23daVinci/CFPB_Complaints huggingface dataset:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry appears on my credit reports that I did not authorize. I attempted to contact the company and have not heard back, and the inquiry remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

My complaint is with  XXXX , my wife and I leased a townhom e in XX/XX/XXXX with a    one year  lease at the time we were told that we had to use  XXXX  in that area because  XXXX  were not allowed. We called them for tv,  internet service  for a year and i n    XX/XX/XXXX   I called them and ask them to discontinue service which they said they would and ask me if I would keep  XXXX  and I explained to them that their services were not available in the area we had purchased our new home. the in  XX/XX/XXXX  I received a bill for upwards of {$600.00} I called and they said I had not returned my equipment, I thought we had but I went thru everything left and found the equipment and returned the equipment on t he  XX/XX/XXXX . I then go t a bill for {$360.00} and was told everything was not adjusted and they said you did not pay the last month and I explained to them I pai d 2 pay ments in   XX/XX/XXXX  a nd did not owe them, now they have informed that my call to them to disconnect the service in   XX/XX/XXXX  did  not count as they billed me for both  XX/XX/XXXX  and I guess half   XX/XX/XXXX a nd said they could bill until I returned the equipment I ask for a copy of this in my contract that was signed with me and was told thats what the notes say I dont think that is much of a contract I was also told they would review the phone call where I called to cancel but now they say they no longer have the phone call, I have spent several hrs time on this and would like to have this corrected at once.   XXXX   XXXX   XXXX    was th e mgr I spoke with, she also called and left me a message and ask me to send her other documentation that we had moved when I called and she would see if she could get this corrected I have called several times and left messages and have not received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several online disputes with Experian to remove 7 hard inquiries that appear on my credit report. All came back as verified and updated with no proof supplied, after I submitted several online disputes, asking for proof. There are also many instances of incorrect information on every one of my student loans listed. I am waiting to hear back from Experian on several online disputes on each student loan account listed. They are reporting late payments, which is incorrect. There are also a few instances of incorrect amounts listed on my student loans. This can be easily verified on the U.S. Department of Education website, which I have done in less than 24 hours. This is very upsetting that a credit bureau is allowed to report incorrect information on consumers credit reports, which adversely affects peoples livelihood. I would have never known if I didnt request my reports. 

Spoke with XXXX in the fraud department on XX/XX/XXXX and let her know that these inquiries were not mine. I know they can not be verified because I did not approve of these companies to run my credit at any time. I have asked for proof that these inquiries have been verified. I have not received proof. I would either like written proof that these inquiries are or have been verified ( my documented signature ). If these can not be verified with proof, I would like all of them removed from my credit report. I have made several calls before this, but sadly did not document those. This is unfairly affecting my livelihood and my credit file. I have the right as a consumer to request proof or request that they be removed from my credit file. 

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

I sent a letter off on XX/XX/2022 Here is my tracking number XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial Institution is supposed to share my information to third party people. These are clear violations of my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a credit score of about 800 ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

CAPITAL ONE AUTO FINANCE ( Finance ) XXXX XXXX XXXX ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make XXXX inquiry. 

I also see I have an additional 2 hard inquiries from the following dates : CAPITAL ONE ( Bank ) XX/XX/XXXX XXXXY ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Balanced {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX Balanced {$1800.00} XXXXXXXX XXXX XXXX XXXX Balanced {$790.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX
XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX  Experian
XXXX XXXX XXXX, TX XXXX  RE: XXXX Block Request
Dear Sir or Madam:
I am a XXXX XXXX XXXX. The information listed below which appears on my credit report is the
result of XXXX:
XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceStatusPaid, Closed.
XXXX XXXX
Under dispute
Date openedXX/XX/XXXX
BalanceXXXX
StatusOpen. XXXX past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceXXXX
StatusAccount charged off. XXXX written off. XXXX past due as of XX/XX/XXXX.
XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceXXXX
StatusRepossession.
XXXX  Potentially negative
Date openedXX/XX/XXXX
BalanceXXXX
StatusOpen. XXXX past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceStatusPaid, Closed.
XXXX  Potentially negative
Date openedXX/XX/XXXX
BalanceStatusPaid, Closed. And all Inquiries
Please block this information from my credit report within four
business days, pursuant to section 605C of the Fair Credit
Reporting Act.
Please send me notification of the actions taken. I appreciate your prompt attention to this
matter.
Sincerely,
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have disputed late fees and interest on my Care Credit account. All of my payments have been made a month in advance. However they claim that I have 4 late payments and charged interest on a 0 interest for 18 months account.

I emailed and called the company three different times in the past week. They agreed to reverse only 2 of the late fees of XXXX and denied the other 2 ( XXXX ) late fees. Im asking that they refund the additional late fees of XXXX and interest charges on my account. 

Please see attached document that shows all of the payments made in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has allowed the following companies to request my credit report without my knowledge, consent or authorization. I have had a credit alert on my credit report over 3 years so that if someone applies for credit with my information I would be contacted to verify that I applied for credit. That procedure never took place, I was never contacted and never did apply for credit with these companies. Now these companies are on my TransUnion report as inquiries. 

on your TransUnion report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am in my second semester as a graduate student at XXXX XXXX XXXX. I submitted a letter stating that I am at least a half-time student in order to apply for in-school deferment. This loan was originally taken out with another lender and was sold to Discover a number of years ago. I received a letter stating that my request has been denied due to the " maximum months already used. '' I have reviewed my MPN and do not see any reference to time limits on in-school deferments. I did defer my loans while an XXXX at XXXX, I deferred them two years long while taking XXXX courses at XXXX. Since then I have not taken enough credits to qualify for an in-school deferment. I did qualify in Fall XXXX, I did not in Spring XXXX, and I do again in Fall XXXX. This " maximum months '' is not referenced on any paperwork I signed when applying for the loan nor is it stated on the in-school deferment application. I believe that I do qualify for this deferment as I have only been eligible for it for during the year I borrowed the money ( my third year of college ) my senior yar of college, the two years following and now last fall and this fall - in total that is five years, but I am being cut off at 4.5 ( not even that because the loans went into repayment again this past spring.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XX/XX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have identified several unauthorized items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not open or authorize these accounts. I have previously reported this issue and am now formally requesting the immediate removal of these items from my credit report. Their presence is causing me significant distress and inaccurately reflects my credit history. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Product: Credit card

NavyFederal closed my account off with a remaining balance of about XXXX XXXX They closed my newly opened account ( XXXX ) around the same time it was opened due to suspicious activity. Though Ive tried to dispute this issue with the bank itself, with all the proof i had available, i was still denied of ever getting the chance to reopen my account. In this account was a checking, savings, and a newly approved secured credit card of XXXX XXXX Since XXXX, Ive been receiving paper statements in the mail, it is currently late XXXX of XXXX. Ive made several calls and complaints as to why theyve kept sending me statements when theyve told me my account should be closed. Theyve also since then raised my credit limit from {$500.00} to {$2000.00}. Ive had absolutely 0 access to this account and have no idea why theyd raise my credit limit. Im worried about this affecting my credit score negatively, as ive had no control over it and the bank has not helped me whatsoever with this concern.
Product: Credit card

I recently opened a Citi credit card ( less than 2 months ago ). I started using it normally with no problems at all. Approximately 2 weeks ago my card stopped working without any notice what so ever. This is when I had one of my worst experiences with banks. I tried to reach someone to speak to for days, when I reached someone to speak to, I was told they do not know what is going on, they hung up the phone 2 times! After some days the card started working again, and again without any notice at all. Then after some days it stopped working again, when I called to inquire they told me my account is being closed! 

Apparently someone decided to close my account, probably because I requested to make a complaint, which by the way was not filed. 

I believe that such careless handling of customers ' credit lines is something extremely sensitive, and it would also affect my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account and Experian has not been able to verify this account on multiple occasions. Instead of deleting the account because I have no knowledge of the account and it doesn't belong to me, Experian listed the account as " Unable to locate the individual '' This doesn't make sense. If your " Unable to locate the rightfully individual owner of the account, why is it listed on " My Account '' this is FRAUD because you are knowingly and wrongfully placing an account on someone you know is not the owner. 
Account Name-XXXX  XXXXXXXX XXXX Acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX. # XXXX XXXX XXXX Bank 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

I attempted to email Mohela, and a " System Error Occurred ''. If I try to call, they put me on hold indefinitely. 

Essentially, I am XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have XXXX income outside of student aid. I just applied to switch my loan over to the SAVE program, as recommended by the CFPB, and Biden administration. This took about 6 months to process, and after it was processed, I now owe {$1500.00}, and it thinks I am in repayment with very high values. 

I can't get in touch with Mohela, and I don't know how to fix it. I need them to reverse these charges ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Hey, I am trying to link my bank account to my stock pile account. It wont let me because it says capital one is stoping my account from linking please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am again reaching out demanding that you fix the errors listed on my credit report. You in plain sight have both me and my XXXX  attached to my credit report. both our names are listed with both of our addresses! ( See attached ).

I have asked you to remove the following accounts that don't belong to me, but I have also asked you to remove the following hard inquiries that also do not belong to me. 
The listed accounts belong to XXXX XXXX XXXX, not XXXX XXXX XXXX. Please remove the following inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also removed the negative accounts that belong to my XXXX. 
XXXX XXXX XXXX XXXX  I have asked for verification, and you send me nothing. I asked for method of verification, and you send me nothing. You can't provide any proof and I know it's not my account, so delete them!