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

In according with The Fair Credit Reporting Act XXXX  Account # s Below has violated my rights. 

15 U.S.C 1581 Section 602 A States I have the right to privacy.

15 U.S.C 1581 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

EQUIFAX HARD INQUIRES XXXX XXXX  Banking XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX  XXXX XXXX Department And Mail XXXX XX/XX/XXXX COLLECTION XXXX XXXX  XXXX XXXX XX/XX/XXXX {$30.00} CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX HARD INQUIRES XXXX XXXX  XXXX Banking XX/XX/XXXX CREDITOR NAME ADDRESS PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, MI XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX {$18000.00} Closed XXXX  Reported : XX/XX/XXXX {$3500.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed HARD INQUIRIES XXXX Banking XX/XX/XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

on or about XXXX XXXX 2015 my husband and I apply for a business commercial for the company in the name XXXX and this bank know that my husband already have an account with the bank. and that we have good credit on all of our account. .. the branch manage of the bank said went you and your husband apply for the commercial account. please contact bank and explain to card service about the inquiries that being use for personal and business account and in your house hold. that why we have so many inquires. I do not belief that some one who is already a good and loyally customer at the bank would be get denial just because of a score and a number and not look at the fact these is our loyally customer. is it because of our age. it can not be because our good credit. because you will not can not find any information to warrant a denial in my credit file. my fico is a XXXX, we want to stop use my credit for business. and build the business credit line. I think its unfair to being denial base on a score with out look at my husband account that already with this bank. if we are not approve. we can not get the tax credit at the end of the year. that why we apply for a business commercial account. so we could get the tax credit to writer off company expense and stop use personal credit for the business..
Product: Debt collection

Midland Credit Management tried suing me over a debt for {$9000.00}. This debt is being reported on XXXX, XXXX, and XXXX. The defendant tried seeking legal action and was therefore ordered by the Judge that the Plantiff ( XXXX XXXX ) owes nothing to Midland Credit Mangement Inc.
Product: Credit reporting or other personal consumer reports

i have been trying to get this removed they are stating its from a delinquent account in a time when i was not even living at that property when i moved i informed the company i would be moving and that electricity would need disconnected several months later i see this account show up me being charged for electricity i did not even use in my name so since it was not used by me i consider it fraud we did not use that amount and i made sure to pay in full before i moved out so its fraudulently charged to my account.
Product: Credit reporting or other personal consumer reports

Company opened a credit card without my authorization. It is illegal company to open a credit card in my name without my explicit permission.
Product: Credit reporting or other personal consumer reports

My federal students loans that are currently active and open with the Creditor ( Aidvantage ) are being deleted from my credit report ( Transition, XXXX, Equifax ) resulting in a score decrease. This first happened with XXXX ; after multiple phone call, I was able to get them to insert the loans back onto my report. Days later, the same thing occurred with XXXX. I was informed by my student loan provider that for some reason, the bureaus are removing the accounts since they are over XXXX XXXX XXXX. I am unsure how this is happening but it is affecting my scores negatively. I need to ensure the bureaus are accreting reporting my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024.

Experian XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history.

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document.

A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian and XXXX 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 and XXXX, 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 and XXXX 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 and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client of Honda financial since XX/XX/XXXX. During the month of XX/XX/XXXX, I was hospitalized and had to get emergency XXXX. When I got out of the hospital, I had to go to XXXX XXXX. Honda financial attempted to call me on an old phone number because they hadnt received my payment. On XX/XX/XXXX I contacted Honda financial and made the necessary payments to bring my account up to date. I informed them that the late payment was due to hospitalization. I explained to them that I have been a client of Honda financial since  XX/XX/XXXX and I have never made a late payment. I kindly asked if they could drop the 30 day lateness from my credit report, and if needed, I could provide documentation to support my claim. The representative told me that there was nothing they could do to drop the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. XXXX  is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus over 30 days ago, matter of fact it's been over 45 days since I have sent in my letters letting them know that there were inaccurate accounts on my credit profile that were not authorized. I was impacted by the XXXX data breach and I feel like my information got into the wrong hands. I sent in my dispute on XX/XX/2024, almost two months ago and still no response. I feel like I am being taken advantage of and that my issues are not being handled seriously. According to the FCRA any inaccuracies on a credit profile must be removed immediately. If this isn't resolved I will be forced to file litigation. Thanks for your help with this manner
Product: Mortgage

Back on XX/XX/XXXX both me and my wife had health issues that sent both to the hospital without health insurance the situation squeezed our saving and a CD with XXXX tha we had, we continuing strangling and by XX/XX/XXXX, we couldn't make no more payment on our mortgage, now we are trying to go back on track since I get a job and my wife is working in our company which it's doing better since XX/XX/XXXX, we don't want to lose our home, for that reason we would like to have the opportunity to re-start the payment and see if we could get any options with the mortgage company for it.
Product: Student loan

I've been having issues with Navient for years. They are very rude and condescending when they're talking to me. I had an issue once with it stated on my account that I had a past due amount but had been making auto-payments- they had the incorrect date on their end of the due date and when they were taking the payment, so they were calling them late- not my fault. 

Six months ago I called with issues with making payments. I had been unemployed and had to move across country for a job opportunity. They said there was nothing they could do- I also had complained that my payment was never the same every month and they lied and said it was. I had my account open in front of me showing different amounts taken from my account every month- again the agent lied. I told them to un-enroll me that I would make payments on my own. He assured me that it had occurred but the payment was still taken out of my account that moment. 

I forcibly through my bank stopped the payments from that point and did not make payments, as I could not afford them and the company was not willing to help me. Today, they called me and I again were so rude I asked to speak to the manager. The agent literally said to me " you have a job and the payment is {$180.00}, I don't understand '' When I explained that was too high for me he again said {$180.00} as if it was insignificant. The manager he finally transferred me to was just as rude but a bit calmer so I attempted to work something out with him. It's still not ideal but Idk what else to do. 

This company needs to be reported for the treatment of their customers.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the account : XXXX  XXXX. Account XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Checking or savings account

Deposit Amount : {$1100.00} Date of Deposit : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX digits of account # : XXXX XXXX Number : XXXXXXXX XXXX XXXX sent me the above information which shows me where and when they sent my deposit. 

Unfortunately that checking account had been closed by Central Bank several months ago due to it having a negative balance. 

Now Central Bank is saying they will keep the negative amount owed, which I am not sure what that amount is. I believe it to be around {$300.00}. Then they will send the remainder of the balance back to XXXX XXXX sometime this week, which is the week of XX/XX/XXXX. 

This account has been closed, so they should not be allowed to just keep the money without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to get a free credit report for me and my wife from Transunion. Not realizing that the proper channel was through XXXX, I signed onto the Transunion web-site. Their system is extremely deceptive in that they do not notify you that you are signing-up for a monthly subscription service at the rate of {$19.00} per month per individual. When I received emails confirming the subscription and the rate, I called Transunion to complain. The agent I spoke with indicated that they would cancel the subscription and issue a credit for both my wife and I. I was notified by email that the subscription would be cancelled effective XXXX/XXXX/XXXX but we have not received a credit to our XXXX account. Bottom line is that my wife and I were both deceptively charged {$19.00} for a subscription which we never wanted, spent many minutes on the phone trying to sort this out and in the end, they failed to issue credits as they said they would on the telephone.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX  XXXX  - XXXX - {$990.00} XXXX XXXX  XXXX - XXXX - {$8700.00} XXXX XXXX XXXX XXXX - XXXX - {$11000.00} XXXX - XXXX - {$1700.00} XXXX XXXX XXXX - XXXX - {$2600.00} XXXX XXXX XXXX XXXX - XXXX - {$6500.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
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. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i got in contact with trans union wrote a dispute DEMANDING Transunion to REMOVE 1 collection of : XXXX XXXX XXXX of my account that is being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX  and they REMOVED them instantly ..TRANSUNION has violated my rights constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT, Inquiry : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!
Product: Debt collection

XXXX XXXX  XXXX Left a voice message that it was urgent they speak to me. I called them on XX/XX/XXXX and they told me I had a debt of {$18.00} for a returned check payable to XXXX XXXX from XX/XX/XXXX. They gave ma their website info and a loginid and password. It showed an image of the supposedly returned check. It required payment of the {$18.00} " debt '' + a processing fee of {$16.00}. I called XXXX XXXX and they said they had no record that I owed them this amount or any amount, and also that they use a different company for debt collection. So this is a sham.
Product: Credit reporting or other personal consumer reports

To whom this may Concern, I am a Victim of XXXX where my information was Stolen And use these are not my account I need Help My Mind is all over the place can you Please help me This is Fraud all my Rights was taken from me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.