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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion continues to allow my report to be accessed by not locking my report immediately after. I have documents that support XXXX requesting Transunion to remove the Inqs, XXXX is fraud hence they removed the accounts so the Inquiry remaining makes no sense, XXXX bank XXXX TIMES! thats absurd I just opened a checking account, XXXX a " XXXX XXXX '' which appears to be a dealership in XXXX XXXX!!!! How derelict can they be! REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME MY REPORT ALONG WITH A PROPER INVESTIGATION. 

SEE THE ATTACHED AND REMOVE THE INQS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the XXXX XXXX I opened a dispute, they said they changed my account to being in forbearance, I called them and they stated that they didnt see why it would be coded as that but they couldnt corrected it right now. I am trying to buy a home and I cant because of this terrible mortgage company. I feel as if they re retaliating against me for contacting CFPB and XXXX  because of their tactics. I asked to speak to someone that can make decisions and they WILL NOT LET ME speak to anyone else. Also when my mortgage was bought I had a XXXX dollar inspection fee from them to which was charged before they owned my account. This company is like dealing with a little child I can not get any information from them to help. I have not given written consent nor verbal consent to put account into forbearance as I have been paying my mortgage. This company has to be stopped they are messing with myself and many other families.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : TRANS UNION AND TRANS UNION LLC FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANS UNION HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX, Capital One has charged nine cash advance fees in the amount of {$90.00} ( total ). I called the Capital One and they mentioned that they have changed the category for XXXX and started charging this fee. My son who is a teenager student uses this account as authorized user and never knew about excessive fees in using the card. For example, my son paid {$6.00} for a transaction and the capital one charged {$10.00} fee as cash advance. I requested these fees to be refunded since I was not disclosed about this before and my son has used XXXX many times prior but was never charged the cash advance fees. Actually, it is not used as any cash advance purposes. I have called and closed the account because of the deceptive practices used by the Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me XXXX  for credit. but next day there it was on my report. 

So I called the XXXX  ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....
Product: Vehicle loan or lease

In XXXX of XXXX, I leased a XXXX Kia from Kia Motors Finance through XXXX XXXX XXXX in XXXX, Indiana. After one payment, I bought out the balance of the lease. Since I am an Ohio resident the dealer explained that they were required to collect the Ohio sales tax in the amount of {$2000.00} and forward it to Ohio. They collected the {$2000.00} from me at that time. They did not forward the collected tax to Ohio! Therefore, when I registered the XXXX and purchased license plates, I had to pay the Clerk of Courts in XXXX County, Ohio the {$2000.00} sales tax. 
I contacted Kia Motors Finance requesting a refund of my original {$2000.00} early in XXXX. After several calls over the first three months of XXXX, they sent a check for {$2000.00} datedXX/XX/XXXX directly to me. However, the check was made payable to the Clerk of Courts. Obviously, I couldn't cash it. As I expected, the Clerk of Courts wouldn't accept it and give me the cash. 
Over the last five months, I have made one or two calls each month and mailed or faxed three sets of documents to Kia Motors Finance showing proof of the tax payment to Ohio and each time I have requested a refund. During the first three calls, I was told each time a check would be mailed to me within 3-10 days. The last two months, I was told that Kia Motors Finance can only issue checks to Clerks of Courts so they have no way to refund my {$2000.00} to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using metro 2 compliance. They are also directly violating my consumer rights As per Section XXXX ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 dispute letters to each bureau, EQUIFAX, XXXX, XXXX. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC REPORT ).
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. 

List of Unauthorized Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received an email from XXXX XXXX indicating that a hard inquiry had hit my credit report ( Equifax ). It showed as a hard inquiry from XXXX on XX/XX/2018. I do not have XXXX nor did I apply to receive any of their services. I have called Equifax and they said I would need to call XXXX to have them contact Equifax to have the inquiry removed. I called XXXX and they said I would need to call Equifax. I have been bounced around by everyone. My credit score is over 800 and I do not want a fraudulent hard inquiry be reflected on y credit. You help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed Experian, XXXX, and XXXX letters multiple times between XX/XX/ and XX/XX/. I have explained to each of these reporting agencies that there is an account showing on my reports that IS NOT MINE, it is INACCURATE and does not belong to me. I have wrote each of these credit reporting agencies and explained that I have no knowledge of this account and it is identity theft.
Product: Debt collection

American First Finance has violated my rights as a consumer. I have made several attempts to resolve this issue with the company. They have yet to respond or adhere to my request. American First Finance is furnishing this debt without providing the proper validation.
Product: Checking or savings account

The bank took away my capability to earn points. I'm below a threshold of cashing in my points on my account for a gift card. I'm just shy of XXXX. The lowest amount I can use is XXXX. I do not have an option to cash in my remaining points.
Product: Debt collection

XXXX XXXX ME LLAM y ME DICE QUE SI NO RESUELVO LA XXXX XXXX XXXX EN XXXX XXXX, LA XXXX XXXX XXXX XXXX.
Product: Credit card

I recently starting having the same problems with Klarna again that I was having last year before I submitted the complaint on XXXX. About 2 months ago i was able to use my Klarna account with no issues and all of a sudden the same issue starting happening again. It is now saying that my score is missing from my credit report from XXXX. I have called XXXX several times regarding this issue and they are saying that they don't see anything on their end, but the adverse action I keep getting is that the score is missing from my report.
Product: Debt collection

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Product: Credit reporting or other personal consumer reports

I looked at my credit report earlier this year and noticed 7 accounts that are reporting inconsistent information/inaccurate across all 3 credit bureaus XXXX experian XXXXi asked the company 's to investigate, and I keep getting the accounts updated with inaccurate information.they are reporting charge off accounts repeatedly and it is manipulating the statue of limitations.the following accounts are violating my federally protected rights and I'm requesting {$1000.00} per violation I've counted XXXX and violations from all of the inconsistent reporting.please pay me or delete the accounts.ive been battling stage XXXX XXXX since XXXX of XXXXXXXX XXXX XXXX XXXX XXXX repossessed my XXXX with no notice in writing or by phone.while I was in hospice and they left me with no transportation.because of there predatory lending practices I Became homeless and not able to get back and fourth to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or go to the grocery store.please help me protect my consumer rights against the following company's.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 have all inaccurate/incomplete information reporting inconsistent information across all 3 credit reports XXXX experian XXXXplease help me I need to buy a car to get myblife back in order and I'm not able with 2 repossessed cars on my credit report.
Product: Credit card or prepaid card

On Wednesday, XX/XX/2023, I applied for a Capital One platinum credit card and was approved. The following day, Thursday, XX/XX/2023, I tried to set up an online account, but received a message stating that I already had an existing account. I have never had a Capital One account, so this raised a major red flag. I hit the forgot username password, and the Capital One system prompted me to type in a verification code that would be sent via text, but I noticed the number listed was not my number. Then, I received an email with a username that I did not recognize at all. So, I called Capital One and explained to the what happened and I have been a victim of fraud. Capital One informed me that they will closed the account that someone previously signed up for with my information. Capital One informed me that this person had a checking and savings account set up. I'm not sure if they have credit cards or other accounts with other institutions using my info. I am assuming they got my info last year, when my cell and bank account was hacked. If I had not applied for a credit card with Capital One, then I probably would have never known, until I received my credit history or credit report trying to make a big purchase like a vehicle or house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under XXXX 's record. This account was removed on XX/XX/2023 and I was expecting that TransUnion would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX I noticed that my Equifax credit score dropped dramatically when there had been no change in my account activity. I logged in to see what was going on and noticed that 1 ) My first name was now misspelled, and 2 ) An address where I never lived had been added. I filed a dispute on both counts, uploading a passport and drivers license to confirm my identity. 

I filed a dispute in mid XXXX and received a notice earlier this week that it had been corrected. When I logged in yesterday, neither error had been corrected. 
I filed a new dispute and received notification today that the correction had been made The dispute numbers are : XXXX XXXX I called this morning to alert them to the problem and an incompetent call attendant did not understand the problem, then told me I had to upload my social security card -- when the instructions did not say it was a requirement. She then claimed she corrected both issues, but did not understand why I was concerned that this incorrect information was now in my file. I asked to speak with a supervisor, and she said yes then disconnected me. When I logged back in the errors were still in my file.
Product: Debt collection

I talk to the property multiple times maybe 2-3 times to understand why I still owed something If I paid my last rent payment and the apartment wad left perfect, property states I am paying water and because I return the key a day before than I was supposed to so I had to pay a total of {$210.00} and they were supposed to create a case to correct the amount but never did and so they sent me to collections without me even knowing. contacted the collections agency and they are giving me all the incorrect information stating that I owe that money because I gave them the notice to vacate TOO EARLY and that is why the other fees and contacted the property back and they dont have a charge for that it doesnt exist ir work like that and they keep telling me they credited my account to {$210.00} instead of {$310.00} but the debt collector doesnt contact them and just gives me wrong information everytime I call them, they interrupt me dont let me explain and also leave me on hold for XXXX minutes for me to hang up Ive also been hang up on many times just to not fix my issue I wsnt to pay the {$210.00} which is the correct amount and they just threaten that they will report to the credit bureau soon. There are charges for XXXX when I moved out on XXXX just fishy stuff
Product: Prepaid card

XX/XX/23 {$7.00} Cash app card used to make a purchase at XXXX, mobile order. 
I had an offer showing in my card for 5 % off any XXXX purchase. This was an offer that I had previously used two days before and it was still showing in my card as 5 % of and XXXX order. So I thought cool I get XXXX and save 5 %. 
The offer didnt apply. I reached out to cash app to ask why this offer was applying. They said that the offer is a valid offer to be used every 7 days. None of this information was advertised on my already selected offer. I had to make two clicks to drill down on the offer before seeing any sort of terms. 
But it let me select it on my card for use. They could not tell me why I couldnt use this offer if it was valid, ( their claim of it being valid ). I requested definitions and company policys none of which were provided to me or direction given to find such company policys.
Product: Credit card

Bank of American charges interest on on purchases which are paid XXXX % on or prior to the due date & even when set up to autopay on due date, they pay a day late ( to themselves ) & collect interest. Most months I carry no balance forward, yet they charge me interest monthly & only retract the charges when I complain. The next month, it starts again with 18.74 % APR. Other credit card companies/banks like XXXX or XXXX do not do this under same circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im  depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Debt collection

I sent multiple certificates letters asking for purchase agreement. Recieved someone elses information. I deny this debt as I never owned a XXXX XXXX XXXX XXXX They failed to provide purchase agreement as requested.