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

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX westlake service llc 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, credit repair services, or other personal consumer reports

XXXX XXXX, President of XXXX XXXX XXXX signed a contract with a Company I worked for in XXXX of XXXX and agreed to pay the company a referral fee. In XXXX of XXXX I received a 1099 from XXXX XXXX with my social security number for the fees he paid the company. I never provided or agreed to any contract work with the company. He then apologized, and requested the company 's EIN from me. I was very upset that XXXX illegally searched for my social security number through a skiptracing site such as XXXX XXXX or XXXX to obtain my social security number illegally. I have also had recent inquiries on my report that I have not consented to. My social security number has been compromised and illegally obtained by XXXX XXXX and his company. There needs to be some type of legal action taken against XXXX XXXX and his company to prevent future fraud.
Product: Credit reporting or other personal consumer reports

TRANSUNION never provided me with the SIGNED DOCUMENTS THAT WERE PROVIDED FROM XXXX XXXX TRANSUNION also sent me an ILLEGAL letter stating THEY DID NOT HAVE TO PROVIDE ME WITH THE SIGNED DOCUMENTS FROM EACH FURNISHER NOR ANY FURNISHER transunion also stated that the furnishers verified each account AND EACH HARD INQUIRIY THIS IS ILLEGAL AND A BIG VIOLATION OF THE F.C.R.A
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I noticed an inaccuracy with XXXX XXXX XXXX  My credit card statement showed a late payment XXXX 2017, which is incorrect. Upon my realization of the inaccuracy. I typed up a letter to Zales asking them to fix the inaccuracy or send me account statements with the correct address showing that my letters was going to the correct address and my payments were in fact received late. Zales have not corrected the inaccuracy, nor have they provided me information showing that my statements were received, going to the correct address, or showing my account detail information. Having this late payment for the month of XXXX  2017 is detrimental to my credit health and I would like it removed immediately. Please help me in getting this taken care of. This is not how our veterans should be treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,   XXXX   and Transunion. I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry sto p going into my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX/XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This started a couple years ago. I had 2 " bills '' which appeared on my credit report sent to collections companies. I was using XXXX XXXX and filed disputes and got denied several times. Every time I was denied I submitted a dispute again. Never once did I get a call or email or anything from the credit reporting companies. I was only told that they found the information to be true. Now this was after my passport and birth certificate were stolen and my info ended up involved in several data breaches. Next I get a call from turbo tax and was told someone was trying to file a tax return in my name and social. At this point I called the cops, made a report and was told to let the credit companies know I had identity theft. Still received no help with this so here I am still disputing these collections and now more charge acct show up on my report. I am currently trying to get an apartment and this is holding me back. I can't even get a small loan to just pay these off because it is crazy. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

First advantage and XXXX shared and or reported negative information more than ten years old to prospective employers which in turn lengthened to job application process. In speaking with both companies that communication was uneventful and returned no positive results.
Product: Credit reporting or other personal consumer reports

The company will not practice compliance when dealing with my report. The high standards of accuracy is not being practiced. They are not providing me the necessary information to fix my report in which it will reflect complete information that is important and will reflect my true credit profile.
Product: Student loan

As of XX/XX/2023, PHEAA has sent a combined total of 4 pieces of mailed correspondence ( just to Borrower, cosigner is separate ). All 4 of these outline the same delinquency message for different loan sequences. PHEAA knowingly and willingly wastes paper by doing this, and in the process harasses me by sending this many pieces of mail. I have given them forewarning in the past about this. Going forward, if I receive additional pieces of correspondence outside of the allowable " 1 '', they will be sent back to PHEAA, unopened. All additional pieces of mail will have their container photographed and dated and given to the appropriate parties. PHEAA clearly does not understand that while they feel wasting paper is a necessity, I feel it is an unwanted burden even if borrowers do go past due. Their arguments never make sense either. Some past CFPB complaint responses have the responder claiming that if " I would just make the payment on time, I wouldn't receive any correspondence. '' Well that would make sense if I was only complaining about 1 piece of mail within a small period of time. Apparently, the people working there are bad listeners, un-educated, and ignorant to the actual issues brought forward. Making comments or statements that seemingly appear simple are all these individuals can come up with because the entire organization is based on laziness and negligence. Just ask New York and Massachusetts.
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why it's there. I checked my report as usual, but this time, I saw unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This is extremely frustrating, and I need this resolved immediately. Please review the documents Ive submitted thoroughly so I can stop worrying about this once and for all.
Product: Debt collection

I had a XXXX account at my address in XXXX NE and when I cancelled they sent me a shipping label to send my equipment back. I had to call 3 different times just to get them to send me the label and tell me where to send the stuff back to. I finally got the label and was told to use any box, so I packed up the cable modem and wireless router and using their shipping label sent everything back to them. About a month later I received a bill for {$160.00} for unreturned equipment. I called them and said there is a mistake because I have a tracking number showing it was delivered and who it was signed by. She said " well we received one of them but we never got the other '' I said well that 's odd because they were in the same box. She informed me that was the problem because they should have each gone to a different address so that was the confusion. I explained to her that I had called 3 different times just to try and get a shipping label at all and was never informed they needed to go to different locations. She said she would take care of charges on my account and that was the end of it. I never received another bill after that. Next thing I know a few months later I got a notification that I had been turned into collections with XXXX for that same {$160.00}. I called XXXX and explained the situation to them and they filed a dispute which gave XXXX 30 days to respond. On XX/XX/XXXX I got a letter from XXXX that they are not currently handling my account anymore and any information that may have been reported to the credit reporting agency would be deleted. So I thought it was resolved and finally finished. Naturally you can imagine my frustration when I just received a notice from a DIFFERENT collection agency dated XX/XX/XXXX through IC System Inc attempting to collect the SAME {$160.00}. 

Bottom line, XXXX is charging me for equipment that I DID return and they 've confirmed that I did return it and should 've cleared my account. They 've tried to go through one debt collection agency and when that did n't work they are now going through another one. I do n't owe this money as I returned all of their equipment as required ... and they 've confirmed that!
Product: Credit reporting or other personal consumer reports

XXXX XXXX was disputed back in XXXX of 2023 due to my information being shared falsely/unknowingly without my consent and I would like it removed from credit report because I'm not sure if it's accurate or not.
Product: Mortgage

Loan Servicer has changed address to send payments to without informing me causing payment processing problems, for which servicer is attempting to blame me. 
Loan servicer has improperly reported me to credit bureaus as late or delinquent when this is not the case. 
I am presently current in my payments per loan agreement, but Servicer continues to harrass me.
Product: Credit card or prepaid card

The Avant credit card is in my son 's name, XXXX XXXX. My name is XXXX XXXX. My son has been in XXXX since midXXXX. I have a notarized POA issued by a Notary assigned by the XXXX XXXX XXXX in New Jersey. 

Avant service rep would not allow me to pay off any of is credit card statement over the phone and said I need to mail them a POA. I received the POA in early XXXX and e-mailed them a copy on XX/XX/XXXX. I received a email back on XX/XX/XXXX to with a phone number to call. I call this number and the service rep said that my POA was in there legal department for review. They would not let me pay on the open balance. I sent them a E-mail on XXXX that I thought a fraud may have occurred. I sent another email on XX/XX/XXXX and indicating that a fraud had occurred on the card back on XX/XX/XXXX and the XXXX. 
On XX/XX/XXXX I called again about the POA, the reported fraud and me being able to pay for his outstanding balance. Again the service rep said my POA was not approved and they could not help. Fees and Interest continue to be added to the open balance.
Product: Credit reporting or other personal consumer reports

This been a on going matter, I ask for a investigation that I never received, I also been reaching out to this company to resolve the issue and still have not received a response account XXXX XXXXXXXX account.
Product: Credit reporting, credit repair services, 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 1666A 1666B 1666C 1666D 1666E and 1666F. XXXX XXXX XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Summary : On XX/XX/year>, I obtained my credit report from TransUnion, which contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. TransUnion is improperly reporting charged-off accounts with an active past-due balance, violating 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and Metro 2 guidelines.

TransUnion failed to ensure maximum possible accuracy and is reporting misleading and incorrect data, harming my creditworthiness.

FCRA and Metro 2 Violations in My Credit Report : 1. Charge-Offs with an Active Past-Due Balance ( FCRA & Metro 2 Violation ) TransUnion is inaccurately reporting charged-off accounts with a past-due balance, which is non-compliant with Metro 2 rep
orting standards.

FCRA Violation 15 U.S.C. 1681e ( b ) : Credit reporting agencies are legally required to ensure " maximum possible accuracy. '' A charged-off account can not continue to have a past-due balance, as it has already been written off by the creditor.

Metro 2 Violation : Per CDIA Metro 2 guidelines, a charge-off must have a {$0.00} past due balance. Reporting otherwise is inaccurate and misleading.

2. Failure to Investigate and Correct Inaccurate Data ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed these errors, yet TransUnion failed to delete the false reporting within 30 days, violating my rights under the FCRA.

FCRA Violation 15 U.S.C. 1681s-2 ( b ) : TransUnion is required by law to reinvestigate and correct any inaccurate or unverifiable information but has failed to do so.

CFPBs Recent Lawsuit Against Credit Bureaus has already shown systemic failures in how CRAs conduct reinvestigations, and TransUnion is no exception.

3. Improper Reporting Practices Impacting XXXX  XXXX  By reporting both a charge-off and a past-due balance, TransUnion is misrepresenting my financial obligations and inflating the negative impact on my credit score.

This constitutes double jeopardy reporting, misleading creditors and affecting my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was identity theft. I spoke with the reps serval times about this matter from XXXX XXXX. A rep also told me this bill was paid. I asked why its still on my report??? I was supposed to receive checklist and email me as well but never did. I told them that I never lived at the address that was on the bill as well. They told to do a police report, XXXX removed the debt but its still reporting on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Acct # XXXX, XXXX, SYNCB : XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my phone was stolen. On the same day XXXX different transfers for XXXX dollars went from my Wells Fargo bank account to my XXXX  account. I filed a police report I filed a report with Wells Fargo and they didn't even want the police report. They sent a letter a week later saying I didn't give them information they asked for so they will not be reimbursing me.
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 XXXX XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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 of 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

I am not responsible for paying the accounts..I do not owe this debt nor the accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Product: Debt collection

Pioneer Credit Recovery keeps calling my mobile from phone number XXXX and leaving voicemails. They do n't seem to have any information on me yet they continue to call every day, I am positive this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX  XXXX {$87.00} XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Pandemic I had two credit cards with XXXX XXXX XXXX. One card was opened in XXXX XXXX and I had one late payment in XX/XX/XXXX. The other was opened XXXX XXXX and had 3 late payments XXXX, XXXX and XXXX of XXXX. I live in a state where we were shelter at home and I was told no late fees or credit reporting would happen during this time of the Pandemic. After checking credit report I see both accounts reported these late payments as promised would not happen. I was surprised to see this as I was assured it would not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XX/XX/year>, I was summoned into court by Attorney XXXX XXXX ( Law office of Kimball, Tirey & St. John representing the XXXX XXXX XXXX. XXXX filed for {$10000.00} against me. 

We appeared in court XXXX times and I brought evidence to prove to the judge that I do not owe this amount of money and the attorney XXXX XXXX then dismissed the case. Attached is the request for dismissal and signed by the clerk on XX/XX/year>. 

Though I do not owe this money to XXXX XXXX XXXX, the attorney and her collections department that works for her law office placed the amount of {$10000.00} on all three of my credit reports. XXXX, XXXX, and XXXX XXXX as a debit. 

The Attorney was so up set that she had to dismiss the case of loss she became vindictive. Knowing that if there is a debt for an apartment on sky credit report ; then it would make it impossible for me to rent from any other place again. 

That is exactly what has happened to me because they had placed this debt on my credit report. Ive been denied apartments to rent. 

I have asked them to remove it by sending a email but it was ignored. I also tried to dispute the debit with the credit report companies, and Kimbal XXXX XXXX report back to the credit agencies that I still owe the debt and to keep it in my credit report. I have a copy of the Court Dismissal of the case on XX/XX/year>. The XXXX XXXX XXXX and the Clerk of XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Case XXXX XXXX