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

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX 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. 


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: Debt collection

Over the last few months I have disputed this account with your company ACIMA CREDIT XXXX XXXX with XXXX. Each time XXXX come back and tell me this debt has been verified. XXXX claims that your are verifying the debt in which I know this isn't true. If it is is true you are negligently and willfully violated the Fair Credit Reporting Act. 
ACIMA CREDIT XXXX XXXX is negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely if and you can not supply that and report accurate information to XXXX that they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act. Please also, give me information on when the last time XXXX sent over to you to do an investigation of the account that I am questioning as well as they may be liable for not investigationing my claims per XXXX Credit Reporting Act.
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 XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 

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: Student loan

Original loan was through XXXX XXXX, when it came time to repay my loan, my loans were then the property of Navient. They wanted me to pay {$1000.00} a month for my student loans and I did not have the income, they explained to me that I could pay deferments of {$150.00} for every 3 months to keep them in good standing. I did this, but of course I ran out of deferments and my loan amount went back up, I tried to set up an income bases or payment plan with them and they would not give me any amount less than {$800.00}. I tried to I did not have the money as I was just graduating from school and not landed a full time yet. my income was unpredictable. I asked for relief after paying something towards it, but they said since my account was in good standing there was no program that I could qualify for. So I had to let them go bad, by this time they were willing to work with me or so I thought, no they wanted XXXX dollars, again stressing to the and filing out monthly financial reports, they then begin to say you do n't have enough surplus income to pay these so we ca n't prove that you can pay them, therefore you do n't qualify for a relief program. I was so disgusted. Again, I had to let them go bad. Then, finally in XXXX I spoke with a nice lady who told me I had now been able to qualify for a 15 month, lower interest rate program, where I could pay {$260.00} a month for all of my private loans, and that they would lower the rate to 3 %. I had to set up automatic payments for the entire program, but could not be promised that after the 15 months, they would skyrocket again. I decided to take their word in hopes of raising my effected XXXX credit score due to these loans, and pay them so they would be in good standing. Well I received a call on XXXX XXXX stating that XXXX of the loans would not qualify for the repayment plan and they needed an additional XXXX dollars to satisfy the loan. " Wait, what? '' I said to myself, this can not be true, the whole reason I signed up for this program was to state repaying this loan, after Navient continued to attack my credit score and offer me absolutely NO RELIEF, I finally qualify for a program and they renege on our agreement! I am considering bankruptcy because I do not see an end in sight. I am XXXX years old with XXXX in private loans, and if they continue to treat me like a rag doll my credit score will be XXXX : ( I do n't know what to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX  account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. XXXX XXXXXXXX  has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far
Product: Checking or savings account

In XXXX, a fraudulent account was opened under my name and company at US Bank. I discovered this in early XXXX and immediately called the bank to report the fraud and request the account be closed. At that time, I was informed that an affidavit would be mailed to me to resolve the issue. However, upon following up with a customer service representative today ( XX/XX/year> ), I learned that the affidavit was never sent, delaying the resolution of this matter. This lack of action has prolonged the existence of the fraudulent account and caused significant inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting on my credit report are " inaccurate '', and are false statements of ownership. I was apart of the " 2017 XXXX BREACH '' and these loans have reported on my credit score " fraudulently ''. I want these accounts removed ASAP or me and my lawyer will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to put a freeze on my credit report! 
XXXX Experian XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to dispute information on my credit file with Transunion and their updates never reflect any updates or changes made. According to the FCRA any information that is incorrect, must be deleted for inaccuracies. They have not done so. And my credit score has remained unchanged meanwhile XXXX and XXXX have updated most of my inaccuracies and my credit score.
Product: Credit card or prepaid card

In XX/XX/XXXX my credit card with Capital One was in a {$780.00} state of closer so I called to make arrangements which was towards the end of XXXX of that same year. So I began to make payments to lower my card debited amount. I'd noticed that I also needed to cut down on my uses of the card which I'd done that also. I began to increase my payments, here I'm thinking that doing such would lower the amount of the balance, but it didn't, it just seems like this balance was getting longer to pay off. After staying up until XXXX XXXX on XX/XX/XXXX this morning and adding up what I've paid into this account with the {$280.00} that shows on my new balance will total to be {$1400.00} in a 9 months span. I know what my interests rate is and this rate that I'm being charged is more than what I agreed to. XXXX the costumer service rep. that I'd spoke with this afternoon @ Capital One claims that what I owe is {$480.00} which is a big conflict in what I have received and what she's claiming that I owe which is ridiculous. XXXX XXXX XX/XX/XXXX
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 consumers rights to privacy and confidentiality under use 1681XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 u.s.c 1681 section 602 A states I have the rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Recently I refinanced my home with LoanUnited. They sold my loan to another company and transferred all my principle amount. 
Meanwhile I sent them one month of payment via check. 
Now They are not acknowledging that they have cashed my check and have not refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, the burden of proof lies on XXXX, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 


Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct, a letter is enclosed that explains everything
Product: Debt collection

I keep getting a phone call from Portfolio Recovery. I have no outstanding past due debts. They are not giving any information but keep trying to collect or verify information. I do not give them any information and they still continue to call for no reason. I have checked my credit reports and have no outstanding or incorrect information in my report. I want these calls to stop I am receiving 1to 2 calls a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

1692c ( a ) - needs prior consent from either the court or the consumer before communication with the collection of any debt.

1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This can be used in many ways. And in my opinion I give one very limiting example for credit reporting 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed Aka false and misleading reporting.

1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop.

1681 ( a ) ( 4 ) - Consumers right to privacy 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Product: Debt collection

I was wondering why my credit score fell by XXXX pts. So I looked it up. I called the company that had hit my credit not once, but twice in one week! I had never heard of them. I called. XXXX XXXX at XXXXXXXX XXXX XXXXXXXX. She stated they were collecting a debt from a XXXX XXXX XXXXXXXX. I had a hard time getting the XXXX to put the claim through with my insurance way back then. It was an ER visit. They did nothing and the charge was like I spent a week there. I finally had it taken care of and then Covid came and we had no jobs. I could not pay the bill. It went to a collections and went down to around {$1000.00}. I tried to pay some but was having a hard time. I didnt recieve bills. This place came from nowhere. At me owing {$6400.00}. They have not sent me a bill. Nothing. My credit was good at XXXX. Im trying to do good. Its down XXXX points because they hit it every week. I do not have a job and live in a camper. XXXX XXXX XXXX XXXX XXXX so I can go back to trying to work. They need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 inaccurate accounts that are potentially negative being reported on my Experian credit report. One account in particular that's being reported has been extremely harmful to my credit in general. The account is fraudulent and has never been verified under FCRA. I have disputed this account several times to no avail. Now this account has somehow merged into 9 other accounts on my report which is illegal. I am referencing an account placed by XXXX XXXX XXXX. This account is being reported although it has not been verified. XXXX can not provide any evidence of a valid contract between them and I. They can however provide my information on an application but not a valid contract, a lease agreement or finance papers to prove its validity. In addition to being a false account, the account is very very old, the contract date is XX/XX/XXXX. This account is over 10 years old. This account should have been removed in XXXX by law. Experian has refused to delete this account and now it has somehow merged with 9 other accounts. That's 10 false accounts are causing irreparable damage to my credit. I have attached copies of the accounts which shows the false inaccurate accounts.
Product: Debt collection

I have a charge of XXXX from Sunrise Financial that is related to and XXXX account I have never owned. 
I have never been associated with the physical address, the email address, or the phone number linked to this XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, has violated my rights. 

XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 exclusions Number 2 ( a ) ( 1 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 USC 1692 1692k civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Credit reporting 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 confidentially under 15 USC 1681. 

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 XXXXXXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Checking or savings account

This month and last month. Many overdraft illegal charged to my account under XXXX as policies stated no overdraft fee under XXXX. And one transaction has refunded as return item back to merchant and bank didnt refund overdraft fee. I currently homeless and my income from my employer in and out there no steady working paid.