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

According to the Fair Credit Reporting Act ( XXXX XXXX XXXX, Section XXXX ), consumer reporting agencies, such as XXXX and XXXX, have a duty to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to protect my private information. This is further supported by XXXX XXXX XXXX, which mandates that financial institutions must safeguard the privacy and security of customers ' nonpublic personal information. Under XXXX XXXX XXXX, Section XXXX, a consumer report XXXX only be furnished with the written consent of the consumer. I do not give consent to XXXX, XXXX, or any financial institution to share my information. Any consent previously given is hereby revoked. Additionally, XXXX XXXX XXXX requires financial institutions to inform consumers of their right to opt-out of having their nonpublic personal information shared. I was not informed of this right. Furthermore, XXXX XXXX XXXX ( a ) ( XXXX ) states that adverse information older than XXXX years can not be reported. Reporting such information without my permission is unlawful. According to XXXX XXXX XXXX ( A ) ( XXXX ) ( A ), no person should furnish inaccurate information to a consumer reporting agency. It is evident that XXXX and XXXX are not following reasonable procedures as required under XXXX XXXX XXXX to prevent violations and limit the use of consumer reports. Therefore, in accordance with XXXX CFR XXXX, I am exercising my right to opt out of your reporting services.
Product: Credit card or prepaid card

in XXXX I flagged a XXXX XXXX XXXX charge. XXXX reissued the card but never credited the charge back. Here it is in XXXX they are now saying I owe XXXX on card XXXX for a service I never received nor owe. Unfortunately I did not receive service from the vendor. Scrupulously bank practices attached are transcripts from XXXX and XXXX in trying to resolve this issue
Product: Credit reporting or other personal consumer reports

Hey there, I'm reaching out because I'm in a real bind with TransUnion. They're flat out refusing to block certain information under Section 605B, and it's causing me a ton of stress. 

I've been dealing with identity theft, and it's seriously messing with my credit report. So, naturally, I tried to get TransUnion to block this incorrect info. But guess what? They're saying no-go. 

I've tried to explain the situation, provided all the necessary evidence, but they're sticking to their guns. It feels like they're not playing by the rules, and it's seriously impacting my financial life. 

I also sent them a response to there letter refusing to block by telling them i am a real person and im not misrepresenting the facts. 

then they sent me a second letter saying i was working with a third party or credit clinic. that's not the case either Can someone please step in and help me out here? I'm at my wit 's end. I've attached all the relevant documents and communications for your reference.
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Debt collection

XXXX XXXX has put me into collections for a bill i never owed. I informed them that I did not owe the debt however they placed it into collections for the sum of {$220.00}. The debt has bounced throughout multiple collection agencies and each time it does my credit takes a hit.
Product: Credit card or prepaid card

At XXXX XX/XX/2023 I received a text and have filed a police report over {$500.00} bucks in charges to the account after my wallet, work phone, and ipad. 

I received a text from Chime in which they asked me if I had authorized these charges, I said no. They said no charges will be made to my account. However, I checked my Chime account and 7 charges were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to them and they said they would send this to their investigation team and could not cancel it. Because of this I can not afford my bills. I did not authorize the charges.
Product: Student loan

My husband and I have a Parent plus loan dating back about 10 yrs, originated with XXXX and now with ACS. Payments have always been made by mail. the past several years as our XXXX children graduated and money became more available to us, I made larger payments. I began to notice my statements were not coming monthly. I set up a on-line account and realized there were quite a few statements with 3 month lapses and sums of extra payments that were applied to interest and not the principal. I notified ACS by phone which requires a few auto dials and time. I instructed them that I would like to receive monthly statements even when I overpay in order that we could receive the benefit of paying ahead. I was informed that it could not be changed at this time but I would have to wait until another payment was made and I would have to call back when the next payment was being processed. Regarding the extra balance paid ahead, some of the money was applied toward the interest that accrued over the months that ACS did not send me any statements, making it look like they had been taking what I thought would be coming off my principal and instead using it to pay unpaid 2-3 months of interest. My husband and I have paid off many loans over the years, and never have I seen anything that resembled this. If I pay ahead on the principal, I always continue to get a monthly statement that updates me and allows me to budget. This, being a student loan at 7.25 % interest, which we have never been negligent on, should be much easier and user friendly. Our option is to attempt to contact ACS at the right time to change to monthly billing or take money from a retirement 401k and pay the XXXX XXXX balance off. Also, does not make up for the money lost when we thought our extra payment was being applied to our principal, and we did not realize that a statement had not come that month ; we had actually gone a month or at times 2 months without making a payment. At times it looks like our entire extra payment went to the principal ; I always write on the return slip to '' apply to principal. '' At other times it was going to interest which I have now found out was because no payment had been made for 2-3 mo., again related to no monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information 
not mine please remove
sent po report XXXX XXXX
Product: Credit card

I recently contacted a credit card company through my bank to apply for credit to pay for a roof that my house needs. I want to know how much credit I will be extended before accepting the card they can not answer without issuing me a card. I do n't see you why credit card companies ca n't tell the customer how much credit they will extend them before signing them onto a new card???
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/year> I had a Lease with Acima. I was paying {$280.00} bi weekly. I called them a week before my final payment was due and asked for an extension and they they could deduct that amount from my account. When I noticed that the amount had not come out on the day I selected, I called and asked why they had not deducted the funds. I was informed that I should have called in for the final payment. At no time as I informed to do this. I asked that the payment be drafted. This caused them to asks for the original pay off as if I never made any payments. I was supposed to pay off in 90 days and that last payment is what messed up this lease to purchase.

I called for two weeks straight and gave up. This was unfair practices and consumers should not be treated like this. They said I can return the glasses and pay {$60.00} to get out of the lease. I paid over {$2700.00} in this lease and was almost done paying if they had drafted my final payment this would not have happened. I was out of {$2700.00} and my glasses.
Product: Mortgage

I put money down on a new home to see if I qualify for a loan. XXXX XXXX XXXX is the loan service for XXXX XXXX as XXXX uses incentives on the homes only if you go through XXXX. I put good faith monies down to start the process under the agreement that if I could not make the payments I would not move forward if that is how I interpreted the loan paperwork. I gave approximate 11K down for earnest and deposit. XXXX approved me for the loan knowing that I would qualify under there expanded loan terms but I was not aware until months later about going up to 50 % of salary. I figured I was close but thought under normal loan terms so I would not default. I disclosed all of my information to them showing I am going to be backwards in the loan with showing them my expenses but the refuse to deny my loan so I can get my earnest money back. With my current non revolving expenses I am {$800.00} a month in the negative and showed my expenses to them but say it is not their problem and will not deny. please help ... My belief is this happens a lot in my opinion to keep the earnest and deposit monies.

Attached spreadsheet of expenses revolving and monthly expenses. Non predatory lenders and home builders would back out if good faith was used.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXXXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I have reached out to CMRE FINANCIAL SERVICES several times they will not respond. They have placed a collection on my credit and will only update with the credit bureau. XXXX  refuses to remove even though I have provided proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I mailed the following to Equifax certified mail : To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ; should be excluded from a consumer report.

Pursuant to 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, congress states ANY CARD and the credit card used is my social security card. My social security card was used to originate every consumer credit transition listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 8 ) XXXX XXXX XXXX XXXX  9 ) XXXX XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX XXXX In conclusion and pursuant to 15 USC 1681a ( 2 ) ( B ), items listed above should be excluded from my consumer report and I DEMAND THEY ALL BE DELETED IMMEDIATELY as Equifax is in direct violation of my federally protected consumer rights under Title 15 Chapter 41. 
Thank you, The following accounts still remain : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I contacted Transunion and filed a complaint regarding the XXXX XXXX account. I informed them that they are reporting false information. I do not owe a balance of {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Title 15USC 1611 PNC Bank did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Product: Debt collection

Did not disclose communication was an attempt to collect a debt, I have no knowledge of it and it 's on my credit report? If it was debt it should have been handled by my lawyer because of a Auto Accident, that happened three years ago. Statue of limitations are way long gone for them to be attempting to get a medical bill paid from it. 

Why is this on my credit when the agency has n't even contacted me, and all the debt from this Auto accident has been settled already?
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXXXXXX XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX inquiry date XX/XX/23
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my consumer rights : XXXX/DEPT OF EDU # XXXX XXXX /DEPT OF EDU # XXXX 15 U.S.C. 1681 Section 602A : states that I have right to privacy.

15 U.S.C. 1681 Section 604 A Section II : states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

15 USC 1681C-2 A Consumer Reporting Agency shall BLOCK the reporting of any information in the file of a consumer identifies as information that results from an alleged identity theft, not later than ( 4 ) business days after the date of the receipt. It has been thirty ( 30 ) days and you are in VIOLATION of this Law because I am a victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection [ c ] any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a Federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer, I am DEMANDING the deletion ( s ) of accounts listed : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, I request, pursuant to FCRA 605B ( 15 USC 1681C-2 ), that the Experian Credit Reporting Agency block ALL of the accounts, charge off, addresses and hard inquiries identified in this CFPB complaint from my consumer credit file within ( 4 ) business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX Account # : XXXX Balance : {$570.00}-
Product: Credit reporting or other personal consumer reports

Todays date is XX/XX/2023 My current and legal first name is and only is XXXX My current and legal last name is and only is XXXX My current and complete residential and mailing street number is XXXX My current complete residential XXXX XXXX name is XXXX XXXX XXXX XXXX 
My current complete residential mailing city is and only is XXXX My current complete residential mailing state is Alabama. 

Please remove or Cease retaining of any and all others that you might have reporting or on record or else present document statement certifying my rights to retain or report over consumer removal of authorization. 
To whom it might concern, I am requesting to remove the INQUIRYS AND CLOSE ACCOUNTS from my personal credit report. 
In genuine sincerity I close, my first and last name is and only is XXXX XXXX. My street number and street name is and only is XXXX XXXX XXXX XXXX my city and state is and only is XXXX, Alabama
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't recognize this inquiry
Product: Credit card or prepaid card

Capital One has committed Fraud on my Credit Card # XXXX. On XX/XX/XXXX Dr. XXXX charged my card {$140.00} for products I ordered. Then Capital One entered another charge of {$140.00} on XX/XX/XXXX. That same day they removed that charge. I notified Cap One that this product never was received and was not in my possession. On XX/XX/XXXX Capital One notified me that they were putting {$140.00} back on my card since the merchant provided a tracking number. I sent Capital One ( Transaction Support Center ) a two-page letter disputing this amount. No products were received. My dispute letter on XX/XX/XXXX to their Transaction Support Center remains unanswered. My XX/XX/XXXX dispute letter to XXXX XXXX, Chairman & CEO remains unanswered. My XX/XX/XXXX letter to Mr. XXXX also remains unanswered. On XX/XX/XXXX I s/w XXXX # XXXX without any success in getting the {$140.00} removed. On XX/XX/XXXX I s/w XXXX # XXXX still without any success. XX/XX/XXXX @ XXXX XXXX I s/w Val # XXXX & he would not provide me with his supervisors name. So, I requested to be transferred to his Supervisor. At XXXX XXXX XXXXXXXX # XXXX also refused to provide me with her supervisors name. She said it was Cap One Policy. She told me the {$140.00} was still on my card. I asked her to have her Manager call me and she refused. She said it was Cap One policy. I asked to be transferred to the technical department and she refused as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX  credit reporting. They are reporting inaccurate and old information I feel on purpose. I have been paying off debt and watching my credit and no matter what I do they keep lowering my score for any reason. But never raising. XXXX  XXXX XXXX  card was paid to XXXX  on XX/XX/XXXX and it posted on XX/XX/XXXX but on I think XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX transunion would rather pull the information from my XXXX XXXX statement date of XX/XX/XXXX. Which make my debt ratio look higher than it actually currently is. Next issue I had a car loan for a XXXX XXXX my report said possibly derogatory. And of course XXXX  ran with the negative without having any facts. I first saw a Dr. XXXX XX/XX/XXXX when the doctor declared me legally XXXX and said I could not drive anymore. In which I reached out to XXXX XXXX XXXX and told them of my situation. They said I could surrender the car to them and they would sale it at auction. And if it sold for more than the loan they would pay it off and send me the difference. Which it did. I was concerned about the reporting agencies using this against me. XXXX XXXX  XXXX  told me this was a self surrender not a repossession. But of course XXXX  went ahead listed it as a repossession. How am I supposed to drive a car if legally I cant drive. I even called XXXX and was worried that car would get ticketed on the city street. So we agreed on a pick up at my cousins house because they have their own driveway. I did everything within my power to get XXXX the car and did a self surrender but like always XXXX  went ahead and listed this against me. I feel like Im being discriminated against because of my XXXX. Im sitting here struggling to file this complaint because of the misinformation and lack of proper reporting being done to me. 

Equifax has done the similar things with my credit score and report. Not reflecting the correct accurate information like XXXX  is doing. Equifax is using old information cards that are paid off to reflect a higher debt ratio keeping my scores low. When if they are pulling correct current data it would show XXXX on XXXX XXXX and now XXXX on XXXX. And I fear they are using the car loan against me too when I self surrendered because I cant see to drive anymore. 

With XXXX  they did the same but after disputing they started to update my info but I want to make sure they arent using the car loan against me to. Whats even more weird is with XXXX  my report is telling me that I dont have enough credit cards. Some my credit is risky. That makes no sense. Like Ive said from the beginning they are reporting accurately and using their inaccurate reporting against me. All three show the newest inquiry but dont list the new credit card. Its not right whats being done. When someone is doing their part. Their reporting is discouraging for someone trying to do the right things. Be proactive and stay on top of things.