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

On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018
Product: Checking or savings account

I opened a PNC account. The terms of there offer : You may earn a {$300.00} reward if you open a new Virtual Wallet with Performance Select To qualify for the reward, the new Virtual Wallet product must be opened online via the application and a qualifying Direct Deposit ( s ) must be received within the first 60 days. 

The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$5000.00} for Virtual Wallet with Performance Select. 

My direct deposits posted to my account on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 totaling {$5000.00} within the 60 days of opening. 

Ive chatted with representatives numerous times after the bonus did not post a few weeks after. Every time they insisted that I have met the terms and it would post by today XX/XX/XXXX. I contacted them again today and just now they are escalating. However, if so owed the bank money I would be asked to pay interest and late charges.
Product: Mortgage

In XX/XX/2024 XXXX misapplied my monthly mortgage payment. I have two loans with XXXX and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by XXXX XXXX. XXXX, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law. 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt-out. Moreover, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no consumer reporting agency may include adverse information in a consumer report that is more than XXXX years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision. 

Furthermore, under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, XXXX XXXX. XXXX requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section XXXX and limit the furnishing of consumer reports to permissible purposes under Section XXXX. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under XXXX XXXX XXXX, consumers have the right to opt-out at any time. I am formally exercising my right to opt out of your reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$13.00} This is like the 6th time am filing this same complain why do you keep reporting the wrong information on my account? 
This is now total negligence. We are in XXXX and your reporting my account to reflect XXXX data? this is unheard of.
Product: Credit reporting or other personal consumer reports

Ability recovery services is reporting a debt from XXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXXXXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.
Product: Debt collection

XXXX pcs sent a debt to XXXX collections I paid settlement and have proof, now XXXX sent same debt to new collections and when contacted told me tough, I contacted XXXX XXXX who had me email proof, I have all emails, names of collector 's and paid letter. Double dipping is illegal and that 's what sprint is doing and now tagged all XXXX credit reports.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from Experian, XXXX, and XXXX and identified several inaccuracies. These errors are causing financial harm and are tied to a name that does not reflect my legal identity. The accounts and inquiries are listed under the name " XXXX XXXX XXXX, '' which is not my correct legal name. My legal name, as updated through a certified court order, is formatted differently, and I have no connection to the accounts reported under the all-caps name. 

Details of Specific Issues : Charge-offs Reported as Debt Despite Forgiveness : XXXX Bank : A charge-off of {$4400.00} remains reported, even though this debt was forgiven and a 1099-C form was issued, reporting it as income to the IRS. 
XXXX XXXX : A charge-off of {$5700.00} remains listed, despite being forgiven with a 1099-C form. 
These accounts are associated with the incorrect name and can not simultaneously be reported as forgiven income and outstanding debt. 
Student Loans That Are Not Mine : Several accounts from XXXX are fraudulently attributed to me, including one with a balance of {$2600.00} opened in XXXX. I have never applied for or taken out student loans. 
Bankruptcy Filing Error : A XXXX XXXX bankruptcy was reported as filed and dismissed in XXXX. This filing is fraudulent and not associated with me. 
Unauthorized Hard Inquiries : Over 50 hard inquiries appear on my credit reports, all unauthorized. Examples include inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
Incorrect Personal Information : The credit reports list incorrect names and addresses, including variations of " XXXX XXXX '' and outdated addresses that I have never lived at. 
Actions Taken : I have disputed these inaccuracies with the credit reporting agencies but have not received proper resolution. 
I filed an identity theft report with the FTC to address the fraudulent accounts and inquiries. 
I contacted creditors, including XXXX XXXX  and XXXX XXXX, to dispute the charge-offs and request corrections, but no action has been taken. 
These accounts and records are incorrectly tied to my file and are not associated with my legal identity. I am requesting their immediate removal, as they are causing significant harm to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from XXXX XXXX dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from Experian reporting a date of XX/XX/2019 and an Experian report number of ( XXXX ). In which, the Experian report does not show my current XXXX XXXX Credit card reporting. There is still a major disconnect between Experian and XXXX XXXX. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with XXXX XXXX and Experian both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An immediate resolution is required at this point.
Product: Mortgage

This complaint is related to Case # XXXX which is not resolved. Disputed response from company but was advised to resubmit complaint. Company did not respond to XXXX out of XXXX requests : Req # 2 - Loan Accounting and Third Party Servicing Systems Information Req # 3 - Existing Admissions See accompanying attachment : " CPFB Dispute to XXXX response XX/XX/2016 " for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed this account by certified letter notarized, with Experian. They had 30 days to reply and failed to resolve the account. XXXX XXXX XXXX XXXX. Please note this account is closed, paid and older then 10 years old. Also note that XXXX payment history for the same account proves I have good payment history and also exceeded the 7 year FCRA law. I have included images for expert an app and privacy guard web site.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$130.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$7300.00} XX/XX/XXXX XXXX  : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$220.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Closed XX/XX/year>. No reason or responses on where money had gone.
Product: Debt collection

I sent out a validation letter on XX/XX/XXXX Convergent received the letter XX/XX/XXXX. I have been trying to validate this debt with Convergent Collection Company asking to Validate this XXXX debt account # XXXX they claim is mine. In my Affidavit to Convergent I asked to send me a wet Ink copy of a sign agreement naming XXXX XXXX as the owner of this debt. I also asked Convergent Collection to send me a copy of the Bill of Sale to show they have the right to collect this debt naming XXXX XXXX which gives Convergent the right to collect this Debt. 

I also stated in my Affidavit that if Convergent has first hand knowledge of this debt they should be able to product these documents. Convergent sent be a copy of a bill with a letter. The FTC states a copy of a bill does not validate a debt. IIn Addition if you do not have a bill of sale naming the person owning this debt you have No Right collecting on this debt. There are some inaccuracies and Red Flag with this debt. Convergent admit some inaccuracies in their letter, but continues to report this debt and damage our abilities to secure a loan. Convergent in their letter stated " their company has not sufficient time to complete an investigation into the inaccuracy and a corrected copy ''. Under the FDCPA they have 30 days to verify this debt again there are some serious red flags with this debt. In closing they have not proved the debt is mine, they have not completed the dispute process in the 30 days. They have admitted to inaccuracies, but continues to report this debt as accurate. Please help!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, file a dispute with XXXX regarding a XXXX XXXX bankruptcy that was sent to TransUnion, XXXX and XXXX I was informed by XXXX that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records XXXX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! XXXX is a corporation that does not follow the law. also, XXXX along with XXXX are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over 6 disputes to XXXX and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER CARD : Back in XX/XX/XXXX+XX/XX/2015, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a discovery CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from Discover Card until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with Discover card? 

XXXX XXXX : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with XXXX. We offered to refinance and carry the debt and continue to pay it when we move to XXXX  but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with XXXX today, never
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX CARD Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX {$29.00} retuned payment fee. ( Said account was closed ) Account is not closed. I made 3 more payments from that account. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was notified by the credit bureaus XXXX, XXXX and XXXX that capital one placed a late payment on my account. I have no accounts with capital one indirectly. The account that was reported late was a walmart card through XXXX XXXX. The card walmart card that received a late pay is closed and all payments for the walmart card is handled through a company called XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX mailed out the payment to XXXX payment center and when the payment was returned they reached out trying to find out why the payment was returned and they were told that XXXX was brought out by capital one and all payments should be directed there. Myself or XXXX never received a letter of stating that the payment address was changed therefore payment was made to the previous payment mailing address as usual. The company is reporting a closed account as a late payment and this is not the case. I have no direct contract with capitalone, if capitalone brought a credit contract out it is their responsibility to send the new payment details to it's clients. This account is not accurate and has reported to my credit report an error. No contract can be verified by this company. I have never had any late payments in my life this is not true what they did. I contacted capital one on this matter XX/XX/2019 spoke to a XXXX who tranferred me to XXXX and XXXX suggested I speak with rich XXXX I contacted rich on XX/XX/2019 and again XX/XX/2019 and no reponse. Hope you can help. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report is XXXXXXXX XXXX ... which is not my account. Never solicited them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never XXXX days late.