23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX, XXXX kept charging me for a subscription service I did not consent to on my bank of america card. This, without my knowledge, caused me to go late on the card, knowing I did not charge anything to the card. 

Bank of America was subsuquently called in XXXX and requested that the fraudulent charges be refunded and removed thus eliminating any late payments as no charges were ever authorized.
Product: Debt collection

I discovered in my credit report that Source Receivables Management , LLC, has posted a collection action for a XXXX account that is fraudulent. They filed a collection action against me in the amount of {$2600.00}, which they are collecting on behalf of XXXX. The account is not mine. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I requested that they either provide me with written proof that this debt is mine, specifically, but not limited to, a contract bearing my signature ; or remove it from my credit record and update this information with all three credit bureaus to reflect that this account is not mine. They did not provide any documentation. Instead, they replied by requesting that I provide a statement of dispute to XXXX. XXXX is not listed on my credit report, Source Receivables Management , LLC, is taking action against me. Furthermore, how can one prove a negative. I have nothing to submit to XXXX or SRM as this is not my account. SRM has the claim against me so they should provide evidence of my debt, evidence that I opened this account. All cell phone accounts require signed contracts. As such, they should be able to provide a contract with my signature on it. They have not. And they can not because the account is not mine.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX. 
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX JPMCB AUTO FINANCE, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
Product: Credit reporting or other personal consumer reports

i am filing the USC1692c i have filed it with them also
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. While I am understandably frustrated by this situation, I understand that errors can occur unintentionally. I trust that you will take the necessary actions to promptly correct this issue. I maintain detailed records of my payment history across all accounts, and it is inconceivable to me that there would be any instances of late payments reflected in these records. 

These incorrect late payment entries are negatively impacting my ability to obtain the credit I need, as they are significantly lowering my credit score. I have consulted with professionals who have confirmed that there are legal protections in place to prevent the dissemination of inaccurate credit information. 

I take this matter very seriously, and I kindly request the swift removal of the late payment designations from my account. 

Thank you for your attention to this matter. I eagerly await your prompt resolution.
Product: Debt collection

XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

This account was previously deleted from my credit report, due to it being a HIPAA Law violation. It was then sold to another debt collector and placed back on my credit report.
Product: Credit card or prepaid card

On today, Monday, XX/XX/2023, I have had to spend over XXXX hours on the phone with Synchrony Bank employees to get to the truth of why my account is showing that I owe about {$100.00} more than I have record that I owe. 

This has been a continual pattern during the last XXXX years as a customer with Synchrony Bank/PayPal Credit . 

Last week, I made XXXX calls without success with each representative stating something different. 

However, after many hours I was finally told the truth. 

My account had been recharged {$120.00} due to an " internal error '' made by employees within Synchrony Bank. Synchrony Bank rebilled with {$120.00} without any prior notice in any form of communication with me and evidently the employees did not know. 

The facts of this continual deceptive trade practices and gross billing negligence are as follows : Original charge of {$120.00} on XXXX Provisional Credit of {$120.00} on XXXX Reversal of Provisional Credit of {$120.00} on XXXX Provisional Credit reissued of {$120.00} on XXXX Provisional Credit Re8issed of {$120.00} on XXXX Reversal of Provisional Credit/ Rebilling/ of {$120.00} on XXXX No prior notice, nothing listed on the online account. 

I knew that the balance of {$270.00} was not correct on XX/XX/2023. No plausible explanation given.
Product: Credit reporting or other personal consumer reports

Transunion credit bureau will not allow access to my credit report. I log in to my Transunion account. I then follow the prompts and instructions on the Transunion website to view my credit report. At this point a message appears that says they are not able to fulfill my request. This has happened numerous times over the last 2 years. When it first happened I contacted Transunion by telephone and was told by a representative that I must first send to Transunion, by mail, among other things, copies of my social security card, and drivers license. I responded that I would never send this type of sensitive information via mail. I was told that I must or Transunion would not be able to verify my identity. The information that I am able to view is largely incorrect. Transunion reports a credit history that dates back to only XX/XX/XXXX. 

I filed a dispute with Transunion and on XX/XX/XXXX received a reply that my dispute results are available. I logged in to my Transunion account. I am still denied access to my credit report and my original dispute was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 9 accounts that were negative and became late in early to XX/XX/XXXX2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file.

One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that Transunion sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. XXXX has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, Transunion, XXXX and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.
Product: Credit card or prepaid card

I paid off my Citi card in XX/XX/2018. I am enrolled in paperless statements. There was a {$23.00} charge in XX/XX/2018. 

I have not received ANY statements from them until this morning, when I got a notice saying that my TWO accounts with them ( I only have ONE account ) were four months overdue. And they are charging me more than {$400.00} for that {$23.00} charge. 

I can not access their messages to me on their web site ; the system freezes and then I am locked out. 

I want those exorbitant charges removed. There is no way I am going to pay more than 1000 % interest on that tiny amount.
Product: Debt collection

I get repeated and constant calls and voicemails from them. Theyve now started sending texts to websites I dont know if I can trust or not. They call every single day. I HAVE told a couple of them to stop calling but theres two agencies that keep calling so I dont know which one I told.
Product: Checking or savings account

Wells Fargo keeps reposting a charge that has been paid for an online order preventing me from closing my account. I placed an online order with XXXX on XX/XX/21, payment was received by XXXX on XX/XX/21, the order has shipped XX/XX/21 at XXXX pm. Wells Fargo changes the pending date every day preventing me from closing my account, the account cant be closed if theres a pending transaction. Its misappropriation of funds, XXXX has been paid for the transaction {$14.00} I receive my merchandise on the XXXX. I have withdrawn all funds from my account, direct deposit has been redirected to another account. I want nothing to do with Wells Fargo they are crooked and dishonest, underhanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account 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 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this information
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late.

Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters and my driver license showing my name and address
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 im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, my rights have been violated. 
In accordance with 15 USC 1681 section 602a, i have the right to privacy.

In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 or other personal consumer reports

XXXX XXXX Equifax are reporting incorrect information on the account listed as XXXX XXXX XXXX XXXX it has several inconsistencies which means the account has not been properly validated because it can not report 2 different ways. 

The account information that should be investigated is : High Balance : {$0.00} -- Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Payment Status : Payment after charge o! / collection Paid, was a charge-o!

Creditor Remarks : Account previously in -- dispute? now resolved? reported by subscriberm Payment Amount : {$0.00} Term Length : - - 1 Month ( s ) Account Type : Open account Deposit Credit Limit : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope the disputed account is updated. 
Please validate the listed account : CHILD SPRT XXXX Balance Owed : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX K XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022.