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

this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


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 XXXXXX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX
Product: Payday loan, title loan, or personal loan

Received a letter in the mail. Told me my effective credit card debt and effective interest rate ( relatively accurate ). I went to their website, put in the

Eligibility ID #, and filled out my info. The next date, one of their " agents '' called from an " Unknown Caller '' number to my cell phone. He asked me more questions, some of which were unusual -- how much did I owe on my mortgage ; what was the estimated value of my home ; who was my employer -- things I am not usually asked for a personal, unsecured loan. He said he needed " 30 minutes to speak with his underwriter '' and then get back to me. I told him I would be in meetings until noon or later.

We spoke that afternoon. He said because my " credit utilization ratio was 85 %, they could not approve my loan '' ( the mailer offered me $ XXXX at 5.49 %, with no disclaimer about being for highest credit ratings, etc ). I laughed because I knew this guy was lying ; I had just looked at my credit report ( my bank, XXXX, provides it for me ) and my utilization ratio is right at 50 %. I asked him how he was calculating it, he listed off ALL my debts ( minus the mortgage ), not just revolving debt. When I said, " that's not how you calculate credit utilizaiton ratio, '' he snarked back " well, we can argue all day about the definition of this but you don't qualify. '' He then said his company usually would want to help me instead and " restructure my debt. '' When I asked what that meant, he said that usually they would offer to get me out of debt but " first you have to stop paying all your bills. '' I told him no thanks.

Also, He said I would need to have ALL debt utilization under 35 % to qualify for that loan ... .. but question, WHY would I need a personal loan to restructure {$45000.00} of credit card debt ( which is what their initial offer was ) if my total debt utilization is under 35 %??? Literally their own " requirements '' make zero sense, especially since they ( at least claim to ) define credit utilization as [ current mortgage debt ] / [ maximum non-mortgage account values ]. That to me smells like a company funneling you into a different product, aka, " stop paying your bills. '' I am reporting this company to the CFPB due to the concern that this was actually just predatory lending and/or a false front to actually attempt to " restructure debt, '' aka con people into letting them present them in debt settlement ( and I don't even know if they are licensed to do so ). At the absolute, it was a heinous use of the " bait & switch. '' Offering someone an unsecured loan and then telling them then need to stop paying their bills is just reprehensible, in my opinion. People need to be protected from companies like this. 

I'm guessing when he heard I was XXXX XXXX, he backed off since he knew he would be in big XXXX trouble had he gone through with predatory lending with someone in the armed forces. 

I attached the actual letter I received from the company
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including the license number that gives you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also, read the attached letter and review all of the violations by your company
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of ED/GSL/ATL XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX. XX/XX/XXXX. account # XXXX 3.XXXX XXXX XX/XX/XXXX. account # XXXX 4.XXXX  XXXX XXXX XX/XX/XXXX acct XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an incorrect last payment date on my XXXX account that was opened on XX/XX/2023. The reported date does not align with the actual payment history for this account. This inaccurate information is negatively impacting my credit report and score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. I am requesting that Equifax investigate and correct the reported last payment date on this account to reflect the accurate payment history. If Equifax can not correct this date please remove the account.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 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

This complain is against TransUnion LLC. TransUnion are reporting several incorrect and misleading information on my credit report. I wrote them many times over several months and they refused to do anything about it. The way late payments are reporting makes absolutely no sense. ( XXXX XXXX  XXXX ) Complain # XXXX XX/XX/2019 to XX/XX/2019 it was report as unkonwn, that means they put an X for XX/XX/2019 and XX/XX/2019. But, in XX/XX/2019 it said I was 30 days late, XX/XX/2019 it said I was 30 days late, XX/XX/2019 it said I was 60 days late and in XX/XX/2019 it said I was 90 days late. According to TransUnion reporting, According to TransUnion I was late 210 day within 4 months. As we all know, that is mathematically impossible. 

Complain # XXXX XX/XX/2019 to XX/XX/2019 they report current but in XX/XX/2019 they report 120 days late. How can I be 120 days late in XXXX when I am current 3 months prior? All these reporting makes no sense what-so-ever. This is affecting my life in a negative way. I have problems sleeping, its hard for me to function in my daily life I am getting XXXX XXXX I am a XXXX Veteran and I can't apply for certain jobs because of all this. I need TransUnion to delete all these incorrect and misleading reporting on my credit report so I can move on with my life.
Product: Debt collection

I have had medical issues that have caused me to be unable to pay credit card debt. Today I received an email which threatens to arrest me for my debt.
Product: Credit reporting or other personal consumer reports

I have mailed Experian a Dispute letter dated the XX/XX/XXXX explaining the inaccuracies in my consumer report ( a copy is uploaded ). Experian sent an email saying that they will not initiate disputes based on suspicious correspondence ( see email that is uploaded ). My question is how can they see my dispute letter as suspicious but they do not have any investigation reports detailing all of the inaccuracies in my consumer report that I never gave permissible purpose for in the first place? 

1 ) The Fair Credit Reporting Act says that consumer reporting agencies such as Experian have a duty to adopt reasonable procedures for meeting the needs for consumer credit in a manner which it is fair and equitable to me as a consumer. 

2 ) The Fair Credit Reporting Act also state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. 

Experian needs to exercise their duties to remove all inaccuracies which has been ruining my reputation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX  XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my XXXX where XXXX has neither corrected nor removed or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. Neither did XXXX and Equifax. 

I disputed items that was incorrect, and they were not removed.
Product: Payday loan

Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




STATE OF XXXX XXXXXXXX AS # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.

This is a legitimate inquiry of information and declaring.
Product: Checking or savings account

I had received EIP payment 3 from the IRS via check so I decided to walk into a chase bank branch to get that deposited. When I got to the bank, a guy named XXXX asked if I needed help and I told him that I need help depositing a check into my account. When he saw the check, he mentioned that he could stamp this check at the back and I could then deposit it at the atm machine inside the branch and I wasn't comfortable about it and asked him to do it a teller window but he refused so I thought it should be ok since he is confident about what he is instructing me to do. I deposited that into the atm and 2 hours later I got a email saying that the check was rejected due to invalid endorsement so I called the bank manager next day - XXXX XXXX, the most ridiculous guys I have ever talked to. He works at the XXXX branch in MA. He said it was XXXX 's mistake that he stamped at the back and asked you to deposit the check at the machine when he was supposed to do it at the teller window as thats the protocol when it is stamped at the back. This manager guy told me this in a way that he wasn't even ashamed of what happened. I have to suffer for a mistake their employee committed which is so so ridiculous and that guy XXXX hung up on me. 

I need two things here - I need my check back asap and i Need strict actions taken against this Manager XXXX XXXX. 

If not, I am going to make this viral all over the internet on social media, XXXX, XXXX etc and call out chase bank and this manager. When I told him this, he said I could do what i wanted and he doesnt care. I cant believe chase has such people as managers. I need the district manager or someone above him to call me too. I had called XXXX who is apparently the district manager and left him 2 voicemails but he never got back to me.
Product: Credit reporting

The credit bureau Transunion is reporting an account on my credit that is not mine XXXX and have been for a couple of years.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Prestige Financial Services Inc. regarding the illegal repossession of my XXXX XXXX XXXX, which occurred on XX/XX/XXXX. I believe that Prestige Financial Services Inc. violated the terms outlined in my consumer credit contract, as well as federal regulations, specifically 16 CFR 433.2 ( b ) and the Federal Trade Commission Holder in Due Course Rule. Presige was sent certified corespondence by mail detailing the violations and asking them to provide specific information as well as cease and desist. Prestige instead ignored the written corespondence in its totality, then proceeded to knowingly and willingly continue to violate by participating in the unauthorized sharing of fraudulent information with third party credit reporting agencies. 
Violation of 16 CFR 433.2 ( b ) : According to 16 CFR 433.2 ( b ), " The creditor shall not engage in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. '' I believe Prestige Financial Services Inc. violated this regulation by utilizing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle without proper authorization.

Violation of Federal Trade Commission Holder in Due Course Rule : As a holder in due course, Prestige Financial Services Inc. is required to adhere to the Federal Trade Commission Holder in Due Course Rule. This rule stipulates that a holder in due course must ensure that all aspects of the repossession process are conducted in a legal and compliant manner. By employing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle, Prestige Financial Services Inc. has failed to fulfill its obligations under this rule. 
Incident Description : On XX/XX/XXXX, my vehicle was unlawfully repossessed by XXXX XXXX on behalf of Prestige Financial Services Inc. Neither XXXX XXXX nor Prestige Financial Services Inc. had obtained proper authorization or provided me with a notice of intent to repossess as required by law. The repossession took place without any prior communication or warning, and it was conducted in a manner that caused unnecessary distress and inconvenience.