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

This is my 6th attempt to get this matter resolved but then again you're still ignoring myrequest. Upon reviewing my updates, incorrect information is being reported to mypersonal credit file. The Transunion Credit Reporting Agency has not complied with theFairCredit Reporting Act, 15 USC Section 1681i, and continues to report unverifiedinformation without providing any proof required by law. Transunion has failed in properlyidentifying and providing within the necessary time allowed by law any verifiable proof. Theinformation is inaccurate & I never authorized my credit to be accessed. They have failed toprovide me with the written authorization or remove this inquiry from my credit file. I needthe inquiry to be deleted right away. 

XXXX XXXX XXXX Date XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to Equifax and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, How are you? 
On XX/XX/20 I received an alert that a compony STERLING JEWELERS/XXXX  pulled my credit in which it was not authorized by me. I received a call from one of the representative from STERLING JEWELERS/XXXX  due to having a fraud alert on my credit to verify that I had authorize it and I notify the representative that it was not authorize by me that it needed to be removed from my credit. The representative assure me that it would be taken cared of and until today XX/XX/20 its still showing up on my credit report as a hard inquiry. The company failed to removed the inquiry even after it was confirmed with me over the phone that it was not authorized by me. I need to company to delete this from my credit report from both XXXX  and XXXX  or prove that this account was authorized by me with verification of authorization.
Product: Debt collection

The first week of XXXX I called XXXX about the collection because the final payment was submitted on XX/XX/XXXX. They gave me the number for credit control. I called credit control spoke with XXXX, he said he had no information and that the debt showed unpaid. I provided the confirmation number sent by reliant showing the payment was confirmed. He said wait a couple weeks and call back. I waited called back and the representative I spoke with in XXXX said she couldnt find my name or any account. I called back the next day same thing. They said they couldnt help me. I called back third week of XXXX they located my account but told me there was still a debt showing and they had no other information to give me. They dont know why its still on there and told me to call reliant. I informed the rep that reliant referred me to them for more info. She said she didnt know why or when it would change. There were several times I called and no one answered all week. It went to voicemail I left messages with my number and information. No one returned my call. They did not attempt to reach out to me once.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time, as evidenced by bank statements and payment confirmation receipts that show my payment was processed and sent well before the due date. 
Despite providing these documents, the late payment was inaccurately recorded on my credit report by all three agencies ( XXXX, Experian, and XXXX ). 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I sent a letter of on XXXX XXXX to remove personal information/incorrect spelled names,0ld address that i did not want on my consumer report according the fair credit reporting act 15 U.S.C.1681 I have the right to privacy, 15 U.S.C 1681b ( a ) ( 2 ) also it states a consumer reporting agency can not furnish a account without my written instructions. Also according to 15 U.S.C.6802 no financial institutions are not suppose to share my information to third party people. There is a clear violation of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report in which I didnt authorize and is in violation of my civil rights please remove. 


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 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 have tried disputing this account through all credit reporting agencies. After the dispute was submitted, the account is now being reported twice using 2 different dates. This appears to be in retaliation of the dispute. This debt is not mine. I have filed an identity theft report with the FTC. This record needs to be removed as it is not mine.
Product: Credit card or prepaid card

This account was taken over by XXXX XXXX as of XX/XX/XXXX. Capital One no longer owns this debt. As of XX/XX/XXXX this debt was paid in full and per XXXX XXXX, removed off my credit report. However Capital One is still reporting to all 3 credit reporting agencies that I owe on this debt. I need to have this removed ASAP Original letter stating they took over the debt as well as the letter  stating {$0.00} balance is attached below Thank you
Product: Credit reporting or other personal consumer reports

I am wanting to sue foursight capital for statuatory damages. They already closed the account therefore they have already charged off the account yet they are still coming after me for the account balance. If the account is closed then they need to remove it from my credit report. Furthermore, Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes. I never agreed to these credit agencies reporting my credit!
Product: Credit reporting or other personal consumer reports

Experian has failed to meet 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. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic failures, including not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. My experience aligns with these allegations. Despite the evidence I provided, Experian has neither corrected nor removed the disputed items, which continues to harm my credit standing. I am requesting immediate corrective action to amend or remove these accounts, as Experians inaction violates federal law and infringes on my rights as a consumer.
Product: Credit card or prepaid card

REFERENCE APPLE CREDIT CARD GOLDMAN SACHS SS # XXXX On XX/XX/XXXX I disputed a charge of {$52.00} from XXXX XXXX We never received the goods so we disputed like any other consumer would. It has been over 45 days and still no feedback. Apple credit card has suspended 2x cards for no reason and can not tell me why, they can give me a credit card increase limit with my perfect credit score of XXXX. Apple makes no sense. I need my {$52.00} back to my card that I do not owe. As well stop suspended my credit cards for no legitimate reasons. 

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

The information contained in my credit file for XXXX is incorrect. The account number being reported in my file for a XXXX account is incorrect. On my credit report it is showing a that I had XXXX as the servicer of my student loan for years when this is not the case. I only had a loan with XXXX from XX/XX/2016 to XX/XX/2016. Also, XXXX is reporting late payments for months my loans were in deferment. By law you have a duty to properly reflect these payments correctly. Loans in federal deferment should not be reported as late per the FCRA. The balance in the file is also incorrect. This is not the correct balance for the loan. The loan was also pain in full and this is not reflected in the report at all. Attached is a copy of the innacurate credit report. There is no excuse not to fix this and remove it.
Product: Credit reporting or other personal consumer reports

Well from my understandings I am allowed to requests all names with the exemption of the name XXXX XXXX XXXX. I have never gone by any other name, so I need all other names with the exception of the name listed above should be reported as mine. This is in accurate and needs to be removed immediately. Also child services is reporting inaccurate information. That needs to be removed. These XXXX issues fall. Under the following information and leaves the reporting Companys responsible for paying reparations. 
Suing for damages after an FCRA violation From a legal perspective, damages refer to reparations that a person seeks when theyve been negatively affected by another party. If an FCRA violation by another party results in lost funds or harm to your reputation, you can seek damages in court. 

Once youve identified that the Fair Credit Reporting Act has been violated by a CRA or another credit entity, youre able to sue that entity in court for XXXX of XXXX types of damages : willful or negligent violation. 

Willful violation A willful violation means you can prove that the CRA or XXXX XXXX acted recklessly with your information and didnt respect their obligations, both to the FCRA and your protected rights under the FCRA XXXX 

This doesnt mean you and your attorney have to prove beyond a reasonable doubt that the entity intentionally violated your rights just that they did so in the first place and that they should have known to not do so. 

If you can prove this in court, you XXXX be able to recover the following damages : Basic damages : Provable damages with no set limit, or Statutory damages between {$XXXX} and {$XXXX} Punitive damages as decided by the court Attorney fees and costs Damages from an individual violator who lied or used your credit report for an improper purpose :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.
Product: Payday loan, title loan, or personal loan

I got this loan last XXXX for XXXX I had the payments done on auto payment well I lost my job and it has been a struggle to keep up with I also lost my housing I have explained this to title-max they have not helped at all if I dont have a certain amount they wont take anything toward the payment. I didn't really qualify for the loan they told me just to bring my title and they would make it work from there. From the beginning they never asked for any documentation. They repossessed it one time I paid XXXX to get it back. They repossessed it again the last week of XXXX and told me that if i didn't have XXXX I couldn't get it back. They told me I had 10 days to pay or it was going to auction I asked If i could pay the past due they declined once I asked for documentation they would not provide anything to me. I have called the local branch to update my number and address change they would not update so I have no idea what is happening because there is no means of communication. They told me If i got legal involved they have the top lawyers and I can just wish my car goodbye.
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. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXXmy 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 or other personal consumer reports

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, XXXX, and Equifax to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to Equifax, XXXX, and XXXX. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off XXXX, Equifax, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX Date Opened XX/XX/XXXX {$140.00}
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Vehicle loan or lease

I participated in the Toyota Motor Credit Corporation Settlement earlier this year, by filling out and submitting ( 2 ) Eligibilty forms on or around XX/XX/XXXX. Those 2 forms were for a XXXX XXXX XXXX and a XXXX XXXX. My loan was for the XXXX. Then I traded the XXXX for the XXXX, a year and a half later. I called the Settlement Adminatrator the next day to confirm they received both forms, and was told they did. On XXXX, I called and spoke to " XXXX '' for an update re : the settlement and was advised to do nothing now. The deadline to submit was XX/XX/XXXX. 

In XXXX, I called for an update re : when checks were to be mailed. But I always got the same answer. " TMCC is still going through the eligibilty forms before any payments can be made, and to keep checking their website for an update ''. But the website only tells you payments will be mailed in XXXX. There is no forther info and the CSR 's aren't so helpful. Well, it's almost XXXX and I have yet to receive any payment or, even a letter stating otherwise. Any assistance will be greatly appreciated. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem with Equifax, XXXX, and XXXX. I found a mistake on my credit report and I submitted a disputes on XX/XX/2023 and XX/XX/2023. However, Equifax, XXXX, and XXXX hasn't fixed the issue within the 30-day period which is a requirement by the Fair Credit Reporting Act ( FCRA ). 

Also, Equifax, XXXX, and XXXX hasn't followed another rule under the FCRA. They kept using the information I disputed without showing it as 'disputed by the consumer ', which the law says they must do. 

On top of all that, Equifax, XXXX, and XXXX hasn't done its job of making sure the info on my credit report is as accurate as possible, something they're supposed to do according to the law ( 15 U.S. Code 1681e ( b ) ). This means the wrong info is still there, which is hurting my credit score and my financial opportunities.
Product: Credit reporting

Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but TransUnion will not based on XXXX XXXX non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX page said there was fraudulent activity on my XXXX account... .i was directed to a representative of XXXX XXXX .or so i thought ... .he directed me to another sight where he took over my browser... .he said i have to through some steps to verify that its me in order to solve the problem... i watched the cursor go to XXXX credit ... XXXX XXXX it very clear i do not want to apply for XXXX credit, i was XXXX that im not, this was just to verify my identity, on XXXX, XXXX bank, through transunion XXXX XXXX a hard inquiry on my credit causing my XXXX XXXX to go down XXXX points! 
i did not, authorize this! 
i do not want a credit line or loan with XXXX!