed to stop attempting to collect. She told me that I needed to contact XXXX, which I refused to do and told her that they need to get this resolved with their customer. I further informed her that they were not allowed to contact me again regarding this bill, to which she said it was a debt they would continue to attempt to collect. She then tried to hang up on me. Very rude.
Product: Money transfer, virtual currency, or money service

PayPal is used by a merchant to take credit card payments online.

PayPal wont send a text to my telephone number which is apparently registered to an account. 
Therefore, I can not complete the transaction with the merchant.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

Received a letter from insurance ( XXXX ) claiming that no insurance premium payment had been received from Veterans United. Made contact with Veterans United and they said that a hold was put on the payment, the hold was then lifted. 3 weeks later I get an email that I have no homeowners insurance due to no payment from the mortgage company. Veterans United then claims that they dont know what happened and the only feasible option is to pay thousands out of pocket and hope to be reimbursed from the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Hyundai Motor Finance. Lease payoff was completed in early XXXX. As of today XXXX the amount is still showing as uncollected on my credit report and adversely effecting my credit rating. Have tried reaching out to Hyundai and am being told I have to follow up with a letter, no email, no phone number to dispute the charge. They acknowledge they have been paid and have not updated the report. So now I have to take the time to write the letter, mail it, and wait several more weeks for this to be completed while my credit report is lower because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a bankruptcy on my XXXX, XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Student loan

This loan was originally held by XXXX XXXX and sold to Firstmark on XX/XX/XXXX. I have since attempted on multiple occasions to create an online profile on their website in order to access my account and make payments. When attempting to register in their online system, I have received multiple errors stating my information is not recognized and to call their phone number. 

When the account was first sold to Firstmark, I was not enrolled in school, and several payments were withdrawn from my account, per the original payment agreement. Payments were made for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I have been enrolled in school as of XX/XX/XXXX. 

On two separate occasions I have called and received different instructions on how to resolve the issue. 
Phonecall # 1 : Can not recall date - Representative instructed me to enter all information in capital characters. This did not work. 
Phonecall # 2 : Mid-XXXX  XXXX - Representative informed me that my information did not match what was on the promissory note, and that I would need to send a letter with my account information and a scan of my drivers license to verify my identity. 

I provided this information in a letter dated XX/XX/XXXX. This letter was confirmed to be received by Firstmark on XX/XX/XXXX. In this letter I requested my information be corrected and I be provided a confirmation of such correction. I also requested a copy of my promissory note. As of filing this complaint, Firstmark has not responded to this letter and has not provided the documents requested.
Product: Student loan

Issue XXXX : MOHELA forced me to recertify my income for PAYE in XX/XX/XXXX before the original recertification deadline of XX/XX/XXXX at the earliest and otherwise they threatened to raise my monthly payment amount to the standard payment plan payment. This resulted in my payment increasing from {$340.00} ( which was my payment prior to COVID pause ) to {$1200.00}. I have been making payments to avoid defaulting on my loans. Now the recertification deadline has been moved to XX/XX/XXXX, but I was already forced to recertify by MOHELA. 

Issue XXXX : They also put my account into Administrative Processing Forbearance for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and my MOHELA account states that these months do not qualify toward public student loan forgiveness when a document that US Department of Education sent me said that these months of Processing Forbearance would count toward PSLF.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. Inaccuracy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Description : Never Authorized Inaccuracy XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX Description : Never Authorized Inaccuracy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inqiury dateXXXX Description : Never Authorized Inaccuracy XXXX XXXX XXXX XXXX XXXX inquiry dateXXXX Description : Never Authorized Inaccuracy XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/year> Description : Never Authorized I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened fraudulently in my name. 
Opened XX/XX/2021 Total Amount of {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit report and notice that I have and account that have been closed for over two years but that just marked a late payment this year in 2020.