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

Each year, I request my free credit report from each of the XXXX Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax has some " excuse '' for not being able to produce my credit report. This year ( XX/XX/XXXX ), after getting my request, they referred me to their customer support phone line. This service is automated and did nothing more than refer me back to their web site, which had already failed. 
I submitted a similar complaint last year and a printed copy of my report " magically '' appeared in the mail a couple of weeks later. The last time that I successfully got a credit report on line from Equifax was XXXX. They need to clean up their on-line responsiveness.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been more than 30 days, and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX 

XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Details- Account # XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing in regard to the account referenced under the name XXXX XXXX XXXX with your company. While I am not disputing the details of the account or its balance, I would appreciate your assistance in providing the following information for my records : The date of the first delinquency on the account. 
The date of the first payment made on the account. 
The date the account was charged off. 

I would be grateful if you could provide this information at your earliest convenience. Please feel free to contact me if you require any additional details or documentation from my end to process this request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I HAVENT USED MY CREDIT FOR ALONG TIME, AND WERE TALKING ABOUT BUYING A HOUSE, SO I WENT TO CHECK MY CREDIT, AND SEEN ALL KINDS OF ACCOUNTS, ADDRESSES, AND NAMES, I UPLOADED MY IDENTIFICATION, SOCIAL SECURITY, AND TAX DOCUMENTS AS REQUESTED MY IDENTITY, ACCOUNTS, WITH MY INFORMATION WITH DIFFERENT LAST NAME, AND ACCOUNT WITH JUST MY FIRST NAME AND DOB, NO SOCIAL. ADDRESSES THAT I AM TOTALLY UNAWARE, SO I DISPUTED THESE SINCE XX/XX/XXXX, STATING SOMES ACCOUNTS OPENED IN XXXX XXXX IN A DIFFERENT STATE, WHEN I REACH OUT TO THE THE CONSUMER DIFFERENT DATES, SO REPORTING INFORMATION VERY DIFFERENT. I WAS TOLD THAT IT WAS PUT IN DISPUTE AND WOULD BE REMOVED AND ITS STILL ON MY CREDIT REPORT. I CALLED ONE CONSUMER THEY TOLD ME TO CALL THE COLLECTION AGENCY AND THE COLLECTION AGENCY TOLD ME TO CALL THEM BACK THAT THE CONSUMER WOULD HAVE TO CLOSE THE ACCOUNT ( PASSING THE BUCK AROUND ), THE OTHER TOLD ME WITH THEY HAVE YOUR DOB THEN APPARENTLY ITS YOU, AND VERY RUDE. AND TOLD ME THAT THEY WILL GET THEIR MONEY FROM WHOMEVER AND SOMEWAY, ON ACCOUNT THAT IS CHARGED OFF AND CLOSED, COLLECTING ON CHARGE OFF ACCOUNTS, AND BASING IT ON SIMILIAR INFORMATION NOT ACCURATE INFORMATION. AND ASKING ME FOR COPIES OF CONTRACTS, IF ITS NOT ME I CANT GIVE YOU SOMETHING I DONT HAVE AND I HAVE ASK FOR COPIES OF THE SIGNATURE, AND I HAVE BEEN IGNORED
Product: Consumer Loan

I entered into a car loan with GoFinancial and was never provided with any information about how they processed payments. I made my first payment over the phone and was give the option to pay using my credit card for a nominal fee ( I think it was {$4.00} ) which I agreed to. After processing the payment I looked at my credit card statement and GoFinancial had submitted the payment through XXXX XXXX and my credit card company had processed the charge as a cash advance charging me a {$15.00} fee and daily interest on the amount of the charge. I would never have paid the car loan with my credit card had it been disclosed to be that they would process it through XXXX XXXX. I spoke with the manager at Go Financial who informed me that they do not have to disclose how they process payments and they will not refund the fees that were charged to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I made a purchase of furniture from XXXX XXXX XXXX XXXX in XXXX Florida. I financed the purchase through Synchrony Bank who is the funding source for purchases with XXXX XXXX XXXX XXXX. The were providing 12 month interest free financing for them purchase of the furniture. However, and not clearly explained to me, Synchrony Bank was charging a 2 % fee of the total purchase for this 12 month interest free financing. I unknowingly signed and agreed to this fee, and did not realize the fee was charged until I received my first billing statement. I complained to Synchrony Bank and requested that this fee be refunded. The request was denied on XXXX. My contention was that this fee was not fully explained, and also constituted up front interest charges, which added to the cost of goods. This to me is false advertising by not fully disclosing up front fees to interest free financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXX via FACTUAL DATA is still in my XXXX credit report. I was informed in the attached letter from XXXX XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a few inquiries on my credit report I do not recognize
Product: Credit card or prepaid card

I always pay off my credit cards every month, so I was surprised to find that Chase charged me interest for two months in a row. I tried to figure out why that would be, and I finally realized that maybe they don't offer the 25-day grace period that has been the standard for the past 30 years. So I tried to look up on their website and find what the grace period for purchases before interest is charged. I could not find ANY information related to the grace period. I finally resorted to XXXX, which informed me that Chase typically offers " at least '' a 21-day grace period. No wonder I was paying interest. 

I cancelled my credit card with them yesterday upon discovering this information, but not only does it seem like a predatory practice, it seems really contrary to the ideals of lending transparency that I could not find this information anywhere on their website.
Product: Credit card or prepaid card

On XX/XX/2022 I made two payments to a vendor using my Capitol One card. Capital One indicates both payments went thru to the vendor, the vendor indicates only one was received. I requested Capitol One to investigate why the 2nd payment did not go thru to the vendor, Capitol One credited my account, I submitted all the paperwork required to Capitol One. Capitol One ( in unusually fast response ) decided the paperwork submitted was not sufficient ; the vendor still insists they never received payment from Capitol One. The vendor has stated they have nothing else they can do and no longer respond to my requests for more information from their end that I can provide to Capitol One as proof they did not receive payment from Capitol One.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single XXXX, I loss my XXXX earlier this year after the birth of our second XXXX and things have been really tough for me and my girls and to find out I have this now on my list is really XXXXXXXX XXXX. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 of 2024 I got calls from Ally account servicing. My gap insurance hadnt paid the proper amount on my totaled account. I was told by the account service rep that no negative reporting would apply while I was investigating the issue. After I paid the account and settled I have XXXX  months of late payments reporting to all credit bureaus. Ive asked to delete the information as it is what I was promised. Now XXXX incapable of getting a mortgage because of their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter pertaining to my consumer rights and the instructions provided by the Fair Credit Reporting Act ( FCRA ) regarding permissible purpose. I want to clarify that I have never obtained a court order and that the instructions I provided were meant for the consumer reporting agencies, not for legal purposes. Additionally, I am requesting the deletion or removal of all derogatory findings furnished on my consumer reporting report. 

While understanding the FCRA provisions, specifically 15 USC 1681b, I acknowledge that it outlines the permissible purposes for which consumer reporting agencies can provide consumer reports. I want to clarify that my instructions were not intended to claim a court order as a permissible purpose. Instead, they were specific guidelines for the consumer reporting agencies regarding the handling of my credit information. 

In my previous written instructions to the consumer reporting agencies, I explicitly demanded that they take the following actions : Deletion/Removal of Derogatory Findings : I requested that the consumer reporting agencies delete or remove all derogatory findings that are currently being furnished on my consumer reporting report. These findings are causing negative consequences for me, and I believe they are inaccurate or unfairly affecting my creditworthiness. 
Utilization Limitation : I instructed the consumer reporting agencies to ensure that all credit utilization on my report is maintained at 3 % or below. This utilization rate is a critical factor in determining creditworthiness, and I wanted to ensure that it accurately reflects my financial responsibility. 
Pre-Notification of New Inquiries : I asked the consumer reporting agencies to contact me before furnishing any new inquiries on my report. By doing so, I intended to stay informed about any inquiries made into my credit history and have the opportunity to verify and authorize them. 
I would like to emphasize that my instructions were meant solely for the consumer reporting agencies to follow in order to improve the accuracy and fairness of the information they report. I understand that 15 USC 1681b ( 3 ) specifically pertains to court orders and does not apply to my situation.
Product: Credit reporting or other personal consumer reports

I was recently checking my credit report and I noticed a bunch of hard inquires that were not submitted by me. I am sending this information in because I want these fraudulent inquiries to be removed.
Product: Debt collection

I was charged {$28.00} to pay the XXXX XXXX XXXX. The XXXX XXXX company sent the bill to a different address in a different State ( Arizona ). Now, the Debt Collector company which is called Linebarger Goggan Blair & Sampson , LLP is trying to collect a debt for the amount of {$320.00} with the {$300.00} as a fee for not paying. I provided them with tons of documents showing them that I have been a resident of Maryland since 2021 and have nothing to do with Arizona address. They sent me a second notice asking me to pay the {$320.00}. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.
Product: Credit reporting or other personal consumer reports

Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to XXXX. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to XXXX. This card is XXXX years old, and stopped reporting which caused a drop in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report via Credit Karma as well as XXXX XXXX and noticed two credit cards that I did not apply for. The names of the credit card companies are XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I contacted both companies several times to let them know that these accounts are fraudulent and each time, they were unable to assist me. They continuously asked for my social security number, which I was uncomfortable providing them with, and an account number, which I don't have. I filed a dispute via Credit Karma and I was completely unhappy and confused with the results. They simply stated that the information was accurate and correct without even reaching out to me to verify anything.
Product: Credit reporting or other personal consumer reports

I had my identity used to open, and attempts to open, credit card accounts fraudulently. Experian is in the process of remedying those accounts and/or inquiries on my credit report. 
However, they asked that I create a report at XXXX, and then upload it to their platform, so that an investigation could be opened into the party or parties attempting to steal my identity/commit fraud. I did create and download a report from the identitytheft.gov site, but when I attempt to upload it to Experian 's website, it doesnt " work... I enter my personal information on the first page, click the button indicating I understand the disclosures, but when I try to advance to the next page to upload the report, it wipes out all of the information in the fields and leaves me with the starting page as I landed on it. 
I have made multiple attempts to get to technical support with Experian, but can never get through... they only allow you to choose from the automated options to report new fraud, put a freeze on your credit etc., without ever getting a live person who can provide technical support. 
I have tried at least 10 times each with two different browsers to upload the report, and the same thing keeps happening.
Product: Debt collection

XXXX XXXXXXXX XXXX which is managed by XXXX XXXX has reported an incorrect balance to XXXX XXXX XXXX and provided them with inaccurate documents regarding a balance owed. XXXX XXXX filed eviction on me XX/XX/XXXX, the statement and documents provided to the courts was false and the rent ledger was inaccurate. I had photos of money order payments she claimed wasnt made. Past due rent from XXXX and XXXX was issued in a form of check by Covid relief program. A payment from XXXX of XXXX was stolen from the drop box at the rent office. XXXX refused to file a police report but showed me video of the theft and informed me I wasnt responsible to double pay. Prior to our court hearing I attempted to speak with XXXX XXXX about the errors and which she failed to communicate. I also was in contact with her boss the regional XXXX XXXX XXXX via phone and email about the situation. In which she claimed to look into the matter but communication stopped once I contacted someone over her. At the court proceedings the attorney that was present with XXXX informed the courts that he wasnt addressing past due rent but the unlawful detainer because I was still in the property. I was scheduled to move in XXXX but ending of staying until XXXX due to XXXX XXXX actions. I lost my new apartment because she wouldnt return the reference letter. XXXX allegedly told her not to accept any payments for XXXX because eviction had been filed.