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

I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I have XXXX XXXX  on XX/XX/XXXX several XXXX  for XXXX. Theres XXXX XXXX on XX/XX/XXXX there not authorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX of those on XX/XX/XXXX flagship XX/XX/XXXX some that are XXXX XX/XX/XXXX XXXX I got preapproved to buy a car from XXXX  XXXX. I went to the dealership and with my preapproved letter and now Im seeing several Auto inquiries on my account, which I never authorized, and I mean there are, not just a couple I mean lots of inquiries from auto dealerships and after pulling my credit I had bought a car a year over year previously and I also had a preapproved letter from caXXXXital XXXX and I see that they did the same thing at that time I have probably like XXXX inquiries on my account Where they know where I was trying to do a credit card and I did authorize you know for them to pull my credit and one time is what I was you know authorizing and I see where they pulled it like three times when I authorized one time and I have like hundreds of these on my credit report And Im being denied credit because of all of these. I did have incorrect addresses on my report that I have been trying to get corrected. I contacted several of the companies and they said if they are in there then I requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Debt collection

Bull City Financial Services a debt collector has posted the same medical collection for {$170.00} on XX/XX/2018 on my credit report
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a mental evaluation versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Product: Vehicle loan or lease

ISSUE WITH HYUNDAI MOTOR FINANCE My banker at XXXXXXXX XXXX XXXX XXXX my lease balance XX/XX/XXXX after I sent an odometer statement on XX/XX/XXXX. I have not received the title. 

I contacted Hyundai Motor Finance in XX/XX/XXXX and numerous other times ( sorry, I had an email glitch that erased old emails I was saving ) before my banker got involved and contacted them numerous times via phone and email. 

They continue to tell me that they have not received my signed odometer statement, though I have emailed it to the address they requested and faxed it to the number they faxed. The latest instance happened today. I emailed them a signed odometer statement to the email address they listed.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Upon reviewing my consumer reports, I have identified discrepancies in the reporting of late payments associated with my account. Specifically, I have found inconsistence of late payments on the following account : Account Name : XXXX XXXX Account Number : XXXX As a responsible consumer, I have always made timely payments on this account and take great care in meeting my financial obligations. Therefore, I am concerned that these late payment entries do not accurately reflect my payment history. Given the importance of accurate and truthful reporting, I respectfully request a thorough investigation into these discrepancies. 

Please provide supporting evidence demonstrating the late payment status, such as statements or other relevant documentation. If such evidence can not be provided, I request that these entries be corrected immediately to reflect an accurate on-time payment history, as I have consistently upheld my payment commitments without delay. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you in advance!
Product: Credit card or prepaid card

I contacted wells Fargo via in reference to a charge in the amount of XXXX made on XX/XX/2018 at XXXX XXXX. I advised them that I was at the store on XX/XX/XXXX and made a charge in the amount of XXXX. I also contacted the store and they advised me it's a mistake. Wells Fargo cancelled my card and issued me a new card. However they did not issue me a temporary credit while attempting to retrieve a sales receipt. Yesterday I received a call stating that my case is closed since I had possession of my credit card. I advised them I do have posession however I was not at the store on XX/XX/XXXX. I contacted the store manager XXXX XXXX and he advised that it may be employee fraud. He reffered my cases to his loss prevention dept. I am at a loss now. Wells Fargo is refusing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor TELERECOVERY Account Number : XXXX Please remove this account from my credit report immediately! 


Please remove this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part is causing me a lot of trouble financially.
Product: Credit card

On XXXX XXXX, XXXX I charged {$990.00} on my Chase Visa for advance services XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MA. I tried to call and make an appointment from XXXX through XXXX of XXXX and utilize the remaining credit - {$660.00} out of {$990.00}. Unable to reach anyone for months by phone, I stopped by the location and found the owner, XXXX XXXX, in a vacant shop with files strewn everywhere. XXXX relayed to me that her co-workers had rerouted the credit card machine and taken advantage of her absentee management. She had to let everyone go and was closing the store. Her attorney called while I was present and she was clearly distraught. I asked her to look for my file and she could not find it. XXXX days later I called Chase Visa 's fraud department and asked the balance I was unable to use ( {$660.00} ) be removed since I was unable to collect the services. Chase VIsa sent a postcard months after I filed a claim ( attached. ) Chase Visa did not respond to my request until the following XXXX of XXXX. A rep from Chase Visa called and said they had contacted a woman at XXXX XXXX named XXXX who claimed she could honor the charge. In XXXX of XXXX, I went by the store and explained I had a remaining credit from prior management. I asked her to consider crediting the amount as I did not want to patronize the business, but she would not. She issued me a gift certificate for {$660.00} XXXX attached ). The next week, I called to set up an appointment. I got no answer. I dropped in person by again and a huge sign stated " Closed for Good '' was posted on the door XXXX attached ). I called Chase Visa fraud on XXXX XXXX, XXXX and told them there was no one to honor the charge. I sent a photo of the closed store and a picture of the gift certificate I was unable to redeem. On XXXX XXXX, XXXX Chase sent me a letter saying the charge would be honored and I had to pay the {$660.00}.
Product: Credit card or prepaid card

I do not want the banking institution infringing upon my civil rights by telling me what purchases I can or can not make. When I apply for a credit card it is my choice what I will purchase not the banking industry. 

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

I was denied a checking account when I recently moved here to Texas because of incorrect information on my XXXX record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
Product: Credit reporting or other personal consumer reports

Im writing your agency because you violate 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 

( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information as part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Product: Debt collection

I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called XXXX XXXX XXXX. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and XXXX  XXXX XXXX   there contact number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my annual credit report using XXXX. fromXXXX, XXXX, and Experian. I received XXXX 's report without issue. I have made mutiple request to XXXX and Experian multiple times. XXXX and Experian never cooperate. When free a free credit report is requested XXXX and Experian continually refuse request with error submissions. I have read multiple complaints expressing the same issues over and over. It appears to be an online tactic by Experian and XXXX to discourage the consumer from seeking free report to the point we will just pay for the report. 
XXXX has no online problems furnishing the annual credit report thru XXXX or correcting any incorrect information on consumer 's credit report when requested so I ask " If XXXX can comply with furnishing Annual Credit Reports without issues, XXXX and Experian should do the same ''.
Product: Credit reporting or other personal consumer reports

Wrong address reported on my credit reports, my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and someone reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. And my name is XXXX XXXX XXXX and someone changed it to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX : Dispute of Hard Inquiry on my Credit Report Dear, Equifax I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to Equifax, XXXX XXXX XXXX  or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made.

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan has been completely paid in full.
Product: Debt collection

Dear Consumer Financial Protection Bureau, Please review the attached letter that details the issue with XXXX XXXX XXXX and XXXX. 

I disputed the account showing up on my credit report at beginning on XX/XX/2018. I received the attached response from XXXX XXXX XXXX On XX/XX/XXXX. 

Please help resolve this issue. 

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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit inquiries have been done under my name which I do not recognize, I only apply for applications physically and these inquiries seem to have been done online. I never gave these companies permission to pull up my credit report and it is extremely distressing that this happened, it's impacting my life and my credit negatively for I don't know what they could have done with it or use it for.
Product: Debt collection

You are on my credit, reporting that I owe you some type of money. I've never done business with you. How do I have an account with you on my credit report. I have not received any notice pertaining this allege debt I am unwilling to pay this debt. I am not wanting validation
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

The whole month of XXXX and XXXX have been calling companies that I have noticed as hard inquiries on my credit report asking them to be removed because either I didnt give them permission to run my credit or they stated that me applying wouldnt have an impact on my credit score or report. Ive even called all three credit bureaus and filed disputes that were unsuccessful
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XX/XX/21 INQUIRY NOT MADE BY ME. I AM NEW TO CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXXUpon reviewing my updates, incorrect information has been constantly reporting. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXDate of Inquiry XXXX XXXX, XXXX