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

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. ThESE accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit card or prepaid card

My mother-in-law was moving to XXXX for medical treatment. My wife and I gave my credit card number to her BROTHER to have in case it was needed for incidentals ( food, medical supplies ) before my mother in law arrived. As part of coming into XXXX, due to Covid, quarantining in a hotel is required for two weeks. We were not supposed to pay for hotel reservations, but my wife 's brother gave our credit card information to HIS WIFE, who was NOT authorized to use our card. She booked 2 rooms, for a month, in a hotel in XXXX for the quarantine, using my card. I had NO interaction with the merchant/hotel whatsoever. When I sought to cancel the booking ( through my Brother, as I do  not speak XXXX XXXX, the hotel refused, citing their cancellation policy, which was never provided to me. 

When I filed the dispute to Capital One, my credit card provider, I explained to them that I did not authorize the charge, nor did I enter into any contract with the vendor/hotel. They cited that the hotel had provided them with a copy of their cancellation policy, and asked me to provide additional documentation to prove that the charges should be reversed. 

They asked me for " a refund voucher, '' proof that I tried to cancel, and a copy of the purchase agreement. I told them that I did not have any of these things, since I was not in direct contact with the merchant, nor could I have received any of them, since the merchant does not have my contact information. 

I was able to locate from my brother-in-law, who got them from his wife, some of these documents. However, after submitting them, Capital One is still saying that as I can not provide documents ( which either do not exist, or were never shared with me in the first place ), they can not make a case to Mastercard. 

This is utter nonsense, and my credit card issuer is doing nothing despite my credit card having been used by an unauthorized person.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting XXXX Acct # XXXX and XXXX XXXX, XXXX violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Product: Debt collection

I disputed this account, with macys and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
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. 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 from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. 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 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of XXXX Data breach which my information was used to make all of the inquiries that are on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently updated my personal information IE residential aaddress, phone number, angry the accounts with two of the three credit bureau agencies Experian and XXXX. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, XXXX XXXX XXXX  account shows on my report that it is late while I have been making all the payment onetime. 

On XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX  show that I have a late payment. this account has been closed and should not have any late payment
Product: Credit reporting or other personal consumer reports

I have a mortgage with Citizens Bank, in XX/XX/XXXX, I fell on a hardship and requested assistance. In XXXX they approved me for a partial claim and deferred my payments for 3 months ( XXXX, XXXX and XXXX ). I resumed payments on a 3 month trial basis on XX/XX/XXXX, XXXX XXXX XXXX and received and returned the documents for the permanent modification mid XXXX. I have not missed a payment, yet they reported a missed payment in XXXX causing my credit score to drop XXXX + points, I disputed and they removed it and added an erroneous note that said I made a partial payment. I received a credit alert on XX/XX/XXXX that said my account was 90 days past due which is inaccurate and that they had not received my XXXX payment which was paid on XX/XX/XXXX. I have not missed nor been late on a payment ever. This resulted in my score dropping another XXXX points and has caused long time creditors to close some of my accounts. I contacted them and they said they made a mistake and applied it to XXXX ( which I was in deferment status at that time ) so another mistake on their part. I have every letter that they sent after correcting their mistakes but this last incident, I have disputed and have not received an update. I want the incorrect info of 90 days past due removed and my credit restored.
Product: Debt collection

I called the debt collector trying to find a way settle this debt. With multiple phone calls they don't care about you and threaten you in many ways. I am not a lawyer and don't understand a lot of what they say, I asked them to speak to me in language I can better understand. They then threaten foreclose on my property, which I don't have, I rent and live pay check to pay check. In face the company I work for has recently closed and we don't even have a Job at the moment. Then they said that they will impound my car and take more of my property. Its very scary and I don't know how to deal with this situation. They wont listen to me or care about anything I want to say. They are very rude and do everything to scare you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I reviewed a copy of my credit report and notified each bureau of inaccurate information is currently being reported.

In my letters, I asked Equifax to validate these accounts and provide physical proof/verification that I am entitled to according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

To date, I have not received any physical proof validation and these items are still being reported negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Compromised old phones. Bribed me to work from home as if I didnt remember my log in or sign in to any of my old accounts. I borrowed money from her and her mother. I already paid her due what was owed. Not being fairly generous to accept that coming from me. Using stuff against me to interfere with my children. I did ask for verification of identity. Someone hacked and old property that did not want to return to me. Yet but wanted to talk me out of being responsible for My Children. Using what I was logged into in any of my old phones.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CLARITY SERVICES, XXXX, EXPERIAN INFORMATION SOLUTIONS , INC, and its criminal executives such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Product: Mortgage

On XX/XX/2020, I paid-in-full my mortgage balance to Rushmore Loan Services. The amount of the payoff was large ( {>= $1,000,000} ). The loan was in default and scheduled for a sheriff 's sale, but I was able to find someone to buy my home at the last minute. Of the {>= $1,000,000} payoff amount, the principal balance owed was {>= $1,000,000}. I have asked Rushmore for a final accounting so that I can understand where all of my payoff dollars went ( principal, interest, late charges/penalties, escrow payments for taxes and insurance, foreclosure expenses, etc. ). To date, Rushmore has failed to provide me with this information. In XXXX, I was told that I would receive a final statement about 30 days after the payoff, but in XXXX, all that was sent to me was a general, non-specific printout of my escrow account. On XX/XX/XXXX, Rushmore told me I would be mailed a copy of the payoff statement used in my  home closing on XX/XX/XXXX, and a statement of my mortgage account activity. As of today, I have received nothing. I have a right to have every XXXX of the {>= $1,000,000} accounted for.
Product: Mortgage

I applied for the Illinois Hardest Hit Fund program and my file was sent to my mortgage lender, MB FINANCIAL on XX/XX/2018. 

My Hardest Hit Fund application will not be reviewed until they receive a response from MB FINANCIAL. The Hardest Hit Fund program has informed me they have repeatedly sent requests to MB FINANCIAL and they are failing to respond to their request, which thus makes me unable to go further in the process.

It will be 3 MONTHS now without a response from MB FINANCIAL. This is unacceptable and I want them to reply so I can receive assistance from the Illinois Hardest Hit FUnd.
Product: Debt collection

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complete Credit Solutions has violated several FCRA laws on XX/XX/21 by reinserting a previously blocked 605B fraudulent account. The account was blocked and removed from my account by the CRA. Complete Credit Solutions violated FCRA by reinserting a known blocked fraudulent account back on my report as a " New Account '' to circumvent credit reporting agency guidelines in place to prevent reinsertion. In addition, Complete Credit has violated other VERY SRIOUS FCRA Laws. Creditor is not allowed to reinsert a blocked account and I have written proof that you have violated the law on XX/XX/21. This is highly illegal and must be deleted immediately. You have five days to delete.
Product: Vehicle loan or lease

I leased a new car from Audi. The day I first brought my car home, on the way home from the dealership, the engine malfunction indicator lamp came on ; the owners manual said this was an indication I shouldnt drive the car and needed to bring it in for service ( the issue was the engine coolant system and catalytic converter ). I wasnt able to use my car for the first XXXX XXXX of the lease period because Audi didnt have service appointments available ; nevertheless, Audi claimed the lease payments were due on the car. Subsequently, I had to take my Audi in for service five subsequent times for the same exact problem ( in total Ive had to take the car in six times ) ; the car has been unusable for a significant portion of my lease period ( and it has cost me a lot of time and frustration ). I spoke with the head of Audi 's repair department and he promised me Audi would compensate me for my trouble ( by extending the lease or otherwise changing the lease terms and payments ) ; he asked me to call him in a week for resolution. However, since then the Audi representative hasnt returned any of my calls or emails. Furthermore, I called and emailed the general manager of the Audi dealership and he would not respond. Now the original lease term is expired and Audi is threatening to repossess my car. However, I have not had use of the car for the full lease term even though I have made all the lease payments. Additionally, I receive several robot calls a day from Audi asking me to call an 800 number ; when I call there are no options available to speak to a human being. And when I have called the Audi dealership I get recorded messages.