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

In reference to an account of XXXX XXXX : XX/XX/XXXX - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Credit reporting or other personal consumer reports

The company is reporting credit inquiry information on my credit report without my written consent. My written consent is always required before my non public personal information is shared by any person other than me. 

I have never provided the company with any consent or implied consent to report such information. I contacted the company and the agents refused to provide me with proof of permissible purpose and written consent from me. The company refused to provide the information requested. It is clear that the company is negligent and willfully violating permissible purposes of consumer reports under the Consumer Credit Protection Act. 

The excessive inquiry information has ruined my credit standing and caused privacy issues which is causing me emotional distress. 

The inquires are listed as follows : XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a CapitalOne credit card that I have saved for emergencies and tried to not use it. I went on my CapitalOne site to pay my other credit card and I saw that CapitalOne closed my account. Apparently in my terms and conditions that I read 3 years ago but don't remember everything that if a card isn't used for a while they could close my account. I understand that this applies but there should've been a notice of closure 30 days prior, therefore I would've used my card to keep it active. When talking to the representative he said that a notice is usually sent out 2-4 weeks after an account closes! This is unprofessional as it gives me and other like me the consumer, no time or knowledge of what is going to happen. Now my credit score plummeted because it was closed by the creditor and now I don't have this emergency card. Their answer to all of this, " I should apply for another card. '' This doesn't work for me, I want my card activated again and my credit score to  go back up but CapitalOne is not being helpful. This is a huge scam!
Product: Consumer Loan

I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month. 
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls. 
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX! 
I would appreciate any insight that you may have have on this. Thank you very much. 


Motor Finance
Product: Credit reporting or other personal consumer reports

EXPERIAN is reporting inaccurate information on my credit report. Same collection is being reported twice on my credit report and caused my credit score to drop significantly.

According to FTC this is a violation and is named in lawsuit CFPB has against EXPERIAN
Product: Credit reporting or other personal consumer reports

False reports thru credit Karma saying I have a 90 % approval rate
Product: Credit reporting, credit repair services, or other personal consumer reports

Why after I paid collection debt, my credit score has been dropped so far? I proposed to fixing my credit score for refinance but it caused me a problem.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to TransUnion. Can this be corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was 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 are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. I tried to fixed it so many times. why still in my credit report please make an actinPlease remove it immediately or elso I will file a complaint. XXXX 's the lists XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit card or prepaid card

This is a complaint for credit card denial dated XX/XX/XXXX. The reference number XXXX for denial. I and discussed my credit history and stated the conclusion could not be correct based on the facts. They denied me for late payment I have not had a late payment since XX/XX/XXXX when I filed bankruptcy form the recession. I have a credit score of over XXXX and income of over {$100000.00}. I told them i would provide my tax return. I have less than {$32000.00} in total debt and {$30000.00} of that is on installment loans with payment of {$1100.00}. I told them the reason i had inquires was to get a business line of credit because my company was expanding and sales has increased over 300 %. So given that information it's not clear how I could be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Transunion is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Transunion credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Transunion is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Transunion for their predatory practices that need to be stopped immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Call XXXX  due to them sending me emails about my account. Have the free credit monitoring with them. Gave my member identification with them and the were asking for my name, social security number, and date of birth. They kept switching back and forth from membership department to other departments. Tried to resolve this with them but, no success.
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 Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$7500.00} XXXX XXXX XX/XX/2022
Product: Checking or savings account

The banking institution PNC bank had marketed the payment processor for credit cards for my business. I had accepted the offer and also accepted that they would waive the sign up cost. I immediately started doing business with this processor and PNC bank froze 100 % of my funds and refused to release them for 6 months. 

Besides this, the most wrong part was that after fighting with them they allowed me to refund the customers in caution of chargebacks since I could not provide the services without the funds. 

The worst part, PNC charged me the processing fees even though I could not recieve the funds therefore putting me in the negative. 

The case number with PNC is XXXX Business Bank Account XXXX
Product: Debt collection

I started recieving unwanted phone calls from southwest credit collections agency from phone number XXXX they would call me at work I work Monday through Friday XXXX XXXX  to XXXX I had to block them because they call multiple times they even spam me with phone calls 3 calls in a row just a hour apart
Product: Vehicle loan or lease

In XXXX I was excited to buy a used car from Car Mart I bought a used XXXX XXXXXXXX XXXX First week car ran fine after the first 35 day 's I went out of town where vehicle almost killed my entire family. For no reason the gas pedal quit working while 9n a highway Infront of a speeding semi and I had to run off the road to save us. When I tried to pull back off car would only do ten miles a hour which we had to pull over again. I was stuck there on the side of the highway for over a hour and car ran fine again. I immediately took it too the shop and said they would take care of it. First week ran by they lost the car keys claimed I had them second week I was told it wasn't ready mind you I am still making my payment on time 3 months I paid I got to drive it for 35 day 's finally get the car back all is great then it did it again I called and told them and instead of asking questions about when can they repair it I was a day late on a payment because why would I pay for a car that could harm us. I called and they said it be another 2 weeks for it to get to the shop so I immediately took the car too em they threatened it be a voluntary repossession I said whatever keeps my family alive and gave em the keys. They resold the car too some poor soul and still put past due and repo on my credit and when I tried to dispute it went right back on my credit mind you it's not on all 3 it's on one and still no one wants to hear me so this is my next step. Yes I do feel when you owe you should pay but also if the vehicle is dangerous how dare they put it 9n my credit if they had the car more then I did? Lemon law is only 30 days but for a XXXX XXXX XXXX grandma I don't go out of town unless it's family events so to worry if the car gon na kill us why do I not have any rights to return it and not loose my XXXX credit score now due to them selling a death car I lost XXXX points of my credit score and that's just XXXX and wrong
Product: Credit card

On XX/XX/year>, I made reservations through US Bank XXXX XXXX XXXX for XXXX XXXX flights from XXXX to XXXX and XXXX to XXXX. It cost me XXXX points + {$500.00} while the cash amount was charged to my US bank credit card. 
US Bank XXXX XXXX did not book business class for me for the XXXX segment. I called them on XX/XX/XXXX and XX/XX/XXXX and they were still lying to me. I was put in a economy class on XX/XX/XXXX. 

On XX/XX/year>, I filed a credit card dispute with US bank against their travel center. On XX/XX/XXXX, US bank deny my dispute and tell me that I have " we have determined that we are unable to assist you in resolving your dispute as you received the services represented by the transaction '' I paid for business class and I did not get what I paid. Economy class does not have the service as business class such as flat seat, fine dining, priority checking and luggage delivery.
Product: Debt collection

I reported to the credit bureaus and to the collection agency sent letters of validation and I asked the credit bureaus to verify these accounts on several occasions
Product: Debt collection

I contacted my lawyer who settled this insurance claim for me and he told me that, " We were unaware of any  XXXX  doctor charges as they were never disclosed by anyone to our office in your case. Nonetheless the time for the  XXXX  doctor of the collection agency to enforce this judgment, unless they have filed suit and we do not know about it, has expired. I checked the  XXXX   County  courts website under your last name and did not see any lawsuits with you listed as a party. '' I am have disputed it with   XXXX   plenty of times and it always comes back updated with an increase in the bill amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide any proof of evidence..CFPB please delete the accounts  XXXX  XXXX XXXX**, (Original Creditor: ) XXXX** , XXXX  XXXX XXXX**
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I sent {$250.00} to fifth third XXXX card by mistake via the Internet from my credit union. I called them on the XXXX. They said we have not received the money yet I said okay call back next day they said yep takes 10 business days to get it back I call back on the 10th business day and now they say takes 5 to 7 days to get money in the mail that 's funny it only took 30 seconds for my internet to transfer the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}
Product: Debt collection

I do not owe anything to Fair Collections and Out nor have I agreed to anything or signed anything with this company reference any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect accounts that is reporting on my credit file, since XXXX 2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending letters in regard to a bankruptcy that they claim has been verified by Lexis Nexis but the information they are reporting does not match the Lexis Nexis Report, XX/XX/XXXX,XX/XX/XXXX orXX/XX/XXXX report. I also looked on XX/XX/XXXX and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXXand Lexis Nexis about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXX has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, LexisNexis,XX/XX/XXXX, XX/XX/XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XX/XX/XXXX confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XX/XX/XXXX shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided byXX/XX/XXXX in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy CourtXX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXReport # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX and LexisNexis shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from XX/XX/XXXX Why isn't Lexis Nexis telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?