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

This account became delinquent in XXXX 2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XXXX XXXX, 2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XXXX XXXX 2019, I paid the monthly payment amount of XXXX, on XXXX XXXX 2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX-19, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX, XXXX XXXX, XXXX, I have XXXX hard inquiries on my Transunion, Equifax and Experian accounts I did not authorize. I purchased a new vehicle on XX/XX/XXXX and should have only had XXXX hard inquiry from XXXX XXXX as they are the exclusive Finance company for XXXXXXXX XXXX Car Dealership. The rest of these hard inquiries listed below were UNAUTHORIZED XXXX. XXXX ( XXXX ) - XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car Loan XXXX. XXXX XXXX- XX/XX/XXXX ( car loan ) XXXX. XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX Finance XX/XX/XXXX ( unknown ) XXXX. XXXX- XX/XX/XXXX ( unknown ) XXXX. XXXX XXXX XXXX ( unknown ) XXXX. XXXX XXXX Bank XXXX XXXX XX/XX/XXXX ( unknown ) XXXX. XXXX ( Bank XXXX XXXX ( unknown )
Product: Credit reporting or other personal consumer reports

i went to try to apply for a loan and my credit was pulled i became aware of multiple inquiaries that do no belong to me and due to these incorrect reading on my report its making it impossible for me to move forward in my daily living
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no category subscribing to the problem that I am having with TransUnion credit bureau. 
I notice on XX/XX/XXXX XXXX XXXX credit card account XXXX paid and closed, last activity XX/XX/XXXX. The positive account had been removed from file on XX/XX/XXXX the score drop 72 points from XXXX. I understand that positive accounts from last activity is 10 years on credit file. XX/XX/XXXX the account would drop off credit file. The positive account is still on XXXX  and XXXX. 

I had called Transunion twice today and XXXX XXXX. I had gotten the run around by both parties. Can not add the good credit back on to my file. XXXX XXXX had nothing to do with the account being deleted.. TransUnion refuses to ad the positive account back on to my credit file.
Product: Debt collection

XX/XX/year> CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Subject : Dispute of False Debt on Credit Report Dear Sir/Madam, I am writing to formally dispute a debt that has been reported inaccurately on my credit report. I recently reviewed my credit report and found an entry that I believe is incorrect. The debt is listed under CREDIT COLLECTION SERVIC and reported as {$710.00}, with an account number of XXXX. 

I have never had any dealings with XXXX CREDIT COLLECTION SERVIC, and I believe this account to be a mistake or potential fraud. I request that you investigate this matter and remove this incorrect entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate the disputed information and respond within 30 days. I ask that you please update my credit report to reflect the accurate information as soon as possible. 

Please confirm receipt of this letter and inform me of the status of your investigation. If you need any additional information or documentation, feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have the full account number but this is the number reporting on my credit report. 

However stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 make 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I have autodraft set up for my Lending Club account and the XXXX payment didn't pull on its due date because of a temporary block on my checking because of a suspicious activity alert. The payment then pulled 8 days later, well within the 15 day grace period. They never posted it to my account and have been calling me for nearly three months. I have spoken with them at least 7 or 8 times, I have provided bank statements showing when the payment came out, that it was not returned and they keep applying the current payment to the past month therefore creating a rolling 30 day late. Their collection desk has been of no help. I have been promised calls from supervisors or managers and that has not happened. One of their collection people stated they see the payment was received, she saw the email with the bank statement, and she would escalate to her manager to resolve yet the calls continue.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries on my credit report that I did not authorize. Under 15 USC 16c-2, these entries are inaccurate and need to be corrected by removing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX binance. Us added in a form that forces you to agree to the bam trading services. These services will take your XXXX data and it will be sold for a profit. You are not allowed to access your trading account or money unless you agree to this. No heads up or warning was given. It was just forced upon all us users. This is absolutely illegal
Product: Credit reporting or other personal consumer reports

Dear Experain RE : XXXX XXXX XXXX Relief, and Economic Security ( XXXX ) XXXX, Passed by Congress and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ).

I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be UPDATED to as Pays or Paid as AGREED.

Account Name + Account Number Late Payment reported on ( Month and Year ). Please update the account as Paid/Current The late payments were reported during the XXXX XXXX and CONGRESS Passed a law on XXXX XXXX Stating creditors should not report any late payments. The law states the following : XXXX XXXX XXXX, Relief, and Economic Security ( XXXX ) XXXX, Passed by Congress and signed into law on XXXX, XXXX, Contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15USC 1681s-2 ( a ) ( 1 ) ). Now a furnisher of data to the consumer reporting agencies that allows its customer to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXX, should not report the account as delinquent, but should continue reporting it as current, Unless the account was delinquent before XXXX related deferral or modification, are retroactive to XX/XX/year> and do not apply to charge-off accounts. 

Please reverse the late payments on XXXX and XX/XX/year> as its a direct Violation of the XXXX XXXX, Relief, and Economic Security Act. Additionally, I have never been late on The afore mentioned accounts these errors ( I found and uploaded XXXX  XXXX statement showing account was a Payment in XX/XX/year> and I paid account in full on XX/XX/year>, are the result processing issues during the pandemic.
Product: Money transfer, virtual currency, or money service

Amount : XXXX. Date XX/XX/2023, Paypal billpay to XXXX Amount : XXXX Date XX/XX/2023, Paypal billpay to XXXX I VERY CLEARLY TEND TO PAY MY XXXX  WITH MY CREDIT CARD, NOT BANK CHECKING ACCOUNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

I SUBMIT THE PAYMENT WITH MY CREDIT CARD FIRST, AND ADD THE CHECKING ACCOUNT LATER, YOU STILL WITHDRAW FROM MY CHECKING ACCOUNT!!!!!! THIS HAPPEN TWICE AND PAYPAL NEVER RESOLVE THE PROBLEM!!! THEY MUST BE FINED FINED FINED HARD!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XXXX I received notification that possible fraudulent activity was reported on my XXXX XXXX Credit Card. ALL transactions and statements were only done online with XXXX. I have had the account for approximately 16 years with no issues. At that time they shut down my online access " for protection ''. I was unable to reach anyone through their phone lines. I tried numerous times. I received no information on the fraudulent activity. I then was denied a loan from my credit union who I have never had an issue with because they showed me that on the TransUnion report it showed TWO charge offs by XXXX and reported to a collection agency both for {$1800.00}. I immediately called XXXX again almost daily for weeks the phone again would reach an automatic voice that said they detected my number and redirected me to a message that said the voicemail I reached could not receive any messages then go beep-beep-beep and hang up. Over the last month I have tried NUMEROUS times with the same result and never being able to reach anyone. I also tried the collection agency. I spoke with numerous agents and a supervisor. The supervisor informed me ( after looking into the account ) that they never reported the collection to TransUnion and I would need to speak to XXXX directly. He told me they had just received the paperwork and that it should never appear twice from anyone. This should NEVER be reported as a charge off. They closed the account because they shut it down because they told me there was fraudulent charges by someone ( not me- but it had been hacked ) and I have been unable to reach anyone to talk to resume payments as I ALWAYS make every month for 16 years. The supervisor at the collection agency did not even want to take a payment as he said I needed to talk with XXXX directly. I then tried to dispute with Transunion today to find out my TransUnion account was hacked, so I will also need to file something with them. This account has become a nightmare. I need this rectified as someone else charged on the account and everything was shut down on me to protect me, but then I was unable to access anything and it was ( I am assuming ) accidentally turned in by XXXX as a charge off and TWICE! Please remove the charge off ( both ) so that my credit is back to a good standing with my credit union. Thank you.
Product: Checking or savings account

Made purchase at XXXX 
Parts never arrived, XXXX claims parts left on doorstep around middle XX/XX/XXXX. 
XXXX has horrible customer service, problem resolution ... So I filed fraud claim with bank.. Bank cancelled my card and gave me another card to follow the fraud procedure. 

However, my bank has sided with XXXX and I still have not recieved the merchandise. This claim is against my bank for failing to support me in a bad fraudulent deceptive practices with XXXX..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXXSubject : Formal Complaint Against Equifax for Violating the Fair Credit Reporting Act** Dear CFPB, I am writing to formally file a complaint against Equifax for what I believe to be blatant violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B concerning permissible purposes of consumer reports. It is my assertion that Equifax has failed to comply with the legal stipulations surrounding the furnishing of consumer reports.

According to the FCRA, consumer reporting agencies are permitted to provide consumer reports only under specific circumstances, predominantly upon receiving written instructions from the consumer. Equifax has not adhered to these regulations in their reporting practices regarding my XXXX XXXX XXXX  card. # XXXX Additionally, the FCRA XXXX under 15 USC 1681 ( 2 ) ( a ) ( I ), clearly states that a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting agency. It is imperative to note that my credit utilization has been misrepresented, contradicting the guidelines outlined in the FCRA. 

I demand immediate action to rectify this situation. Specifically, I request that Equifax either : 1. Remove the inflated credit utilization from my report and update it to reflect 5 % or below, or 2. Completely eliminate the utilization data from my credit report.

This adjustment is crucial to ensure accurate reporting and to comply with the FCRA. I expect a prompt response to this matter, as the inaccuracies in my credit report have significant implications for my financial standing. 

Thank you for your immediate attention to this pressing issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and deployed this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Jpmcb XXXX Jpmcb Unauthorized hard pull on business account, failure to disclose.
Product: Student loan

In   XX/XX/XXXX - XX/XX/XXXX , I had tro uble paying my studen Loans and was received calls at work several times a week from Chase Student Loans. I repeatedly told them I could not receive these calls at work. I was calling weekly to make payments to catch up. At one point, a collection person called me and saying that should would no longer accept partical payments and began threatening to take me to court and have my wages garnished and they could seize any property I owned. I called another collection representative I had been dealing with in tears over what she had said and he saw in the notes on my account she had made records not to take partial payments from me. He removed the notes and went to review the phone records of her call and found them to be " missing ''.   XXXX  I continued to make weekly partial payments and my credit still refelcts th e 60,90,120  days late because Chase Student Loans refused offer any other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

santander consumer usa are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 all 3 credit reporting agencies, Equifax XXXX, XXXX  XXXX, XXXX XXXX report to XXXX those credit scores when I pull FICO it show Equifax XXXX, XXXX   XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable XXXX XXXX data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Accounts that are being challenged : XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

Listed below are the Collections that are being challenged : XXXX XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX  XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
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.

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 XXXX make 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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.