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

My credit reports are showing a {$1600.00} balance from XXXX Magistrate Court owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. XXXX lists the filing date asXX/XX/XXXX while Transunion lists the filing date asXX/XX/XXXX.
<P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are 3 bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. 
Complaint XXXX XXXX XXXX : The late payments listed on my credit report are inaccurate. have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : TransUnion : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by [ XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/2024 ], and it does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ). 
As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. 
Please confirm in writing that the inquiry has been removed. 

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

I have recently filed a compaint about XXXX XXXX obtaining a copy of my credit file on XX/XX/2017 without a permissible purpose which resulted in a hard inquiry on my file. The complaint was sent to Experian who responded, but they did not address my complaint. 
Experian response only states information about inquiries and did not address the permissible purpose why they gave XXXX XXXX a copy of my credit file. 
Also, the address that is shown on my credit file for the company is invalid, mails are not deliverable to them with this address. 

My complaint stated that- 1 ) XXXX XXXX has no permissible purpose to obtain my credit file and 2 ) has false information reported on my credit file. 

According to the FCRA a user must have a permissible purpose. This is also posted on Experian website - https : //connect.experian.com/legal/fcra-obligations.html A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : - As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ) - As instructed by the consumer in writing. Section 604 ( a ) ( 2 ) -  For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) - For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) - For the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ) - When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( i ) - To review a consumer 's account to determine whether the consumer continues to meet the terms of the account. Section 604 ( a ) ( 3 ) ( F ) ( ii ) - To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ) - For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ) - For use by state and local officials in connection with the determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 ) As stated in my previous complaint I have never done any business with this company and I did  not give them permission to obtain a copy of my credit file. Please provide proof to me that XXXX XXXX had a permissible purpose or any permission given by me to obtain a copy of my credit file. If you can not provide proof of permissible purpose or permission by me, remove this hard inquiry from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time onXX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but XXXX XXXX has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX removed a bankruptcy from my record. I tehn dispute the accuracy of the same bankruptcy to Experian to get it removed and they still validated, but refused to tell me how. They have also taken longer than XXXX  days to responded to this issue and still hasn't removed it. PLEASE HELP ME!
Product: Credit card

Recently, I was denied credit by American Express. On XX/XX/2024. I applied for an American Express Platinum Card, Ref Number XXXX. 

According to the American Express Company Prospectus and the American Express Travel Related Services Company , Inc, my application is an asset-backed security. When I put in the application, I gave the company a transferable security. As remedy for my denial, I demand an overturn of all denied applications for open-ended/unlimited credit, discharged monthly. Fair exchange is fair exchange. I've applied 3 other times before this which, in total, is 4 asset-backed securities or transferable securities given to the company. I haven't received anything for this exchange. I called the company to talk to the proper authority on the matter and was transferred to the Declined Application Department and was told that the reason was because of my XXXX score. I know for a fact that my XXXX score is 1 factor, but never the deciding factor because of the fair exchange of asset-backed securities. I endorsed the securities ( applications ) and got absolutely nothing for it. I know that the company does not dispose of the denied applications. At it's more basic level, it's securities fraud.
Product: Credit reporting or other personal consumer reports

I submitted my fraud affidavit last month and i noticed that XXXX had deleted the accounts that were considered fraud however it seems that XXXX XXXX and experian have been ignoring my concerns
Product: Credit reporting or other personal consumer reports

I submitted multiple requests to CoreLogic for a Fair Credit Reporting Act ( FCRA ) Security Freeze and a California Consumer Privacy Act ( CCPA ) Do Not Sell ( Opt-Out ) request. Despite multiple attempts, CoreLogic has failed to comply, violating both federal and state law. 

Timeline of Requests & Non-Compliance : 1. XX/XX/year> First request sent via email for a security freeze and CCPA opt-out. ( No response ). 
2. XX/XX/year> Second request sent via email. ( No response ). 
3. XX/XX/year> Formal written request sent via XXXX Certified Mail ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ). ( No response ). 
4. XX/XX/year> XXXX tracking confirmed that my certified letter arrived at the XXXX XXXX, CA XXXX post office but remains unretrieved by CoreLogic. ( No response ). 
5. XX/XX/year> Another email sent with ID verification and Social Security number attached. ( No response ). 
6. Total of five separate submissions of my personal details, yet CoreLogic has refused to act.

Legal Violations : 1. FCRA Violation ( 15 U.S.C. 1681c-1 ) - Security Freeze Request : CoreLogic was required by law to place a security freeze within one business day ( electronic request ) or three business days ( mail request ).

CoreLogic has ignored my request and has failed to provide my PIN, violating federal law. 2. CCPA V
iolation ( Cal. Civ. Code 1798.120 ) - Do Not Sell ( Opt-Out ) Request : CoreLogic was required to process my opt-out request within 15 business days.

The deadline has passed, and CoreLogic has failed to comply with California law.

Request for CFPB Action : I am seeking immediate enforcement of FCRA and CCPA compliance and requesting the CFPB to : Investigate CoreLogics failure to process legally required consumer requests.

Require CoreLogic to place my security freeze immediately and provide my PIN.

Ensure CoreLogic processes my CCPA Do Not Sell ( Opt-Out ) request.

Pursue penalties for willful non-compliance under FCRA & CCPA statutes.

Despite my repeated good-faith attempts, CoreLogic continues to ignore legal obligations, leaving my personal data unprotected. I request the CFPB take urgent action to enforce compliance and hold CoreLogic accountable.
Product: Payday loan, title loan, or personal loan

I had opened an account with Prosper Marketplace back in XX/XX/2019. The following year COVID it and I started to see a cut in my hours at work. I contacted Prosper to ask if they could offer any type of help and they indicated that since I reached out to them before the payments were late that they would help me. They assured me that my account would not show delinquent during that time. You can imagine how upset I was when I saw my scores drop due to them reporting me late. They took advantage of a pandemic and not only lied about how it would impact my credit but then to charge late fees and show late payments. This is predatory lending with what they did. They tricked me into thinking they would help and then turned around and put me in a position that hurt me and put me in a higher rate bracket. Had they told me they couldn't help be at the time I spoke with them I would have tried to borrower the money or borrowed against my 401K. I was lied to and this is not right.
Product: Consumer Loan

I purchased an auto mobile from Auto Masters in XXXX. My down payment was XXXX dollars. I only had the car for two weeks before they repossessed it. They kept my down payment and I never was late on one car payment because one was never due. They then put a repo on my credit report that is now showing paid but there 's a judgement on my credit report for XXXX dollars. I want it removed. It was the auto masters off XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX, XXXX, TN XXXX Hours : Closed today Phone : ( XXXX ) XXXX My name is XXXX XXXX XXXX and my DOB is XXXX/XXXX/XXXX and my social is XXXX
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2020, I went online on Western Union website around XXXX to send exwife XXXX XXXX. 
The website stated XXXX charge for choosing money transfer within minutes. 
I paid for the western union transaction and within minutes I could see my bank paid XXXX + XXXX fees = XXXX I got email from western union within 10 minutes of this trasnactions stating that would be a 2 hours review.

I called western union Customer Service XXXX XX/XX/2020 around XXXX and they told me because covid19 could take 72 hours for western union to release XXXX I told customer service agent why they don't let customer know in advance that could take 72 hours to release money. If I had knew that my money would be put ON HOLD 72 hours. I would have try XXXX or XXXX or other online vendor that deals money transfers. 
Now I have no other options that to use XXXX to send another XXXX to my exwife because she needs to make payment 48 hours or be late.

western union tracking # XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I was looking for an installment unsecured personal loan. XXXX XXXX from ace cash Express sent a verification form link to my email. It was actually a XXXX form which didn't redirect me to a website. They asked for my bank username and password for verification. I don't give that kind of information out, nobody should. So he called and I missed it. I called back and talked to XXXX at XXXX-XXXX-XXXX  a XXXX XXXX Texas number. He kept trying to get my username and password. I told him I didn't need a loan that required that. Later a phone from California called from XXXX-XXXX-XXXX. He had a strong XXXX accent but could understand he was ace cash Express trying to get my username and password again. Hung up on him.
Product: Debt collection

I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation. 

A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office. 

I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to. 

I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report. 

This all happened well over a year ago. 

I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit. 

This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled. 

I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have. 

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous. 

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent credit card accounts currently listed on my Equifax and XXXX credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX XXXX. Theres no bankruptcy records on my XXXX XXXX XXXX Report, the third party company/vendor XXXX and Equifax use to get public record information. I have sent documentation from XXXX XXXX to XXXX and Equifax for proof the public record is not my public record, but XXXX and Equifax continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX XXXX Report. The following credit inquiries currently listed on my Equifax credit report are fraudulent credit inquiries : XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States Senator, XXXX XXXX, Minnesota United States Senator, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, United States Attorney General, and Joe Biden, President of the United States of America to look into this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report The names of these hard inquiries are Capital one & XXXX the dates of the these fraudulent inquiries as of today. 

capital one auto finance XXXX Sales financing company XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are capital one ( bank ),, capital one auto finance and XXXX.