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

I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and sexist practices?
Product: Debt collection

Vehicle was damaged the insurance company paid the vehicle out .... Ally financial is saying they didn't receive the payment. 3 years later they attached to my credit report as a charge off bringing my credit score down
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the XXXX  data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.
Product: Credit reporting or other personal consumer reports

I applied for a pre approval with pentagon federal cu and I was told that it is only a soft pull. I got denied for the pre approval and then a hard pull was then put on my XXXX account. I submitted a ticket with penfed, as instructed to get it resolved, and they told me it looks like a credit application was applied for because I received a counter offer, which I did not receive a counter offer from them. Their ticket was submitted as they did nothing wrong and I followed up telling them my issue. They said I accepted the counter offer, which I did not and I told them something similar has happened before. They did not care to resolve my issue and told me to go to XXXX and report it, which I did. XXXX told me I have to go to Pentagon federal and resolve it with them and then I explained my situation, then equines referred me to here. The issue is pentagon federal cu ui is buggy and they are putting the blame on me as if I wanted to go through with a hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX INDEITITY THEFT AND XXXX XXXX  WAS FILED
Product: Credit reporting

I have attached more details of my complaint. However, just to clarify, this complaint is about both Transunion and XXXX XXXX XXXX. I am disputing both the account on my report and the bankruptcy statement on my report. However, my main concern for my complaint today, is removing the bankruptcy statement. I have already requested proof of contract bearing my signature from XXXX XXXX three times, and Transunion, I am waiting on a response, from my last letter sent.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a violation of the Fair Credit Reporting Act ( FCRA ), you can use the following format. Be sure to customize it with your personal details and any specific information pertinent to your case : -- - **Subject : Complaint Against TransUnion for FCRA Violations** **To : Consumer Financial Protection Bureau** **Regarding : TransUnion FCRA Violation** Dear CFPB, I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning my inability to dispute inaccuracies in my credit file online, as well as unauthorized hard inquiries. 

**Issues with Dispute Process : ** I have attempted to dispute inaccuracies found on my credit report with TransUnion through their online platform. However, the system has consistently failed to enable me to initiate or complete these disputes. This hinders my right under the FCRA to dispute inaccurate or incomplete information freely and fairly. 

**Unauthorized Hard Inquiries : ** Upon reviewing my credit report, I discovered hard inquiries from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never authorized these entities to access my credit file, nor do I hold any accounts or products with these institutions that would justify such inquiries. This raises concerns over potential identity theft or unauthorized access to my financial information. 

The presence of multiple unauthorized hard inquiries has adversely affected my credit score and, subsequently, my ability to obtain credit on favorable terms. I believe this to be a violation of the FCRA, which mandates consumer consent for credit inquiries.

**Relief Sought : ** 1. Facilitation of a comprehensive review and correction process for my credit report. 
2. Removal of the unauthorized hard inquiries from my credit report.

3. Assurance that my current and future rights under the FCRA to dispute credit report inaccuracies are honored.

Given these violations, I ask the CFPB to conduct a thorough investigation into TransUnion 's practices concerning my case. I trust that your office will take the necessary steps to ensure compliance with FCRA regulations. 

Thank you for your attention to this matter. Please feel free to contact me for further information or clarification. 

Sincerely, [ XXXX XXXX ] [ Your Contact Information : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX ] -- -
Product: Credit card or prepaid card

Comenity Captial Bank close my Grandlinroad account without any notification. I was never late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent car loan opened in my name from XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I invested money with XXXX XXXX XXXX. They have since ceased all business saying they can no longer pay anyone back their investments. They said all money was guaranteed safe and secure no matter what happened to the market. I have since found out they invested, lent and outright stole the money that was entrusted to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
Product: Debt collection

Subject : Complaint against XXXX for repeated refusal to honor a cancellation request Dear Sir/Madam, I am writing to file a formal complaint against XXXX regarding their consistent refusal to honor my request to cancel services since 2019. Despite numerous attempts to terminate the agreement and cease their services, I have encountered significant obstacles and experienced undue hardship in dealing with their customer service representatives. 

To provide some context, I initially engaged XXXX XXXX services in [ year ] for [ reason ]. Unfortunately, due to a change in circumstances, I found it necessary to cancel their services and discontinue my association with the company. On [ date ], I first submitted a formal cancellation request to XXXX, clearly expressing my desire to terminate the agreement. 

Since that time, I have made multiple subsequent attempts to cancel my services with XXXX through various channels, including phone calls, emails, and online support. However, each time, I have been met with resistance, misinformation, and a complete lack of cooperation on their part. 

I have been subjected to long waiting times, unhelpful customer service representatives, and a disregard for my repeated requests to cancel the services. Despite providing all the necessary information and documentation, XXXX has failed to take any action in response to my cancellation requests. 

Furthermore, I have received multiple billing statements and invoices from XXXX for services that I explicitly requested to be terminated. These continued charges are not only frustrating but also represent a clear violation of my rights as a consumer. 

I would like to emphasize that I have made every effort to resolve this matter directly with XXXX, but their ongoing refusal to address my concerns has left me with no choice but to seek assistance from the Consumer Financial Protection Bureau. It is my hope that your intervention can help rectify this situation and ensure that XXXX upholds their obligations under consumer protection laws. 

In light of the aforementioned circumstances, I kindly request the following actions from the Consumer Financial Protection Bureau : 1. Investigate the repeated refusal of XXXX to honor my cancellation requests. 
2. Require XXXX to promptly terminate the services in question and cease any further charges. 
3. Impose appropriate penalties and sanctions on XXXX for their non-compliance with consumer protection laws. 
4. Provide me with guidance on how to proceed further and protect my rights as a consumer. 

I have enclosed copies of all relevant documentation, including my cancellation requests, correspondence with XXXX, and billing statements, as evidence to support my complaint. 

I appreciate your attention to this matter and I trust that the Consumer Financial Protection Bureau will take appropriate action to address this ongoing issue. I look forward to a timely resolution and a favorable outcome. 

Thank you for your assistance in this regard. 

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

In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX XXXX in XXXX XXXX   with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Credit reporting or other personal consumer reports

I am reporting that I am a victim of identity theft. I first became aware of the theft XX/XX/scrub> 2024 when I noticed information on my credit report that does not belong to me. An individual fraudulently used my personal information to open accounts and leases without my consent. 

Since discovering the theft, I have taken the following actions : contacted the affected financial institutions, placed a fraud alert and credit freeze, filed a police report, and reported the incident to the FTC. Despite my efforts, I am still dealing with credit damage and fraudulent debts. 

I request assistance in resolving this issue and preventing further harm to my identity and finances. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT AND THIS IS BEING REPORTED ON MY CREDIT, IT NEEDS TO BE REMOVED, THEY ARE RUINING MY CREDIT OVER SOMEONE ELSES CARD XXXX XXXX XXXX Account number XXXX Amount past due {$480.00} Status Late 120 Days Type Miscellaneous Banks Creditor Address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX
Product: Money transfer, virtual currency, or money service

International remittance was sent via Western Union and XXXX payment services by perpetrators whom had access to personally identifiable information transmitted through electronic means for the purpose of extortion of monies during the covid pandemic. The transaction numbers provided in addition to the phone numbers in question from non-domestic numbers are questionable and require further remediation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rogue XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following items on my credit report, as I believe they are the result of identity theft XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX XXXX XXXXXXXX, TX, and I reported this issue to Equifax at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are being violated by Experian and because of it my credit has been destroyed. I have 5 accounts being reported that should not be. One reason is because Experian deleted it previously already and it is illegal for them to put deleted accounts back. Another reason is because the credit bureaus are supposed to report accuracy which means each bureau should have the same information across-the-board. Experian is the only bureau reporting these accounts at all. Experian is violating the FRCA 1681 ( a ) accuracy and fairness and have not done an investigation according to FCRA ( a ) 2 ( e ).
Product: Credit card or prepaid card

XX/XX/XXXX two times XXXX charged XXXX  ) ) XXXX and XXXX. Called to dispute and XXXX was credited. I need the XXXX also. XX/XX/XXXX XXXX refunded XXXX but isnt on my account yet. XX/XX/XXXX XXXX XXXX refunded XXXX and that has yet to be in my account. How can yoir bank hold my refunded money for 7 days? Thats absurd, my government taxes were put on this card and it doesnt sit well that my money is being held by your bank and then customer service had an attitude and asks for my personal info 20 times when you speak to them. I want my money in my account thats not asking for to much i hope.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against LexisNexis Risk Solutions concerning the inaccurate reporting of a bankruptcy on my credit report. This erroneous information has significantly impacted my creditworthiness and has caused considerable distress and inconvenience. 

I recently obtained my credit report from LexisNexis Risk Solutions, which erroneously included a U.S. Bankruptcy Court item. As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if a credit reporting agency can not validate the information with the original creditor, they must remove said information from the consumer credit file. 

In correspondence with the U.S. Bankruptcy Court, I have been informed that they do not provide information to credit reporting agencies, nor do they validate or confirm public records. The court emphasized that they are not responsible for the collection, validation, or dissemination of public record information by third-party providers like LexisNexis. 

Despite this, LexisNexis has not verified this public record entry on my credit report. The Bankruptcy Court has confirmed that LexisNexis has never validated or verified this public record, and they do not provide any information for credit reporting purposes. As such, the inclusion of this erroneous information on my credit report constitutes a violation of the FCRA. 

I have formally requested that LexisNexis provide me with copies of all documentation associated with this public record, including any court orders or authorizations bearing my signature. I have also demanded the immediate removal of this incorrect public record information from my credit report. To date, LexisNexis has not complied with my request. 

Given the apparent violation of the FCRA and the severe impact this inaccurate information has had on my credit report, I am seeking the intervention of the Consumer Financial Protection Bureau to resolve this issue. I request the CFPB to : 1. Investigate LexisNexis Risk Solutions ' practices in handling and verifying public record information. 

2. Ensure the immediate deletion of the incorrect bankruptcy information from my credit report. 

3. Implement measures to prevent such inaccuracies in the future. 

I have enclosed copies of my correspondence with LexisNexis Risk Solutions and the U.S. Bankruptcy Court for your review. I trust that the CFPB will take appropriate action to address this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit and I seen that I have a few inquiries from American Express that I didn't give consent to.
Product: Credit card

Please review my XXXX complaint with QVC, Synchrony. After that they sent a bill and I paid the total balance due og XXXX Then I got XXXX XXXX balance statement finally. Now suddenly they are billing me again XXXX and I have not purchased anything from them since last year. I am attaching my statements. This is ridiculous. This is some scam. My sis said same thing she suddenly gets this bill for XXXX after months of nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.