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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX pulled a hard credit check on me, which has grossly adversed my XXXXredit score. I have emailed the XXXX XXXX XXXX to inquire why my credit was yet again pulled and to date I have never received a response. I have requested from XXXX proof to show me that states I allowed this particular credit pull. 

My bank explained to me that this pull was a hard credit and significantly dropped my credit score, and therefore they can not offer me a business loan. 

XXXX has impacted my life and destroyed all hope at the moment to receive a business loan. 

I authorized XXXX over a year ago the ability to pull my credit and they pulled my credit then, however I did not give consent for another hard credit pull this past XXXX XXXX has made countless errors with regards to me, and now yet again. 

Please help me get resolution so this hard credit pull can be removed from my records asap. 

Thanks so much! 

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

This issue is between XXXX XXXX, Experian and XXXX. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with Experian and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.
Product: Debt collection

In XX/XX/2022 I was alerted by my XXXX credit alerts that an account that was opened in my name and social had gone into collections. I opened my account to see that it was from XXXX XXXX XXXX who is attempting to collect the debt for XXXX XXXX XXXX. There are based out of Texas. A phone plan was opened in my name and social and never paid for. I am a victim of identity theft. But the phone number used to open the account was not mine. It was ( XXXX ) XXXX. Ive had the same phone number with T-Mobile since I was XXXX XXXX XXXX and that is XXXX. I did not open this account and have had several accounts opened out of Texas in my name. The amount owed is XXXX. This person living there has my information I assume and has been opening whatever they can in my name. A XXXX XXXX XXXX account was just opened in my name in PA as well. This is an ongoing thing that Im trying to stop because it is ruining my credit and my life. I had good credit before this and have been fighting for months to keep getting all these accounts being opened off of my credit.
Product: Mortgage

I applied to refinance an existing mortgage with Bank of America. I responded to questions from the Primary Originator explaining what I desired to accomplish in the way of terms for the refinance, including the fact I do not escrow property taxes or insurance. I was told starting the refinance required payment of a credit report fee of {$28.00} which was nonrefundable and an appraisal fee of {$860.00} which was refundable any time prior to the occurrence of the appraisal. I submitted all requested documentation. During the process I received 3-4 Closing Disclosures which began to create concern as well as recurring requests for additional information which became burdensome. At a point prior to the appraisal I suggested the process stop and the {$860.00} appraisal expense I paid be refunded at which time I was told it was too late to receive a refund. I acquiesced continuing to provide the information / documentation requested and allowing the property appraisal to occur. Approximately 1 week prior to closing I was informed Bank of America intended to collect {$10000.00} to escrow property tax. I explained this was unacceptable and I had stated early in the process I do not escrow taxes. The response was that Bank of America requires the escrow of the taxes. A few days prior to the closing date I received two Closing Disclosures both dated the same day and were virtually identical other than section F. Prepaids and the section Calculating Cash to Close ; result being one Closing Disclosure stated {$1600.00} To Borrower and the other Closing Disclosure stated {$8300.00} From Borrower. A telephone discussion with the Primary Originator one day prior to scheduled closing resulted in my being told I would have to pay the {$8300.00} at closing. At that point I requested cancelling the refinance. Bank of America personnel were misleading, dishonest, and perhaps operating fraudulently and the process as a whole was confusing.
Product: Money transfer, virtual currency, or money service

I cashed a TD Bank check at a TD Bank branch on XX/XX/2020 in XXXX, MA. The bank charged me a fee of {$10.00} to cash their own check because I do not have a TD Bank account. I know that there is no federal law to prevent this and I know that this is a common practice among the county 's large banks. It's an outrageous gouging of consumers and a law needs to be enacted to end this practice. I hope that the CFPB will bring attention to this issue if it is not doing so already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the XXXX credit bureaus Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys Name and Address APPLE CARD GS BANK RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,
Product: Credit card

I am being charged from MERCURY credit card, an average Interest rate of 74 %! I am sending you photos of the pre-approved flyer sent to me back in XX/XX/XXXX. I was approved on XX/XX/XXXX. The flyer did not say anything about being charged a " AVG DAILY RATE OF INTEREST ''!! It says the interest rate was APR of 29.74 % Based on Prime Rate, but in reading the 2nd page on the back of my Statement, in the very last paragraph, it is noted, How We Calculate Interest : it says, We use the " AVERAGE DAILY BALANCE METHOD, ( including Current Transactions ). 
I have been paying Larger Monthly Minimum Payments ( including extra money on their " Spot-Pay '' option, to get my balance down. I thought I was paying more towards my balance higher at what I thought was a 28.74 % APR Interest Rate! When recently I paid {$140.00} my minimum payment in XXXX, I would never thought it was INTEREST! Recently, I did have the forethought to go through many statements, and I found these higher payments were NOT going to the principal on my account, but 74 % was going to interest! On XX/XX/XXXX stmt, they charged {$110.00} for interest. That meant out of my {$140.00} minimum payment due, only {$38.00} went to my balance! I thought there was a law which would not allow a consumer to be " XXXX '' with HIGH INTEREST RATES! I'm A XXXX XXXX XXXX retired woman, lives alone on Social Security. At this rate, I will be DEAD before I'm rid of this " fraudulent technique '' used by MERCURY. What am I suppose to do!
Product: Debt collection

Debt was paid at settled amount. Still be reported as closed, unpaid and a charge off and not deleted. XXXX credit report. Also inaccurate late payment date.
Product: Mortgage

/The buyers of our home is using CMG Mortgage as their lender. The loan was scheduled to close on XX/XX/20 but the lender had not scheduled the appraisal until XX/XX/20 so they asked for an extension to XX/XX/20. On XX/XX/XXXX they claimed that the loan officer hadn't reviewed all the borrowers ' financial information and asked for extension to XX/XX/20 On that date they claimed to still be reviewing the documents and asked for an additional extension to XX/XX/20. On XX/XX/XXXX the claim was that one document ( disclosure ) hadn't been signed and they needed three extra days. It is now XX/XX/XXXX and now the Mortgage Co. does not respond to calls. 
I don't understand this as I have moved out of my house and am living in a hotel. HELP!!
Product: Credit reporting or other personal consumer reports

I have recently initiated a dispute concerning certain entries on my XXXX, XXXX, and Equifax credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with XXXX compliance framework. The XXXX Compliance mechanism, collaboratively established by XXXX, XXXX, Equifax and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that XXXX, XXXX, Equifax 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with XXXX, XXXX, and Equifax 's assistance. Regrettably, despite the evident misreporting of the accounts, XXXX, XXXX, and Equifax has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with XXXX, XXXX, Equifax 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.
Product: Mortgage

I have called twice, emailed 3 times and chatted on their website once. Letting them know they did not pay my XX/XX/2018 property taxes and now there is a late fee, the money is in their escrow account and they still have not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XXXX XXXX, 2017, I received an email at work from CreditKarma.com The email subject line read : Youve Got Some Tough Scores, XXXX Upon reading this, I immediately became concerned that my credit scores were bad/tainted etc. I have maintained a credit score of XXXX for some years. I logged on to Credit Karma to discover that indeed, my scores were at XXXX. 

Like many businesses, my work email is monitored and reviewed for compliance to our corporate policy. This monitoring takes place in our IT department. As a senior level employee, I was very upset that employees of my company saw this, and perhaps could have easily assumed that I was having difficulty with my credit. I attempted to contact Credit Karma and there is no phone/email/address for which to make this known.
Product: Credit reporting, credit repair services, or other personal consumer reports

Executed on ( XX/XX/XXXX ). 
Equifax, Executed on ( XX/XX/XXXX ). 
XXXX and Executed ( XX/XX/XXXX ) XXXX were fowarded ..AFFIDAVIT OF VERIFICATION & DISPUTE AS UNSWORN DECLARATION to remove the Reported Consumer Report Debt Collections from their records being in direct violation of the Consumers Privacy Rights. XXXX, XXXX XXXX Equifax are " financial Institutions '' Section 6809 of title 15 defines financial institution as. any institution the business of which is engaging in financial activities as described in section 1843 ( k ) ( 4 ) of title 12 in turn defines activities that are financial in nature to include [ e ] ngaging in any activity that the [ Federal Reserve ] Board has determined, by order or regulation that is in effect on XXXX XXXX, to be so closely related to banking or managing or controlling banks as to be a proper incident thereto ( subject to the same terms and conditions contained in such order or regulation, unless modified by the Board ). On XXXX XXXX, the Federal Reserve Board promulgated a regulation, still in effect on XXXX XXXX, which expressly identifies as among activities..so closely related to banking or managing or controlling banks to be a proper incident thereto those activities that are usual in connection with making, acquiring, brokering or servicing loans or other extensions of credit, including : Credit reporting services. Maintaining information related to the credit history of consumers and providing the information to a credit grantor who is considering a borrowers application for credit or who has extended credit to the borrower. 

Banking holding Companies and Change in Bank Control ( Regulation Y ), 62 Fed.Reg. 9290,9329 ( 1997 ) ( codified at 12 C.F.R. sec. 225.28 ( b ) ( 2 ) ( v ) ). Because the Federal Reserve Boards regulation characterizes credit bureau services as so closely related to banking or managing or controlling banks as to be a proper incident thereto, FTC permissibly determines that EQUIFAX, XXXX XXXX XXXX provides such services and comes within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). See Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ). 





Equifax, XXXX XXXX XXXX were informed and became aware that the information provided within the consumers report is inaccurate and false information and by Equifax, XXXX XXXX XXXX inactions rendered to violating The Gramm-Leach-Bliley Act by Equifax being a financial institution of not having provide the consumer a CLEAR & CONSPICUOUS disclosure to such consumer, in writing or in electronic form or other form disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 therefore must permanently delete any and all data related to the Consumer to avoid liability and criminal charges with prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and not only that I was a victim of the Equifax data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXX
Product: Debt collection

I visited XXXX XXXX XXXX ER. I was sent to collection by the physician group XXXX XXXX XXXX XXXX to XXXX in XXXX fl. 
My healthcare insurance paid this physician group yet they are still billing me. 

I have mailed letters to both the collection co and the physician group and received no accountability or detail of the debt yet they list it as disputed and verified on my credit reports
Product: Debt collection

i need these accounts to be removed from my credit file and repossesion remark removed from my credit file i have contacted XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX ok, XXXX ( XXXX ) multiple times in regards to this outrageous claim of debt owed and repossessions. they are currently reporting XXXX negative items on my credit file and i did not authorize this company to pull my credit, utilize my credit, or furnish any accounts with my information ever!. this is ridiculous and they need to be shut dow for all of the illegal activity they have been doing. they have defrauded me of multiple opportunities to build credit by reporting multiple delinquent accounts and threatening me with debts i do not owe this information needs to be disputed as fraudulent activity immediately and removed from my credit file. who opens XXXX car loans and gets XXXX cars repossessed there has definitely been some fraud activity with this merchant and needs to be investigated Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX saw some hard inquiries thats did not have permissible purpose.i also attached evidence XXXX /oak motors inc. ( XXXX XXXX XX/XX/year> XXXX credit acceptan ( finance ) XX/XX/year> XXXX acceptance ( bank ) XX/XX/year> XXXX ( finance ) XX/XX/year> XXXX portfolio services ( finance ) XX/XX/year> XXXX acceptance ( finance ) XX/XX/year> XXXX financial ( finance ) XX/XX/year> XXXX capital llc ( finance ) XX/XX/year> XXXX consumer XXXX ( finance ) XX/XX/year> XXXX skillman auto ma ( auto ) XX/XX/year> This inquiry has no permissible purpose to be on My report.delete inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was doing my taxes for my first time using turbo tax. After completing my return i was prompted to make a credit karma account. As this would be my first time doing so i clicked on the create account option and put in my full name and social security number. It came up with an existing account i did not make with the email XXXX. I was concerned so when i got into the account i noticed a credit score of around XXXX, which i should not have due to never making a credit account or taking out any type of loan, etc. There was also a debt amount of about {$2300.00}.
Product: Checking or savings account

On XXXX XXXX 2021 My business cheking account had been hacked and someone illegally withdraw {$4100.00}. I have contacted my bank ( Bank of America ) and filed a claim. Unfortunately they denied my claim
Product: Debt collection

I submitted an complaint on XX/XX/2023 with XXXX XXXX XXXX XXXX XXXX. 

I am requesting the Original Purchase Agreement from XXXX XXXX who was the original creditor with this debt, with all the terms and conditions. 

Please provide me with Original Purchase Agreement that your company ( FAIR COLLECTIONS & OUTSOURCING INC ) received from XXXX XXXX before you received this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following XXXX unauthorized inquiries appeared on my credit report. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.