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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX Date opened XXXX  Balance {$0.00} ; XXXX XXXXXXXX XXXX Date opened XXXX  Balance {$420.00} ; XXXX  XXXX Date opened XX/XX/ Balance {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NAME : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian Failed Investigate & DELETE Inquiries After I Stated That I Did Not Authorize. ATTACHED ARE LETTER THAT WAS MAILED TO XXXX AND EXPERIAN
Product: Payday loan

XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane
Product: Credit reporting, credit repair services, or other personal consumer reports

I declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unauthorized Hard Inquiries on Client 's Credit Report - Request for Investigation and Removal Dear Consumer Financial Protection Bureau I am writing to bring to your attention a matter of utmost concern regarding unauthorized hard inquiries on my client 's credit report. On XX/XX/, my client, XXXX XXXX XXXX XXXX, received a confirmation letter from XXXX regarding the security freeze placed on her credit reports with XXXX, XXXX, TransUnion, and XXXX. This freeze was initiated in accordance with the provisions outlined in XXXX XXXX XXXX, specifically XXXX XXXX. XXXX XXXX through XXXX. 

Despite the security freeze in place, it has come to our attention that unauthorized hard inquiries have been made on my client 's credit report. These inquiries not only violate the established freeze but also pose a serious threat to the financial security and privacy of XXXX XXXX XXXX XXXX. The unauthorized access to her credit information raises concerns about potential identity theft or fraudulent activities. 

In light of these circumstances, I am formally requesting the Consumer Financial Protection Division to conduct a thorough investigation into the matter. The purpose of this investigation is to identify the entities responsible for the unauthorized hard inquiries, ascertain the motive behind such actions, and take appropriate measures to rectify the situation. 

Furthermore, I request that the Consumer Financial Protection Division facilitate the prompt removal of these unauthorized hard inquiries from XXXX  credit reports. It is crucial to restore the integrity of her credit history and protect her from any potential adverse effects on her financial standing. 

Enclosed with this letter, you will find copies of the confirmation letter from XXXX regarding the security freeze, along with evidence of the unauthorized hard inquiries on my client 's credit reports. These documents should assist in expediting the investigation process. 

I trust that the Consumer Financial Protection Division will handle this matter with the urgency and diligence it deserves, ensuring a swift resolution and preventing any further harm to my client 's financial well-being. I appreciate your prompt attention to this serious issue and look forward to the resolution of this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because XXXX, Transunion, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, Transunion, and XXXX regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

My father passed away in XX/XX/XXXX. He owned a house whose mortgage had been sold XXXX times in XXXX years. The final mortgage holder was Ocwen Loan Servicing , LLC . The mortgage was upside down, so we decided to let the house foreclose. Through our estate lawyer, we requested a deed in lieu of foreclosure in XX/XX/XXXX. Since then, I have recieved monthly bills and calls until XX/XX/XXXX when they finally sent the paperwork to do the deed in lieu. I signed it in the presence of my lawyer and witnesses. My lawyer XXXX it to Ocwen in the envelope they provided. During all that time, my sisters and I received at least XXXX letters and XXXX or more registered letters about paying the mortgage. There was not enough money in my father 's estate to do so. I told Ocwen that at least XXXX times on the phone and more times in letters from my lawyer. In XX/XX/XXXX, I got a letter requesting that I purchase hazard insurance for the property. My lawyer sent them a copy of the signed deed in lieu papers and reminded them that I do not own the property anymore. The property was vacated in XX/XX/XXXX and Ocwen did an inspection and changed the locks in XX/XX/XXXX. Today I received another notice about purchasing hazard insurance. 

No matter what we do, they keep trying to get me to do something with this property. Also, my lawyer has requested a final statement from them, so that I can close out the estate account and pay a few other bills that ca n't be paid until Ocwen gives me the final statement. They have ignored this request. How do I get this matter closed? I keep having to pick up registered letters and pay lawyer fees for letters to Ocwen, to no avail.
Product: Vehicle loan or lease

AMERICAN CREDIT ACCEPTANCE VIOLATED MY RIGHTS AS A CONSUMER. THE NON-DISCLOSURE AGREEMENT PLAYED DURING THE REPOSSESSION DEPT LINE DOES NOT INCLUDE FEES FOR THE AUCTION. EACH ACCOUNT HAS DIFFERENT FEES DUE TO HOW LONG THE VEHICLE HAS BEEN ON HOLD AT THE AUCTION. AFTER 1 MONTHS OF PHONE CALLS THE REPO FEES WAS MENTIONED BUT THE AUCTION FEES WAS NEVER MENTIONED. ACA INTENTIONALLY DOES NOT SPECIFY THAT IN HOPES YOU ARRIVE AT THE REPO PLACE WITHOUT THE FEE IN ORDER TO KEEP YOUR CAR. THE COMPANY REALLY WANTS TO KEEP AS MANY CARS AS POSSIBLE. THE SALE/AUCTION LETTER SENT OUT DOES NOT STATE A CHARGE PER DAY NOR FEE THAT WILL NEEDED INORDER TO RETRIEVE VEHICLE FROM AUCTION EITHER. ACA ALLOWED ME TO PAY ALL PAYMENTS ON MY ACCOUNT WITHOUT INFORMING ME THAT I WILL STILL HAVE AN OUTSTANDING FEE WITH THE AUCTION THEY HAVE PARTNERED WITH. AUCTION DOESNT BREAK DOWN WHAT THE FEES ARE FOR SO YOU JUST LOOK AT THE AMOUNT AND FEEL OBLIGATED TO PAY IT JUST TO GET BACK YOUR CAR. 

NOT ONLY WILL THIS MISSED INFORMATION SET ME BACK ANOTHER MONTH LATE ON MY CAR IT LEAVES ME TO FIND TRANSPORTATION TO THE FACILITY THEY USED AS THE AUCTION. THE FACILITY IS 3+ HOURS AWAY FROM WHERE THEY REPOSSED MY VEHICLE FROM. MY NEXT CAR PAYMENT IS ON XX/XX/XXXX AND IT IS NOW THE XX/XX/XXXX. LEAVING ME TO CHOOSE BETWEEN BEING LATE AND GETTING THE PAYMENT OR USING THE MONEY TO PAY THE FEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX, and DISCOVER PL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and DISCOVER PL with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 MAKER 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 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

*Disclaimer* I do not acknowledge ownership of this debt! I have been trying to get this removed for over 10 years with no success as this account was opened by someone else in my name. Due to the banks refusal, I was left with no other option but to let the debt age off of my credit report. The account in question is XXXX XXXX Account number XXXX which reported a balance of {$3200.00} and is reported as a charge-off. 
This company is continually RE-AGING this account and adding payments that do not occur. The last payment indicated is showing as taking place in XXXX of XXXX. This is absolutely impossible as I have no access or ability to make payments to this account. ( not mine ) I would like to request this account be deleted IMMEDIATELY as it has passed the 7 year mark from delinquency. XXXX was keeping this account active has not done so since XXXX so this account qualifies to be removed from my report. It is unfair for me to be penalized for over 10 years for something that was done nefariously. I have been patient in waiting for this account to age off and the practice of re-aging debt is illegal and immoral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2021 ; XXXX account shows XXXX balance ; Has been reported as delinquent to all XXXX credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!
Product: Money transfer, virtual currency, or money service

I can no longer access my account in crypto.com that has about {$90.00} in bitcoin. 
Crypto.com is not responding to complaint
Product: Credit reporting or other personal consumer reports

I previously reported that this account was opened fraudulently for some reason it appeared back on my credit profile please remove this account from my profile : XXXX XXXX - XXXX XXXX XXXX I recently viewed a copy of my credit report and saw that there was fraudulent accounts. Please remove these accounts as they are hurting me to obtain credit. XXXX XXXX - XXXX XXXX XXXXXXXX According to the Fair credit reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item for my credit report.
Product: Credit reporting or other personal consumer reports

I recently received my Social Security number and tried to update my information with my bank and all three credit bureaus. For some reason, my information was inaccurate on my report. There was a hard inquiry prior to me receiving my SSN. Also, I informed them that I never applied or inquired about any credit. If there is a hard inquiry, then that was performed without my acknowledgment, so I informed the banks about this. There was a discrepancy, which I went ahead and resolved. However, despite my efforts, it's been about three weeks. I've been calling them, submitted all the documents, and fixed all the information with all of the credit bureaus, but Experian still doesn't work. Each time I call them, they keep lying to me, saying that they never received the information or that they never got this or that. I've sent it four to five times already, and they refuse to do it. Because of this, most of the applications I'm trying to process are frozen with them. They're not even resolving the issue or giving me a resolution, not even a time or date for anything. Every time I call, they tell me to wait a week.
Product: Credit reporting or other personal consumer reports

This is my third 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 XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Mortgage is reporting late payments for XXXX incorrect scenarios : Sometimes XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and sometimes XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is different depending on which credit bureau or which month our credit is pulled ( in XXXX and prior months it was the second set of dates but it was " corrected '' to the first set of more inaccurate dates in XXXX. ) However, the correct dates that accurately reflect when we made late payments as a result of a rolling XXXX are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

We have sent payment statements highlighting when late fees were assessed, dates payments were made and even received a letter back from Loancare stating that XXXX was in fact paid on time and was current. Our XXXX disputes ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with Loancare were denied. They maintain that their data is accurate, despite there admission that XXXX was current. We then disputed with the XXXX credit bureaus. They have corrected the actual dates but the account status designation of 30 days past due remains on the incorrect months. This leads lenders to believe that our most recent late payment was XXXX or XX/XX/2023 when it was in fact XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am following up on my earlier complaint dated XX/XX/2023, where I identified inaccuracies in some of the information. Again, I am requesting that the three credit bureaus validate these accounts in my XXXX, XXXX, and TransUnion Credit Reports in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is imperative that they do not neglect to validate this reporting account, as unverified information should not be allowed without providing proof within the legally stipulated period. The account requires investigation for erroneous reporting in my file and is detailed on my credit reports : XXXX XXXX  XXXX Balance Owed : {$390.00}
Product: Credit card

Capital One has unfairly and unjustifiably restricted my XXXX XXXX XXXX XXXX XXXX. For months, I haven't been able to use the card for gas or any other purchases. Despite my complaints, the bank requested verification documents, which I submitted twice, yet they continue to limit my card 's usage. There have been no reports of fraud, no late payments, and no valid reason for this restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims I owe them {$4300.00}. They started sending me letters stating that I owe them money so I sent a letter asking them to verify the account with any documentation bearing my signature on XX/XX/XXXX. They could not provide my signature so they sent another bill. I responded with another letter on XX/XX/XXXX asking them to provide my signature or remove this from my credit reports. The information was still on my credit report so I sent a final letter on XX/XX/XXXX asking to remove this or I would take them to court for 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 

They called my parents home that I have not lived in over 10 years and discussed me " owing '' them money which clearly violates the Fair Credit Reporting Act. 

I do not want to go to court but I want this off of my credit report. This is costing me more money in interest payments and has kept me from getting much needed credit. I have been denied credit because of this information that they have yet to provide my signature. 

A lawsuit will be my next step.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX opened a credit card with Discover for herself. Discover without my permission used my social security number and added me to her account as an authorized user. I just found out after reviewing my credit report that I was added. 
My daughter did not want to add me or didnt even want me finding out about her new card she made without my knowledge. She doesnt even know my SS #. They used my information from a secure card I made for my daughter years ago. That account I closed a couple of months ago because I felt my daughter was abusing the card and I didnt want to be responsible for her card use anymore.
Product: Credit reporting or other personal consumer reports

I have an account that appears on my credit report after being paid off and closed.