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

XX/XX/XXXX. Ally financial has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.
Product: Credit reporting or other personal consumer reports

I need help from the CFPB to assist me in obtaining my rights as a XXXX XXXX XXXX I am a homeless XXXX XXXX XXXX I reached out to Equifax on two separate occasions starting XX/XX/2024 uploading my XXXX XXXX documentation which consist of : ( i ) Victim determination ( A ) ( 2 ) Non-governmental organization, authorized by a federal, state, or tribal governmental entity to make such a determination ; also ( C ) is of a signed statement by the consumer attesting that the consumer is a XXXX XXXX XXXX  if such statement or an accompany document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section. ( ii ) Identified adverse items of information. ( A ) ( B ) Proof of identification which was ID, social security card, bank statement and all documentation of determination. I reached out to Equifax on two different occasions asking that the items in my credit report that were the result of XXXX XXXX be blocked from credit report. I was told by Equifax, they weren't willing to accept the documentation because Equifax wanted me to use another governmental agency to do my determination without doing this my documents wouldn't be accepted, nor approved. I'm asking the CFPB to look into Equifax Willful noncompliance of the Final Rule 1022.142 ( b ) ( 6 ), 1002.142 ( b ) ( 2 ). I don't want this case closed until the items that are in my credit report that were the results of XXXX are removed.
Product: Credit reporting or other personal consumer reports

There are Fraudulent insurance claims and Fraudulent insurance Policies in My Name Reporting on my LexisNexis Consumer Report, I need equal access to a hard copy of my LexisNexis consumer report.
Product: Credit reporting or other personal consumer reports

I recently requested a validation of debt under FDCPA. I AM INVOKING MY RIGHTS UNDER FCRA 611 ( a ) ( 7 ) to request comprehensive description of all methods employed to verify the collection account being reported. If the debt can not be validated within the 30 day period mandated by the FDCPA. I REQUESTING THE DEBT BE REMOVED FROM TRANSUNION, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX & Transunion ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but XXXX and Transunion are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has been charged off for 5 years and its still reporting on my Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on my report until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above information was found on my credit report regarding a company I do NOT recognize. They made a hard inquiry on my credit somehow and I want it removed immediately.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize this information and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this information, and remove them once its confirmed that it is not mine.I believe that someone else may my name.it could also be possible you are mixing up this account with someone that has a similar name as me.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, my credit score went down XXXX points..and i looked at why and the explanation for it was because my mortgage balance decreased. Meaning I made a payment and lowered the balance slightly. But somehow, my XXXX XXXX went down XXXX points which didn't make a lot of sense, ,I tried calling Transunion and they ended up hanging up on me and I never did get a call back but they should have had my number on file too in case of a disconnection..I would really like to know whats going on with my credit over the last XXXX months..because there was another issue not too long ago..where I paid on both my credit cards and waited without using them for almost a month..and that did not positively impact my score or move my scores AT ALL for a whole month..but once I used my XXXX  again, my score went down..Like something really wrong has been going on and I would really appreciate getting to the root of the problem and whats going on please.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a {$200.00} giftcard issued by US Bank and the card is not working - it's getting declined when trying to use it. I have contacted US Bank about the issue and was told to fax the copy of the giftcard from the front and back, the receipt from the store ( XXXX XXXX ), my info ( name, phone number, address, copy of my drivers license ). I did fax everything that was requested. 

On XX/XX/2018 I have called AGAIN ( because the giftcard is not working yet XXXX and asked for information when the card will be working and received no response. I was told that they " don't know ''. 

This is absolutely not acceptable! The giftcard was paid in full more than 48 hours ago and the giftcard issuer doesn't know when I could use the card??
Product: Debt collection

I just found out this was actually on my credit report I do not know what this is I have never gotten a letter regarding this matter
Product: Vehicle loan or lease

My XXXX was repossesed via towtruck on Friday XX/XX/2020. In the middle of the global pandemic of COVID19. I am a high risk individual, with a history of XXXX. My Lease bill went unpaid for 2 months, amidst a time I thought I was on auto-pay for the lease. Yesterday I answered the day to an unmasked towing worker, with my car already connected to the tow truck. I had only a few minutes to grab what I could. The office phones of Honda Finance were unresponsive, stating they were closed. I had been told no notice of it being repossesed. 

Imagine having hardly enough money for food in an economic shutdown and having your car towed away to be held against fees and charges that I haven't even begun to have explained to me. 

I have been out of work for weeks, and have been waiting 3 weeks still for PUA payments from the Government. 

I now have no way to pick up medications, food, or access to the items left behind in the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that XXXX  and Hyundai Motor Finance have no shame and are clearly illiterate. XXXX  XXXX initial response ( Report number XXXX ) to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from XXXX. 

Even if Hyundai Finance certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic XXXX  XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.
Product: Credit reporting, credit repair services, or other personal consumer reports

im being told I applied for credit for furniture which is incorrect from XXXX retail over {$700.00}. ive advised I have recently received or purchased furniture. ive asked when the application was done & where but no information received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a message on yesterday on XX/XX/XXXXXXXX saying that an old account from XXXX XXXX XXXX XXXX CO applied several remarks to my Equifax credit score listed on my XXXX XXXX  profile. Well boy did my credit score plummet after that remark was placed on my file. I was sad and miserable all day yesterday. I worked so hard to get my score to where it is now but to see it where it is now is just heartbreaking. It was a XXXX. Now it's at XXXX. Lost XXXX points. That hurt! 

1st remark states, paid repossession.

2nd remark states, paid using collateral. 

** Now keep in mind, I don't know what the heck is going on. I haven't had this vehicle in my possession in over 5 years so why wait until this year XXXX to try and damage me and my credit score? Makes no sense right? I think I financed the car, XXXX XXXX - 4 door - Automatic back in XXXX but I'm not accurate on that. I just would like to know what is going on that's all. I'm trying so desperately to get my score above water level and this happens. Now I can't get a chance to finance anything with no lender ( vehicle purchase wise ) because this company is trying to ruin my score. Can y'all help me? I'm so grateful a friend of mines at work told me about you all. You don't know how happy I am to see an entity created to help citizens like me. You all are greatly appreciated. Thank you. XXXX Bless you all for working so diligently and committed. XXXX Bless XXXX. 

Respectfully, XXXX XXXX
Product: Debt collection

XXXX XXXX ( XXXX ) called me on my cell phone asking for my wife, although with a slightly wrong version of her name. They would not tell me why until I provided last four of my wife 's social and gave them information about me and her. They said they were debt collectors representing XXXX, but neither myself or my wife does business with XXXX. I refused to give them any new information and hung up. 

I am not sure if they were phishing or otherwise just trying to gain access to us or our information, but it was an unsolicited call on a number on the do not call registry.
Product: Checking or savings account

I Called chase bank because my account was locked and I talked to someone and they said multiple login attempts was made and it wasnt from me. I changed my password previously because I was hacked and the person who hacked me was XXXX XXXX and his friend. They put a fake check in my account with someone else name on it and i havent realized it until now the day I got banned. If you look at my account login it was someone from New York logged in to my account! I want to be unbanned please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute after dispute after dispute with Equifax about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX -XXXX  XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  The following does not belong to me : XXXX  XXXX Account Info Reported on XX/XX/XXXX Equifax retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.
Product: Student loan

wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and helping me make more money. I am currently paying the loan and it seems I did not get any type of refund for this.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX Bankruptcy Federal Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference 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: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX XXXX and XXXX XXXX wrote a check to XXXX XXXX from their XXXX bank account. Someone, pretending to be XXXX, forged XXXX 's signature and wrote his ssn # on the back of the check to cash. Bank of America cashed the check against our checking account. The check on XX/XX/XXXX was for {$1900.00} and the check on XX/XX/XXXX was for {$1900.00}. We filed a claim on XX/XX/XXXX with Bank of America. On XX/XX/XXXX we received a letter from Bank of America denying the claim.
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 sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial is not reporting the correct payment amounts that are being made monthly. I 'm currently making over { $600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit burea us and West Lake financial would not do  anything to correct this issue.
Product: Debt collection

XXXX sold an alleged debt on XX/XX/2021 to XXXX in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, XXXX knowing this alleged debt is unverified, then sold it to Franklin Collections on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to 3rd parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.
Product: Credit reporting

XXXX, XXXX dba XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX, Telephone XXXX, is acting as a Consumer Credit Reporting Agency and refused to follow the FCRA. My recent application for an apartment rental was denied based on inaccurate data contained and reported by XXXX, XXXX. In addition, this company has refused to provide a copy of the consumer credit report used to based their decision, refused to allow me to dispute any inaccuracies or information contained in the report. 
XXXX, XXXX is reporting a non-existing collection item and telling their client the information is on my Experian Credit report and coming from a Experian product that screens tenant selection. According to Experian no such item is currently showing my credit report. I have ask Experian and XXXX XXXX to provide a copy of this report and to date both companies have refused to supply a report or disclose the source of the inaccurate information. Experian also is refusing to explain why the consumer credit report is showing no such information, but other products sold or credit reporting companies acting on behalf of Experian is reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Investigation Request Regarding Unauthorized Collection Accounts Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion, Equifax, and Experian for failing to remove multiple unauthorized collection accounts from my credit report, despite my formal disputes and supporting documentation proving identity theft. 

After being denied credit, I obtained my credit report and discovered the following fraudulent collection accounts that I did not open : XXXX. XXXX XXXX Reported twice as a duplicate ( Acct # XXXX ) XXXX. XXXX XXXX Reported twice as a duplicate ( Acct # XXXX, Acct # XXXX ) XXXX. XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX ( duplicate ) ( Acct # XXXX ) I have filed a police report with the XXXX XXXX Police Department ( XXXX ), reference # REPORT NUMBER : XXXX as evidence of identity theft. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and California Civil Code 1785.16.2, I formally requested the removal of these fraudulent accounts. However, despite my dispute, these credit bureaus continue to report the false information, negatively impacting my creditworthiness.

Additionally, under California Civil Code 1785.25 ( a ), data furnishers are prohibited from reporting inaccurate information. These collection agencies are in clear violation of this law by failing to correct fraudulent data after being notified. The refusal of TransUnion, Equifax, and Experian to delete these accounts also violates FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and correct inaccuracies within 30 days. 

I am requesting the CFPBs immediate intervention to ensure that all three credit bureaus comply with federal and state laws and remove these fraudulent collection accounts from my credit report. If this issue is not resolved, I will escalate the matter to the Federal Trade Commission ( FTC ) and the California Attorney Generals Office for further action. 

I expect an official response detailing the actions taken to resolve this complaint. Please confirm the removal of these accounts in writing. Thank you for your time and prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX
Product: Credit card

A previous compliant was made against USAA where company provided a statement of " Issuers may charge a higher fee if they can substantiate the amount is necessary to cover collection costs ''. I would like to request that USAA substantiate fees being charged in which its necessary to cover collection cost, as acct was a secured credit card and deposit was utilized 90 % of card balance. I have spoke to USAA and they are UNable to provide justification as to what charges or interest they are charging {$25.00} of late fees. I made a payment of XX/XX/year> for minimum payment due and was still charged a late fee. In addition to current credit card agreement, does not reflect language in XXXX XXXX Default, that reflect Issuers may charge a higher fee if they can substantiate the amount is necessary to cover collection costs to include late fees, I never agreed to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with Experian because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : MB FIN SVCS XXXX Date Opened : XXXX Balance : {$26000.00}