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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX, EXTER FINANCE and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This account has been paid in full since XX/XX/year> XXXX has consistently reported to the credit bureaus every month as if I owe. XXXX never sent me a letter I was notified by student aid.gov I went in XXXX as websit in my XXXXr and thats when I saw the letter that I have attached on XX/XX/XXXX XXXX
Product: Debt collection

After my legal representatives have contacted my landlords company regarding further collection of previous charges, On XX/XX/2023, through email my previous landlord denied further discussion into the matter concerning the charges they claim I still owe and reported this debt to a debt collection agency. 

In summary, the debt collection agency " Hunter Warfield , Inc. '' attempted to collect a debt of {$750.00} in which I have communicated my intentions to dispute the charges. In response, the debt collection agency abruptly said they could not speak to me about the matter anymore then continued to file my debt to the credit bureaus. This debt collection is inappropriate and should not have been reported to the credit bureaus.
Product: Debt collection

Someone was able to use my Information for what looks like two separate events. someone used XXXX XXXXXXXX XXXX for a visit or two, in addition they opened up a XXXX  Account and failed to pay for either. therefore it is on my report and I have no previous history with either of these companies. 

XXXX  XXXX XXXX  Original creditor : XXXX {$250.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$330.00} {$330.00} Payment Info Original balance {$330.00} Balance {$330.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  # XXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX egregious failure to remove fraudulent accounts from my credit report. I am a victim of XXXX XXXX, identity theft, and the Equifax Data Breach, all of which have severely impacted my financial stability and creditworthiness. Despite multiple notifications and the submission of required documentation, Equifax has consistently failed to take appropriate action to correct these errors. 
Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax is legally required to block fraudulent information upon receiving notice of identity theft. Despite submitting my affidavit of identity theft, Equifax continues to report these fraudulent accounts, violating this section.

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the right to request and receive detailed verification of all accounts on my credit report. Equifax has failed to provide the required documentation to substantiate the accounts in question. Without proper verification, these accounts must be removed immediately.

FCRA Section 611 ( 15 U.S.C. 1681i ) : Equifax is obligated to conduct a thorough investigation into disputed items within 30 days. Equifax has not fulfilled this requirement, resulting in the continued reporting of fraudulent accounts.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Equifax is responsible for maintaining maximum possible accuracy in consumer reports. By allowing fraudulent and inaccurate accounts to persist on my report, Equifax has failed to uphold this standard.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Active Account - XXXX XXXX  Credit Card I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX Credit Card - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date of Alleged Late Payment : ( Experian XXXX, XX/XX/XXXX ) XXXX XX/XX/XXXX ) I am still an active account holder and have been making timely payments. The reported late payment is an error. I request that you remove the late payment from my credit report, as it is inaccurate and negatively affecting my credit score.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as inaccurate. I request that you : 1. Investigate and correct this error within 30 days.

2. Remove the late payment from my credit report.

3. Send me a revised credit report.

I have attached documentation supporting my claim, including : - Proof of timely payments - Account statement showing no late payments - Copy of credit report highlighting disputed information Please expedite this matter, as the error is affecting my credit score. 



Sincerely, XXXX XXXX.
Product: Debt or credit management

When had an auto loan with credit acceptance, our vehicle was total, after insurance paid and gap insurance paid I owe XXXX XXXX When I talk to credit acceptance we had an agreement to paid XXXX $ a month until its paid off because I had to get another auto loan. A month later I got a 30day late payment and when I called them they told me even though I paid XXXX $ a month I still owe the remaining balance making my credit go bad and not explaining to me how all this work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit reports and discovered a plethora of inaccuracies. I understand under the law, " if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information 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 consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' I sent dispute notifications to all companies and filed disputes online. These companies maintain their information is accurate even though it is not. In addition to reporting inaccurate information, the companies in question also re-aged the account. 
To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' To remain in compliance with the law, I request the immediate removal of accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRES ON REPORT THAT WAS NOT AUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid on time and in good standing
Product: Debt collection

the latest contact from CRM was by a unidentified male from XXXX and XXXX, a relative answered my phone and was told enough information to file a case has been gathered, I called the number back and informed the male who answered after recognizing the number from previous interaction, that I had been informed by original loan provider that the collection was given to XXXX in whom I currently have payment arrangements with and at no point was a CRM given the collection and no payments made to them had been posted to the original debt and that this was looked into after funds were removed from my account for pizza purchases in there area and court fees in XXXX Virginia, over 3 months ago. He then stated that they would be garnishing my wages and will contact XXXX county soon. I continued to inform him that the collection is now and always has been with XXXX XXXX XXXX and that I am currently paying the debt to them as I did over 3 months ago when my money came up missing. it is an XXXX XXXX pay day loan out of XXXX Texas {$1400.00}
Product: Credit card or prepaid card

In XX/XX/2019, I upgraded my existing AMEX Hilton card to their offering AMEX Hilton surpass card. They offered a bonus of XXXX bonus points on a spend of XXXX dollars. I made the spend and got the bonus in XX/XX/2019. Later in XX/XX/2019, i decided to downgrade my card to a non annual fee card. Later on XX/XX/XXXX, when I logged into my account, I was presented the offer to upgrade to surpass card again with the offer to earn XXXX bonus points after spending XXXX dollars. As i had a big spend coming up, I upgraded the card once again and made the spend. Amex now refuses to honor the bonus points as they claim they already gave to me in XXXX. They confirmed over chat by Mr. XXXX that I was actually offered the upgrade with the above offer but I am not eligible as per terms and conditions. Given AMEX already knew I had the card earlier in the year and I had already redeemed the offer once, why did they even present me to upgrade the card again with the same offer. They are misleading the customers in this case by offering something they know they won't honor. When i ask for a copy of online contract I signed during upgrade via chat, they refuse to give it to me.
Product: Student loan

I had student loans with XXXX in 2019, at some point the company changed to Mohela. My monthly payment changed from $ XXXX to $ XXXX. My payment changed in XXXX with no warning. I contacted the company and they told me there was nothing they could do about the payment amount and told me to find another lender to refinance with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with Bank of america and received approval for six month payment hold however Bank of America reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by Bank of america and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, Bank of america paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Product: Checking or savings account

On XXXX I was contacted by PNC loss prevention about possible fraudulent activity on my debit card. The card was cancelled at this time and I confirmed the transactions in question were in fact fraudulent. I was informed that PNC has a zero liability policy for their consumers so the fraudulently removed funds would be refunded to me. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI dated XXXX. I called and disputed these transactions. I received a " provisional refund '' for both transactions in the amounts of {$52.00} and {$65.00}. 
XXXX A fraudulent transaction posted from XXXX in XXXX, MI. I called on XXXX and disputed the transaction and received a " provisional refund '' in the amount of {$55.00}. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI. I called XXXX and disputed these transactions and received a " provisional refund '' in the amount of {$65.00} and {$100.00}. 
XXXX Three fraudulent transactions posted from XXXX in XXXX, MI. I called on XXXX and XXXX to dispute these transactions.The representative stated on my call on XXXX that she did not know why I was not issued a provisional refund and said I could call the Dispute Resolution Department. I was informed on my call on XXXX to the Dispute Resolution Department that I would not be issued a refund for these transactions " pending further investigation ''. The amount of these transactions were {$75.00}, {$75.00}, and {$74.00}. I was told it would be 10-90 days before I would receive a refund only if the charges were deemed fraudulent. 

PNC should be responsible for issuing my money back while they conduct their investigation considering their zero liability fraud protection for consumers. None of the representatives I have spoken to will give me an answer why they will not refund the last 3 transactions.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have a cash app account that was my main source for direct deposit for my job. I came home from work XX/XX/XXXX after working night shift and went to sleep at around XXXX XXXX  EST and I woke up at around XXXX XXXX EST to my phone getting multiple text messages saying my email was changed, my phone number was unlinked, and a card ending in XXXX was added to my cash app account. I was logged out and I couldnt even log in since the person who hacked my account had literally changed everything. I waited until cash app support opened at XXXX XXXX  EST and I called their support. After hours and hours, they could not help me in regards of getting my account back. I called my work to tell them about my account being hacked and to hold my check but I got paid that following night I worked and the payroll staff wouldnt be in work until the next morning which by then I wouldve already been paid XXXX dollars. So, XX/XX/XXXX, I got direct deposit of XXXX dollars from my work, within 2 hours all of that money was transferred off of my account to XXXX, which I didnt even have access to my account at that time. I called cash app support and tried to get it fix, after endless hours and going through multiple of their support agents, none of them was able to help me unfortunately, they couldnt even get me back into my account even after giving them everything they asked for.
Product: Credit reporting

XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed
Product: Vehicle loan or lease

I just received a call from XXXX trying to force me to make a payment for late fees on my husband account in the amount of {$680.00} and his principal balance was only {$230.00}. She when as far as to tell me that not making the payment would impact his score. My husband has been out of work XXXX years now we have tried to ask for assistance from the company to lower his payment due to his health. Although they deferred about XXXX payments it was still a struggle paying the amount monthly payment either the representative would block you out of the account. Or just really wasn't any help now to apply the fees as if it is apart of his loan amount is ridiculous and unfair and illegal I have paid his principal balance in his agreement. The company has told me several times that I can't make post payment agreement but I was able to do so today even though my husband has me as authorize user on his account I am the who handle his affairs because of his medical issues I still have issues with the company
Product: Credit reporting or other personal consumer reports

I got my credit report Notice on my credit report agency 's showing no payments or late payments with missing. Which wasn't true. I Made ( XXXX XXXX XXXX ) always on time don't miss payments l spoke to company Name ( XXXX XXXX XXXX ) stated credits bureaus companies reports Late the company manager gave me printouts to disputed.

Negative rating notices no changes scores instead no changes l haven't been late or miss payments from company.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Experian in which they received it on XX/XX/2023 at XXXX XXXX requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint reasons : My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Student loan

I recently submitted an application to switch the IBR plan to the SAVE plan XX/XX/2023 to stop interest accrual and get a more affordable monthly payment. According to the StudentAid.Gov site it is showing the application was completed and has for several months. However, I have yet to be officially enrolled in the plan even though I have called my service provider Aidvantage multiple times requesting to enroll me ASAP. 

I called 3 different times ( XXXX, XXXX, XXXX ) and they had no record of my previous calls, they stated that they are still processing the application and, in the meantime, would place me in a forbearance where no interest would accrue. However, my balance is continuing to go up due to interest accrual they stated would stop and I still have not been enrolled in the SAVE plan.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX XXXX every 45 days about the XXXX unknown statues on my credit reports from XXXX, XXXX and experian for the month and year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.
Product: Credit card or prepaid card

This refers to my Synchrony Bank XXXX XXXX XXXX card beginning i XXXX. Account opened XXXX of 2018. XXXX credit line. Exceptional payment history. XXXX balance = just over 6 % of the line. Notified yestzerday, credit line now {$250.00}. Making tzhe raztio now 50 %. Severely hurting my credit score with no basis for this whatsoever.
Product: Money transfer, virtual currency, or money service

I sent {$300.00} through money gram to my mother in XXXX XXXX. She did not get the money or a Receipt. She did not signed any paper that the money was given to her because of money was never given to her or a receipt and I called moneygram multiple times and they keep on telling me that the money was given to my mom but theres no proof that that happened because the store never gave her the money or the receipt in XXXX. I dont think its fair to lose this {$300.00} for a technical issue that is not in our hands the company needs to be responsible for this money we work really hard for this money and my mother needs it for her medicines
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous account that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$760.00}
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I don't recognize, it was not authorized and I never consented to it. I only apply in person and these seems to have been done online, this is very worrisome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.