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

To Whom It May Concern, I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT. XXXX, XXXX, XX/XX/year>. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681, Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bankruptcy Court XXXX Georgia ... XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately
Product: Credit reporting or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused XXXX injury and defamation of character along with XXXX days of no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

fact, I the affiant is aware and have proof that Equifax has and continued to violate my consumer privacy rights. I the affiant observed 35 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and mental anguish.
Product: Mortgage

Hello, On XX/XX/XXXX was conditionally approved for a chase mortgage refinance. On XX/XX/XXXX after three months of financial inquiries I received a verbal after weeks of asking for an update my refinance is being declined and I will not be refunded {$500.00}. The reason for the decline is because I do not have a sale agreement to support the payoff of an auto loan in my account and the check is written directly to me. What is even worst Chase was not aware of the payoff as it was not on my credit report and shared with them so they can include in financial responsibility re adjustment. I am being informed the {$500.00} is not being refunded due to fees incurred, but every week I was following up and would not hear back for days as the front line rep was constantly waiting on under writing. One fee they are staying is appraisal which was {$350.00} but they fail to inform you they charge you an extra {$50.00} because the company they use charge them this. Appraisal was conducted too early and should have been done once all financial reviewed were completed so the customer does not incur and unnecessary charge if they are declined for financial reasons. Additional, they submitted my items to title company who has called my employer three times wanting me to complete information with me which I am sure is a cost as well. Received a call from the in XX/XX/XXXX the same day I received a verbal decline. At this time I am only asking for chase to refund me back {$500.00} as the fee incurred where unnecessary and due to there internal process failures. When you have at least 3 people changes and no telling what is occuring in back office which makes them take weeks to respond to simple feedback a customer should not be penalized for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from Transunion, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Product: Debt collection

I have no known knowledge of this company or debt collection agency. I have never signed any contracts or agreements to this agency nor do I know who they are. I am asking for proof of any agreements signed by me to this agency as well as negative removal from my credit report.
Product: Debt collection

Ive set validation letters to experian to dispute a debt that is way over the statute of limitations on my credit report and they refuse to remove the account that is a violation of my rights as a consumer they are inaccurately reporting a lot on my report and jot trying to solve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX  XXXX people over XXXX in XXXX XXXX XXXX  loan that was and has been paid off and taken care of years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX Open date XXXX Experian-XXXX XXXXXXXX Date last payment XXXX Experian-XXXX XXXXXXXX XXXX 120 days late Experian- XX/XX/XXXX 150 days late XXXX XX/XX/XXXX 120 days late XXXX XXXX late Experian-XXXX  180 XXXX XXXX XXXX - ExperianXXXX XXXX XXXXXXXX OK XXXX XXXX Experian-XXXX XXXXXXXX OK XXXX Experian-XXXX XXXXXXXX OK Since XX/XX/XXXX to XX/XX/XXXX I have sent multiple letters. With no response back. 
Attempted to dispute online but was unable to upload any documents. 
Attempted to get thru on phone after being on hold for hours. 
As a XXXX work XXXX hour shifts throughout the pandemic XXXX XXXX XXXX then coming home to care for XXXX children. This has been emotional draining. 
These derogatory errors on my credit report are preventing me and my family from building our dream home.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD- INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT. 
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED " PROOF '' OF THE ORIGINAL CONTRACT WHICH CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND BACK TO ME. 

TRANSUNION FRAUDULENT ACCOUNTS XXXX XXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$380.00}, XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$530.00}, XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX, BALANCE {$1300.00}, XXXX  XXXX XXXX XXXX XXXX DATE OPENED XXXX, BALANCE {$0.00} XXXX FRAUDULENT ACCOUNTS XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX, ACCOUNT # XXXX XXXX DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX  XXXX, ACCOUNT # XXXX XXXX DATE OPENED, XXXX, BALANCE {$530.00}, XXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1300.00}, XXXX  XXXX XXXX XXXX XXXX, DATE XXXX XXXX, XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX, BALANCE {$0.00} XXXX XXXX ACCOUNTS : XXXX, DATE XXXX XXXX XXXX  ACCOUNT # XXXX XXXX DATE OPENED XXXX, BALANCE {$380.00}, XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1200.00} XXXX XXXXXXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DATE OPENED XXXX, BALANCE {$1300.00}
Product: Student loan

I have a student loan for my attendance to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was located in XXXX, MA. I XXXX XXXX in XXXX  and was a victim of predatory loan activities. The school has been found to have practiced predatory behavior. Federal student loans were forgiven and legal proceedings have established a precedence that XXXX was a for profit school only focused on exploiting their student body.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 the credit report was to be a soft inquire on the app XXXX XXXX XXXX XXXX XXXX NV XXXX THROUGH THE VA BECAUSE I AM AWARE HOW A HARD INQUIRE WILL AFFECT YOUR CREDIT SCORE THIS WAS TOLD BEFORE THE REPORT WAS PULLED.OTHERWISE I WOULD OF REFUSED HAVING IT PULLED.IT WAS TO MY UNDERSTANDING BECAUSE THIS WAS SENT FROM THE VA IT WOULD BE A SOFT INQUIRE.YESTERDAY I OPENED A SAVINGS ACCOUNT AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THE VP/XXXX XXXX SAID I COULD GET A CREDIT CARD WITH MY CREDIT SCORE I SHOWED HER MY XXXX XXXX ACCOUNT BUT IT WOULD OF BEEN A HARD INQUIRE AND BECAUSE OF THAT I REFUSED IT BECAUSE I DID NOT WANT THE INQUIRE ON MY CREDIT REPORT.I HAVE WORKED VERY HARD TO MAINTAIN GOOD CREDIT MY 3 CREDIT CARDS SHOULD HAVE A XXXX BALANCE.I WAS TOLD IN XXXX THE VA WILL APPROVE ME FOR A XXXX DOLLAR CARD IF MY CREDIT STAYS AS GOOD AS I HAVE BEEN KEEPING IT.AND MY INCOME HAS INCREASED TO XXXX XXXX PER YEAR.THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017  I received a letter from the IRS instructing  XXXX   County Circuit Courts and the Credit bureaus to remove a paid lien entry on my credit  reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX  Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Product: Credit card

I signed up for a XXXX that has an annual fee when I was traveling a lot for work and could benefit from the benefits offered with that card. I no longer travel for work and I no longer want the benefits associated with that card and I want to convert it to a card with no annual fee. Chase bank does not offer a credit card with no fee that can be assigned to this line of credit. The only option they gave me is to cancel my line of credit. ( or a card with a lower annual fee which is not acceptable ) This would have a negative effect on my credit rating because my credit usage would go up, and my life of credit would go down, resulting in a reduction of my XXXX score. This is not fair. they are holding my XXXX score hostage. This is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, noticed my score tanked. Finally had time to investigate in XX/XX/2020. Discovered that somehow Experian has lumped an installment loan onto my credit card debt and has been reporting that I am way over my credit limit. This is totally untrue, as in fact I am under all my credit limits. This has caused my fico score to tank and I have been tryin to find a way to talk to a real person at this company but it is darn near impossible ... they only have so many prompts which lead nowhere and then they cut you off. There is no way to dispute this problem with them online. I have written a letter and that is all I have been able to do. I did reach someone live one day who said I was correct and they were wrong and he was expediting it to be fixed in a day or two. Not fixed three weeks later and still not able to get thru to anyone live again. This is ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -XXXX XXXXe XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from XXXX XXXX and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this XXXX XXXX and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number # XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back XXXX XXXX and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on Experian and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the XXXX XXXX, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.
Product: Payday loan, title loan, or personal loan

I am reaching out to the CFPB with concern as to how both the " Special Financing Company LLC and XXXX XXXX  '' operate in the capacity of offering marketing and financing solutions provided to the public. I believed that what had been provided was straight forward but once getting a bit deeper I had discovered that the platform offered by XXXX XXXX is basic and entry at best vs 's what is described compared to what is offered with other platforms. After finding the truth based upon my own discovery i had requested to cancel services not to move forward with XXXXXXXX XXXX. In addition followed up with the Special Financing Company LLC. requesting to cancel service and funding to move forward with XXXX XXXX. Within days of entry and signing their contract i had requested to cancel services, only to be delayed pushed off to support speaking with XXXX going in circles and reselling me on services and having to be rescheduled for the request to cancel for a 15 min call just to cancel which had been pushed off for 2 weeks. Once I had the ability of speaking to XXXX XXXX " financial advisor '' as he stated from XXXX XXXX he refused to cancel stating that i had already been funded and that it was to late to refund or cancel. As XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for over a decade, I have never experienced a company slow walk a simple request like this EVER! The actions of XXXX XXXX 's conduct validates my decision to not proceed with XXXX XXXX or their Special Financing Company LLC. I have also reached out to my Banking institution for the refund of my initial deposit of {$900.00} with XXXX XXXX which had been refunded within 24hrs of my concern, as well all three credit bureaus have been contacted regarding this matter. 
AGAIN My last call with XXXX XXXX was direct and to the point calling out the obvious in which he deflected/ dismissive stating that he had to go to another appointment and that he would not cancel services upon my request and that it was to late. The XXXX XXXX XXXX XXXX had been a bit more receptive and that my request stops with XXXX XXXX 's decision to rescind. XXXX XXXX had reached out after a week and half last Saturday XXXX trying to resolve the matter of my request to cancel or answer questions or answer concerns ... '' going with the motions ''. It is very simple I am over the smoke and mirrors, Cancel services stop dragging this out! I felt like i was dealing with a cable company. What credentials support XXXX XXXX 's title as a financial advisor?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my XXXX statement from Capital One and saw they reported an inaccurate balance of {$82.00}. I have been paying my balance in full for the past few months now. I am very confused how theyre reporting FALSE balance to the bureaus and making FRAUDULENT statements. I have been a consumer for over 5 years. This now makes me want to leave and NEVER DO BUSINESS with Capital One EVER again. 
My transactions totaled {$1000.00} for a 31 day billing cycle ( XX/XX/XXXX XX/XX/XXXX ). There was a total of 4 payments made during my cycle. The following payments were {$200.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, 2 payments of {$82.00} each on XX/XX/XXXX. I also had credits included from rewards and refunds which totaled {$150.00}. Anyone can do that math and see that balance was paid in full. 
I contacted Capital One XXXX XXXX XXXX following the issue above. I was on hold for an extended period and hung up since I could not get through to speak to an agent. I called again XX/XX/XXXX around XXXX cst. I finally spoke to an agent named XXXX and was on hold for over 20 mins trying to get the issue resolved. He assured me my payment will reflect on my next billing statement. After, the call I disputed the matter with XXXX XXXX. Following that dispute they decided to report a balance to the bureaus reflecting transactions made after my billing cycle. I decided to leave the matter alone since agent XXXX said that it would be fixed. I also asked multiple times for documentation when on the call. He just kept assuring me it will be handled next statement cycle. 
My XXXX statement was finally available on XX/XX/XXXX. When I see my statement, it still showed that I had a previous balance of {$82.00} from XXXX. Which are inaccurate calculations if my balance was paid in full. So, I contacted Capital One again for the THIRD XXXX time following this matter of false statements and inaccuracies. The call was made around XXXX. I spoke to an agent named XXXX he then stated that I would receive a statement in the mail within 3-10 business days reflecting that my XXXX balance was paid in full. I asked to receive it digitally because in the app it just looks like theyre trying to HIDE their FRAUDULENT statements. The agent XXXX then says, It will be fixed on your next billing cycle. I asked to speak to someone else because now youre giving me two different answers. The call was then handled by a supervisor named XXXX, she was stating that there was no error and proceeded to go over the FALSE BILLING STATEMENTS. I told her I am looking at my transactions and there is ERRORS AND INACCURACIES. She insisted there was no error. So, I stated that I would just have to report the issue to a higher matter. I also received an email before the call stating there was a system update causing an error in my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting 2 Bankruptcies on my credit, I have called them and my attorney has written them a letter that this information is invalid along with supporting documentation. They refuse to supply where they are getting the information because they claim its from the bankruptcy court on my report but they told me they did not report to them and this information is invalid I have NEVER filed bankruptcy. Why will they not supply me with the real source of their information. This is a violation of the fair credit reporting act. I have been fighting this for months and they refuse to really give me any valid proof or documentation I have requested of why this is on my report, it does not match the other agencies reporting???