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

Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both TransUnion and XXXX. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.
Product: Debt collection

On XX/XX/XXXX, I paid off two accounts with XXXX. I paid {$300.00} to XXXX and {$250.00} to XXXX XXXX, leaving both with {$0.00} balances. Today XX/XX/XXXX, I received letters from Midland Credit Management saying I owe them {$240.00} for XXXX and {$230.00} for XXXX XXXX. When I asked how I owe them when the accounts were paid off, they told me it was for fees. They acknowledged they could see I made these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently reviewing my consumer report I noticed credit inquiries that were unauthorized due to Equifax data breach I provided a copy of the FTC report with the stated inquiries that was unauthorized please remove these items immediately due to the fact they are reports of fraudulent activity I'm providing each inquiry and the date that it transpiredXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, Experian, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
Product: Debt collection

Falsifying documents in the form of date when debt was purchased from original creditor.
Product: Debt collection

Hi, my name XXXX XXXX I recently submitted a complaint to XXXX about source receivables management which the collection doesn't belong to me and it is not mine. I have reached out to all 3 bureaus however, XXXX neglects to respond and leaves this debt collection that is invalid and I have had no business with this account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX institution in my TransUnion credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ XXXX {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the XXXX dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
Product: Credit reporting or other personal consumer reports

Made payments on my vehicle. Fell behind and made payments to catch up in XXXXXXXX XXXX XXXX. I was told there was nothing else due. Made extra payments in XXXX and I was told everything was fine. I received a late notification on my credit report. I called finance company and I was told I was late {$47.00}. There was a balance rolling over that was not on my bill none of the months. That is the reason for them to report my payments to the credit agencies as late. I tried making the payment on the {$47.00} dollars that were supposedly rolling balance and I was told I could not make the payment until it reflected on my account. They state they can not remove the late payments from the agencies.
Product: Credit card

I pay my Chase Sapphire Card in full, every month, without exception. At times, I end up paying a few days late due to travel/work. Because I pay in full, I call and ask at time of payment for a refund of any late fees/interest ( if any ), and they have 100 % of the time obliged ( for obvious reasons ). XX/XX/2016 this happened again, and I was told on the phone that the late fee/interest was waived and I paid the remaining balance in full. As it turned out, they only waived the late fee, so I in actuality did not pay in full, kicking off a series of monthly interest charges. This happened XX/XX/XXXX and XX/XX/XXXX as well as I was traveling for work/holidays over the due date. I again paid in full and called and they said the fees/interest were waived. It only now has come to my attention that the interest was never waived as told, which means my payment " in full '' was short an unknown interest payment, allowing them to rack up hundreds in interest fees ( that I thought were waived ) on purchases that were paid in full. When I called them, they said they could n't do anything, EVEN THOUGH THEY HAD TOLD ME FOR MONTHS that those fees had been waived ( and therefore I was paying in full ).
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I received a notice about a debt and they stated they were assigned the debt that I have no knowledge about. The letter was dated XX/XX/XXXX and that ai have 30 days to dispute this debt. I have tried contacting this company for the last 10 days without any way to reach them. I think that it is unfair to assume that this is my debt and to share my information with third parties as the letter stated
Product: Credit card

I never opened a capital one walmart credit card, never signed Agreement to have this account opened in my name, I have come to find out that you have gave someone a credit card in my name, and now it's in bad standing..this is not my account and I never agreed to have this account opened in my name, ,please remove from my credit report. All history please.
Product: Student loan

XXXX sold my private student loans to Navient. Navient continues to refuse to provide me with a statement that will show each of my loan statements on one document. Navient will not provide me with TPD discharge information.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding XXXX, XXXX, and TransUnion, related to an inaccurate late payment on my credit report for my credit card account ending in XXXX. As the account holder, I have disputed this erroneous entry directly with each bureau, citing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), yet I have received no adequate response or corrective action from any of the bureaus. 

Details of Dispute and Violations The presence of an incorrect late payment on my credit report is damaging to my credit profile and financial standing. Despite my consistent payment history, the bureaus have reported a late payment in error. I have demanded verification and correction per my rights, but each bureau has failed to comply. 

According to FCRA 611 ( 15 U.S.C. 1681i ), consumers are entitled to a prompt and thorough reinvestigation of disputed information. The continued reporting of this inaccurate late payment suggests the bureaus are not adhering to FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates the maintenance of maximum possible accuracy. This inaccurate reporting has persisted despite my dispute and request for correction. 

Furthermore, FDCPA 807 ( 15 U.S.C. 1692e ) prohibits the dissemination of false or misleading information in the collection and reporting of debts. The failure of the bureaus to remove this inaccurate late payment is not only misleading but violates my rights under FCRA 623 ( a ) ( 1 ) ( A ), which requires that information furnished to the bureaus is accurate.

Request for CFPB Action Due to the lack of response from the credit bureaus, I am requesting the CFPB to : 1. Initiate an Investigation : Conduct an independent investigation into XXXX, XXXX, and TransUnions compliance with FCRA and FDCPA regarding the erroneous late payment on my report. 
2. Demand Documentation : Require that each credit bureau provide full documentation of their investigation, including the method of investigation and any records used to validate the late payment on my account.

3. Ensure Correction and Compliance : Insist that XXXX, XXXX, and TransUnion remove the inaccurate late payment from my credit report, update my account to reflect on-time payments, and provide me with an updated copy of my credit report to confirm the correction. 

Failure to uphold FCRA and FDCPA obligations harms consumers and erodes trust in the credit reporting system. I am counting on the CFPBs commitment to consumer protection to ensure these credit bureaus comply with federal standards of accuracy and accountability. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution of this complaint. 

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

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXXXXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

: I had bills I need to pay, so I go to XXXX XXXXl, add XXXX $ to my card, short time later, I received and email, saying account closed, I call, they said they shut down for policy terms, couldn't provide any proof on whatever they said, couldn't provide, then stated I could not receive my money I just put on back period, with no supervisor, no one that basically can talk to about refund, I kept saying, I got id, receipts from the XXXX XXXXXXXX, email, even my card, I really need my money, I'm XXXX  and my XXXX  is also, barely making on XXXX, that robbed me
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Product: Debt collection

I think this bill was caused because of my stitches I received at the hospital over a year ago. I paid multiple bills on this, including XXXX XXXX XXXX  XXXX XXXX. This is the same company for this scam bill as well. I tried to call but I kept going to voicemail immediately. I believe this a scam because I paid this bill almost a year ago, and I got a collection notice out of no where. I have not been getting contacted by anyone regarding this despite saying so in the bill. 

I'm concerned I was scammed the first time because I thought it was real deal. I think they're trying to scam me twice now. 

The date on the 'scam ' bill is XXXX XXXX, XXXX Two accounts : {$250.00} and {$37.00} Total : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


XXXX XXXX -XXXX XXXX  XXXXXXXX XXXX XXXXXXXX -NCB XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on transunion, XXXX, XXXX and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.
Product: Credit card

This is a follow up complaint on the same debt. 
The company agreed to remove all interest, totaling {$230.00}. It did not. 
I paid the full principal amount. Nonetheless, the company has now added new, additional interest of {$22.00} PLUS INTEREST on the interest, totaling {$25.00}. 
I paid the company by check with a restrictive endorsement saying the payment was in full satisfaction of any amount owing. The company cashed the check contrary to the restrictive endorsement. 
Thus, the company 's action is illegal in at least 2 new ways. This is in addition to its violations of the Truth in Lending Law and the NY General Obligations Law.
Product: Credit card

I am writing to file a complaint regarding a closed account that remains on my credit report, which I believe should be removed. Despite my efforts to resolve this directly with Self finical the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.Discover charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Ad Astra Recovery Systems showing on my credit report for a collection as this is not a legitimate debt owed. Debt was paid in full to original creditor. In review of paperwork all scheduled repayments were made over the course of almost 18 months duration, all marked as " PAI, Paid ''. Only 1 payment in the course of the entire repayment schedule was marked as a " return '' BUT that was even marked as " PAI, Paid '', a few days later but still shows as " PAI, Paid. '' Not sure why was it even was an initial " return '' as the repayments were ACH's/Etf 's set up against my checking account and I do have, in excess of over {$500.00} in event should ever need it, " overdraft protection on my checking account. Original creditor 's policy is too attempt the ACH's/Etf 's until they go through. It was made and credited to account, even though a few days late, and the next scheduled repayment was just 2 days later and that one, and all others for rest of the entire duration went through as scheduled. After my last and final repayment, last payment was made 16 months ago, and due to that I 've not received any communication from original creditor either via phone or mail that debt was not paid in full per agreement, And No Further ACH 's by original creditor have been made or attempted to be made against my checking account which remains the same now as was then, and they would have had the legal right to do so to get repayment if owed, I am continuing to dispute this attempted collection claim as other people have against Ad Astra as a company 's attempt which tries to collect that which is not owed. My debt has been paid in full to original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Experian refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto FInance has inquired on my credit report several times and was asked to remove the several inquiries and to this date XX/XX/XXXX have not removed the inquries this has caused me several problems with obtaining credit as well as bringing my score down to a very loanscorer. These are the dates of the inquiries XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX had no permisson to inquire on my credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I also Contacted all of credit bureau to attempt to remove the debt and have not received results as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do an investigation on my credit report to make sure everything was true and accurate. I received their results back and they were verified as accurate. There is no way they can be accurate when each credit bureau is reporting something different. There are many inaccuracies on my credit report from all three credit bureaus. These are violations of the FCRA. I have included my credit report before I sent the letters and my credit report after the investigation to show all the violations circled.