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

I have been in contact with equifax trying to get the inquiry XXXX from XX/XX/XXXX, off of my credit report. I DID NOT EVER AUTHORIZE permission for the said company to pull my credit. I won't this to be removed as ensured by federal law. Also at this time I'm also seeing a new inquiry listed as XXXX inquiry date XX/XX/XXXX from business type Miscellaneous Reptg. Agenciesthis was not on my report two weeks ago and is damaging my report. Why all of a sudden is this XX/XX/XXXX inquiry effecting me? This goes against federal law FCRA. There is no contact information provided for this frivolous inquiry. And I never ever received a letter for this as well. 
XXXX XXXX XXXX  has removed this inquiry from my XXXX report and I demand it to also be removed from Equifax immediately per FCRA. I also want validity and verification of the other mentioned inquiry and I want it removed. I Do not want to be forced to bring a small claims suit for restitution on this matter but will.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to update this late account from my reporting : XXXX XXXXXXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought a new car XX/XX/2018 the financing department hit my credit with a hard inquiry for a loan 3 times bringing my credit down 30 points. I have contacted the car lot and Transunion explaining to the the other two hard hits on my credit need to be removed because I only bought one car not three. There was no need to hit my credit report three times for the same new car.
Product: Debt collection

Good afternoon, I need your help with this issue with 2 collection account with the same company ( Resurgent Capital Services ).

I sent 3 different certified mails ( USPS ), in the las 7 months, getting the same response from Resurgent Capital Services. 
I have been asking for the verification of that debt. In all 3 situations, they send me the same response ( attached : copy of an statement which does not represent a valid validation ). 
I have been sending letters with this response : " Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed through XXXX XXXX in XX/XX/XXXX that a 30 day late was added for XXXX XXXX  (Creditor: XXXX XXXX XXXX XXXX XXXX XXXX). I disputed with XXXX and TransUnion immediately after encountering the error. I sent proof of payments and XXXX removed the erroneous late, however, nothing happened with Transunion, so I submitted the complaint again to TransUnion, but this time online instead of through the mail. I also contacted XXXX XXXX XXXX XXXX and spoke with XXXX  XXXX in Collections who confirmed that I had satisfactory payments and did not know where the late payment was coming from. I was advised by the credit union that they could not remove anything without the dispute. I finally received a letter from Transunion stating that they verified the information as correct. XXXX XXXX XXXX XXXX did not receive the dispute and is confirming that I was not late. I have gone through Transunion two time and will be doing it a 3rd which is completely unnecessary. It is unfair to have erroneous information on your credit report.
Product: Credit card or prepaid card

I filed a dispute on XX/XX/XXXX for a charge of {$390.00} from XXXX XXXX. I was provided a conditional credit until the dispute was resolved. 
On XX/XX/XXXX, I received notification that the dispute had been resolved in favor of XXXX XXXX   following a review of documentation provided by the business and the charge was put back on my account. The documentation was included online for my review and it was quite obvious that it had not been reviewed by Citi Cards since it contained a resume for and correspondence with someone other than myself. 
I sent an email to the dispute center and copied the executive response unit outlining the details, providing my own documentation, and stating my objection to the decision. 
On XX/XX/XXXX, I received a voicemail from XXXX XXXX from the Citi Executive office. She said she was reviewing the case and would get back to me. In the meantime, a conditional credit was being added back to my account. 
On XX/XX/XXXX, I reached out to XXXX to follow up. She returned my call and let me know that she could see that the merchant had provided documentation that did NOT pertain to my transaction. She explained that she would have to follow up with the merchant allow them time to respond. 
Today is XX/XX/XXXX. I have left voicemails for XXXX twice this week. If she's on vacation, her voicemail recording does not mention it. I have not heard from her since our conversation at the end of XXXX and the dispute center lists the dispute as " IN PROGRESS ''. 
It is my opinion that the documentation I provided is thorough and complete. The merchant has had ample time to respond with ACCURATE material and Citi Cards has had more than enough time to resolve this dispute.
Product: Debt collection

XX/XX/XXXX spoke wit XXXX @ Portfolio Recovery and was informed address on file is XXXX XXXX XXXX. I was also informed account opened XX/XX/XXXX. I have ask validation letter to XX/XX/XXXX spoke with XXXX and she have indicated there is no information on file to send out validation debt. XX/XX/XXXX spoke with XXXX @ XXXX and XXXX to request validation letter. XX/XX/XXXX spoke with XXXX. As of today I still have not received validation letter. On XX/XX/XXXX XXXX and XXXX  have deleted report due Portfolio Recovery not able to verify debt. I ask to assist with deleting account.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. Im filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card and loan accounts opened at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A number of these accounts ( both in Collection and or Hard Inquiry status on my credit report ) appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not the aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because XXXX XXXX NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.XXXX XXXX reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.
Product: Debt collection

Me, my husband is in a XXXX  XXXX bankruptcy and the payments that have been made is over {$57000.00} that went towards the mortgage, us bank is paying on the interest and barely paying on the principal, and which interest is supposed to stop after bankruptcy XXXX  XXXX is filed with a payment plan. We send monthly statements, I called to request an itemized statement from the escrow department, we never received it. Only received our monthly statement. I would like an investigation into us bank and how they are posting payments that are sent to them. We want to make sure they are posting the money correctly, accurately. Also there was a Ach that should have been posted to our mortgage account over 2 weeks ago. The electronic payment has cleared, they still havent posted the payment ; along with the trustee from XXXX  XXXX payment plan sent over {$5000.00} to US Bank that was over 2 weeks go that didnt get posted either based on the current statement they sent us. I have attached the most Recent mortgage statement they sent us that didnt add up to whats being sent to US Bank .
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email from the US Department of Education notifying me that my student loans have been forgiven in full by the XXXX - XXXX Administration, and have been paid off in full. The loan discharge is effective as of XX/XX/XXXX. This notification also contains the following statement : " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' On XX/XX/XXXX, I checked my credit report with all three Credit Reporting Agencies. All three reports were incorrect- they still showed the full outstanding balance on my student loans. 

I filed disputes with all three Credit Bureaus. XXXX and XXXX corrected the erroneous reporting within the 30 day deadline. XXXX and XXXX now correctly show that the loans have been paid off. 

Experian notified me of their dispute resolution on XX/XX/XXXX. Experian did NOT correct the loan amounts outstanding. Experian updated the amounts with a larger amount due, which is also incorrect, and which caused my credit score at Experian to drop by XXXX points. 

Evidently, Experian did not do any research on my dispute. Consequently, Experian is in violation of the Fair Credit Reporting Act as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXX XXXX  they weren't doing anything I did dispute letters with Equifax Equifax told me that I had to call the consumer phone consumers are saying Equifax put it on there
Product: Credit card

This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. 
Please advise.
Product: Credit card or prepaid card

I had an account balance of {$56.00} on my XXXX XXXX credit card in XX/XX/2018. I tried to pay it in full but the payment was " reversed '' that month. The following month, I paid {$57.00} and thought my account was paid in full ( including any interest ). I didn't realize that XXXX XXXX had charged me {$27.00} in late fees at that time. XXXX 's then proceeded to charge me ( i ) late fees of {$27.00} and interest charges of {$2.00} in XXXX ; ( ii ) late fees of {$38.00} and interest charges of {$2.00} in XXXX ; ( iii ) late fees of {$38.00} and " interest charges on purchases '' of {$2.00} in XXXX ; and ( iv ) late fees of {$38.00} and " interest charges on purchases '' of {$3.00} in XXXX. My account balance is {$180.00}. I have electronic billing and did not realize this balance was accumulating until I received a letter in the mail recently. 

I called XXXXXXXX XXXX to request removing this large sum of late fees, especially considering I had already paid of my balance -- each fee itself is high and seemingly untethered to any balance. I spoke with three different people in customer services, collections, and escalation, and the most I was offered was waiver of the last two late fees, totaling {$76.00}. I requested that waiver and asked if there is anyone else I may speak with because the fees seem unreasonable and punitive simply for failure to pay the initial late fees. I was told I can speak to whomever but the most the system allows is for someone to waive two late fees. 

I am retired and unable to afford this. I don't believe it's reasonable for an institution to stack late fees upon late fees with no apparent cap, and totaling in nearly {$200.00}. I was even told that if I don't pay the balance by XX/XX/XXXX, XXXX XXXX will charge another {$38.00} in late fees. I would really appreciate your help in sorting this out because I simply can not afford these crushing and unfair fees. I also note that my account still does not reflect that any of the fees have been waived, as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card from Capital One is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified Capital One that this is not my account and i don't want to be on anyone 's card. However Capital One continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one and XXXX XXXX reported late payments when they were XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is re-aging debt by changing the date of first delinquency. This debt is reporting past its statue of limitations. Its been past 7 years from the day my account went delinquent. XXXXXXXX XXXX has changed the date of first delinquency twice now and Experian has not removed this account. Reporting accounts past their statue of limitations is a violation of my rights under the FCRA. This account has already been removed from XXXX and XXXX XXXX. Experian is the only credit bureau allowing this illegal reporting.
Product: Debt collection

XX/XX/year> Allie financial sent a third party my personal information without my consent to come and steal my vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to Transunion dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to Transunion or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Product: Credit reporting

There are XXXX liens showing on my Equifax report. The federal tax lien has been withdrawn. XXXX and XXXX have removed the Federal Lien as the IRS withdrawal notice requires. Equifax has not. In addition There are XXXX State of Ohio Tax Liens on my Equifax that have not been deleted or updated as far as I can tell. XXXX and XXXX have deleted these liens as requested by the State of Ohio.Equifax has not.
Product: Credit reporting or other personal consumer reports

Inaccuracy of Reporting** : The primary reason for my dispute is that multiple charge-offs for the same debt are inaccurate. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Once an account is charged off, it can not be charged off again for the same debt. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.
Product: Student loan

I have been paying on time since XX/XX/XXXX. My last payment was accepted XX/XX/XXXX as XXXX was transitioning to XXXX. Now that XXXX is servicing my loan I can not log in, and the system is not recognizing my social security number. I can't access a human being on the phone line because, again, the system isn't recognizing my social. I necer received any email from Conduent after this initial email from XXXX> Here is the last correspondence I received regarding my loan : Dear Borrower, This is to notify you that as of XX/XX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ). You should have received notification from your Lending School and/or the new servicer with your new contact information for this debt. 

If you have not received notification regarding a new servicer for your account, please contact your Lending Institution directly. 

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

I had a checking account with Citibank, account number XXXX. I closed my checking account in XX/XX/2020. The checking account also had a Checking Plus Line of Credit attached to the regular checking account to pay any overdraft fees. I assumed the add-on account would be closed at the same time. I was unaware that there was a balance on the Checking Plus Line of Credit. Subsequently, Citibank reported me to the credit reporting agencies as being 30 days late for {$22.00}. I have paid the account in full. 
I asked Citibank to remove the derogatory information from my credit bureau because they did not inform me of the balance on the add-on account when I closed the parent account. When I informed Citibank that I would like to file a complaint they told me that I need to talk to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX 2021 a company called United Auto credit ( XXXX ) and another company called XXXX XXXX ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.