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

i submitted dispute to all ( 3 ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX TransUnion - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

XXXX - still not resolved the same investigation that I filed CFBP XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for TransUnion & XXXX to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX was an XXXX  at XXXX XXXX XXXX XXXX XXXX. He worked in the XXXX XXXX XXXX from XXXX to XXXX ... ..XXXX was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.
Product: Credit reporting or other personal consumer reports

Subject : Third Complaint Against Equifax for Non-Compliance and Failure to Provide Written Authorization Date : XX/XX/year> Consumer Information : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Company Name : Equifax Complaint Summary : I am filing this complaint against Equifax for their continued non-compliance with my previous requests regarding inaccurate information reported on my credit report. This is my third complaint, and I am now seeking monetary relief due to Equifaxs willful failure to address my concerns, even after I have communicated with them in writing multiple times. 

Equifax has not corrected inaccurate information on my credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which I dispute as incorrect. I have asked Equifax for clarification and correction but have yet to receive a satisfactory response. Additionally, Equifax has failed to provide written authorization from me, as is required by law, despite multiple requests. This continued failure to comply has caused significant harm to my financial wellbeing. 

Specific Allegations : Failure to Provide Written Authorization : Equifax has failed to send me written authorization from myself, which is required by law. I have made several requests for this and have not received any response or compliance. 

Inaccurate Inquiries Reported : The following inquiries are inaccurately reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are erroneous and should not be on my credit report. Despite my communication with Equifax regarding these inaccuracies, no corrective action has been taken. 

Willful Non-Compliance : Equifax has demonstrated willful non-compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have provided written notice of the inaccuracies in my report, but Equifax continues to report incorrect information without making necessary updates or corrections.

Violation of FCRA Section 605B : Under Section 605B of the Fair Credit Reporting Act, I am entitled to request corrections to inaccuracies on my credit report. Equifaxs failure to comply with these requests violates this section of the FCRA. 

Requested Resolution : Immediate correction of all inaccurate inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Provision of written authorization from myself, as required by law. 
Full compliance with my rights under the Fair Credit Reporting Act ( FCRA ), including the accurate reporting of all information on my credit report. 
Consideration for monetary relief due to the harm caused by their non-compliance and failure to uphold legal obligations. 
I trust the CFPB will investigate and hold Equifax accountable for its continued violation of the law and my rights. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was paid in full and closed. XXXX shows accurate information. However, trans Union and XXXX showing as charged off as bad debt and never paid. ACCT NAME : XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good
Product: Credit reporting or other personal consumer reports

An account was opened in my maiden name. I never received the card nor did I apply for this credit card. I have received a number of phone calls and dismissed them because they were not using my correct name. I was told months ago they understood and it looked to be fraudulent then I was sent a legal notification. I am on XXXX have never used seen or made payments. They are claiming I made on this card, I have never been to the locations discard was used and constantly being harassed over this account. It seems that my name and information was used to open this account. I have not used this name since I was married XXXX  years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. Here are the inquiries that I've found : XXXX XX/XX/year>, CERTIFIED CREDIT REPORTI XX/XX/year>. 
Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding the handling of my dispute letters. I submitted letters requesting verification of certain debts, providing all necessary documentation, including a notarized affidavit confirming that I am a victim of identity theft due to the XXXX data breach. Despite following the correct procedures and submitting the required documents, my disputes were not processed as expected. 

This situation has had a negative impact on my credit history, as the disputed accounts remain on my credit report without proper verification. I request a thorough review of my dispute and appropriate action to correct any inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these inquiries because they are not mine. The credit Bureaus took one off and left 5 on. I sent the information they asked for but the credit bureaus wont help fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru XXXX XXXX XXXX. XXXX XXXX XXXX that XXXX XXXXXXXX XXXX  was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from XXXX showing the update and not removal. 

I am also seeing this company on my TransUnion credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are 13 repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.
Product: Credit card

I have EnerBank. I have paid regularly and on time. Today I received a text message that my payment was late and I must make it now - to Regions - as they now took over. I called their number and asked for a copy of my statement, and then I would then pay. They can not, it's late. There will be late fees and fines on the next statement if I do not pay. I'd like proof they really have my account. I asked how many people did not get statements- well, most of the new ones from EnerBank did not go out! Is this a scam added to taking over my account? Can they really fine everyone for not paying a bill they never sent? There was never a notice that it would change. Help!
Product: Credit reporting

I called TransUnion about this issue and their customer service would not help and take care of the item on my credit report XXXX hard inquire ) this was an item that was removed and added back again ( if this is of any use, the customer service was very unhelpful ).
Product: Debt collection

I received a phone call from a collection agency ( not sure what the name was since it was early in the morning ) saying I had written a check for {$1500.00} to XXXX XXXX XXXX in XXXX and it bounced and they were attempting to collect the {$1500.00} that bounced. I never gamble, I never go to the Casino, and since this is XX/XX/XXXX, I never write checks. I asked for evidence and hung up the phone. 

I get a letter in the mail from XXXX XXXX XXXX  XXXX XXXX saying I wrote the check XX/XX/XXXX (  I was at work that day ), check XXXX ( my checks don't even have that number sequence on them ). The letter has 3 different addresses on them, a Corporate Office in XXXX XXXX   with a zip code of XXXX, a processing center in the same city but zip code XXXX, and an address in XXXX ( XXXXXXXX XXXX XXXX, XXXX ). When I look at their website ( XXXX ), it's asking for my bank account information, social security number, address, phone number, etc. 

I look up this company on XXXX and everyone is reporting this company who tries to collect on bogus debts is a scam.
Product: Credit reporting or other personal consumer reports

Old residents and other incorrect information were disputed but never removed when advised from the party that negative items were being removed nor were it was letter sent stating the outcome
Product: Credit reporting

We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record.
Product: Debt collection

Credence Resource Manage ran my credit and it drop I don't owe them or anyone thing from them to run my credit my score drop because of it. It shows inquiry no company or debit I owe on it. Haven't apply for anything or use my social or anything for anything.
Product: Credit card or prepaid card

I was notified in mid-XX/XX/2020 that I was going to be laid off from my company due to COVID-19. As a result of the personal issues caused by the layoff notification, I missed a minimum payment of roughly {$35.00} to Chase on my credit card and it was reported on my credit report as 30 days late ( the only negative item on my credit report from Chase Bank ). Please note, I did attempt to log in once at the beginning of XXXX to see if I had any balance, but I received a system error multiple times when attempting to log in. I did not receive a notice of any overdue payment via mail or via email from Chase, so I did not believe I had any amount due. 

At the beginning of XX/XX/2020, I received a credit monitoring notice that I had a 30 day late payment reported on my credit report. At this time, I was able to log in to the Chase website and found the account with a small amount due. I paid the entire credit card amount due at that time. I called Chase to attempt to work with them on this missed payment ( that was a result of COVID-19 hardship ), including paying off the balance of the card entirely and setting up an auto-payment going forward. They were unwilling to remove the negative report on my credit report or defer the amount due in spite of the COVID-19 hardship.
Product: Payday loan

I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered XXXX Charge of account records from XXXX However, I firmly believe that this CHARGE OFF entry is incorrect and should not be associated with my credit history. 

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. 

Acct XXXX : XXXX  Acct # XXXX Acct XXXX : XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX ( XXXX XXXX XXXXe I ) original creditor XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Fradulent items on my credit report. 

XXXX XXXX XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Phone number ( XXXX ) XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXAccount number XXXX -Date opened XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX Address XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX
Product: Consumer Loan

I do not even have an account with Ally Financial, however the constantly called my cell phone looking for someone by a different name whom I do not know. After being told numerous times they have the wrong number they continued to call and harass me at all times of day. Even told me I was lying to them. Sometimes I would receive XXXX calls from them at the same time. I attempted to contact corporate offices and was told I would receive a call from someone in a couple days approx XXXX month later, I received a call from a blocked number being allied at XXXX in the morning which is illegal, stating they had no record of any calls made to me. Of course this is after I threatened to file a report. They refuse to provide any contact to the legal department and although I have cell phone records of all calls they have deleted all records on their side in a coverup attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint yesterday - XXXX The company responded that they believed I was working with a credit repair company, as the normal consumer would not be smart enough to realize that they violated the law. It is irreverent whether Im disputing a file or Ive hired someone to do that for me. The law is the law. I submitted a dispute to this bureau and they had 30 days to investigate it. They had an additional 5 days to advise me of their findings. None of that was done, therefore they must delete the accounts that was issued in the dispute. 

I guess Im not the normal stupid consumer. Im aware of the law and I insist in receiving the answers Im entitled to. Im considering taking further action to get this resolved..
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have bankruptcies reported received letters from XXXX XXXX that bankruptcy info was removed from my report with XXXX XXXX  and advised to contact credit bureau for removal letter submitted