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

I reviewed my credit report and on XX/XX/2022 and observed 17 inquiries each from a different lender. These lenders pulled my credit without my permission. I did not give verbal or written permission to review my credit report. I did not give XXXX XXXX XXXX permission to shop my credit. The salesman that day told me XXXX will be the only company pulling your credit profile. XXXX can not and did not provide me with any documents or electronic signatures from me authorizing these companies to pull my credit. I am requesting all of the attached inquiries. This has dropped my credit scores and I am requesting the deletion of all inquiries pulled on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Last year there was an account added to my credit report from IQ Data International. I have never done business what this company and dont have any debt with them. I called them directly multiple times in XX/XX/2023 at XXXX XXXX to inquire about the account they put on my credit. They refused to send me any information regarding the so called balance I owe. They could not give me a ledger, invoice or anything showing I owe them a balance. The representative was very rude and told me I would have to pay anyway even if they didnt send me proof. I then disputed the claim with XXXX. They did absolutely nothing. I called XXXX in XX/XX/2023 directly and the representative told me anyone can put a debt in your name and there nothing they can do about it. There is no justice!! I have multiple account I tried to get help with but XXXX does nothing to investigate or atleast send documentation supporting items remaining after a dispute
Product: Credit reporting

My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus XXXX, XXXX, and Experian will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a part of a liquidification plan with XXXX on my XXXX XXXX and XXXX card, I made an arrangement months ago to make a payment on {$84.00} a month for the XXXX XXXX card and {$46.00} a month on the XXXX card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The XXXX representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called XXXX and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points  when I worked so hard getting it up the past year. I told the representative I would pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing me.
Product: Credit reporting

A criminal entity posing as " XXXX '' made inquiry to my TransUnion credit file on XX/XX/XXXX and was given access to my full report. Within the next 30 days, my identity was stolen. I confirmed the fraudulent nature of the fake " XXXX '' credit inquiry with the actual National Coordinator of " XXXX '' on XX/XX/XXXX. On XX/XX/XXXX, I sent a Certified Letter to TransUnion informing them of the Fraudulent Inquiry and provided them with relevant details of the fraud. I also alerted TransUnion to the fact that continuing to provide Subscriber Services and Access to the Fraudulent " XXXX '' entity was putting unknown hundreds, or perhaps thousands, of people at risk of Identity Theft. Finally, I requested TransUnion contact me to discuss the fraudulent inquiry made to my credit file and to receive information from TransUnion regarding the contact information and transaction history with the Fraudulent " XXXX '' entity. 

On XX/XX/XXXX I received a response from TransUnion that was totally unresponsive to the information I had provided or the specific nature of my request ; their reply says only that " the information you disputed does not currently appear on your TransUnion Credit Report ''. I had hoped to receive a response that acknowledges the Breach of Security and unauthorized access to their files so that I could help law enforcement catch the criminal and to prevent others from having their Identities stolen. 

TransUnion 's response is appalling in its arrogance - they did not even respond to my specific request - and is an unacceptable reply in that it shows complete and total disregard for the security of the credit files that is central to their business.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied online through XXXX after speaking with them about a personal line of credit. Navy Federal immediately denied an extension of my credit. This is two violations of ECOA/Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the recent XXXX XXXX breach in security and over XXXX XXXX people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like XXXX and Experian should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX breach is deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with PORTFOLIO, PORTFOLIO RC  ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXXXXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXXXXXX XXXX  and had to move and file a police report lost everything including my XXXX XXXX  and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding the inaccurate late payments reported on my credit file maintained by TransUnion. These late payments misrepresent my creditworthiness and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this XXXX XXXX XXXXXXXX account ending in XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments is a violation of my rights under the FCRA, specifically 15 USC 1666 ( b ), as it misrepresents my credit history and falsely impacts my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : This inaccurate reporting may also constitute a violation of the FDCPA, which protects consumers from misleading representations regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate and fair reporting of credit information.

Additionally, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and information furnishers to correct any inaccurate or incomplete information in consumer credit reports, ensuring maximum accuracy. Furthermore, sections 15 U.S.C. 1681n and 1681o outline civil liabilities for willful and negligent noncompliance with the Act, providing for actual and punitive damages.

Summary of Errors on Account 30-Day Late Payment : Listed as late for XX/XX/XXXX, but payments were made on time via autopay. 
XXXX Late Payment : Listed as late for XX/XX/XXXX, which is also inaccurate, as I maintained timely payments. 
Account Description : The account is inaccurately described as closed due to Sincerely, XXXX XXXX XXXX XXXX, though I have been an active customer and regularly made payments. 
Account Status : The account status is Closed but should accurately reflect my active status as an on-time payer during the disputed period. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. All entries should be updated to accurately reflect my 100 % on-time payment history. 
I expect to receive written confirmation of these corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further actions to protect my consumer rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America referred my mortgage to a law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX with a pending mortgage modification application. 

Bank of America is also reporting a mortgage escrow shortage that doesn't exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
Product: Debt collection

I contact XXXX XXXX for this charge. They change my account number and charge for XXXX XXXX that are paying on a new account they open. 
I have a ticket number open with t mobile where are doing a investigation for this issue. 
The reference is : XXXX. 
Please contact XXXX XXXX and remove me from collection.
Product: Money transfer, virtual currency, or money service

Using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to XXXX Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster.
Product: Student loan

Im frustrated with EdFinancials refund situation. The last week of XXXX I called to get a refund on my COVID payments and they stated it would take approx 150 DAYS to process my refund. Why is it that other servicers are quoting 4-6 weeks but EdFinancial is quoting 150 days? Seems suspicious as EdFinancial has proven to be a sketchy servicer. After calling again to make sure my request was put through I was told that my refund would take a very long time to go through. After all that, the icing on the cake is that EdFinancial had a data breach compromising my personal information!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I am formally notifying your company that unless the necessary steps to address this matter are completed within 10 days, I will file a complaint with the FTC. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One charged me a {$25.00} late fee and {$7.00} in interest on XX/XX/XXXX for missing a payment, despite having been enrolled in autopay and having made successful payments for months. Upon realizing the charges, I immediately made a payment, which posted on XX/XX/XXXX, and re-enrolled in autopay. I contacted Capital One to see if they could waive the late fee, and they refused. 

This was the second time that my card, which was previously enrolled in autopay, suddenly dropped the autopay and I had to pay late fees. The first time happened in XX/XX/XXXX, although Capital One waived the fee that time. 

Given the fact that this has happened to me multiple times, I have cancelled all my credit cards with Capital One. I have never experienced a similar issue with any other credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX ( XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX and XXXX  XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 : It also states consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As I was looking over my credit report I noticed a collection from Rent Recovery Solutions for the amount of {$5500.00}. I do not know who this is nor have I ever lived at the apartments that they are representing. This is a claim made back in XXXX and I lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with my parents at that time and was also attending college.
Product: Vehicle loan or lease

I have an auto loan with Capital One. I was set up on a payment plan in XX/XX/XXXX, to catch up on two or so past due payments. I was told that my loan would become current in XX/XX/XXXX. I made all payments as scheduled. 

The most recent payment I made was on XX/XX/XXXX, of {$530.00}, for my XXXX payment due XX/XX/XXXX. Today I received an email from Capital One starting my loan is 12 days past due, with a payment due XX/XX/XXXX, of {$520.00}, along with late fees of {$130.00}. 

Capital One can not give me a satisfactory answer for why my loan is showing past due, nor for why I owe any late fees, as my last few payments have all been made on time. They have also blocked access to my online account, so I can not login to their website to view my auto loan statements. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on credit for Experian, XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX, appears on credit as XXXX XXXX XXXX XXXX XXXX incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX