23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 n 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 4 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 n 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 n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I sent Midland Credit management a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX last night and again this morning stating : A new inquiry was just added to your Equifax credit report. This could affect your score, but the change will make less of an impact over time. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. 

Last night, I checked XXXX XXXX and saw a hard inquiry on my Equifax report for XXXX dated XX/XX/XXXX. I did not apply for any credit with XXXX. I was unable to reach a representative with XXXX last night so I called Equifax this morning and was advised to file a report with the FTC. Before filing this report, I reached out to XXXX. They said they would cancel the application and remove the inquiry from my credit report. They also suggested that I call Equifax back and request a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've paid for credit protection with Equifax for over a year now. Equifax was hacked and they believe my information was compromised. I already pay for their services and to further enroll in credit protection services will force me to waive my rights of legal action. 

I have not received a letter, email, or any other type of notification that my data was breached. I had to find out from XXXX after it was discovered that three executives sold their stocks 3 days before it was announced that they had been breached. This is unacceptable. This if true, is absolutely insider trading. The company executives need to be investigated along with the company as a whole. 

They literally had one job.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded report.
Product: Money transfer, virtual currency, or money service

Money was sent to me on XX/XX/scrub>XXXX When I went in to transfer the money today ( XX/XX/year> ) I received a notice that my account has been suspended. When I contact anyone via bot or phone I get nowhere. The funds are stuck in my Venmo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let transunion and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
Product: Payday loan, title loan, personal loan, or advance loan

A refund in amount of {$300.00} was issued today XX/XX/year>, from XXXX. The payment methods used to pay loan are all now closed out, a total of three different cards used to pay. Since cards are closed out, I request a check sent including interest paid.
Product: Credit reporting or other personal consumer reports

my identity was stolen and im getting back on track now i have inquiries that i did not authorize, i have no knowledge of them, please dont send me a letter saying that they were verified, how can you verify fraud.

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX on a loan for a vehicle from XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is the loan company for the vehicle. The payments are XXXX XXXX behind and on XXXX separate occasions XXXX XXXX has done a hard inquirary on my credit without consent. Once in XX/XX/2023 and again just a few days ago. This is making neg remarks on the credit ive been working on building up.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00},. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I have not initiated any business or financial transaction with those listed creditors that would warrant such an inquiry. I have carefully reviewed my credit report and am certain that this inquiry is incorrect and unauthorized.
Product: Checking or savings account

I requested a {$1000.00} payment to a creditor through XXXX XXXX XXXX on XXXX XXXX. The funds were withdrawn from my account and a check mailed to the creditor. The creditor claims he never received the payment, although I confirmed address details were accurate. 

I called the bank on XXXX XXXX and asked for a stop payment. I was told the check was never presented for payment. Supposedly a stop payment request was made, but the bank says it will take 10 business days to investigate and issue a " provisional credit. '' There is no need for an investigation or basis for refusing to release the funds once a stop payment is issued.
Product: Credit reporting or other personal consumer reports

Well, there was two items on my credit report one was for XXXX XXXX that didnt belong to me that was in a collections collection agency I didnt have the original contract with them so I need to be removed off my credit report. The second one on my credit report is XXXX XXXX XXXX. They still showing me a balance so its hurting me getting a car loan. Its hurting me to get a loan and I tell the bank and I tell the creditor I have a letter from Now, but they refused to take the letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX, XXXXXXXX XXXX, has violated my rights, 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 an account without my written instructions.
Product: Debt collection

I've disputed this alleged debt this year and last year and it was proven that this alleged debt isn't mine. For some reason this debt keep coming on my report in a portfolio of debt that has been bought. I'm tired of proving my innocence that this debt doesn't belong to me, I'm tired of being taken advantage of. I've seeked counsel to help me with this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm willing to call off my attorney if alleged debt is deleted from my report from all reporting bureaus
Product: Vehicle loan or lease

They say I'm eligible for a deferred payment and they want to get me back on track but they only give you XXXX weeks then want to do automatically payments on debit card then XXXX  days later want another payment automatically taken out how's that helping. Then there charging outrageous late fees XXXX 
I've already paid over XXXX in interest for a XXXX loan but I'm a good customer bought XXXX motorcycles from them when they ran the kawasaki credit  card paid outrageous interest on them too. 
The first XXXX  years is just pure interest on this car loan then next XXXX is for car And only a XXXX discount if paid off on remaining balance? How is that possible? 
They need to be investigated. 
Unethical business practices.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX has transfer an account to XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their XXXX XXXX  # XXXX, balance {$2000.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX Balance- {$16.00} Balance updated-XXXX  XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX  XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX  XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone number-XXXX ) XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit card or prepaid card

XX/XX/XXXX I went into a company to purchase something on my credit card and they said it was declined I then calleded Bank of America to find out why my card was declined they said they closed my account on XX/XX/XXXX and sent a letter I should get the letter in 7-10 days. 
XX/XX/XXXX I went into the Bank of America to find out why they close my account inside Bank of America could not tell me but they did contact the credit card department the manager requested credit card department forwarded her the letter they sent out to me. 
No one could still tell me why they close all 3 of my account they told me that I needed to reach out to XXXX because it was XXXX that contacted them to take action to close my accounts so I called XXXX to ask them why did they send information about me for my bank to close my accounts the representative from XXXX said they did not send information because there is no derogatory actions on my credit that would warrant for Bank of America to close my account so I needed to get back in touch with them to see what they were talking about because XXXX XXXX had nothing to do with it because Itheir record shows that I have good credit. 
I called back to Bank of America because inside the bank couldn't give me any answers I will switch to six different departments and no one still could tell me why my accounts were closed I have been a XXXX XXXX XXXXXXXX XXXX XXXX loyal member with Bank of America, one of my major credit cards I have had for 20 years never been late always paid on time and as agreed, with no fraudulent actions against my name so I don't understand why they could close my accounts like that without even justifying or trying to contact me to find out what the issue is after being such a long time customer.
Product: Debt collection

I received a letter from Jefferson Capital dated XX/XX/21 stating I owe a debt in the amount of {$680.00} w/ a description of " XXXX MC '' and a settle offer for {$370.00}. The issue is I have no knowledge of such debt. It states due to the age of debt they are not allowed to sue me but I don't want any damage to my credit either. I didn't have any accounts owing anything. Please provide a copy of any contract I signed or please refrain from attempting to collect amounts from me. Thank You.
Product: Mortgage

I have tried to complete a loan modification through CitiMortgage Inc., but they refuse to forward my loan documents to the investor. CitiMortgage is the servicer, XXXX XXXX is the master service, and XXXX XXXX is the investor. When I submit a loan modification my paperwork is sent only to XXXX XXXX and my loan modification is not being reviewed appropriately.
Product: Credit reporting or other personal consumer reports

Theres a military star account on my report that is fraudulent request that it be removed sent in a police report and a identity theft report equifax has not removed the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 90 and 120 days overdue which is actually published on my credit report appears inaccurate and or misleading. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : FEDLOAN SERVICING**** Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICINGXXXX Opened XXXX XXXX, XXXXBalance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICING**** Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXXBalance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed
Product: Debt collection

On XX/XX/year> I got a letter from XXXX XXXX XXXX Court that I was being sued by a company called XXXX XXXX XXXX, collection company. They just sued me without even notifying about getting into an arrangement, nothing. That was crazy, they couldn't do that. I had to hire a lawyer and spend thousands to get this fix and Im still working on it. They dont give me options, I have rights, but they are not considering that. Many people have complaints against that company for the same thing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Amount XXXX Reported 6 missed payments XXXX XXXX Reported 1 missed Payments XXXX XXXX Amount past duet {$5300.00} XXXX XXXX  Amount past due {$2500.00} Reported XXXX Reported 1 missed payments XXXX  Amount {$10000.00} Reported 5 missed payments XXXX  Amount {$15000.00} Reported 4 missed payments XXXX XXXX Amount {$7700.00} Reported 3 missed payments 34 LATE PAYMENST IN TOTAL!! 


Reported to be in collections XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX {$1300.00} Above listed accounts have all violated my rights! 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.