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

On XXXX I purchased a used 2014 XXXX XXXX, I put {$10000.00} cash down on the vehicle leaving a remainder of {$14000.00}. I told him ( loan/finance officer ) that I did not want to use the dealership because they always have higher interest rates ( XXXX XXXX XXXX ) He DID NOT tell me that he was going to running ANY hard inquires on my credit, I was under the assumption that it was soft credit checks. I told him that I used XXXX XXXX for my last vehicle loan and that I enjoyed using them as a financial institute ... .my credit was never ever ran for that company??? I checked my credit last night and apparently he ( the loan/finance officer ) decided to run it 4 times!!!! Can you please have this removed from my credit as a hard inquiry? If I would have known this I would have never used this dealership! 
I DID NOT authorize this for the following ; COAF- Finance on XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX-XXXX XXXX I will accept the XXXX XXXX XXXX that is who he ( loan/finance officer )  showed me the offer and had to initial by the agreement. This is the company I did agree to their terms. I am beyond floored that they so easily dropped my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.
Product: Money transfer, virtual currency, or money service

I was cashing a check to somebody and it was my first time cashing a check and I had sign the check with my name not knowing that it had to be the other person name and it had close my account saying I was doing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

As of today, previous lenders that were paid off are now back on my credit report showing 88 % of on-time payments. Last month on my credit report, it was reflecting 100 % on-time payment history. A lot of this information has been disputed as of XXXX and was rectified. I refinanced my auto loan ( XXXX XXXX ) last year in XXXX or XXXX and the old information from the previous loan was removed ; now it's back on my credit report. My credit cards, except for XXXX and real estate loan all have been paid off and reflected on my credit report via XXXX XXXX. The late payments are showing on my credit report again. I went from 100 % on-time payment history to 88 % on-time payment history as if those credit cards, auto and real estate loan are still open.
Product: Credit reporting or other personal consumer reports

XXXX erroneously reported to XXXX that I failed to pay a debt timely. This resulted in my credit score dropping from XXXX to XXXX. I have submitted several notices of dispute imploring XXXX to do a proper investigation, which they haven't done. Further, now my XXXX report reads that the debt was settled for less than the full amount. This is untrue. Despite filing XXXX additional disputes, XXXX hasn't corrected their error. ( As soon as I learned of the {$100.00} outstanding balance, I called XXXX and asked why they didn't simply charge the credit card on file -- no answer was given. I directed them to do so, and the debt was paid in full XXXX. The account is still active. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In complaint # XXXX, " the company '', Equifax responded that I was requesting an investigation regarding " errors '' in my report. This is inaccurate. As the complain # XXXX, this is not about errors ; it is a complaint against Equifax for not allowing me to view my report, a paid service. 

This complaint is a second complaint, because Equifax, whenever possible ( recently ) has either not assisted me, or in some cases, representatives attempted to sell other services instead of helping me access my report. 

This ordeal has been going on for several months. Multiple conversations with representatives, two supervisors, have not put me closer to any resolution. 

I was asked to fax drivers license, social security card and utility bill to XXXX. The supervisor who instructed me to do so, assured me that once the information is received, my credit file would be merged and everything will be resolved ; creditors and myself, would be able to access and view all tradelines, scores ( where available ). I recently applied for credit, and was informed that there are no tradelines on my credit file with Equifax, even though I have been in the credit bureaus ' systems since 1984. 

I have called several times, often on hold - before Coronavirus delays - for more than 30 minutes, only to be transferred, marketed other products and simply hung up on. I have spoken to 2 supervisors. The last supervisor, after my request, said she would transfer me and explain my situation to the department ( Global Fraud?? ) before bringing me on. I was on hold for over 1 hour, with no one coming on the line ... this is approximately 30 mins more than my usual hold time after multiple transfers.

The inability to access my Equifax credit file has prevented me from securing much needed financing lending solutions during this  difficulty time. I am married, with an illness, and have XXXX young children. I have a high deductible health plan that requires large out-of-pocket payments. 

In addition to faxing the requested documents to get my file fixed so that I can view it online, and credits - authorized - have access to it, the requested information was faxed and subsequently mailed view Priority Mail Express # XXXX XXXX XXXX XXXX US.

I have not received any correspondence, phone calls, emails or anything that would suggest assistance in this matter. The company 's ( Equifax ) response to the original claim XXXX implied that this was merely an issue " with errors '' ; but in reality, I can not view my file online to help determine errors, much less apply for credit because they are not making it accessible to me. 

I am very disappointed and frustrated, because Equifax, over a period of nearly a year now, has repeatedly ignored me and purposely refused to allow me online access to my credit file, services that, in some cases, I paid for. 

I would like for CFPB to escalate this investigation for me, in hopes that I will have effective immediate resolution.
Product: Credit reporting or other personal consumer reports

I received a data breach letter in the mail stating that my credit report has been affected by a data breach, on checking my report I noticed some inquiries that I did not authorize, therefore Equifax needs to remove them as. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

XXXX is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and Experian is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that XXXX shows this account was included in our BK and that Experian removes the lates from XXXX that are in error.
Product: Debt collection

I have sent multiple letters to all 3 bureaus to remove IQ data from my credit report. Last letter was sent XXXX. I asked to conduct a thorough re investigation and to provide me with all documention used to verify the accuracy of the disputed information.
Product: Student loan

Navient will call multiple times a day, literally every hour. As of XXXX  today, XX/XX/2021, navient has called at XXXX, XXXX, XXXX, and XXXX. Since XX/XX/XXXX, they have called 22 times. These phone calls are excessive.
Product: Credit card or prepaid card

In spite of the legal notice I sent XXXX XXXX XXXX, they have refused to comply with the Uniform Commercial Code, and the USC laws, and will not except my Promissory Note, which is legal tender of payment for the discharging of a debt. I gave them a list of some of these laws, but they dont seem to mean anything to them. Some of the laws I gave them are listed below. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by midnight of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item.

UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.

3-104. NEGOTIABLE INSTRUMENT.

( a ) Except as provided in subsections ( c ) and ( d ), '' negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.

( b ) '' Instrument '' means a negotiable instrument.

( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check. 
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.

( e ) An instrument is a note '' if it is a promise and is a '' draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND complaint. TransUnion is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to TransUnion on XX/XX/2021 ( attached ). TransUnion responded stating I they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). I have not received the letter. Regardless, theses are not acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. TransUnion was never never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off.
Product: Debt collection

I looked at my credit report recently and found a collection account to my surprise. 

The following account IS NOT MINE and HAS NEVER BEEN VERIFIED!!!! 

XXXX XXXX / # XXXX I need to know who is responsible for this and why they are showing up on my Experian Credit Report? 

Also - I need signed proof of anything dealing with this " so-called '' debt!! 

THAT INCLUDES QUIT CLAIM LANGUAGE To verifying any legal proof of me owing this debt!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$260000.00} Late/closed
Product: Mortgage

Submitted a letter XXXX XXXX requesting a partial release of land which serves as collateral for the mortgage Provided all documentation including sales agreement. Platt map appraisal  etc. I have sales contract pending and have contacted Freedom mortgage a dozen time and the response I get is they just received the information Have been advised process would be complete on XXXX different dates- none of which have been met. The sale may fall theu because of them
Product: Bank account or service

Good Morning, I am wanting to advise of an issue that I was just alerted of regarding Chase Bank. I have XXXX accounts at this institution and my daughter was making a purchase at a retail store where her credit card was denied. I called Chase to find out the issue of what was wrong and they advises that our account was in loss prevention and no are no longer wanting to do business with us. I asked why and they proceeded to tell me they do n't have to disclose a reason as they are able to close accounts when they want and the reason that they have is in an internal reason and they are not able to disclose to me why. I basically asked the representative at Chase so u mean it is a big secret and he said basically yes and they will send me a check of the remaining balance in the mail in 10 days or I can go to a branch and get my money. I am at a loss for words as now I have XXXX which are accounts for a XXXX XXXX and a XXXX student where we have to figure out in a blink of an eye what our next step is. We have to stop 4 direct deposits and because what we are blue collars workers that live paycheck to paycheck and are not profitable to the bank we get the axe without any for warning. My account does not have suspicious activity. All my deposits and withdrawals are all associated with a name/place whether I use my atm card or have it directly withdrawn from my account. I work and pay bills and ensure my children 's accounts are ok and transfer money to and from of needed so everything is labeled. I think freezing someone 's account without warning is not a proper way to do business especially if we are not profitable and then proceed to say they ca n't disclose the reason why. If they feel I am doing something wrong why not advise me so it can be straightened out which is why I think it boils down to the bottom line that we are not beneficial to this XXXX dollar institution. I now need to take a day from work to go to the bank to get my money and open another account with needing to stop electronic deposits and withdrawals in a rush all because we do n't fit the ideal customer they are looking for but the business account I have my name associated with as I am a signor for our XXXX XXXX is still ok to stay open with hem because of the high balance. 

Thank youXXXX XXXX
Product: Debt collection

On Wednesday, XX/XX/23, I received a notification about a derogatory mark on my credit report. It came from Trident Asset Management via XXXX XXXX in XXXX, Texas mentioning I owed a balance of about {$180.00}. I have never lived nor traveled to Texas in my lifetime this is truly a case of identify fraud. This is the second time that Trident Asset Management has placed a derogatory mark on my credit report in less than 1 year. I called Trident Asset Management and explain to them once again I was a victim of identify fraud and they mentioned they will remove it from my credit report. I am not certain to why this continues to happen but I need this removed from my credit report.
Product: Credit card or prepaid card

My husband applied for a Visa XXXX XXXX with US Bank in XXXX of XX/XX/XXXX. The website stated that we would find out instantly, they did not issue it. Over the next two months we called in to verify information. Due to my husbands work schedule this was very hard as they have super limited hours with wait times that extended 30 or more minutes each time. I had to wait on hold and catch him in between meetings since they would not tell me what needed verification. We were told to reapply so we did and it noted we had another application. We changed our income amount and the application processed but was held up by them thinking our email address was odd. I explained we have our own email server and custom accounts. I asked if anything else needed verification and the agent said no. Fast forward to the first week in XX/XX/2021, we get our cards, activated them and for our first use they were rejected for being invalid. I called and was transferred through 4 different departments and was on hold for over an hour. At that time I was told we had to submit copies of our drivers license and social security card. That until we did that our account was closed and could not be reopened. I asked why since we are debt free, have credit cards that have been open for over 20 years and never had to provide this before. The agent was very rude and refused to provide any information. 

We decided dining rewards were not worth dealing with a completely incompetent bank. We hope they fix their systems so others do not feeling like they are criminals trying to open a credit card.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Experian. XXXX XXXX account : # XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I attached a 1099-C ( Cancellation of Debt ) from XXXX XXXX in regards to the following charged off account listed below. XXXX XXXX XXXX. XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$620.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Product: Consumer Loan

The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.
Product: Debt collection

The original debt was filed as a judgment in XX/XX/XXXX, the statute of limitations on this debt has expired according to NJ state law. I just found out they are utilizing a third party XXXX, XXXX, XXXX who has refiled this judgment as a State Tax XXXX with the Plaintiff as State of New Jersey not as Atlantic Credit. Spoke to XXXX County Special Civil Law Division ( XXXX/XXXX/XXXX ) ext. XXXX, they verified that it is Atlantic Credit but as you will note they did not file it as such, it is filed as State of NJ, State Tax Lien. I contacted ( XXXX/XXXX/XXXX ) XXXX XXXX for an explanation and verification as have not received a response as of yet.
Product: Credit reporting or other personal consumer reports

Today, I found that my credit report contained accounts that should not be there, and I dont know why. When I checked my report as usual, I was surprised to see errors that hadnt appeared before. I refreshed my browser to see if it was just a temporary mistake, but the incorrect accounts remained. Due to this, I kindly ask that my submitted documents be carefully reviewed to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX- {$400.00} I recieved a paid in full receipt but the account was never reported on credit report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$450.00} This account was paid in full but doesnt reflect positively, the account was charged off. 
XXXX XXXX XX/XX/year> - {$890.00} This account is a collections which was paid in full but never reported postive on my credit. 

XXXX XXXX ( {$1200.00} ) XXXX XXXX XXXX XXXX ( {$2000.00} ) - These account are XXXX loan, both bills now reflect on my credit but it should just be XXXX the collections or the loan which take a major impact on my credit! Im also paying payment that arent reflecting on my credit!