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

there was a multiple computer glitch with transunion that caused my inquires to be deleted. and then those inquires reappeared. The Glitch is transunion 's problem and not mine. Transunion added all these inquires back on to my report without giving me the legally required written notice 5 days prior to them re adding them. i contacted transunion, in good faith to ask them to delete the inquires that they had illegally readded.
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i called transunion at XXXX on XXXX XXXX  2017 and spoke with XXXX XXXX for 11 mins and 41 seconds. he said he could n't help me and i had to deal with it. He said he does n't have the authority to delete the information i tried again to see if anyone else at transunion would go above and beyond to assist me. I spoke with XXXX XXXX at XXXX on XXXX/XXXX/2017 and was met with a harsh reality that employee at transunion let me down. i asked to be transferred, he refused, and told me he could delete the inquires. after multiple attempts i told him the situation and he refused to help me.
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These inquires are a hardship and that my rights were violated by transunion. i need the CFPB to help me stop transunion from victimizing me. and everyone else
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unnotarized accounts/information reporting to my credit report. I am writing to formally request the removal of unauthorized inquiries. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 

The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA. 

XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date XX/XX/XXXX As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 

Supporting Documentation To further validate this request, i have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity.

Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent.

The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than 14 days from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my  personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to reporting issues with this closed account on my credit reports. There are serious errors in reporting on each bureau that clearly shows different payment history on each report which has directly affected my credit standing. This has been challenged multiple times and continues to not be updated by the bureaus despite being sent the reports of the inaccuracies. Per the FCRA this is a clear violation in reporting accuracy. I want this account removed immediately from my credit reports due to inaccurate reporting and the decline of my score that has came with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion that XXXX XXXX  was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX XXXX  that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX XXXX  has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, XXXX XXXX  also signed off agreeing to everything I just typed. We feel the attorneys representing XXXX XXXX  is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at XXXX they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified Transunion of the error in reporting our mortgage status and within 1 hour I was notified by TransUnion that they deleted the trade line from our credit bureau. Now it appears that if you ran our TransUnion Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.
Product: Checking or savings account

I have been a long-standing customer with US Bank and have been extremely satisfied with this bank. Unfortunately due to fraudulent activity I had to close one account and open a new one ( fraud department was extremely helpful and I appreciate it ). I submitted my new banking information to my employer to enroll in direct deposit unfortunately that is taking a while. On XX/XX/22 I deposited my paycheck and was informed by a customer service representative that the hold on my check would be released on XX/XX/22. On XX/XX/22 my account is overdrawn, I spoke to another customer service representative who informed me there was a hold placed on my account until XX/XX/22 but that I could speak with the bank manager as they had the authority to lift the hold. On XX/XX/22 I went into the branch and spoke with the bank manager who informed me the hold was placed by the fraud department and he would be unable to lift the hold until XX/XX/22. I have also been attempting to get in contact with the Regional Manager to no avail. Meanwhile my car payment will be returned and I will keep incurring fees until this is resolved. Bills are not understanding, they become due regardless of circumstance. Not only will I keep incurring fees but now my credit will also be affected because of this hold. I missed work today because I do not have money to put gas in my car. I would like this hold removed immediately. 

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX i paid my first payment with my apple credit card to order XXXX to start a XXXXXXXX XXXX XXXX XXXX i made the second final payment before shipping product to me on XX/XX/XXXX i received the item on febuary XXXX XXXX i filed a dispute on XX/XX/XXXX with the seller due to material being shorter than stated as well as horrible quality ( seller admitted to this ) The seller refused to give me a refund and allow me to ship it back so i disputed it on my apple credit card and i sent apple all the chat and even proof stating that the company gave me bad quality print on the XXXX and at the end of the dispute they sided with the seller which makes no sense since the seller admitted to giving me back quality product then what was promised Also they forgot to put the word XXXX on XXXX
Product: Credit reporting or other personal consumer reports

Requested immediate removal of unauthorized accounts pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for Transunion records. 
Details of the unauthorized accounts on my consumer report for removal : 1.Name of Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Details of unauthorized inquirer on my credit report : 1.Name of Inquirer : XXXX XXXX Date Requested On : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Nelnet student loan is being reported as closed, however it is not closed.
Product: Consumer Loan

I am past due on my car loan. I 've made it clear that I ca n't have any calls at my work and that the only number I have is my cell phone. both yesterday and the previous days I get at a minimum XXXX calls. yesterday ( XXXX/XXXX/16 ) I had a total of 5 calls ( 4 to my cell phone and 1 to my work ). my cell phone calls were done at XXXX XXXX ( a voicemail was left ) XXXX ( another voicemail was left ), XXXX, and XXXX. I also had a call on my work phone around XXXX where the agent id herself and after I hung up the phone she called my cell phone AGAIN at the XXXX time. this is common. I get multiple harassing calls and they even continue AFTER a voicemail is left or AFTER I had contact with someone. I just started my job and I got in trouble for the harassing calls - this is why I made it crystal clear that they can not contact me at my work. I called Regional Acceptance and have since Ceased all contact because I ca n't trust them to follow Debt Collection LAWS when it comes to my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for my son home mortgage and vehicle loan over a year ago and for some reason his address was changed to mine and his home and vehicle were added to my credit report causing my credit score to go down XXXX points because of all the new credit I now show owing. I disputed his address not being mine and it was just corrected but now his credit is still showing on my credit report ad mine.
Product: Debt collection

I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.
Product: Vehicle loan or lease

I am filing this complaint to address an unacceptable and unethical practice by Exeter Finance regarding their handling of my Servicemembers Civil Relief Act ( SCRA ) agreement. I submitted the required SCRA documentation in XX/XX/year>, shortly after enlisting in the United States XXXX XXXX. At that time, I provided the necessary proof of my active-duty status to ensure my rights under the SCRA would be upheld.

Recently, I discovered that Exeter Finance has deleted the SCRA agreement that was on file. This deletion is not only a violation of my trust as a customer but also raises serious concerns about the companys recordkeeping practices and its compliance with federal regulations.

Why This Is Wrong : Negligence in Recordkeeping : The deletion of my SCRA agreement demonstrates gross negligence in Exeter Finances recordkeeping practices. The SCRA is a federal law designed to protect active-duty servicemembers like myself, and proper record maintenance is essential to ensure those protections are upheld. The deletion of such a critical document compromises my rights and protections under the law.

Lack of Accountability : As a financial institution, Exeter Finance has a responsibility to maintain accurate and complete records, especially when dealing with legal agreements that impact a customers financial obligations. Deleting my SCRA agreement suggests a lack of accountability and attention to detail, which are fundamental to any company entrusted with sensitive financial information.

Potential Violation of SCRA Protections : The SCRA provides critical protections to servicemembers, including interest rate reductions and protection against certain adverse actions. By deleting my SCRA agreement, Exeter Finance has jeopardized my ability to enforce these protections and has failed to meet its legal obligations under the SCRA.
Product: Mortgage

I submitted all of my paper work to stop foreclosure of on my home and was unable to get any assistance. I had to file XXXX in 2008 to keep me and my kids from being put out of my home when i was not advised about the arm mortgage. I submitted all the paper work for months and they kept saying they didn't receive anything from me.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX please block this information from my credit report within 4 days pursuant section 605c
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through XXXX XXXX XXXX on XX/XX/XXXX and again through Franklin collection sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of  the reporting agencies needs to be removed. And they need to stop re reporting it as new.
Product: Credit reporting or other personal consumer reports

My SSN was used to open a credit card with Capital one Bank.
Product: Debt collection

Someone stole my identity from XXXX I have a police report this debt doesnt belong to me
Product: Credit reporting or other personal consumer reports

I checked my credit report and I am upset about what I found out. There is a XXXX payment remarked on it but I did not incur any XXXX  payments.
Product: Mortgage

I was contacted by Quicken Loans dba. Rocket Mortgage to refinance my VA loan that they serviced. The terms looked good so I agreed and the process began. Everything appeared to go well until the closing approached and the numbers agreed on had changed. I requested that the refinance be terminated and was told it would be so. I was contacted by a 'Resolution Specialist ' and was told he would look into it. He got back to me and explained the increase in payments was due to escrow increases which I agreed, and the refinance went forward to close. My closing was on XX/XX/XXXX and the numbers were as agreed. Six days after close I was told the payments would be higher due to an insurance payment that was made and my payments would be increased. The next day I called and requested cancellation of the refinance and was told it would move forward. Meanwhile I had to make a payment on the original loan to avoid a late penalty.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence XXXX XXXX XXXX Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice. Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. I am sending this letter as the sender, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. Thank you for your prompt attention to this matter. I anticipate a swift resolution. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that EXPERIAN, XXXX and XXXX illegally allowed collection agencies has reported this debt to my consumer report. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provide written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and the debt collectors listed below including the original contract between me ant mentioned debt collectors within 15 days of receiving this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. Done in good faith-All Rights Reserved-Without Prejudice-Non Assumpsit
Product: Checking or savings account

A JPMORGAN CHASE XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Threatening calls and messages after payment arrangements were and have been set up. Family sickness and health reasons. These collections should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXXI ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.