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

The Credit bureaus stated my account was properly investigated but my credit report says otherwise. There are multiple inaccuracies on all XXXX  of my credit reports the dates, payments and numbers on my credit report are inaccurate.

It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy.

My rights also violated under 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.

This charge off is also considered a certificate of indebtedness which means that this is now income and income can not be reported to my credit report.

15 U.S.C 1681n - Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting all the forms and the police report of stolen items it was denied and I didn't give the person who did it permission to use any of the cards stolen. My apt was broke into and items were stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

On XX/XX/XXXX I called because I received a late fee. The representative told me that he could not receive the late fee because they removed a late fee on XX/XX/XXXX. 

I called back to speak with a supervisor. I reached someone and I requested the late fee removal and she said she could not remove it. I asked to have my due date of the XXXX of the month changed as it is a hardship to pay on this date. She informed me I could not change my due date. She lied. 

On XX/XX/XXXX I called regarding another late fee I was charged on top of the late fee I paid late. I asked if I could have it removed. I was told no. I asked to have my due date changed and the rep changed my due date. My purchase of {$35.00} has now become a {$95.00} expense. 

I should not have to pay the late fee I received for paying the late fee late. This was not a charge. I am requesting to have the late fee due XX/XX/XXXX removed.
Product: Credit reporting or other personal consumer reports

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 
According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1100.00}
Product: Mortgage

On XX/XX/2018 Carrington Mortgages LLC approved me for a Mortgage Loan. My loan manager XXXX XXXX pre approved me for over XXXX dollars. I closed on a home on XX/XX/2018. My closing date was scheduled but it was changed four times due to inconsistencies of processing my loan application and mismanagement issues with the underwriters. I had three underwriters in the course of four month reviewing my loan. My closing dates changed four times. 

In fact, I was led to believe I was approved so I had an earnest money of XXXX XXXX dollars.deposit which I want in return for this issues and my loan manager not being transparent with me upfront that I wasted my time and money going through this burden past four months. 

My realtor told me that Carrington Mortgage LLC was going to return my deposit, I have not received it that's why I am writing this complaint I did not appreciate my loan manager speaking directly to my Realtor in reference to my loan and my medical conditions with the VA. During a conference call with the VA , my loan manager stated that I will not get a mortgage loan with another company due to what's in his credit report. I found this unprofessional and I was offended by this. 
This is unfair business practice and a violation of my privacy.
Product: Money transfer, virtual currency, or money service

cammed on XXXX/Zelle Within the Banking Institution as a Third-Party App I have tried to dispute the transaction and reported a financial crime but the money was not returned. I was scammed out of {$900.00} when the recipient added an extra XXXX to the transaction ( {$1000.00} instead of {$100.00} ). They used my phone to add the email address and by the time I noticed it the next morning, it was too late and they stopped returning my calls and texts. 

" Weve completed our investigation and determined an error didnt occur for the following reason : XXXX XXXX XXXXXXXX XXXX  has confirmed that the funds were sent and applied to the account that was registered to the email entered at the time of the transfer. The recipient received the credit on XX/XX/2023. 

The external bank has denied our request for a return. '' https : //www.consumerfinance.gov/about-us/newsroom/cfpb-report-identifies-issues-with-increased-servicemember-use-of-digital-payment-apps/ " If you send money to an email address or U.S. mobile number for someone other than your intended recipient and the wrong recipient isn't willing to send the money back to you, call us at XXXX ( XXXX ). There's no guarantee that we'll be able to get the money back if it has been sent to the wrong recipient due to member error, such as a keystroke error or typo. '' Problem : Zelle {$1000.00} Transaction ( {$900.00} Stolen )
Product: Credit reporting, credit repair services, or other personal consumer reports

Recent hard pull on credit file. Their website strictly states soft pull, got a preauthorization, then when calling to check on info, I did not sign or authorize anything, nor asked, for the hard pull, told what I needed to submit, told them I would get back with them, then seen on credit report, I already have an account with this company and was looking into adding more funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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. 

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

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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take 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 relations 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

To Whom It May Concern I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was recently compromised in a data breach, which has led to unauthorized activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its removal if it can not be verified as authorized by me. 

Furthermore, the continued reporting of these inquiries after my dispute violates my rights under the FCRA, including but not limited to the following provisions : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information.

3. 15 U.S.C. 1681n - Liability for willful noncompliance.

I have already filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and will escalate further if these inquiries are not removed immediately. Additionally, I reserve the right to pursue legal action for the willful disregard of my rights under federal law. 

You have XXXX hours from the receipt of this letter to remove the unauthorized inquiries from my credit report. Failure to comply will result in further action, including filing additional complaints with state and federal regulators, contacting the Federal Trade Commission ( FTC ), and seeking legal representation. 

This is a serious matter, and I will not tolerate any further obstruction or delay. Please confirm in writing that the inquiries have been removed. I expect full compliance without further denials or delays. 

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

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with honda financial services on XX/XX/XXXX. This was reporting to my credit bueuas up untill around XXXX of XXXX and then they suddenly removed it from all of my credit burea reports. I paid the loan off early in XXXX of XXXX as my maturity date wasnt untill XXXX of XXXX. When I went to get another vehicle loan I was advised that it was not showing on my report. I went back and did some research and saw the last time it was report was XXXX of XXXX. I contacted Honda financial services today and they said they would not report it. That they removed alot of loans from the bueas due to XXXX  but i was paying on time and had not requested them to do this. They refused to report my payment history for the last 6 years back on my credit report. They said they could send me a paid in full letter but this does not help my credit score and history. They have been negativly impacting me for over 2 years now. The fact that they did this with some clients as they claim not all also makes me feel like they have discriminated on myself as a XXXX man and maybe others. I did not think it was legal for them to do this to some clients and not all. I want this reported on my credit report imideiate so that my score and my overall history refects the payments and efferts i have made.
Product: Credit reporting or other personal consumer reports

Hello the following charged off account has been reported as income to the IRS. XXXX account XXXX for the amount of {$6500.00}. 

According to:1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have not given permission for my income to be reported on my credit report. Please remove or delete the account that is reporting my personal income. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX  reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX  have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several requests for XXXX  Equifax and XXXX to remove a fraudulent item from my credit report under the name of XXXX XXXX XXXX and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  Equifax and XXXX  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX XXXX and Portfolio XXXX XXXX  Equifax and XXXX  clearly stating that I did not open or authorize any account from XXXX XXXX XXXX and XXXX XXXX Associates. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account
Product: Credit card or prepaid card

I have reached out several times disputing this late payment that is reporting for the month XXXX XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.
Product: Credit card

For the past XXXX months I have been sending my payment through usps. Certified mail. Paid in full. But it was not credited
Product: Prepaid card

Every since I open my account with American Express Serve has been charging me Monthly Fees and not applying my direct deposit two day before my payday. I usually get paid on Saturday and as today XXXX XXXX, 2016 did not receive my payment. Please review my account and make they working according to Federal Regulations.
Product: Consumer Loan

I have a loan ( fixed ) with Discover Personal Loan service ( account # XXXX ). I thought when I consolidated my Credit Cards, my payments would help me get out of debit faster. I did n't know how high the Interest payment would be. My monthly payment is {$580.00} for a {$2500.00} loan that stated in XX/XX/XXXX. The interest payments started in the {$500.00} range in XXXX and now it 's down to {$280.00} as of XX/XX/XXXX. They 've take more interest then they put towards the principle. MY loan payment as of XX/XX/XXXX is still at {$19.00}. I called to asked if I my interest payment and monthly payment can be lowered, but they said that 's could n't be done according to the agreement. I have XXXX other Discover Credit card accounts that are at the max. XXXX is at {$7800.00} and the other is at {$2100.00}. I have other debit that I 'm trying to keep up with, but I would like to know if theirs anything I can do about the agreement of the Discover personal loan,
Product: Credit card

I received a {$4.00} interest charge that was posted on my statement that closed on XX/XX/2023. I called and was told that this was a result of a 3 day late payment for the XXXX statement. The XXXX statement balance was {$11.00}. My XXXX statement showed that the interest was calculated on a balance of {$270.00} at a rate of 21.49 %. The explanation was that the balance was calculated based on purchases made on the XXXX statement. It seems unreasonable to be charged interest on payments that are not yet due. This practice, if legal, should be discontinued. No reasonable person would think that it is ok to charge interest on payments that are not yet due.
Product: Debt collection

RMA CREDIT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.