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

I contacted you on XX/XX/20 complaint XXXX and again XX/XX/20 complaint XXXX letting you know that these accounts listed on my report are fraud. I have explained to Trans union representatives several times but they continue to report Fraud. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. This stuff does is all FRAUD. They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). XXXX XXXX is also in violation of the XXXXramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.
Product: Credit reporting

Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX 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 put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITALONE Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter by certified mail to the credit bureau TransUnion Consumer Solutions. This letter asked them to remove outdated and incorrect personal information from my credit report that included old addresses, incorrect name variations, incorrect phone numbers, and incorrect employment history. This was requested due to the rise in identity theft which I have been a victim of over the last few years at various points. 

On XX/XX/2022 I received a generic response that ignored all of my requests. I was only issued a general statement letter and a copy of my credit report - both of which I did not request. None of my personal information was updated as requested. I have attached the following as proof : 1. The original request letter sent to TransUnion Consumer Solutions 2. A copy of the received TransUnion response 3. A copy of the certified mail receipt
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the negative items that are still appearing on my record, despite having raised this issue with you some time ago. It is concerning that these inaccurate items have not yet been addressed or removed. 

I kindly request that you take immediate action to remove these inaccuracies. If this matter is not resolved promptly, I may be forced to consider further action, including legal remedies. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit card or prepaid card

In XX/XX/XXXX, I lost my job and was unable to make payments on my Kohl 's /Capital One charge card. Kohl 's turn the account over to a collection company called XXXX XXXX XXXX XXXX XXXX who offered me a Settlement Offer. I accepted the offer and paid the agreed amount to XXXX XXXX XXXX who removed their negative remark from my credit reports. I then contacted Kohl 's to see if their negative remarks could be removed from my credit report in which they refused to remove, they sated that the negative remark would remain on my credit report for 7 years from the last payment made, which was in XX/XX/XXXX. 

Recently, I reviewed my credit report and noticed that Kohl's/Capital One had placed a date of XX/XX/XXXX as the last payment made on this account. I wrote a letter dated XX/XX/XXXX ( attached ) to Kohl 's stating the facts and they have not responded. 

I then called Kohl 's on XX/XX/XXXX and spoke with employee # XXXX who was unwilling to help with this matter and then hung up on me before a resolution could be made. 

Kohl's/Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) by using the date of XX/XX/XXXX that I paid the collection agency as the last payment made in lieu of the actual date of XX/XX/XXXX in order to keep their negative remarks on my credit reports.
Product: Credit reporting or other personal consumer reports

I have asked to remove the XXXX XXXX XXXX XXXX account from my credit report and I have sent the evidence to TransUnion where the creditor reports a balance of {$0.00}, but they have not investigated and continue to report the information on my credit report that is not verified and it can even be considered false ( I attach the letter from the creditor ). But TransUnion continues to say that there is an outstanding balance.
Product: Credit reporting or other personal consumer reports

I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed ' or deletedimmediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX Texas, is trying to collect money from me that is fraudulent. Opened no new accounts in XX/XX/2018. They say I owe XXXX but I have receive any letters or phone calls from this company telling what this false debt is about. It is currently on my credit rating. Liars. How can they do that with no proof or documentation? Guilty until I prove myself innocent?
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXX XXXX, which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report regarding 15 USC 1681c-2. These inquiries were not authorized by me and are affecting my credit score. Please remove any unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

RashCurtis & Associates have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. XXXX is the ONLY bureau to not have updated this information yet. XXXX needs to delete RashCurtis from my credit reporting asap! I have attached a copy of my XXXX report as proof as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor. 

Numerous unauthorized hard inquiries are also showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== 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 XXXX XXXX XXXX. 
XXXX Account XXXX. XXXXdept Of Ed - Other XXXXXXXX XXXX XXXX Bal : {$12000.00} XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX  Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX 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 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: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXX XXXX, I and my wife elected to replace the windows in our home. At that time, we were not going through any financial hardship. But in XXXXXXXX XXXX XXXX, my wife 's grandmother passed away unexpectedly. This caused emotional stress for my wife and eventually led to her closing her business. Along with that, my XXXX XXXX XXXX XXXXXXXX XXXX ended in XXXX. This made our financial situation exponentially worse. 

When my wife terminated her business, we lost {$1500.00} to {$2000.00} a month. When my XXXX XXXX ended 3 months later, I XXXX XXXX XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX  was significantly less than when I was XXXX My pay was reduced by nearly {$4000.00} a month. Ultimately, we are still recovering from the lost income. 

Ally Lending Bank reached out to me starting in XX/XX/XXXX. From the first phone call, I explained to them that we were going through a financial hardship and that we would need some assistance in making the payments. They said because the first payment is due, that they can't offer any financial assistance at this time. Later on, Ally Lending was acquired by Synchrony Bank and when they would contact me, I explained that me and my wife are going through a financial hardship and that we would need some assistance in making the payment. The representative said that they don't have any form of financial assistance and that if we could pay any amount that would be fine. 

These conversations went on for several months. And every time I would speak to Synchrony, I expressed to them that I was going through a financial hardship. Finally, after several months of verbally communicating with the creditor, in XXXX, I received a letter from a debt collector stating that they were reaching out to me attempting to collect a debt. How can I dispute this with the creditor?
Product: Money transfer, virtual currency, or money service

Sent money through XXXX, it was sent mistakenly to the wrong account. I noticed immediately and called Chase to inform them Was told there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Product: Debt collection

XXXX XXXX XXXX ( Not XXXX XXXX ) unfairly charged me on an account that I have not used in years. Originally I started an account with them due to my low credit, and trying to build my credit score up. However, once my credit improved I stopped using their card. However, somehow, a month ago, I received a message from a Collection company, LVNV Funding LLC collection company, who claimed I owe XXXX dollar on the XXXX XXXXXXXX account. 

Throughout the 6 months ( Since XXXX 2022 ) that both they and XXXX XXXX claimed that I owe money, I have never once gotten any sort of noticed that my account was charged without my permission. And now both companies refused to work with me to resolve this issue.
Product: Mortgage

I was offered Mortgage Assistance Forbearance for my conventional loan. The dates range was from XX/XX/XXXX - XX/XX/2020. I attempted to pay XXXX but was told I could not make a payment and that I needed to call the company. I called and they advised I needed to send in documents to continue forbearance or loan modification. After sending the requested information, they have reported me to the credit bureaus and placed me in foreclosure. I offered to pay the past due amounts, even though those payments should not be considered " past due '' when I was advised I did not have to make a payment till the conclusion of the forbearance period at the earliest.. Now as I await a decision from the underwriters, my credit report is negatively impacted and I am being denied attempts to make any payments. I have quite a bit of equity and I could EASILY sale the property, but I was told by Carrington that I can not sale it even I wanted to,
Product: Checking or savings account

I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.
Product: Credit reporting or other personal consumer reports

These banks that I mentioned made inquiries into my credit report without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

in response to Experian, XXXX XXXX XXXX XXXX born XX/XX/1961, give Experian authorization to proceed with my complaint
Product: Checking or savings account

I noticed that my checking account was not being credited for 1.25 % APY for direct deposits and only 0.7 %. I have had at least XXXX direct deposits from my employer ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. The Sofi rep I contacted claims the deposits are not coded correctly preventing the crediting of the bonus. She made a unhelpful suggestion to contact my organization to change their direct deposit ACH coding practices.
Product: Checking or savings account

I have twice requested my account be closed, once through secure bank message, the other via signed letter sent regular mail and my account has still not been closed. In fact, today ( XX/XX/2018 ), I received a bank statement for my account which I have twice requested be closed.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment that appears on my credit report, which I believe is incorrect. 

The account belongs to XXXX. 
The reported late payment date is XX/XX/year>2022 and XX/XX/year>2022 I have attempted to resolve this with the creditor and the credit bureaus, but they have not corrected the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs TransUnion, XXXX and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas XXXX XXXX XXXX Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.