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

I am writing to request that the CAPITAL ONE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had late payments on my past mortgage with XXXX XXXX  XXXX XXXX in XXXX two of them. I sold the home on XX/XX/XXXX. I asked Transunion to remove the late payment as it was affecting my credit rating/score and they said they could not. They advised me to have XXXX XXXX XXXXXXXX remove it from my account. XXXX XXXX XXXXXXXX advised me that they are only reporting what happened during the course of the loan by law and that they can not remove those late payments from the account which I understand. I went back to Transunion and they said that XXXX XXXX XXXXXXXX can write me a good fate response in regards to those late payments. XXXX XXXX XXXX said they do not write good fate statements for this type of request and that all the credit bureaus know this. I went back to Transunion and they advised me to contact you guys ( CFPB ). I have been at this since the last week of XX/XX/XXXX trying to have Transunion remove this late payment from their record since the loan was paid off in full. They told me that this late payment is set to be removed in XXXX. My argument is since the loan was paid off in full, no foreclosure or bankruptcy why keep the late payments on my report for 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA XXXX however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.
Product: Credit card or prepaid card

A balance transfer check was issued from XXXX XXXX XXXX for my Home Depot Account in the amount of {$640.00}. The check was cashed on XX/XX/ according to XXXX ( see attached ). 
I have not received credit to my Home Depot account and several attempts were made to verify that the check was received and was not credited to my account. 
I have been paying interest on my home Depot account, as well as the balance tranfer from XXXX. 
I contacted Citibank and there are stating that there was no signature on the check and could not honor it. 
I hope for a quick resolution of the matter as it has been ongoing for more than a year. 
I find it egregious that a simple matter has resulted in lost of time and money and no apparent
Product: Checking or savings account

Ive recently noticed a string of unauthorized purchase on my checking with Bank of America. When I noticed the charges, i contacted Bank of America swiftly to inform them of the fraudulent charges that were being charged on my account. It was a series of charges from a company called hard rock for various amounts, varying from all types of amounts dating back for months. Companies should not be able to steal from hard working Americans. Ive tried contacting the hard rock company and Ive received no help at all, so my next steps was to inform my banking institution of these fraudulent charges to which it seems like they are being of no help also. In this instance a pin was never used, I was never alerted of such transaction or anything. If I did not catch on to this unfortunate fraudulent disaster who knows how long it would have continued. Consumers should not be held liable for charges they did not commit. Ive included the multiple charges that were being charged on my account through a string of different dates.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my redit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlights in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to address my ongoing concern regarding the fraudulent items on my credit report. This letter serves as my second attempt to rectify this matter. 

Upon reviewing my credit report, I have identified several items that are inaccurately listed and appear to be fraudulent. Despite my initial attempt to address these issues, they persist on my report, causing me significant distress and concern. 

I request that you thoroughly investigate these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. 

As per the Fair Credit Reporting Act, I am entitled to an accurate and fair credit report. It is imperative that you uphold this right and rectify the errors on my report promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX ( Bank ), I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Company-Transunion ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account , for the months of XXXX, XXXX, XXXX, and XXXX Compan- XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$130.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$120.00}XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$56.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX* date XXXX XX/XX/XXXX bal. {$0.00XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my XXXX report 3 times.
Product: Student loan

On XX/XX/2016 I signed an agreement with Ameritech Financial to assist me with the repayment of my student loans. I paid {$190.00} a month for a year and {$99.00} a month thereafter. Last year, I'm unsure of the exact month, I received a letter for XXXX XXXX that I was about to default on my student loans. Prior to my contacting Ameritech, I received a letter from the FTC that they were suing Ameritech for : making false promises that people could permanently reduce their monthly payments charging illegal upfront fees telling people their fees would go toward their student loan balances, which wasnt true quoted directly from the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Validation that I gave written consent under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq, I demand removal from my credit report and pay {$1000.00} dollars for unauthorized inquiry : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To [ Premium Cred ] You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I also request validation that, I gave written consent to pull or review my credit. Failure to produce evidence by law, I will be seeking damages, if it is not immediately removed from my credit. I have not initiated any transaction with Premium CRED Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Premium CRED for review or collection. 


Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian consumer report and I noticed some inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX Balance {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many of the inaccuracies being reported by Experian using their online complaint procedures and Experian refuses to have my credit report showing accurate and positive information. Experian has many old accounts that are included in bankruptcy reporting derogatory and collection and showing as if it were still debt. I have absolutely no new derogatory or collections on my report in the past three years. The inaccurate reporting is stopping me from making good efforts in repairing my report. XXXXXXXX XXXX ( along with other accounts ) should have been removed from the report along with other debt included in my bankruptcy. I feel Experian denying my rights to repair my credit by using old accounts against me even after showing proof these accounts are part of bankruptcy. I will provide an example with attached photos. 

Experian is quick to report ALL negative stuff but very very slow to report positive. For example, a new inquiry hits the Experian report within minutes. Balances on good standing accounts remain the same after positive payment history. I have made OVER {$1200.00} worth of positive payments absolutely NONE reported! Ive obtained new credit only one reported and showing but not updated because it was paid off.

I have my debit card linked and every single time the balance changes Experian sends notifications This is 100 % unfair credit reporting!!! I have been maintaining all positive behavior for three plus years and Experian is totally disregarding all of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

The year XXXX of this year where my information was stolen from different sources that uses XXXX and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Product: Checking or savings account

Beginning of XX/XX/2023, my vehicle was broken into. I had personal property that was stolen and my personal identity information, as well as financial information, was potentially compromised during this break-in. Fraudulent activity was identified between my Navy Federal Credit Union ( NFCU ) and another banks checking accounts. I reported the fraudulent activity with both banks on XX/XX/2023. Totaling over {$15000.00} between the two accounts. 

NFCU did not provide a provisional credit towards my account, nor did they try and contact me on the matter once reported. This caused me financial hardship which I have yet to been able to recover from. 

On XX/XX/2023, NFCU sent me a direct message through its app saying the investigation is complete, no fraud. No explanation as to how they came up with this determination. It was very frustrating. 

I am currently still going back and forth with the company about this matter. Police report has been made.
Product: Debt collection

Jefferson Capital System has harassed me repeatedly over and over again. They threatened that if I didnt pay something that during the said time I was in fact XXXX XXXX XXXX XXXXl, said they would going to sue me, they would mess up my life with my credit, and they would send me XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My open auto loan account with Universal Acceptance Corporation was removed from my XX/XX/XXXXreport all together. I have an XXXX XXXX XX/XX/XXXX I finance through them. I was alerted to a change to my account by XX/XX/XXXX on XXXX XXXX that an account was removed from my report. When I logged in I found that it was my carhop finance account. I asked through email why my account was removed and was told they were made aware and were working with the credit bureau to correct this matter. I have since had no contact from them in regards to this matter. Yesterday XXXX XXXX XXXX I called XX/XX/XXXXdirectly and asked why my account was removed. I was told that XX/XX/XXXX has no access to remove accounts, that has to be done by the creditor directly. I have had many many mechanical issues with this vehicle since I bought it from them on XX/XX/XXXX, which has total more then {$4500.00} in maintenance, fees for backup transportation and tows. Although they have helped with repair costs along the way. When paying over {$10000.00} for a car that is valued at roughly {$3800.00} at time of sale, I expect it to be thoroughly inspected. When issues arise I expect to be referred to competent mechanics if I have to go through those of your choice as stated to me many times. In total my car has been un drivable for at least 5 months and they have had to replace the drive shaft twice due to faulty labor. Its now having issues yet again. I still owe a total of about {$1300.00} and not sure if that is all interest accrued through the payment arrangements set to help pay for mechanics and not be threatened with repossession. Other then being strained for finances due to mechanical issues and an income issue due to covid I have stayed reasonably current on my loan and tried to stay in contact as best I can but even after explaining issues and when to expect payment they have called me every day at times looking for payment ( these issues happened specifically at the time of covid impacting my ability to pay ) and continued to threaten repossession even after chatting online with a representative that stated they had stopped repossession for the time being. The last time my car broke down was from approximately XX/XX/XXXX and wasnt able to be repaired until XX/XX/XXXX. At which time they suggested a couple times I trade my vehicle in, I refused. When my car was fixed I went to another auto dealer and had my credit run at which time I was denied because my score was impacted about 80-90 points I found out due to my loan delinquency during the start of the pandemic. It was about a month after this that my account was as removed from XX/XX/XXXX. Every time I have spoken to them in regards to my vehicle or loan after that they have pushed me to trade in my vehicle. I wasnt sure what area I should file this complaint under but feel this company has engaged in some very serious predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX to date I have written XXXX letters to US Bank and XXXX letters to XXXX, XXXX XXXX and XXXX. Copy of XXXX attached. 

US Bank, XXXX, XXXX XXXX, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my US Bank mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from US Bank supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to US Bank XXXX  times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to XXXX and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.
Product: Debt collection

A company by the name of Sequium Asset Solutions placed a collection notice on my credit report on or about XX/XX/XXXX. They did not list the amount and this was the first I had heard of this. No prior notice of any kind. I contact the company and they said it was for {$210.00}. and was for cable service to a address that I have not lived at since XXXX. I ask that they provide me with a validation of debt of they said they could not do that. They had no information of what the debt was about. Then I ask this to be removed from my credit report until it was determined to be a valid debt. I told them I could not confirm or deny the debt without additional information, but they stated they had no other information in the file. I requested once again that they removed the collection notice from my credit report until the validity of the debt was confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have problem with Equifax Credit Bereau. EQUIFAX reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX  messages to my mobile harrassing me by calling from unknown numbers . this is because of EQUIFAX sending and sharing my information to other parties. and equifax showing falsify information on my credit report beacuse of that iam paying XXXX APR every month. i have been paid XXXX interest in just two years because of EQUIFAX falsify credit report. iam going to file a law suit against Equifax. we are struggling her becuase of Equifax. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of Equifax.