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

In accordance with the Fair Credit Act XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : 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

On XXXX Experian sent my results from a dispute of a bankruptcy stating that the company " XXXX XXXX XXXX AR XXXX XXXX '' verified that the information is accurate and that this item will not be changed as a result of their processing. 
View Experian statement in the attachments I have an attachment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX stating that thXXXX XXXX XXXX XXXXXXXX does not provide information to any credit reporting agency. Experian is falsifying documents and hurting my ability to obtain credit. PLEASE REMOVE IMMEDIATELY
Product: Checking or savings account

My college daughter made purchases and overdrafted her account by {$1.00}. We had previously been told they had a {$5.00} threshold for overdraft fees. They then charged 4 overdraft {$36.00} overdraft fees. When we called they said the fees are assessed on available balance. We did not know this and had been banking here for years. We were also told that since she was opted into overdraft coverage she gets charged for each item that hits the account that day. We explained we knew nothing of any of this. We previously kept high balances in our accounts. We recently had a sudden death in the family and depleted our balances. In the past we could call and ask for an explanation of charges no one ever even took the time to explain it they just refunded the fees. Now they we are in a lower balance situation we get a full explanation with no refund. Im concerned this is discrimination
Product: Credit card

I pay my total due for {$33.00} to Comenity Capital Bank ( Sephora credit card ) the due date was XX/XX/year>2024 and I transfer this total amount {$33.00}. Today I have a balance for {$64.00}!? I called to the bank and asked why? They told me I did the transfer after XXXX XXXX  pacific time and thats why they charging g the {$64.00} dlls fee, mo solution, nothing to do about it, just pay this fee. This is a fraud!! How can law permit this charges!! I dispute this charges and demand a resolution!!!
Product: Student loan

Requested refund for payments made during pandemic. Was told refund would be posted. Refund has not been posted
Product: Credit reporting or other personal consumer reports

The end of XXXX  I file a complaint against this same company reporting falsely and inaccurate information to my credit report as I look to my report I still find inaccurate information on my report XXXX of XXXX  I came to in agreement with this financial company. Company close this account and we t me an confirm email of the account being closed as of XXXX XXXX XXXX and XXXX of XXXX one of the three biggest credit reporting companies have still been reporting that payments have been being made the dates of last reporting are wrong in all three credit agency all this inaccurate information has left me in bad terms with other lenders this has been hurting my way of life and demand that this negative item be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letter last XX/XX/XXXX, Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

My account # with MOHELA is XXXX. My school loans were paid off in XXXX of 2023. MOHELA has not sent an account status to the credit bureau in years in spite contacting them numerous times and filing multiple complaints. I need them to report my status to credit bureau that my loans have been paid in full. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what these accounts are
Product: Credit card

XXXX i receive an email from citibank regarding my XXXX credit card. It was an offer to request a credit increase and it clearly stated that there would be NO Credit bureau inquiry made. I clicked on the link in the email and entered the requested information. a couple of days later I received an alert from my credit bureau monitoring service that a hard inquiry was done. Upon looking at the report it showed Citibank credit cards making a hard credit inquiry, which was completely opposite of what their email stated. I called citi and they confimred that the email stated there would be no creidt inquiry done however they said that the request was made on a different citibank credit card which is why the hard inquiry was made. I explained to the rep I clicked on the link they provided and if was for a different account of mine it was not my issue but theirs and they need to remove the inquiry. They told me to send a letter to their credit dispute department explaining it. I sent the letter after waiting more than a month I received a blunt statement stating the it was a valid credit request and they will not remove the inquiry from my credit bureau. Citi performed bait and switch by offering a no inquiry credit request and then doing a hard inquiry which has negatively affected my credit score. I asked to remove it and received a generic letter stating they would not with no number to contact the department that sent the letter when i called the main customer service number they said that department dosent talk to customers and there was nothing else they can do. 
This has negatively affected my credit score and will remain on my credit report for 2 years because citi 's False advertising. and then their lack of fixing their error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become an new member of a credit membership and have come to find I have unauthorized inquiry on my consumer report. I've contacted the credit bureau to dispute these inquiries immediately i was told to file a ( CFPB ) report and retrieve a cover letter. these actions were taking on XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX 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 XXXX : 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 XXXX 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 or other personal consumer reports

This morning, I came across unauthorized inquiries on my credit report, which I can not explain. While checking my credit report as I normally do, these discrepancies seemed to appear out of nowhere. I tried refreshing the browser, thinking it might be a glitch, but it wasnt. The problem persisted, and I am extremely frustrated. I urge you to carefully review the documents Ive submitted so I can put this issue behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX I have always made my payments on time. For some reason, I realized that there were XXXX, XXXX, and 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted Transunion multiple times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30, 60, and 90 days late since it's a closed account & Ive never been late. Please investigate this matter & update accordingly. 

XXXX XXXX XXXX / XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not authorized this hard inquiry, this is a result of identity theft, the hard inquiry is XXXX XXXX XXXX XX/XX/
Product: Vehicle loan or lease

I purchased a vehicle at US Auto sales in XXXX of XXXX. I was desperate the engine in my vehicle at the time decided it needed to be replaced. I did not have that kind of money. So I went to US Auto sales. I chose a vehicle that turned out to be the price of a new one with 14 % interest. The vehicle had to be taken back the very next day because it had major engine problems, the check engine light came on shortly after I left the lot. They wouldn't let me out of the loan but I could exchange it for another car on the lot. I test drove one and on the test drive the check engine light came on. I drove another one that ended up needing new tires and brakes. The suspension is shot as well. Now the first car I drove off the lot in with engine issues I verified at a mechanic shop estimated cost of work XXXX, was back on there website for sale the same day. My guess they were disconnecting the battery to clear out the light. Now apparently US Auto sales up and went out of business. I make payments every two weeks so I pay like XXXX a month. I made a payment as I always do and went to make the next one and am redirected to a different companies website. The company is Westlake portfolio management and they are debt collectors. I was not notified of the change nor have I received a copy of the loan agreement with this company that I have read is different. I owe XXXX on a XXXX XXXX XXXX with XXXX miles. This car won't last much longer and I don't know what to do when it dies and I need a car. I have a better paying job and am trying to get back on my feet. I just don't know what to do. I live in XXXX SC. I just feel taken advantage of and swindled with no recourse. I don't want to file bankruptcy because of predatory business models
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute for a {XXXX} medical debt through XXXX. The collection agency was mid america accounts control bureau and the original creditor was XXXX XXXX.. the original assignment date was XX/XX/XXXX with original date of last delinquency XX/XX/XXXX. On XX/XX/XXXX the dispute was complete and came back verified as mine and other information added to my report. I got an alert from my credit service that a collection account had been removed from my report and a new one added on XX/XX/XXXX. It is the exact same account with the exception that they changed the assignment date to my dispute date so it shows as a new account on my report. On XX/XX/XXXX I disputed again and the next day I called XXXX and given the original creditor number. I called XXXX and finally confirmed what is one. I did have insurance but for unknown reasons it was not paid. I spoke with XXXX XXXX. And she said if I paid in full it would come off my report. I paid in full immediately and she confirmed mid america would remove off report. I then emailed mid america advising I paid in full and could you please remove account from report. The next day I received response stating she would need receipt of payment, how paid and when paid first. I sent my confirmation number along with receipt. And I also called XXXX again to confirm that they had indeed sent the information to mid america. They confirmed. I immediately emailed mid america of this and they provided my account number and it does indeed show paid in full.. I Emailed the vice president of the situation as it's still on my report with new open date, unpaid. My response from him was please don't use this email!. This should not be on my report. It looks like new collection account and it has ruined my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and I have no knowledge of how this fraudulent activity happens. I also have no one to suspect. These accounts or inquiries reporting on my personal report have no consent or permission to be pulled. Moreover, I have not received any forms of goods, services, or money due to the theft. I would be glad to assist you if you have anything you need to support this fraudulent action. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern : I would like to sent this complaint to inform you that the following inquiries were not authorized by me. Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents XXXX XXXX, XXXX. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.
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. Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account name : 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 an 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 ( AX ( 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. If you can not provide documentation, you must remove these from my credit report, thank you Sincerely Yours
Product: Debt collection

I did not recieve 30 day notice to dispute the debt and the balance date of the debt is stated XXXX 2001. That makes the debt 15 years old so should have never been put on my credit report. Since I never received a disclosure I ca n't figure out what they claim the debt is for.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX U.S. Code XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I responded ( via phone ) to an offer received by mail from Auto Approve to refinance my car loan. The representative I spoke with on the phone collected personal/financial information from me to create an account. Before providing my social security number, I asked if there was going to be a hard inquiry on my credit report and was told not at this time. We kept going through the process and then came to a point where a hard inquiry was needed in order to proceed. I declined to proceed, and when asked why, I stated that I did not want a hard inquiry added to my credit report at this time. I thanked the representative for her time and the call ended. 

Minutes after the call ended, I received notifications from XXXX and XXXX XXXX alerting me to the fact that a hard inquiry from Auto Approve hit my credit report. I called Auto Approve back immediately and the new representative looking at my account read the notes the last representative made, most notably " client declines to proceed with hard credit inquiry. '' This representative said that the last representative definitely did not follow procedure and that an inquiry should never have been made. I requested that the inquiry be removed from my credit report but the representative on the phone said they weren't able to but a manger would be able to assist. I was also told that a manager could not be conferenced in to the line and that I could not be transferred to a manager but one would call me back if I provided my call back information. I provided that information but did not hear back that day. I called back the next day and explained what occurred again and received another apology/promise that a manager would call me back, but did not receive a call. I then called the next three days and was told the same thing. A manager never called me back. 

I would like this remedied by the hard inquiry being removed from my credit report. This inquiry resulted in a credit downgrade from " XXXX '' to " XXXX, '' which significantly affected an event in my life. Attached below is the initial ( and only ) written correspondence from Auto Approve.