23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

We settled a debt. The company gave us a letter to get it off our credit report and considered settled WITH a control number to do so. Experian keeps leaving it on. My credit will go up 23 points with this reported the right way! XXXX XXXX, which is XXXX and XXXX fixed theirs immediately. For some reason Experian will not remove and up my score!
Product: Credit reporting or other personal consumer reports

I am formally submitting a request for the removal of an inaccurate public record of a Chapter 7 bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, CREDIT PLUS add a hard inquiriy on my credit report per XXXX, XXXX  and XXXX.
Product: Checking or savings account

I woke up to my Cashapp account closed due to gambling.. I only use my account to pay my bills and receive my direct deposit from work. when i appealed with cashapp they informed me this would take 30days to resolve. I am expecting my income tax return to that account and now due to them closing it that will further my expected return date. Also this is hindering me from paying my bills that are due this week.
Product: Student loan

I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.
Product: Credit reporting or other personal consumer reports

I filed complaint # XXXX on XX/XX/2023 after I noticed accounts on my report that didn't belong to me. The complaint was closed witha comment that states the complaint is still open. This companty is attemting to extort payments from me. This company is recieving money from the furnisher for this false account being on my report. This company is defaming my character. This company is not protecting my report from inaccuracies. This company has failed at its assumed role and is in breach of contract.
Product: Credit reporting

EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Credit reporting or other personal consumer reports

Once again experian marked as duplicate Each complaint has its own merit AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was flying alone ( I'm a single mom ) with my XXXX children. During a layover in an airport, I realized I had inadvertently checked my wallet in my luggage. I had no access to money because all of my credit cards and cash were in my wallet ( checked in my luggage ). 

My children hadn't eaten and wouldn't be able to eat for many hours until we got to our final destination and I retrieved my checked luggage. As a last resort, I applied for an apple card administered through Goldman Sachs so I could use Apple Pay at a restaurant to feed my children. 

The application took no longer than 5 minutes. I never consented to online paperless statement delivery and they never verified my email address. I promptly forgot that I even opened this card and since it was not a part of my financial picture, I never thought to go looking for a statement. 

They arbitrarily ( without my consent or approval ) sent the statement to the email address associated with my XXXX XXXX. I never check this email because the only use is for XXXX XXXX login functionality. They ONLY sent statements and past due notices to this email address. They never mailed me a statement. By the time they contacted me by phone, the account was already 36 days past due at which time I paid it immediately on XX/XX/XXXX ( 6 days past the 30 day mark ). At this time, I explained that I never got any statements and asked the clerk to whom I gave payment to please not report negatively to my credit. She stated that she didn't think it would negatively impact my credit since it was only 6 days. 

Yet Goldman Sachs reported a {$14.00} past due payment to XXXX, severely compromising my otherwise perfect credit score. 

I opened a dispute with XXXX  - at the completion of which Goldman Sachs informed me that the past due was reported correctly.

I was not disputing that it was reported incorrectly but that it was reported UNFAIRLY. And that under the circumstances of me not receiving the statements or having any say in how they were delivered, they should consider the whole picture and remove the negative reporting. 

I then wrote a letter to Goldman Sachs and explained the situation again, in writing and asked them to remove the reporting. They wrote back saying that the report was issued correctly. 

I then had an attorney write a letter. To which they responded that the report was issued correctly. 

This is the first negative I've had on my credit in more than a decade. I am now having difficulty getting a mortgage because of a 6 day past 30 days late payment of {$14.00} and I have been able to get Goldman Sachs to pay attention to the circumstances. 

This is the epitome of UNFAIR credit reporting.
Product: Vehicle loan or lease

this complaint is regarding the company XXXX XXXX XXXX  on the date of XXXX. XXXX 2024 I was told to lie to Lobel Financial By XXXX XXXX he told me to falsify my deposit that but I put no money down to the loan officer over the phone I was in coerced by XXXX XXXX a non licensed car dealer selling cars under the table for this company and I was extremly scared and intimidated when I was signing papers I did not read what I was signing XXXXXXXX XXXX and another person trying to get me to repossess the vehicle. and have falsified all my name and document even as I don't have the car. XXXX  XXXX found XXXX continues to report my payments incorrectly. incorrectly. and is a negative impact on my credit report as I will submit document supporting payments for a vehicle that is not under my name at the time of the I signed and I was shown two different contracts that had two different names for this particular vehicle that I was forced to purchase because I did not know what I was doing They continued to do this to others please. This needs to stop. They have hurt several people with their deceitful car dealership and loan financial services working together to ruin my life. I will forward all this documentation as well to the XXXX XXXX XXXX XXXX. As. as well as the IRS and the local Police Department. I hope this can stop because fraud is unfair for people trying to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, XXXX and equifax ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX IS IN BREACH AND VIOLATION OF MY PRIVACY and FCRA SECTION 1681 ( C ) EQUIFAX was not able to provide a full report on how the disputed account was verify, and how Equifax is in COMPLIANCE WITH THE FRCA AND FDPA. EQUIFAX CAN NOT TRUMPLE THE LAW!

THE DISPUTED ACCOUNT SEEMS TO BE A CHARGE OFF. CHARGEOFF ACCOUNTS ARE CONSIDERED INCOME AND CAN NOT BE REPORTED ON CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and score have a major impact on my financial opportunities. Toyota Financial services reported inaccurate information to credit bureaus multiple times. TFS investigated the issues and agreed to fix the inaccurate reporting. However no compensation was issued.
Product: Mortgage

My loan was paid off XX/XX/2020. I have been in contact with the lender several times since trying to get money owed to me from escrow overage. They owe me a total of {$2600.00}. They have stated on several ocasions that they would be sending me the check. I have not recieved anything from them yet. I am just looking for help. 

company name : AmeriHome Mortgage, NMLSID XXXX
Product: Credit reporting

A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at tmobile was opened in my name. I didnt do it. I complained to XXXX..they deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my XXXX and TransUnion credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my ransUnion and XXXX. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my vantage is XXXX no accounts in collections. They got it right. Then credit karma says the other XXXX CRA TU and XXXX is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what goes to who. I think I 've attached the right documents. IT WAS DELETED BUT ITS BACK ON. checking this option wasnt available for my XXXX complaint from the pull down menu listed above )
Product: Credit reporting

Although XXXX states the debt is not mine, collection agencies are showing up on my credit report. This has been disputed and resolved with removal from credit reports, two years ago. Now it 's a different collection agency, disputes were filed again, XXXX has dropped it, but Experian claims it was investigated and the debt belongs to me. Experience DID NOT do any investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk, they did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly, otherwise DELETE this from my report. 

Bankruptcy XXXX XXXX XX/XX/2016 XXXX-Discharged
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.
Product: Credit reporting or other personal consumer reports

I received a credit alert from XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Midday between XXXX ) stating that a Hard Credit Pull was initiated by BMO Bank N.A XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX. I attempted to contact the bank to find out why the hard pull happened and was sent to a XXXX requesting an account # ( I don't have an account number because I do not have any association with BMO Bank N.A . ) without any further help.
Product: Checking or savings account

XX/XX/23 {$24.00} XX/XX/23 {$6.00} I was charged Overdraft fees twice.
Product: Debt collection

1. Zwicker & Associates sued me in the wrong jurisdiction and in a state that I was not living in at the time. Please see attached. 

2. Zwicker & Associates received a judgement against me, applied for and received an Appointment of XXXX XXXX on XX/XX/XXXX. I secured counsel on XX/XX/XXXX to represent me in this case. Multiple attempts have been made since XXXX to contact this law firm with no response. Emails have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 an account without my written instructions.
Product: Debt collection

XXXX Consumer Portfolio Services has called my place of work several times a day, several days in a row. He interrogates my support staff of my whereabouts when they tell him I am not available and even asked them for my cell phone number, which they already have. He even yelled at XXXX my receptionists, when she told him I was not in. This afternoon, after being told I was in a meeting with a XXXX, he strongly insisted to speak with me. I excused myself for a moment to let XXXX XXXX know I was in a meeting with a XXXX ; and he was rude and yelling at me. He tried to speak over me as I was telling him that I was not going to have a conversation with him at that time. He began talking over me again by stating that the call is being recorded. I said, ok, the call is being recorded, he stated yes can you verify your last XXXX digits of your social security, I said I do not wish to have you call my job, at which time I hung up. This representative has been leaving very cryptic messages with my staff, intimidating my staff to the point where they interrupted my during a meeting. As I see it, they are in violation of the Fair debt collection act because he calls my place of work at least XXXX times per day. There was a time he called and left no information, just said he would call back in the afternoon. He intimidated my office staff to get me on the phone.
Product: Student loan

The following payment counts are not showing ( eligible or not eligible ) towards PSLF. 
I have submitted loan PSLF reconsideration request twice with no response. The months below are qualifying months that are not counted some of which fall during COVID forbearance. 

The months missing are : XX/XX/XXXX - XX/XX/XXXX ( 22 months ) XX/XX/XXXX ( 1 month ) Total of 23 qualifying months
Product: Credit reporting or other personal consumer reports

I received my XXXXXXXX XXXX  credit card statement, it read {$390.00} balance. So I made a {$150.00} ; payment, because I had damage to my home because of the XXXX XXXX on XX/XX/XXXX. I couldn't pay the minimum payment of XXXX. The charged me XXXX fees. There business practice are not right. They are not considering any assistance for my hardship. They continue to impose very high fees. Please help me to review there business practices to the consumer.
Product: Checking or savings account

I can not link my PNC account with the App XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank authorization of large amounts with no funds avaible and no debit card in hand from previous fraud documented and card was not even actives by me Wire transfer done under my name and account did not get refunded Checks were aroows by text check and somehow someone else cash a check and it goes through that was for lawn care not in my handwritten and signature off way off. 
XXXX credit card fraud and no physical card in hand and notified this problem serveral times in the last 2 mo cashing out more than my avaible alloted cash allowance to persons commuting fraud XXXX has my accounts load up to system before o even get in hand and fraud being done Victim XXXX XXXX accused of fraud all pmts I made legit to him. 
Account in XXXX XXXX card ended in XXXX not mine Thank you for you time XXXX XXXX Former XXXX  XXXX and XXXX  XXXX unique identification number documented XXXX XXXX XXXX XXXX Louisiana Last $ $ n XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Experian : XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

In XXXXXXXX XXXX XXXX, my wallet and my phone was stolen I had over XXXX gone from my account because of that and I dispute with chime in XXXX XXXX XXXX to get my money back and and they refused to give my money back for this I sent polices reports and prove my location and did 6 rebuttals with them and keep refusing and saying they dont see an error when I show them everything including writing them note tell them about the situation
Product: Mortgage

After 4 days, multiple calls, hanging on hold for over 59 minutes to one hour, texting, and having a third party verification ( XXXX ) they DID NOT RESPOND! ALL THE WHILE EXPERIENCING GEAVT CALL VOLUME REGARDLESS OF DATE OR TIME. THIS CRITICALLY IMPACTING MY REFINANCE. EVEN REACHING OUT TO THEIR MTG DEPARTMENT FAILED.
Product: Debt collection

XXXX from XXXX Submitted insurance statement only owing XXXX. Requested to pay only what was owed. Repeadly told by collection agency I owed XXXX. Had insurance call them and submitted my eob they still continue to try to collect. Collection agency used verbal aggressiveness. Collection agency refused to provide medical debt verification. Collection agency said if I wanted information I needed to contact the hospital. Collection agency threatened to notify my employer of debt.