23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXXXXXX  I was alerted that the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) had pulled my Experian credit report. I have not dealt with XXXX since I got out of the XXXX in XXXX, and I certainly have not applied for credit with them since then. On XX/XX/XXXX I called Experian to dispute this inquiry and to have it removed. Since I am a premium member, I was asked if I wanted to use my membership benefit or do something else. I informed the woman that I wasn't aware of what the difference was in either talking to her or using that benefit and she failed to explain it to me, only repeating her question. I had already been transferred once to her and since I said I wanted to use my premium benefit, she told me she was transferring me yet again. I told her that I was just going to make a report with the FTC ( I meant consumer finance ) because I refuse to be bounced around. Additionally, I would like to know why I have to PAY to be able to lock my credit file. It seems like something that should be able to be done as it is MY credit file, and Experian ( and the other two credit bureaus ) only aggregate the data and do NOT own my personal information.
Product: Checking or savings account

Capital One hasnt deposited my direct deposit for my checking account and savings account! Im now late on bills because of them. This has been going on since Tuesday and it Friday. To make matters worse they sent email on XX/XX/year> at XXXX XXXX saying they cant deposit anyone checks. I need my money with interest now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy XX/XX/2013. Should be removed from report at 7 years. Dispute filed. Experian only verified that it happened and was accurate, this was not the purpose of the dispute. It should be removed from my report. 
No action taken. Issue not addressed. Unsatisfactory result with no explanation from experian.
Product: Mortgage

Prior to the global pandemic, my mortgage was paid perfectly. This included additional money paid monthly towards the principal. At the onset of the global pandemic, like most Americans, I found myself out of a job. I requested a deferment with PNC bank during that time to ensure that I would not get behind on my mortgage. My forbearance was slated to end in XX/XX/2021, as such, I applied for a loan modification XX/XX/2021. I knew that I would be incapable of paying a balloon payment at the end. All of my documents were sent via fax and emailed by, XXXX XXXX, from the XXXX XXXX PNC XXXX and through email from me directly. On XX/XX/2021, XXXX month after submitting my documents, I received signature required XXXX package from PNC Mortgage ( attached ). This document advised that my loan modification had been approved for a conditional trial period. 
While, thankful, I was confused as the dates on the document were past tense. I contacted the representative on the documentation, she was unavailable so I spoke with another representative who advised me that I would receive documents with the corrected dates via XXXX and I would here from the assigned representative. Neither occurred, so I contacted PNC Mortgage on XX/XX/2021, via phone and email. During that call, I spoke with XXXX ( operator ID XXXX ) who advised that she could not release any information to me, although I had verified my identity, she assured me that I would hear from my assigned representative, and they had 30 days to respond. I advised that that time frame had almost doubled, and I was still awaiting a response. I confirmed that PNC had everything that they needed from me. 
I received a signature required document via XXXX from PNC Mortgage ( attached ) today advising me that my request for loan modification had been denied. I am flabbergasted. After reading the letter, It appears asXXXX if I was denied because PNC Mortgage is awaiting information from a third party. That is outside of my control. I should not be faced with losing my home because the mortgage company has failed to check off a box. I will file a formal appeal and submit it this evening, however, PNC Mortgage has failed to communicate appropriately, as such, I have zero confidence in their ability to rectify this situation and that is why I am submitting this complaint simotaneously.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This payment was reported by XXXX XXXX XXXX to your agency. 
[ Experian/TransUnion/Equifax ] XXXX 
and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code 1681a ( XXXX ), the term " consumer report does not include reports solely contain information regarding transactions or experiences between a consumer and the person making the report. 

Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your prompt-attention to this matter. I look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX XXXX part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly one hundred percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is an email I sent to Equifax today XX/XX/2019. Regardless of their response, I believe it is important to note the redundant Personally Identifiable Information that they request just to get back into their online venue. 

Dear Equifax, Recently I disputed an item online. Days later I received an email saying that the dispute was resolved and I should get back online to see the results. Upon trying to get back into myequifax, I input the wrong password twice - this locked me out of my account and gave me a toll-free number to call. Upon calling, I was tied up by the robot for 5 full minutes ( I timed it ) while you confirmed my identity, with a bunch of questions including information we are not supposed to give out over the phone to anyone according to your own safety advice ( ie Social Security Number and Birthdate among other PII ). Finally, I was connected with a representative who attempted to get all of the same information from me once again - but this time it was a foreign person and I felt much better giving the info to the robot than another person. His identical questions made me question everything he asked because I told him time and again I simply needed my account unlocked. The reason for me getting into my account should not be any of his business but he would not unlock my account without the exact reason why I was trying to log in. 
This is truly unbelievable. Equifax should be the most responsible company on the planet yet they continue to pry additional information far beyond anything that is needed for American Commerce. And two tries at a password that has not been used in weeks is outrageous. You folks owe me the response as well as some compensation for the time it has taken me to deal with this - and still without any information. 
Please mail me the response I was attempting to get or otherwise make this right. I am sick and tired of trying to fix errors in my reports. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX And you don't need anything else to identify me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an erroneous account with Ability Recovery Services, however they have failed to remove the account from my credit report and have not responded to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on numerous occasions, the latest attempt being yesterday XX/XX/XXXX to get inquires removed from my report. I even informed representative I would be reaching out to you all to file a complaint, because this is causing a hold up on my purchase, in return he told me go ahead. 

I have had no issues with the other 2 credit companies removing the inquiries. Transunion is the only company that refuses to help me. 

The below are the list of Inquires that I need removed due to me not recognizing or giving authorization to run or re-run my credit during the time listed. 


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. 

XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXXXXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Product: Credit card or prepaid card

We have recently relocated w/ my spouses career of 39 years. During that time I several instances of attempted fraud. We were able to thwart the other attempt. I got notice of a balance on a credit card that had XXXX balance ( I have no credit card debt ) I lost ce in Montana but charges were made for gold & jewelry from a town in Texas for {$6500.00}. Ive never been there, know anyone there, never want to go there! This Sony Visa card issued by Comenity Bank had been in my wallet for 20 years, I used it sparingly and have always paid the balance even before billing! Ive sent them two certified letters, a local police report, called them at least 12 times and still they persist feigning that Im not communicating! This thief in Texas used his own name and address to make these purchases and has been identified as the perpetrator! The Billings Police Dept, report # XXXX the investigation officer called me personally and said this person was caught doing the crime!! This company continues to harass me daily, calls, emails saying its my debt, Its NOT. Im an older women in my 60s and quite uncomfortable w/ detailed tech knowledge, This company is putting us through XXXX trying to force us to pay this card charges that are NOT ours! Very depressed and disillusioned, scared! We need help! Theyre destroying our hard earned financial life!
Product: Student loan

In XXXX of 2015, I signed a negotiable instrument ( promissory note ) with the company in question and per my contract as the debtor I am asserting my rights according to 16 CFR 433.1-3. 

Violations : 15 U.S. Code 1692c 15 U.S. Code 1692d 15 U.S. Code 1692e 15 U.S. Code 1692f 15 U.S. Code 1692j According to 18 U.S. Code 8 all debts are obligatory of the U. S. but the company in question is trying to hold me, the consumer as surety for the negotiable instrument and for extortion purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My Experian online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX  does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries : XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX 2 years ago and financed it through Hyundai Motor Finance. I took out a home equity loan in XXXX through XXXX XXXX XXXX XXXX and had a cashier 's check drawn from my account to pay the XXXX off. I mailed the payment and they sent the title too XXXX XXXX. XXXX XXXX had nothing to do with the title. I paid Hyundai. I've tried working through both Hyundai and XXXX XXXX to resolve this. XXXX XXXX said they can't help as they have nothing to do with the vehicle. I've made multiple requests to Hyundai Motor Finance informing them I paid the car off. They refuse to correct the title as they said XXXX XXXX is the new lien holder. I explained their not, I paid it off. They don't believe I could do that. The credit union can't help as they have nothing and XXXX wont help even though they sent the title to them in error. 

The XXXX says I need a release from XXXX XXXX but again they say they have nothing to do with the vehicle. Hyundai refuses to send me anything to allow me to get the title. I now have a car I can't do anything with bc I can't get a title. I had to buy a new vehicle and an stuck with a car I can't get rid of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of XXXX  dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.
Product: Credit reporting or other personal consumer reports

I reported a dispute to XXXX concerning. The reporting of XXXX credit card that the past due amounts are due to medical and a disaster event. I have contacted XXXX numerous times, offering a payment plan, which they have declined. This should not be showing on my credit report ; this is my only outstanding balance ; all other bills are current. One credit card can not adversely impact my credit ; my XXXX score is in the XXXX. XXXX is fraudulent ; they offer a boost, which I have signed up for four times, but I have had no increase in my score. I contacted them to let them know that my bank is connected, but their system continues to give me an error message and no change in my credit score. They never responded. I believe my credit score to be incorrect. I have never seen one card drop a person 's credit score this low when everything else is paid on time. They adversely impact XXXX people with low scores to keep us from getting credit. 

Trans Union has an XXXX card as a late payment, but I have never paid them late. They also have XXXX listed on my credit report, which should be removed. My credit score should not be in the XXXX 's for one card when everything else is being paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, COLLECTION BUREAU OF HUDSON VA added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused at any point in time from reporting date. A bill without a signature does not validate the debt and anyone can send a bill and make false claims. According to the FCRA COLLECTION BUREAU OF HUDSON VA has violated my rights as s consumer and i am requesting legal action to remove this account immediately.