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

XXXX, XXXX, and Equifax have each violated the FCRA section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] by failing to remove unauthorized and impermissible credit inquiries from my Consumer Credit Report. I did not give written permission nor consent to report the following credit inquiries ; XXXX XXXX, Equifax Mortgage Service, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. As a consumer these unauthorized and impermissible Inquiries MUST BE DELETED IMMEDIATELY Or I will seek monetary damages in small claims court in my city and state. impermissible credit report access is a breach of your privacy because A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. The FCRA section XXXX Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Clearly states ; ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Debt collection

I am a victim of identity theft. This is not my debt. I have a police report as well as filed a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, and XXXX is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate late payment reported on my credit report for the following account. I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using XXXX XXXX XXXX XXXX and XXXX, and I request your assistance in ensuring this error is corrected. Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX. I am bringing this complaint to your company as a living man. You are reporting an account with an abbreviated name XXXX XXXX which is incomplete. XXXX is reporting a date last active of XX/XX/22, Transunion XX/XX/22, and XXXX XX/XX/22. I was never late on this account. Update the payment history to ok for all months or delete this account due to inaccuracy.
Product: Credit card or prepaid card

On XX/XX/2021 we began a dispute with our Fifth Third Mastercard. The dispute was regarding a charge for lodging that was unsafe. We were asking to be refunded the nights that we could not stay at the unsafe cabin. Fifth Third 's dispute team had to handle the dispute as opposed to Mastercard. We were notified on XX/XX/2021 that Fifth Third sided in favor of XXXX XXXX. We asked that the case be reopened and our responses to XXXX XXXX  report be considered. However, we are very concerned that Fifth Third never reviewed our responses as we got no communication from them concerning the new information. The case was reopened and, in essence, immediately closed. We never got a phone call or a letter regarding the closing of the case. We feel that Fifth Third disregarded our facts and responses. When I call the dispute department to clarify why it was closed so quickly after reopening, the associates seem irritated and impatient with me. 
We were charged {$3100.00} by XXXX XXXX and are asking a refund for the nights we did not stay which would be {$2000.00}. 
See attached documents sent to Fifth Third upon reopening of case request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC Identity theft report and I got it notarized and I certified mailed it the Transunion on XX/XX/2021, along with a copy of my Drivers License, Social security card, utility bill and a statement from me that the information is not information relating to any transaction by me.. The USPS said Transunion received it on XX/XX/2021. I called to day to check on the status of the fraudulent accounts, names, addresses and inquiries being blocked. I was told by supervisor XXXX that everything was put in disputes and would take 30 days from XX/XX/2021. So it won't be complete until XXXX XXXX. I asked how it this possible when the 15 USC 1681c-2 states ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card

I opened my credit card on XX/XX/XXXX, on that day they charged me a yearly fee of {$39.00}. I made my first payment on XX/XX/XXXX however they somehow had my moms bank information previously on file and I believed it was mine because we use the same bank. My mom returned the payment on XX/XX/XXXX and I corrected it to credit from my account on XX/XX/XXXX. They were able to successfully pull my payment on the XXXX. Then on XX/XX/XXXX they attempted to pull a payment for XXXX however I used the app to cancel this prior to the first. Although I was opted into overdraft protection through my bank. My bank did not authorize this payment to go through and returned the payment. Then on the XXXX I had a payment set for XXXX . And my bank once again returned the payment. I went in and spoke to my bank and asked them for a letter to send to capital one that stated I was opted into overdraft protection and they refused to make the payment on my behalf. Because of this I was charged a late fee on my credit card. I paid the entire card balance on the XXXX and this did go through since I spoke to my bank. However on the XXXX capital one decided to close my account. I spoke to them and they said it was because of the returned payments which I had told them it was the fault of my bank XXXX XXXX XXXX XXXX. They continued to tell me that they cant do anything for me and that I had to wait until XX/XX/XXXX to appeal their decision. I have since been refunded XXXX XXXX $ fees for the mistake of the bank and they have described it as an error on my statement as I was opted into overdraft privilege on XX/XX/XXXX.
Product: Debt collection

okay this company bought an old account from XXXX XXXX XXXX XXXX on a car that I had 3 years ago. the car was picked up by XXXX because the was no longer running but I continued to make payments on it until XXXX of XXXX? the name of the company that's calling is Jefferson capital .I have not received any document from XXXX telling me what the car was sold for nor was I ever given a notice to bid on the car at an auction.to this date I have no documents or paper work from XXXX XXXX and the balance that Jefferson is asking for is over {$5.00} not even close because this car did not run.. it sat in front of my place for almost a year so please ask them to stop calling me..
Product: Debt collection

Wrote a letter to American Express explaining I was victim of identity theft, fraud and being scammed. The executive office reached out to me and told me not to worry they would investigate the mater and get it resolved for me. Today I discovered they sent all my accounts to XXXX XXXX for a debt collection. I informed XXXX XXXX to cease and desist contacting me or family or friends. Send all correspondence by mail. Additionally, there was fraud on my American Express accounts and I am gathering a police report to file. American Express failed to resolve the fraud and instead sent it to collection and shut my cards off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regular inquiries were recorded in my TransUnion credit report from the following financial institutions : 1 ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX XXXX- date reported 1XX/XX/2022 A fraudulent use of my personal information was used to obtain credit from the above- mentioned bank. I filed a dispute with Transunion file # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS MY AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, submitted a dispute of information, obtained from accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, to TRANSUNION and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to TRANSUNION for the details of the investigation that they did to verify this account. This is my second request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and I requested a description of the procedures used to determine the accuracy and completeness of the information reporting. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to TRANSUNION 's blatant disregard for federal law. It is my belief that TRANSUNION feels comfortable committing blatant violations of the FCRA because they know the CFPB will not enforce the laws set forth by congress as shown time and time again. TRANSUNION has caused me stress, anxiety, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Pursuant to 15 U.S.C. 1681a ( e ), " The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. However, such information shall NOT include specific FACTUAL INFOTMATION on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Since this statement let 's me know that their " investigation '' is not valid, this information must be excluded from my consumer report. I preferred to receive their response through the CFPB portaXXXX because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) also states that the consumer report should NOT include a report containing information soley as to transactions or experiences between the consumer and the person making the report.
Product: Credit card or prepaid card

I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX.  We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.
Product: Credit reporting

According to section 6.11, I have been gravely affected and my credit score is suffering badly. I am requesting that all the credit inquiries be removed.
Product: Debt collection

CCS Collection company has reported a debt of XXXX to my credit report for and unpaid amount of from and insurance company called XXXX XXXX. I never have been insured with XXXX XXXX neither do I own a vehicle that was insured through XXXX a XXXX XXXX XXXX. I am highly upset after speaking to many representatives through this company and not being able to help resolve this issue. I have explained to this agency that this debt does not belong to me only for them to say, the person whom owes the debt will need the debt to be paid before it can be removed. I am filing a complaint for this matter of false information being reported on my credit without any of my knowledge.
Product: Debt collection

I am not liable for this debt with XXXX XXXX I do not have a contract with Frontline asset strategies as they did not provide me with the ORIGINAL contract as requested,!
Product: Debt collection

This account original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as collection. This account was paid in full to XXXX and the original creditor is continuing to report as an unpaid charge off to all 3 credit bureaus. Attached is proof of how its reporting and records that XXXX gave me written notice that I am no longer liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I was on Covid forbearance with a previous lender when my loan was sold. 

Original loan was with Rushmore Loan Services New loan is with XXXX XXXX XXXX As I was running my credit report I saw negative remarks from original servicer of the loan which was Rushmore Loan Services. 

From what I understand there should not be any negative remarks when a servicer sells a loan to another company and there is a 60 day grace period from a sale of the loan. This did not occur for me and now there is a negative remark on my credit report. As followed I sent information to my original servicer and they could not tell if they received my information via fax and was given a run around. I am fighting to keep my home but I had to sell due to some hard times that everyone is facing not just me and making sure my credit is intact for my family. I just want this negative remark to go away but do not know what to do next. 

Please help Thank You and God Bless
Product: Credit reporting or other personal consumer reports

This was added to my XXXX XXXX credit report. XXXX XXXX XXXX XX/XX/year> Amount {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items and late payment history on my credit report. I feel like I'm being ignored for my disputes. Also, there were inquiries that we're not authorized nor I'm not even aware of. It's been more that 60 days since I sent in those letters and I don't receive any notification nor results of any Investigation taking place.These are all deceptive practices by the bureaus.
Product: Credit card or prepaid card

I always use the interest-free option when making promotional purchases. When making smaller purchases, I use the card and pay the statement in full to avoid interest. When I attempt to pay non-promotional balances, Lowe 's applies the payment to promotional balances when I have chosen the option to apply payments to non-promotional balances first. Next, on XX/XX/XXXX, I made a payment of {$2300.00} for a promotional balance set to expire on XX/XX/XXXX. Instead, Lowe 's applied the amount for a promotional balance set to expire on XX/XX/XXXX. This is neither an accident nor a mistake, they are clearly attempting to defraud me by having me pay off a promotional purchase not set to expire for two years instead of one set to expire in six months. They are attempting to force me to pay interest for the promotional purchase set to expire within six months. If you investigate, I am sure you will discover that this is part of their standard operating procedures and they have defrauded millions of dollars from U.S. citizens with this unethical practice.
Product: Credit reporting or other personal consumer reports

Icontacted Santander USA to formally request the removal of all inaccurately reported 30-day late payments from my credit report, as these entries violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors are required to ensure that the information they furnish to credit reporting agencies is complete, accurate, and up-to-date.

Upon reviewing my credit reports from the major credit bureaus ( XXXX, XXXX, and XXXX ), I have identified inaccuracies in the reporting of late payments on my account [ insert account number ]. I believe these late payment reports are erroneous and may be the result of clerical errors or miscommunication.

According to Section 611 of the FCRA, I have the right to dispute any inaccurate information, and your company has an obligation to investigate and correct or delete any unverifiable information. I requested that Santander USA conduct a thorough review of the reported late payments and provide evidence supporting their accuracy. If no such evidence exists, I kindly asked that these late payments be removed from my credit report immediately. 
Additionally, I requested written confirmation of the resolution of this matter, along with updated account information reflecting the removal of the inaccuracies.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ******* 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud. Our offer is over market value!!! What PHH is doing is illegal. Bank fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 


XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/16 Balance {$1000.00}