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

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint with CFPD two months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
Amount & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.
Product: Checking or savings account

I stayed with Truist bank because i was going through a hard time catching up with bills and would occasionally have to run negative for a few days until my next paycheck, i stayed with them because they advertised that they had to overdraft fees, over the course of the last 6 months, they have charged me {$1600.00} in overdraft fees, sometimes XXXX a day. My account was negative $ XXXX {$70.00} after paying LAST months rent. A few days ago now i am negative {$340.00} as of this because of just overdraft fees, I am about to be evicted ( my apartment sends a 10 day eviction notice after 3 days of being late on rent ) and lose my car and I don't know what to do, their hold times are sometimes 30 mins to a couple hours and when i get ahold of someone they are absolutely no help and tell me theres nothing they can do. They pretend to care and have this comforting persona right before telling you how much I'm out of luck. I cant believe this is how they do business, slowly losing everything. They take advantage of you at your lowest point and make it even harder to live. I have been playing catch up since this whole thing started and i just simply dont make enough at my FULL time job to balance out their extreme overdraft fees. 

Totally aside from my main concern but still a SERIOUS issue, one morning i woke up with {$300000.00} in my account, feeling like my prayers had been answered, moments later my account was negative {$600000.00} they had deposited someone else {$300000.00} check into my account for a gentleman named XXXX, ( my name is XXXX, not XXXX ) They froze my account for a week, then didn't say anything to me, when i showed up to the bank confused, and angry, account negative {$600000.00}, all they did was apologize and say they would refund the overdraft fee. Also, they left the check on my mobile app showing all of this guys account information ON MY ACCOUNT.. most likely not telling them they have given some complete stranger his retirement check and GAVE ME HIS ACCOUNT INFORMATION. All of which i have screenshots of this whole process. If that had gone to the wrong person, this poor guy could have had all of his money taken. Extremely unprofessional and dangerous. Not to mention this went down right before my car payment and insurance payment. Couldn't use my account for a week..
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a letter from XXXX XXXX XXXX stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( XXXX XXXX XXXX XXXX ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize XXXX  the first time around. 


ally bank : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted Transunion and XXXX  trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .Transunion and XXXX  have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now
Product: Credit card or prepaid card

I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out  a cash advance  of  XXXX  on  XXXX   XXXX   2017  and then paid  XXXX  on  XXXX   XXXX  and then  XXXX  on  XXXX   XXXX . Even though I was told on a call  to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c  ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.
Product: Vehicle loan or lease

My attorney advised me the XXXX account balance of $ XXXX should become null and void since vehicle was auctioned off and this vehicle was repossessed during the height of the Covid 19 Pandemic where I XXXX XXXX XXXX was unfortunately XXXX because of the mandates enforced by the Governor of the State of New Jersey . And this account should not be reflected as negative in my credit profile with the three major consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX XXXX car XXXX XXXX not supposed to run this credit check XXXX XXXX - XXXX dealership was not supposed to run this credit check XXXX XXXX XXXX  XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX  XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXXXXXX dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX- car dealership was not supposed to run this credit check
Product: Debt collection

I recently discovered tha t Credit Protection association has decided to report on my credit report and attempting to collect the same debt twice. They  are misrepresenting the balance to double the actual amount. I have  one  debt with them for {$280.00} and they are reporting I owe them {$570.00}, by adding a second account that does not exist. They recently did this after we disagreed on the account details. It 's absolutely insane that they are retaliating by adding an extra non-existent debt to my credit record as a way to retaliate against me. This is unacceptable. I am attaching a screenshot of the double reporting. How convenient that they decided to report this recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.
Product: Debt collection

Indigo already saying I owe {$720.00}. Dollars already only $ XXXX.credit limit.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/2024 before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I reached out to Apple Card Services, reached out to the merchant and coming to a dead end. {$120.00} was pulled for a free trial. Apple denied because I got the credit but it was only a prevision. Not the merchant. The merchant is extremely not helpful. They keep telling me to contact apple to get the money back and their site clearly states I got 14 days from being charged as a first time customer. This is around day XXXX. To add do this, the annual subscription for premium for this service is gone. So now Im also out regardless of this outcome. Can anyone help return my money? Please and thank you. This is all for the Apple Credit Card
Product: Mortgage

Property Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Loan Number : XXXX XXXX mortgage subserviced by LoanCare Account shows 6 months of unpaid mortgage ( XXXX XXXX ) LoanCare confirmed that autopayment was successfully set up on the site with correct banking information. 
o Per Loancare, because of a timing issue, the autopayment never took, however : The site allowed me to set up automatic payments The site never stated or warned that although autopayments were successfully set up, they would not go through. 
I found out my mortgage was sent to foreclosure only when I contacted LoanCare on Monday, XX/XX/XXXX. The situation above was discussed and I was told I would hear back no later than Thursday, XX/XX/XXXX. I did not hear back. 

I have no problem paying the full amount owed immediately. My primary concern is that because of a website error, my XXXX credit has now been destroyed. I would need the credit delinquencies and/or any other issues removed and restored and if not, will unfortunately be required to hire an attorney and escalate legally both a ) resolving the mortgage payments and credit impacts and b ) how a confirmed website glitch caused financial and emotional hardships.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts ; 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX. I am not going through a third party to report this. I am writing to delete the following information in my file. These items are causing me to not be able to build my credit, as well as not allowing me to buy a house. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

In XX/XX/2014 I went to a hospital for a procedure. An insurance co-payment bill was sent to a collection agency called EOS CCA. I found out and called and paid the collection agency in full with a credit card. Now they show that I owe {$86.00} on my credit report. 
I have been calling the collection agency to remove that from my credit report and they keep saying that I owe NOTHING and the credit reporting company has to fix it.I have contacted XXXX many times through their email and leaving voice messages and no response and no fixing. 
this is very frustrating and these people from the collection agency are rude and not helping. 
Please help Thanks
Product: Credit reporting

I disputed an item that Transunion had previously deleted from my account. I had a joint loan with my former husband initiated in XXXX on the property of XXXX XXXX XXXX, XXXX, MD XXXX. I went through a contested divorce and filed Chapter XXXX bankruptcy in XXXX. The loan was listed in the bankruptcy. It was XXXX mortgage. I was discharged on XXXX XXXX, XXXX. Case number XXXX. The mortgage was sold to XXXX XXXX XXXX. I disputed it with Transunion, number XXXX. By notice dated XXXX/XXXX/XXXX the item entitled " XXXX XXXX XXXX XXXX LP '' was deleted from my account. It is now back under the title of " XXXX '' I again disputed the account and Transunion sent me a notice dated XXXX/XXXX/XXXX # XXXX saying the account was verified, no change. I sent documentation to show I do not owe this loan. It is now impairing my credit and I can not qualify to purchase a place for my elderly mother to live. Obviously no one really investigated and paid no attention to the inception date or my discharge date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is knowingly reporting inaccurate data to the credit bureaus. My credit profile is affected by this inaccurate reporting which is SUSPICIOUS and DECEPTIVE. The account is showing closed yet late payments are being reported from XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Then in XX/XX/XXXXXXXX XXXX XXXX XXXX, an unknown status is reported. Which one is it? Lastly, if the account was charged off, then they reported the account as a reduction in income to the IRS and should be reporting a XXXXXXXX XXXX instead of the balance they are showing. I require the full GAAP accounting for this account. The balances are incorrect. 

By XXXX XXXXXXXX XXXX own admission the account was closed on XX/XX/XXXX, per the attached letter from them dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX violated my consumer right multiple times on account XXXX XXXX XXXX XXXX by verifying updating with notification of method of verification also violation of XXXXXXXX XXXX XXXX with improper charge of status Not reporting 1099 to IRS for writing of the debt and properly submitting me with 1099c for writing off debt over XXXX with irs which make designation of charge off false because it was not reported to the IRS which make this account inaccurate also tax fraud because there is no documentation file with the IRS of this charge being written off and no 1009c was issued Also equifax report is in complete as most of the data is blank - blank creditor classification - blank original creditor - blank activity designator - blank sold to but this debt has been sold multiple times and is now in law debt collectors- conflict of information that doesnt match with other consumer reporting agencies ( XXXX and XXXX XXXX blank credit limit - blank high credit - blank info available credit This account I demand to be deleted immediately this report in incomplete and violates my rights under consumer law Also date of 1st delinquency dont match was XXXX XXXX and last date of payment reports as XX/XX/XXXX - account open XX/XX/XXXX in payment history reports as blank in the same report in payment history is blank which is inaccurate and impossible- this account is reporting charged off but still reporting a past due balance which is a violation - defer payment is blank - date close is blank - schedule payment is blank -actual payment is blank -Ballon payment is blank Ballon payment date is blank - payment history are blank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX This account is incomplete and inaccurate for most of the report I want methods for everythis that is verified if not I demand this account be deleted immediately also I demand damages of XXXX per violation under the consumer law as I have substantial damages of denied credit on my personal and business credit where I has be substantial loss because of these violations and I demand this account to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

RESPONSE TO UNRESOLVED COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC decided to reinsert a negative item on my consumer report that was a result in identity theft. However, they fail to provide the Additional Information the creditor sent in order to verify the accurate of such item, under 15 U.S.C 1681i. Also contact the consumer within 5 days of reinsertion of an item once deleted. 

I received this letter on XX/XX/23 for deleted & reinserted on XX/XX/23. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

How was a fraudulent account verified? What investigation did TransUnion do?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.i Request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.