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

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Product: Debt collection

Dear Sirs ; I have written a number of letters to Bull City Financial Solutions about this alleged debt. I have asked for information so that this debt can be validated. I only received one response, that did not validate the debt I finally sent the an open contract of " Estoppel by Silence '' this two was ignored. By law they have given up all claims related to this alleged debt. The company still has not responded to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with XXXX and Equifax. XXXX finally responded by removing the XXXX loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX XXXX XXXX. XXXX sold these same loans to XXXX Collections XXXX. XXXX only removed just XXXX of the XXXX Collections # XXXX and not the other XXXX were left on the report and need to be removed as they too have been sold by XXXX.These other XXXX loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to XXXX XXXX XXXX. Equifax has all XXXX XXXX Collections Services still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that XXXX would be difficult to deal with and they were right.I am XXXX XXXX XXXX living on a fixed income and need to refinance my house but the the game playing by XXXX and Equifax still continues. Why did n't they remove the others like XXXX did?
Product: Credit card

On XXXX XXXX, 2016 I logged in to XXXX and submitted credit limit increase application. The application did not ask for a social security number and there was no notice whatsoever of a potential credit inquiry ( See attached screen shots ). I have multiple cards from other financial institutions and some require and inquiry ( either hard or soft ) while others do n't. A " soft '' pull does not impact credit score, a " hard '' pull does. Their inquiry was a hard pull. I was under the impression that this process would either need a soft inquiry or none as there was nothing specific in the application. While going through this process with my other credit cards, they all specified what kind of inquiry would be required. 

I previously contacted Elan financial Services and asked them to contact XXXX and have this inquiry removed immediately as it was unauthorized. My request was denied. 

I mentioned it to them that It would be beneficial to your customers and their organization to update the verbiage on the online application so it clearly states that a " hard '' inquiry will be required. Appreciate your attention in this matter. I have exhausted all other options to try and get this addressed. I have called multiple times, contacted transunion and Elan Financial Services in trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Working hard to pay off debt. XXXX and XXXX scores moving up. Equifax decreased my score by 25 points. Inquired about changes. There were 8. One card increased my credit limit. 7 credit cards had decreased balances. Equifax continues to decrease my score with out merit. Equifax should be responsible and accountable for decreasing Anyones score without fact based reasons.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am filing this complaint to address the inaccurate and harmful information being reported by the credit bureaus listed below. Despite my efforts to resolve these discrepancies directly with the bureaus, I have been unable to achieve a satisfactory resolution. 

Issues Reported 1. Account Discrepancy Creditor : XXXX XXXX Account Number : XXXX I do not recognize this account, and I believe it does not belong to me. This account is causing significant harm to my credit profile. I request its immediate removal. 
2. Unauthorized Hard Inquiries Multiple unauthorized inquiries have been reported on my credit file, which were not initiated or approved by me. These include : Dates of Unauthorized Inquiries 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 These inquiries were not authorized, and their inclusion on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights Violated Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to : The assurance that my credit report contains only accurate, verifiable, and complete information. 
A thorough investigation of any disputed information, with results provided within 30 days. 
The removal of unverifiable or unauthorized information from my credit report. 

The inaccurate account and unauthorized inquiries have caused harm to my creditworthiness, violating my rights as a consumer. 

Requested Resolution 1. Immediate removal of the XXXX XXXX account ( XXXX ) from my credit file. 
2. Immediate removal of the unauthorized inquiries listed above. 
3. A corrected credit report sent to all creditors who accessed my file within the last 6 months ( or 2 years for employment purposes ).

4. Disclosure of the name, location, and contact information of the parties responsible for furnishing the disputed information. 

Failure to address these inaccuracies will leave me no choice but to pursue legal action for non-compliance under the FCRA. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the credit bureaus take the necessary steps to resolve these issues promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

I was notified first part of XXXX that my mortgage service did not receive payment for XXXX. 
i supplied them with proof, check image front and back, that it had indeed been processed by them. 20 some phone conversation with them and i has not been resolved. 
XXXX XXXX should be looked into for miss-management, incompetent handling of peoples money, and possibly fraud or money laundering. i don't know what's going on there but i have no way out and am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : TransUnion XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, TransUnion. She specifically stated " No one would be making the updates/corrections to this account. '' RE : XXXX   XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  XXXX my credit record XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized Inquiries on my credit report that i would like removed. According to the FCRA these unverified and Unauthorized items must be removed.
Product: Checking or savings account

They informed me that I had XXXX XXXX, but I was still getting overdraft fees credited to my account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 1. online information XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I needed the loan to cover a financial hardship due to death of my son. I fell behind in payments and they withdrew a very large lump sum which I did not authorize and was not what I initially agreed to - I was not informed or aware that a company could do this and feel they are in violation of some legal regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, XXXX, and Transunion. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, Transunion, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : XXXX, Transunion, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX
Product: Debt collection

on XXXX XXXX, I SENT SOS GROUP DBA HEAD MERCANTILE CO , INC letters about some alleged debts of the following:XXXX ; XXXX and XXXX that i do not owe. i never done business with them nor owe them this amount. also they gave my information to a lawyer acting as a debt collector trying to sue me which is against the law. 15 USC 1692e states : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Product: Student loan

HESAA IS REPORTING LATES ON MY CREDIT BUREAU WHICH THEY HAD PREVIOUSLY REMOVED. I WOULD LIKE ALL/ANY LATE REPORTINGS REMOVED FROM MY CREDIT BUREAUS. IT WAS PUT ON DEFERRMENT AND IS REPORTING LATE EVEN THOUGH THE PAYMENTS WERE MADE
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : Account Name : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Hello, and I hope all is well. Thank you for taking the time to review the complaint. XXXX, XXXX assist with the purchase of a XXXX XXXX XXXX used for XXXX. The total amount of Finance {>= $1,000,000} included a co-signer, XXXX XXXX. Payments are {$210.00} for seventy-two months. Many violations occurred during the time of purchase. Questioning the entire purchase. 
According to the Comptroller of Currency, Santander Consumer ServicesXXXX violated a series of occurrences. Unfair Deceptive Abusive Act Practices. In XXXX, a series of late payments occurred. A credi-risk allowed her credit score to become compromised and decrease her creditworthiness.

Strategic Risk occurred when operations extended a line to purchase a vehicle with a co-signerthe APR 16 % with a time frame of 72 months. With the Resilience score, not an acceptable rate for financing, the co-signer resilience score was more compromised.
Product: Debt collection

I am a XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX I moved to XXXX Al for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initially informed the apartment management team of XXXX XXXX XXXX in XXXX Al prior to agreements. The apartment management verbally stated that " since I was already in contract status with the realtor, I could sign a short term lease. Also, verbally stated that with said short term lease, to inform them 30 days prior that I would be closing on my current home. '' Once I closed on the home, I " could end the short term lease with XXXX with no problems and they ( apt management ) would refill the space with a new tenant. The apartment manager obviously verbally made promises that lead to the following. From my understanding, closing on a house is a credible status to end a lease but their management pulled a cruel bag over my head because i did not have what i was told in writing. I have received letters as well as threatening phone calls about paying over XXXX $ from a collections agency. I am now in pursuit of a new home and the collection shows as an unpaid debt on my credit report. I called the apartment management team as well as collection agency Rent Debt Automated Collections and asked to speak to a supervisor only to be hung up on. I will dispute the collection, but I would like to report the collection agency. 

Thank you
Product: Credit reporting or other personal consumer reports

**Complaint Regarding Credit Reporting by PennyMac Loan Services** *Date : * XXXX XX/XX/year> XXXXLoan Number : * XXXX *To : * Consumer Financial Protection Bureau ( CFPB ) *Subject : * Inaccurate Credit Reporting by PennyMac Loan Services I wish to file a formal complaint regarding the erroneous credit reporting related to my loan, number XXXX, by PennyMac Loan Services on XXXX XX/XX/year> XXXX This inaccurate report was sent to at least one credit reporting bureau and contains the following issues : 1. **Incorrect Loan Balance : ** The report indicates an incorrect outstanding loan balance of {$440000.00}. This figure does not reflect the actual amount owed on my loan. 

2. **Incorrect Account Status : ** The report also states that my account is past due, despite there being no missed or late payment for the month of XX/XX/year>, as evidenced by PennyMac 's own payment system on XXXX XX/XX/year>, where no payment was recorded as overdue. 

3. **Violation of Forbearance Agreement : ** The current reporting fails to acknowledge the forbearance agreement in place with PennyMac Loan Services . The erroneous reporting disregards the terms of this agreement, which directly affects the accuracy of the credit report. 

I kindly request immediate correction of these inaccuracies and confirmation of the updated and accurate reporting to the relevant credit reporting agencies. 

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

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX  XXXX {$61.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company XX/XX/2022 and informed them that they are reporting charge off on my consumer report. Its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and the company must file a XXXX.
Product: Prepaid card

I have tried using the gift card multiple times online and in person and it was declined despite a balance on the card. Amex customer service says the card is fine and working with the stated balance. 

XXXX XX/XX/XXXX multiple times XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX in person and at pump XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.