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

TransUnion is showing a hard Inquires that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/XXXX On XX/XX/XXXX, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date : XX/XX/XXXX On XX/XX/XXXX, I called XXXX XXXX to apply for a SECURED credit card. I spoken with a XXXX XXXX representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. Around XX/XX/XXXX, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO XXXX  XXXX HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THIS INQUIRY FROM XX/XX/XXXX TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Name : TXXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Product: Credit reporting or other personal consumer reports

I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

Discover Bank, the account has been closed since XX/XX/XXXX, payments were incorrect from late XXXX  until XXXX, they reopened my account without my consent, updating the payments which were not showing correct days late. Was 3 consecutive 90 days late, in a row. Remarked the account, and kept it opened impacting my score even worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fradulent line of credit was opened under my name for " XXXX " on XX/XX/XXXX. In XXXX, {$130.00} was placed on this line of credit. 

I also received a notice of fradulent credit inquiry from " XXXX '' on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. XXXX, net credit, affirmative action, and a closer XXXX XXXX XXXX  are the accounts that are in question.
Product: Credit reporting or other personal consumer reports

I was reviewing my report and noticed XXXX XXXX XXXX XXXXXXXX as a collection on my account. They have the date the account was opened listed incorrectly. They do not list any of the original payments made to the account and the balance on the account is listed inaccurately. I called and tried to get this inaccuracy resolved, but they are refusing to update it. When a debt goes to collections, a new collection account is opened, but the date reported on your credit report SHOULD reflect the date of the ORIGINAL DELINQUINCY ( the first missed payment ), not the date the collection agency purchased the debt. Because of this inaccuracy, in the amount and the listed information, I have been denied the ability to start a lease for a place to live and have become homeless and lost my car. I am having to sleep on different people 's couches. The company has even stated in a telephone call that they don't actually own the debt, the school does, they just try to collect on the school 's behalf.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 

I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe that the late payments were a result of an issue with the account being transferred and miscommunication between lenders, which should not have resulted in a delinquency being recorded. Also, I had provided documentation to resolve the transfer issues with XXXX prior to the reporting of these payments. 

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Violation of 15 USC 1692 Validation of a debt ( a ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( c ) *Stop reporting my information to XXXX , XXXX , XXXX whom are 3rd parties. 

15 USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title.

( b ) Opt out *Stop/Dont ever again report any information to a credit bureau/3rd party *The securities interest in my contract says the truck was already paid for? Im requesting a G.A.A.P. Audit of the funds loaned to me under this contract. 

Who is the original creditor? 

Respond to my full affidavit that has been sent 2x to Credit Acceptance
Product: Credit reporting or other personal consumer reports

Experian is reporting direct loan accounts inaccurately on my credit report with missed payments. I have never missed apayment and these accounts are reporting incorrect balances and information that is affecting me from moving forward with purchasing a home. MY RIGHTS ARE BEING VIOLATED. On top of this the account is reporting inaccurately with a bunch of errors the account can not be mine and needs to be removed from my credit report.
Product: Checking or savings account

XXXX Our bank took funds that they never tried to investigate. 
Union Bank XXXX XXXX XXXX XXXX, California XXXX They didnt provide proof of names, photos, times, or people that they attempted to contact. I asked for all of this information and they provided nothing. I filed a police report, XXXX complaint, FDIC complaint and now CFPB complaint Ive tried my best to work with the company, and I got nothing in return. I asked for proof, and I received a letter stating, the payment cards are ( NEARLY ), impossible For a criminal to counterfeit ***** NOT DEFINITELY!!!!! 
Im in charge of my daughters bookkeeping, I was very ill for 3 months. I missed the debit taken from our account. Its her money, I had a card for emergencies. We put gas the night before we had to be at the XXXX XXXX in XXXX XXXX, Ca. It was an unfamiliar gas station. My daughter stated that criminals put something in the slot, so they can steal info. My ex spouse is XXXX and has XXXX XXXX XXXX. Theres no way possible that anyone of us, including our daughter, that would attempt to go to a mall in XXXX, Ca. Its a nasty, XXXX city. People are killed on a daily basis. I was 5-6 hours late to XXXX XXXX. My ex took the wrong bridge. He could never go to XXXX and find a mall, yet alone walk. Nor, could I. He worked in the XXXX XXXX XXXX XXXX, since our daughter was born, and he had us going in circles. I reported it, when I looked at her statement, later when I was a bit more clear minded. The account is in both our names, I do all of her book keeping. Im not letting the UnionBank get away with this petty nonsense. Im sick, though I will fight for my daughter until I am ashes. I know It is a small amount, its not their money. Its criminal act for them to not provide proof, and take her money! After she was subject to a XXXX criminal. Who committed fraud at a mall we know nothing about. UnionBank is an unscrupulous company. I advise everyone not to do business with this company. 
Its not about money. Its about integrity. UnionBank has none. I left my # with the manager to return my call. They didnt, and proceeded to hang up on me 7-8 xms. 1 with a huge gasp, as if annoyed. I filed a complaint. I have 6 - 7 complaint numbers filed with 6 - 7 different agencies. Closing our account after I am done with all of the agencies I can find to file with. Do not let any company believe that you as a consumer, are going to allow them to get away with unscrupulous business practices.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal reports.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
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 XXXXXXXX XXXX
Product: Mortgage

the bank is asking for one month mortgage payment for the right to renew my loan which is not expired. this is in addition to my regular monthly payment when I originally contacted them I asked for the new rate and a reason for the additional monthly payment, they sent it to me after the date that was required to get the new rate, they are saying that they can change my original interest only loan to a principle and interest loan but if I pay an extra month mortgage payment then I can stay at an interest only loan. however this is not anywhere in my mortgage contract. I feel this is a violation of the truth in lending act. the banks position on this is they can charge it even if it was not part of my contract. I disagree you cant change a contract just because you feel you can I feel I am being discriminated against and that the bank has violated the truth in lending act. when I spoke to an alleged person who works for the president his position was take it or leave it.I believe we have had enough bullying by banks and that we can do anything we want to you attitude. 
nowhere in my contract does it say that I would have to pay an extra month payment for the right to maintain what I have .I am not objecting to the rate increase, just the extra payment, and now it is past the time when I am eligible for maintaining. 
If your agency does not have jurisdiction over the truth in lending act please let me know who does
Product: Credit reporting or other personal consumer reports

I have inquires hardened soft on may XXXXXXXX XXXX XXXX. my information was breached and I have those inquires coming from XXXX XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them
Product: Debt collection

There is a false record on my credit report from ENHANCED RECOVERY CORP stating that I owe XXXX DOLLAR to XXXX. I have never received any letter neither from XXXX nor ENHANCED RECOVERY CORP that I owe them money. In fact, my account with XXXX is current and I have always paid my bills on time. Additionally, XXXX has also verified that I do not owe them any money. Surprisingly, this false record on my credit report indicates that since XX/XX/2016, I have an open account with ENHANCED RECOVERY CORP.
Product: Debt collection

Have filed a FTC report regarding accounts that were open without my knowledge : from Bank of America I have sent notices to the company and they refuse to block the unauthorized accounts. The company even sent me a letter with another relative name on it clear Identity theft.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. XXXX, EQUIFAX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX XXXXXXXX XXXX XXXX  inquiries on XXXX 1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX  XXXX  {$300.00} collections 1 ) XXXX  XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX  XXXX/ XXXX  {$700.00} inquiries XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not agree with the absence of requested updated information. I was reviewing my report and spotted several inaccuracies regarding personal information that do not reflect my person.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Debt collection

Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''
Product: Debt collection

They are calling my parents leaving messages that they will put a warrant out for my arrest and leaving voicemails on my phone that they will be sending someone to my house. I 've never received any papers from these people. They call from different number to my parents phone. One is XXXX and he left the name XXXX XXXX and the other is XXXX XXXX and her number is XXXX. XXXX XXXX asked me how do I pay my bills without a job and I said through the grace XXXX and she started insulting me and my religion.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as this inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously a complaint had been submitted for the reporting of incorrect information. XXXX removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was XXXX, XXXX, or XXXX days past due if they can't show a date of last activity? Also XXXX XXXX and XXXX have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report back in XX/XX/XXXX and noticed an account on my XXXX and Experian credit reports that I did not consent to, authorize nor benefit from the account, The account is with XXXX XXXX XXXX. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. Therefore they are reporting invalidated and inaccurate information on my credit report.
Product: Credit card or prepaid card

This is to re-open a previously submitted claim through CFPB regarding a dispute between myself and Citibank. The reason I am forced to file a new claim is because CFPB has marked the case ( XXXX ) closed without allowing me to respond or rebut Citibank 's response. 

In that claim, I stated a payment was made on XX/XX/XXXX in the amount of {$990.00}, which was the only payment I was referring to in my last CFPB complaint ( dispute with Citibank ). I was assured my account number was accurate and was legitimately able to make relevant payments. I first went on this assumption. I then waited 4 days to check with Citibank to make sure the payment went through properly, as I 've become aware ACH payments will not be approved/transferred in one or two days. 

OnXX/XX/XXXX, I contacted Citibank via their chat service available on their main website through my account. As I mentioned in my last submission, the main reason for opening that particular chat session was to check on that specific payment I submitted on XX/XX/XXXX. That was also the main reason for my submitting my last complaint about Citibank through CFPB, and Citibank conveniently ignored that aspect in their response ( which I will attach to this complaint when prompted to upload additional documents ). 

I was told very clearly that Citibank had received my payment, had accepted the payment, and that Citibank has been paid by me ( XXXX XXXX ). I will also attach that online chat session ( again ) with XXXX, the agent or representative assisting me in that particular chat session. 

I am again demanding the said amount I was assured had been paid to Citibank onXX/XX/XXXX per the said chat session with a Citibank agent or representative be honored as a payment, or for Citibank to admit they lied to me with such assurance.