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

I opened a secured credit card account with XXXX XXXX and made my initial deposit of {$300.00} to secure the balance on my card. XXXX has closed my account. On my credit report is states that my last payment was XXXX XXXX, XXXX. Since then my account has been closed. I no longer continued to use the card. XXXX has continued to report that I have a balance on my account. I have spoken with representative several times about this account inquiring as to why before XXXX charged my account continued interested and then later over the limit fees was my deposit not applied to my account to balance as stated in the original agreement. They were notified to close to the account and use the secured to pay off my balance but instead they continued collection activities on this account and is now reporting that I still owe a balance and that the account is written off. How do I 1. Have a balance on a card that was secured with a deposit. 2. How are the credit bureaus still allowed my many attempts to have this account removed since they choose to not to update it appropriately because it is showing along with bad payment history as opposed to paying the balance which was below the {$300.00} at the time and then just closing my account. It closed the account showing that my credit utilization was at 152.00 %.
Product: Debt collection

Fraudulent account opened in my name in XXXX of XXXX. I have been disputing this since XXXX when I found out about the account. I have sent police report, Identity Theft Affidavit and multiple demand letters requesting proof of ownership. All have gone ignored. I sent a cease and desist on XX/XX/XXXX to stop the harassing phone calls, emails and mail being sent to me in an attempt to collect on this fraudulent account. This was received by them on XX/XX/XXXX, however, a statement was then mailed on XX/XX/XXXX and more phone calls. A direct violation of the Cease and desist. They have also violated my rights under FCRA by ignoring my request for proof of ownership of debt. I am beginning the paperwork to file a lawsuit against this company for harassment and violation of rights under the Fair Credit Reporting Act. They have also added this account back to my XXXX Credit report after it was removed dropping my credit score dramatically. Added additional fees and continued collection attempts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

On XXXX the XXXX, my ex-boyfriend requested a loan with XXXX for XXXX USD to purchase a laptop from XXXX for a total of {$2800.00}, which as of today makes a total of {$3100.00}. Back then I allowed him to use my information only to create his account, and he had more information because I had entrusted it to him before, but I never have my consent for my information to be used to borrow a loan. Besides that, I was younger and did not have much experience with anything credit-related. 
I kept receiving emails for overdue payments but I still thought they were just because he had used my email address to create his account. All of these emails I forwarded them back to him until I stopped receiving them. 
On XX/XX/2020, I received the first message from True Accord informing me that they were going to be collecting the debt I owed to XXXX  for a loan I never borrowed. The only loan I had borrowed before was my school loan. I disputed this on XXXX the XXXX. 
On XXXX the XXXX I figured out that the date and company the loan had been borrowed from matched with the time my ex-boyfriend asked for my information and bought his laptop. 
I have been trying to solve this out directly with him, but since he has already scammed a lot of people before, including me in other occasions, I am reaching out to you to solve this myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit file that were not authorized by me. I understant inquireis are placed on your credit report. However, that is only if you authorize as such. During the time these inquiries were placed, I had a credit alert on my file. The credit alert clearly indicates to contact me via phone, which the correct number is on file to verify my identity by showing proof of ID. Despite the failed attempt to verify myself from these companies, my credit was still pushed through without my consent, which caused a hard inquiry that affected my score. What was the purpose of having a credit alert if it would not be enforced? None of these inquiries are associated to any accounts that I have or have had.
Product: Credit reporting or other personal consumer reports

Certainly! Here 's how you might write a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your issue with TransUnion : -- - Subject : Complaint Regarding Unresolved Negative Items and Unexplained XXXX XXXX Drop with TransUnion Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an ongoing issue with TransUnion, XXXX of the major credit reporting agencies. Despite multiple attempts to resolve the matter directly with TransUnion, my concerns have not been adequately addressed, and I have experienced significant financial distress as a result. 

Details of the Issue : XXXX. Negative Items and Collections on My Credit Report : Over the course of several months, I have contacted TransUnion multiple times regarding negative items and collections that appear on my credit report. I have disputed these entries, but no action has been taken to resolve the issue or remove any inaccurate or outdated entries. 


XXXX. Unexpected XXXX in XXXX XXXX : My XXXX XXXX has dropped by more than XXXX points without any clear reason or explanation. I have been actively monitoring my credit, maintaining responsible financial habits, and have not been notified of any events that would justify such a drastic decrease in my score. 

Despite my repeated attempts to resolve this matter directly with TransUnion through phone calls, online disputes, and written correspondence, no meaningful action has been taken to address my concerns or rectify these errors. I have requested a thorough review of my credit report and an explanation for the unexpected score drop, but I have not received a satisfactory response
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private D.O.B. ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer 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 consist of a personal credit card accounts, Auto loan accounts and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

Negative inquires on credit thst does not look familiar
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX i requested for a loan for XXXX lady told me i can pay back in 3 payments of XXXX or but call back to let her know oncecthe money is deposit .the money was deposited on XX/XX/XXXX XXXX .i phone on XX/XX/XXXX and the amount was double she said that XXXX will be debt on XX/XX/XXXX, on XXXX and the last payments will be debt on XX/XX/XXXX i was totally shock because i was told i. Only have to pay back XXXX if i set up 3 instument.please help me name of business is Better Day loans XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them
Product: Vehicle loan or lease

Dear Sir/madam : I am paying for a vehicle I bought in XXXX from Honda Financial Services. This is a XXXX XXXX XXXX and at the time I purchased the vehicle the price was {$15000.00}. After my trade-In value for my XXXX XXXX the total financing was still {$23000.00} ( for a XXXX ). The monthly installments are {$490.00}, which I have been paying until I became XXXX in XX/XX/XXXX and was put on Social Security XXXX as my income. 
I wrote to Honda Financial Services and requested that they decrease the payments because of my position, and they have totally ignored me. Please help me to resolve this situation by reviewing my contract for inconsistences, because I believe that there are some type of price gauching where this company is concern. In addition, I am unable to make that high installment in my connent situation.
Product: Debt collection

Opened XX/XX/2020 ( {$1400.00} ) I reached out to both the credit bureau 's and the creditors.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to transunion to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX Ive sent in two rounds of disputes to TransUnion asking for the following accounts to be removed off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Ive asked for the original contracts which I haven't received and also for the above accounts to be removed because of illegal collection fees. Its been over 30 days and I have not received anything back regarding my last dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax, XXXX I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, XXXXand I noticed an unauthorized credit inquiry had been made. I made a dispute and got a instant decision the Inquire was mine, I called all XXXX bearus and let them know it wasn't mine.I uploaded a example from Equifax I did a dispute on XX/XX/XXXX after hours and got a automatic denial on XX/XX/XXXX 1 minute later. These practices needs to be changed within the bearus. And all XXXX bearus said " All Inquires are always true and accurate '' When I called. 

*I uploaded what Inquires needs to be removed I request that you remove the Inquires from my credit report. 

Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

This serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. While I acknowledge that errors can occur, it is important to rectify these inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. Please have this account updated for once : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX inquiries on my credit file that are not my own. Most of them were done within the last XXXX years. 

There are XXXX addresses on my credit file that are not mine. I sent them my correct address and driver license and a bill to verify this, and they still would not correct this.
Product: Credit reporting

I gave up my XXXX and became a XXXX of the XXXX XXXX, I am now in the process of becoming a XXXX XXXX now. I tried to get my credit report but I am unable to answers the questions that it say I have a mortgage, a credit card from XX/XX/XXXX, a new car that was purchased in XX/XX/XXXX in my name. The questions ask me for the monthly payments on the house mortgage, and car loan. I ca n't answer a question I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Student loan

I am a part of the fraudulent activity done by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for borrowers defense in XXXX of XXXX. I received full discharged Department of Education Subsidized and Unsubsidized loans. My loans were fully discharged as of XXXX XXXX. I am a full class member of the XXXX XXXX XXXXXXXX automatic class. I was not refunded the amounts. Nelnet stated that they had no ideal the amount of a refund I would get, it was up to the Department of Education. The Department of Education stated they did not know how much of a refund I would get it was up to my service provider. I have called both numerous times to get no where. I even reached out to the the ombudsman and yet to have the amounts of relief that are ordered.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Reference XXXX. Citibank denied credit based on an invalid derogatory on my credit bureau. They also used an incorrect score of XXXX instead of the other credit bureau scores of XXXX. They did not explain why they used the one score, XXXX, that is 100 points lower than XXXX XXXX and XXXX. I supplied copies of my scores from all three agencies but they did not respond to my questions about the discrepancy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Account info Account number # XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$14000.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
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 acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX VIOLATED MY PRIVACY ...... 

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

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

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-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: Checking or savings account

XXXX of XXXX a few transactions have taken place that I had no knowledge of and also had no access to my card. I was sent a new card 2 days after I made my dispute. First time they denied my claim I was told to provide them via email with a police report in which I did. I was denied 4 times and with the same reason they keep telling me which is the chip card was used. Again I did not have access to physical card as I repeatedly use my XXXX XXXX. When I asked to send me their findings and reasons for the denial they send me an almost unreadable scan that basically states it was denied because the chip card was used. With the police report and my statement and repeated attempts to have them reconsider their decision they remain telling me their decision stands and they refuse to give me further detailed reasons that make them believe that this {$2700.00} transaction was approved by me. I also have a friend who used to work for capital one call center and she states she left that job because they were robbing and depriving people of their money when it was such large amounts. I feel as though I have been robbed twice, once by this fraudulent person or group and now by my bank. Here it is XX/XX/XXXX and I have been fighting for my money since XX/XX/XXXX.
Product: Debt collection

I discovered a loan for jewelry was issued by Synchrony Bank in my name when they contacted me seeking payment. This loan was the result of identity theft. I filed a claim for fraud with the company directly, which they denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XX/XX/2023 from Global Lending stating they can't grant me approval for an autio loan & how they didn't pull my credit report. Something isn't right here because there is a freeze on all of my credit reports. How can they deny me when I never applied with their company or granted them approval to pull my credit report. There are many complaints on line about them doing the same thing to others. This company is taking consumers information & illegally processing it fully as if they applied for a car loan
Product: Student loan

I have numerous requested over and over same product to be either placed in deferment or fir with deferment as I am currently awaiting my ssdi and unemployment due to XXXX  disabilitys. As I am very ill rn I have documents of this if needed Im on stronger meds and more rehab structured life after my bills Im barely paying for gas to go to my Apptd and foods and other meds due to stolen mail at usps also
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Services, XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been well over of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 - Persons of Contact were XXXX & XXXX - No one can find an account or application with my information yet the XXXX continues to have a negative impact on my TransUnion Credit Report. I have called XXXX Case # XXXX, faxed XXXX & emailed this company at XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.