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

XX/XX/XXXX my father who is my co-signer filed bankruptcy. He DID NOT include my vehicle in his bankruptcy. My car loan company Exeter decided as of XX/XX/XXXX that they were going to report to the credit bureaus that my car was in my fathers bankruptcy. Also they put my account in their bankruptcy department refusing to give me any receipts of my payments and also not reporting to the credit bureaus of my payments Im making so my credit isnt getting any recognition of my payment history. Im the main applicant on my loan yet Exeter will not even recognize that and refuses to even change the lies they reported to the credit bureaus. I had filed a reaffirmation XX/XX/XXXX as asked by Exeter to get my car out of the bankruptcy status with Exeter but judge XXXX denied it because my car was not part of the bankruptcy so there was no point in a reaffirmation. As of XX/XX/XXXX my loan is now showing on my credit as closed discharged in chapter XXXX  bankruptcy which is completely false. I have NEVER been late on a payment in fact Im a month ahead in payments. I gave a very LARGE down payment. I have reached out to Exeter countless times and they treat me as if I tried stealing my car like Im trying to get it for free through a bankruptcy always so rude and disrespectful to me. I have contacted my parents lawyers I paid them to file the reaffirmation and wasted that money being that there was really no need for it. The lawyers have argued with Exeter as well as XXXX who represented Exeter. I reached out to XXXX XX/XX/XXXX and was informed by XXXX that as of XX/XX/XXXX they no longer were representing Exeter and they cant help me fix the false information on my credit. XX/XX/XXXX my credit dropped 56 points the day Exeter reported my car was in bankruptcy status. Then XX/XX/XXXX my credit dropped 76 points the day they changed the report to discharged in chapter XXXX  bankruptcy. This company has not only lied to credit bureaus but they have ruined my credit, they are lying saying my account is discharged in chapter XXXX  bankruptcy, not reporting my payments to show good payment history on my credit, my credit score isnt going up at all from my good history with the company which is a huge reason when getting a car loan, also them refusing to give me receipts is pathetic, but how they speak and treat me is embarrassing especially when my account was never in my fathers bankruptcy. Exeter keeps telling me the only way to remove this now that the reaffirmation was denied and judge XXXX completely explained when it was denied was to refinance through another lender but I have tried and keep getting denied because the false information Exeter has put on my credit reports. When I reach out to the companys who I tried getting a loan through they explain because what Exeter has reported they cant give me a loan.
Product: Credit card

Fortiva Credit Card, The revised Fortiva increased 2024 APR for Purchases ( Interest Rate of 36.00 % ) and increased Account Maintenance Fee ( of {$15.00} per month ) are predatory. With these terms, the principal balance is unlikely to be paid. The respective user would be paying the interest costs in perpetuity instead of making any progress on the principal. 
Thank You.
Product: Credit reporting or other personal consumer reports

I've lived in my home since XXXX, and I have automatic payments for my mortgage, and have never been late on payments. Yet, all three Bureaus show XXXX late payments, one late payment for XX/XX/XXXX and another for XX/XX/XXXX. I've had several bank changes since then and don't have access to old accounts. I find it odd that in XXXX years, I have XXXX late payments on my credit report and these are absolutely not accurate,
Product: Credit reporting or other personal consumer reports

IM TRYING TO APPLY FOR LOANS AND GRANTS AND POSSIBLE GET A CHECKING ACCOUNT ARE SAVING ACCOUNT IN I KEEP GETTING DENIED FOR WHATEVER REASON I DONT KNOW BUT IM TRYING TO FIND OUT WHY I KEEP GETTING DENIED FOR ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : # 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Re : XXXX, XXXX, and Transunion Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined XXXX a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with Transunion . My credit history with Transunion has never shown any positivity or improvement no matter how many times I have disputed information with them. TRANSUNION continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that XXXX may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

another inquiry on my report i didnt file XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge multiple unauthorized credit inquiries made by your company on my XXXX credit report. These inquiries occurred on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company may access a consumers credit report only for permissible purposes, such as when the consumer has : Applied for credit with the entity, Initiated a transaction, Provided written authorization, or Has an existing credit relationship. 


I have no such relationship with Albert Corporation, nor did I authorize these inquiries. Therefore, these appear to violate federal law. 

Legal Precedent : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) emphasizes that businesses must demonstrate a clear permissible purpose for accessing consumer reports. In XXXX, a car dealership accessed a consumer 's report without valid justification, and the court ruled in favor of the plaintiff, awarding damages. This case sets a legal standard for accountability under 15 U.S.C. 1681b.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

XXXX : Transunion XXXX XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of XXXX. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my Experian credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " XXXX XXXX '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks
Product: Checking or savings account

XXXX contacted USAA because there was a deposit of {$3000.00} into my savings account that I did not make ; I further contacted USAA on XX/XX/23 again because of other deposits/ withdrawals of {$5000.00} ( twice ), {$8000.00}, {$1000.00}, {$4000.00} being make and withdrawn from my account. Deposits and Withdrawals on the same day. These transactions were coming from accounts I DO NOT own or know about. My savings account has left it in a negative {$8300.00} which USAA Fraud department states I owe and liable for the amount! 
Where is USAA fraud department due diligence and looking into the history on my account and seen only XXXX deposit comes into my saving account from Social Security on a monthly basis. 
On XX/XX/23 I received a very unprofessional, rude call from XXXX in Fraud department letting me know they have completed a review of my account and concluded there was no fraud involved and I was liable for the - {$8300.00}. They will close the saving and checking accounts ( XXXX ) I have and keep the proceed of {$2900.00} to offset the negative balance on account. This is a SCAM and obliviously USAA doesnt have the software to prevent these issues or Fraud department takes it upon themselves to accuse a XXXX year member of theft! USAA is stealing my money by keeping my fund to recover their error!
Product: Checking or savings account

As of XX/XX/year>, Capital One has refused to tell us why our direct deposits arent in our accounts. They never notified us via phone or email, and the only source we have to go off of is their XXXX account that just says theyre having a problem with a third-party vendor. This is completely unacceptable as many Americans live paycheck to paycheck and we rely on our deposits to be in our account. They seem to have no problem sending me the bill for my credit card, though, but they cant give me my money that my employer paid to me?
Product: Credit card

On XX/XX/, I XXXX XXXX, applied for a XXXXXXXX Navy Federal unsecured, revolving credit card. I was denied and received an email stating their denial and that they will send out a letter stating why I was denied. 

Adverse Action letter was never sent out to my home address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in direct violation of Equal Credit Opportunity Act 12 CFR 1002.9 " A creditor must notify an applicant of action taken on the applicant 's request for credit, whether favorable or adverse, within 30 days after receiving a completed application ''. They did, however, send me advertisements which discouraged me from applying to another one of their credit cards and have also sent me a letter stating that I am now an authorized user on my father 's Navy Federal Credit Union 's credit cards. The fact that they are sending me propaganda is also in violation of ECOA 12 CFR 1002.4 and further shows that this is not a case of inadvertent error or technical, printing error or any other technicality otherwise implied. Navy Federal has been able to send me without any problems other postage but negligently failed to send me a proper adverse action letter as mandated by consumer law. 

I have sent them on XXXX XXXX XXXX more than 30 days later certified mail with a return receipt hardcopy of a Notice of Failure to provide Adverse Action letter. I am attaching a scanned copies of this letter on this complaint form with certified mail receipt, as well as the propaganda sent to me recently, and the letter stating that I am an authorized user on my father 's credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts reporting to my credit report. Please refer to my attachements for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX XXXX  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 furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You
Product: Debt collection

I have tried resolving this matter with Enhanced Recovery Company for over a month via postal mail and have yet to receive any response. I would like this alleged debt removed immediately from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

Equifax has reinserted an previously investigated and deleted account into my credit. Utilizing a credit monitoring service, on XXXX/XXXX/2016 I discovered the account ( XXXX XXXX XXXX Account # XXXX ) had been recently reinserted. As required by the FCRA, Equifax did not notify me of the reinsertion within 5 business days.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXXXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit profile and noticed multiple fraudulent hard inquiries. These inquiries are unfamiliar to me and I never given my personal information out for these inquiries and I never gave my consent/authorization for these inquiries. Below I will listen to fraudulent inquiries to be disputed. 

XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a Walmart Credit card through Capital One and when the Pandemic hit and I lost my job I called them and they waived the interest for XXXX I was very grateful and thought things were going to be ok moving forward. However I am one of them that has not gotten their unemployment yet and noticed that for the current month I was charged interest at a very high rate. I have not used my card since the pandemic started and now I am accruing charges and my bill is going up. I called on XX/XX/XXXX and a representative told me not to worry that I would not be charged interest again for this month and moving forward I would have to call every month and keep them updated. I get my statement the next day and it has interest on it and I called in spoke to a lady named XXXX who claimed to be a head supervisor and she said there was nothing she can do that the policy changed and the interest had to stay. How is that working with a customer or anyone for that matter. I would like for this to be looked into.
Product: Debt collection

i have never received any information re this collection that is now appearing on my credit report and I have sent this collector information asking for them to validate and verify the information ...