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

I opened an auto loan on XX/XX/XXXX with XXXX bank for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, XXXX, and Experian. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and Experian FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
Product: Consumer Loan

I took a loan out with this company on XXXX XXXX, 2016. The payments were automatically withdrawn from my account every week. It was scheduled to continue for 20 weeks to have it paid off. I made XXXX payments on time and then had an issue with my bank and was working on changing my account number. I revoked the ACH payment and was told that was changed. I continued to receive late notices and charges along with returned payment fees even though they were not trying to put the payment thru. I sent them notice on XXXX XXXX by email and XXXX mail to let them know that I would not be paying them all of these fees and to stop all communication by phone. They continue to call and send me notice of returned fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX showing accounts unknown when they are paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been lied to by XXXX XXXX XXXX XXXX. Here is what happen to me. I set up a payment plan with XXXX XXXX XXXX XXXX. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Product: Debt collection

A debt collector called my boyfriend telling him to have me call them. 

The contact information given was XXXX XXXX at XXXX ext. # XXXX. I was instructed to call by XXXX.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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  Filed Date : XX/XX/XXXX Reference Number : 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
Product: Debt collection

This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or gave permission for this to be reported.
Product: Credit reporting or other personal consumer reports

I am seriously stunned to see that inaccurate accounts are showing up on my credit report tonight. I check my credit report regularly, and this just came out of nowhere. I even tried refreshing my browser thinking it was a glitch, but no, the incorrect accounts are still there. This is beyond frustrating. I need the documents Ive submitted to be double-checked so that I can stop stressing about this issue in the future.
Product: Payday loan, title loan, personal loan, or advance loan

On Tuesday XX/XX/ I spoke with XXXX XXXX an associate at US Bank who states that my loan was past due to my surprise when I was on auto draft but they erroneously charged off my loan due to ach issues on bank account linked due to fraud. I explained this to XXXX and he said to send {$1500.00} cashiers check and it would be be charged off so I did and have proof of check sent and delivered and XXXX XXXX confirming he saw delivery receipt but charging off loan anyway despite me paying off the whole loan all together. 

They deceived me and frauded me. Im requesting my credit report be updated to remove the charge off, loan paid in full, on time payments and requesting a check from them for XXXX since I had to oat off the entire loan excluding that since they never acknowledged that check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request my credit reports from the 3 known agencies XXXX, XXXX and TransUnion. I Have prior credit reports dating back from XXXX, most recent is XXXX from XXXX, XXXX from Transunion, I received a response that TransUnion needs {$8.00} payment and that I need to provide them additional information to prove my Identity is a fake credit reporting system. I have resided at the same address since XXXX, and in addition to that I am a United States citizen since birth, as of the recent shutdown who should have to provide any information when you can not trust the government to make sure that our country doesnot fall.
Product: Debt collection

They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the following inquiry accounts removed from my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I'm sending you this letter to let you know about some errors in my credit report. I'm afraid these mistakes are doing a lot of damage to my credit report. To help you understand, we've provided the details of the incorrect entries below : Inquiries : XXXX OF XXXX XXXX : An unauthorized inquiry on the credit report. Fix or delete inaccurate inquiry. 

XXXX XXXX  inquiry : Inaccurate inquiry on the credit report. Looking for a deletion correction. 

XXXX XXXX inquiry : Inaccurate Inquire on the credit report. Resolve it or delete this inquiry. 

XXXX OF XXXX XXXX : The report has a credit inquiry that do not authorize. Delete the inaccurate inquiry. 

XXXX XXXX XXXX inquiry : Inaccurate credit inquiry is problematic on the credit report. Delete the issue presented. XXXX XXXX inquiry : Inaccurate unauthorized inquiry on the credit report. I need this deleted ASAP. 

XXXX OF XXXX XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX  XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXXXXXX XXXX XXXXXXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX XXXX  XXXX XXXX inquiry : Writing to dispute the inquiry as I did not provide permission. Look at this closely and purge it from my report. 

Mission XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX XXXX  XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX XXXX  XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. Inaccurate credit inquiry on credit report. 
XXXX states I can get an investigation. Im asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 


XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

I have the right to object to and request that false information in my credit report be corrected in accordance with Sections 609 and 611 of the Fair Credit Reporting Act. I humbly ask that you inform me of any delays and provide a reasonable timeline for when I might anticipate a response if a resolution to this situation can not be achieved within the timeframe specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have 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 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.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

these 3 items do not belong to me XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX  XXXX  Account number XXXX i have attached an id theft report and a copy of my police report
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX - XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank offered us a bonus of {$400.00} for opening checking and savings accounts and keeping a combined total of {$15000.00} in them for 60 days. The bonus was supposed to be paid within 90 days of our fulfilling the terms of the offer. 

We opened both accounts on XX/XX/18 ; therefore, we fulfilled the terms of the offer on XX/XX/18. The bonus, then, was supposed to be paid into our account by XX/XX/18. As of today, it hasn't been. 

We have notified the bank repeatedly that we have not been credited the bonus, including a letter to the Executive Response Unit. We have not heard anything from Citibank to this point, and the bonus still hasn't been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I made a purchase with a Chase credit card. They offered and I accepted an interest-free 18 month extended payment My Chase XXXX. After XXXX payments they told me I had paid off the plan, despite the fact that I still have a significant balance on this purchase. 

I asked why this happened and they said it was because I received a credit of more than the balance and it was applied to my loan, thus paying it off. This credit was for a purchase that was canceled within minutes of the charge, and clearly should have been applied to that purchase. However buried within the terms of the loan are terms that say credits are first applied to the loan. 

I feel this is deceptive, as the net effect, and XXXX sure it is not lost on Chase, is that it effectively pushes the loan terms from low or no interest to the maximum credit card rate if the purchaser does not have the cash on hand to pay off the loan balance. This is particularly insidious as most are unlikely to remember for 18 months that they cant have any credits applied to the card account. Furthermore it negates any budgeting that one might have done while taking that payment plan into account. 

This sort of hidden up charging of interest rates should be banned. And if not banned the consumer should be given the choice of how a credit is applied to their account.
Product: Credit reporting or other personal consumer reports

I had this same issue in XX/XX/year>. I was a victim of identity theft and fraud and was unable to retrieve my credit report from my XXXX XXXX XXXX, XXXX and XXXX. 
After successfully retrieving my reports two weeks ago, I attempted to do so again this week. However, I was met with the message, 'I had to call. ' I called the annual credit report and was given the XXXX of calls again, highlighting the need for a permanent solution to this issue.

This is putting me in a difficult position again as a company is helping me with something, and I need my most current report to get the assistance. I am a victim and this should not always be so hard. These companies make billions a year off of our data the least they can do is let us access it. I had no issues with Transunion.
Product: Vehicle loan or lease

I was pre-approved by a XXXX XXXX XXXX in XXXX, Delaware. I needed to replace a totaled car due to an accident. I was pre-approved through Ally Finance the last week of XX/XX/XXXX. I went to XXXX on XX/XX/XXXX. I was told to go into XXXX to sign my documents. My pre-approval loan included gap insurance. XXXX ran their own credit reports. I told them they did not have approval to run my credit again. The issue was resolved and I left with a XXXX XXXX XXXX. On XX/XX/XXXX, 16 months later, I was in a XXXX  accident. The car was totaled. XXXX XXXX at XXXX ext XXXX confirmed my loan had XXXX  insurance but could not give me the information. XXXX loan papers does not have it included. So I'm requesting the actual recording to be researched. I know 100 %, I requested XXXX  insurance because of the loss in XXXX. I need the remaining balance to be paid off. I don't know why it's not notated but the finance amount is exactly what the representative quoted me with the XXXX  insurance. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- U S DEPT OF ED/XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDUCATIO # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX # XXXX  -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX  # XXXX -- XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

XXXX It has been 75 days since original request was filed to restore credit standing that plunged XXXX points over a period of 3 months. XXXX, Equifax or XXXX have NOT corrected the error within that mandated time frame of 30 - 45 days. Please sanction all three bureaus until score is corrected to it's excellent standing of 878. Per Fair Credit Reporting ActXXXX XXXXXXXX has locked me out of accessing my credit report on it's online portal. The portal only loops and never allows access to view or manage credit profile. My phone number is flagged in it's telephone truncated lines ; online and telephone access only loops when accessed. This is ongoing since XXXX with formal request to correct credit score ; submitted with clear evidence of correct credit standing. 

XXXX erroneously caused my credit score to drop XXXX points. Score has also suffered and dropped erroneously with XXXX XXXX and Equifax after filing suit on XXXX XXXX XXXXXXXX. ( Copy already on file with all 3 Bureaus ). I have attached copy here for your convenience. 

I requested correction of false negative reports and provided detailed data proving XXXX XXXX XXXXXXXX negative report was false. My credit score before XX/XX/year> was XXXX. Only one year of on time payments have been reported to all 3 bureaus during that one year time frame. After XXXX  XXXX XXXX 's false report was removed score fell XXXX points then another XXXX points finally XXXX points. Credit score plunged XXXX points in total in XXXX months. 

There is no logical reason FICO score should drop XXXX points after removal of derogatory and false information. FICO score certainly should not have plunged, again, after correction and removal of false report from XXXX  XXXX XXXX. Logic and sound reasoning tell us score should have increased not decrease XXXX points. 

Correct my credit standing to it's proper class of XXXX FICO score without continued delay. Enforce this regulation with and all credit bureaus mentioned here operating in tandem with XXXX  XXXX XXXX. 

The FCRA, The Federal Banking Regulations and Credit Bureau regulators CFPB all state that if there is no response after 30 days consumer shall be made whole. 

Finally, sanction XXXX, Equifax and XXXX for not correcting this error within the 30 day time frame provided by Federal Bank Regulations, Fair Credit Reporting Act and CFPB. 

This was reported and solid evidence provided to all three bureaus in XX/XX/year> and again in XX/XX/year>. 

Enforce correction of all three bureaus to place credit score back to it's stellar standing of XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX