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

found unauthorized hard inquires on credit repot multiple in one day and several more on other credit agencies mainly experian XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this is an OPT OUT notice per 12 CFR 1016.7 I am now opting out and rescinding and ALL authorization, I the consumer any have given you. I mean any and all consent whether it be written, unwritten, verbal, implied, and nonverbal is revoked per 15 USC 6802. Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates " Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore, REPORTING transaction history is illegal. Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX All Rights Reserved
Product: Credit card or prepaid card

XXXX RECD CALL FROM XXXX XXXX XXXX XXXX XXXX .CALLER ID XXXX XXXX XXXX .FILE # XXXX XXXX. SHE TRANSFER ME TO XXXX XXXX XXXX XXXX. SHE SAID SHE HAS A CIVIL COMPLAINT VS ME FOR CAPITAL ONE VISA ENDING XXXX. 
TOLD HER NEVER HAD A CAP 1 AND NEVER RECD SUMMONS AND COMPLAINT. SHE SD I DID IN XXXX ( DID NOT REC ) SHE WENT ON TO SAY WAS MY CARD VRFYD BY NM/DOB/SSN AND UTITITIES AT 2 ADDRESSES IN XXXX XXXX ( XXXX XXXX  ) WHERE I NEVER LIVED. XXXX XXXX XXXX # XXXX XXXX FROM XXXX AND XXXX XXXX XXXX # XXXX XXXX. XXXX TO XXXX. I NEVER HAD A CAP 1 -- I NEVER LIVED NOR HAD UTILITIES IN XXXX XXXX. NOW LOOKING AT MY SKIP INFO THEY ADDED THOSE ADDRESSES TO MY NAME ON MY LIFE SEARCH. I LIVED ON XXXX FROM XXXX TO XXXX THEN FROM XXXX TIL NOW ON XXXX IN XXXX. NO WHERE ELSE NO OTHER UTILITIES IN MY NAME. SHE SAID THEY ARE USING A -- TOLLING CLAUSE -- TO FILE AGAINST ME ON XXXX TOMORROW AND LEANING MY PROPERTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Mortgage

Called on XX/XX/2023 to extend my XXXX disaster forbearance plan. The property zip code is in XXXX XXXX inside a declared disaster area that qualifies for invividual assistance. XX/XX/2023 as of this date no response from shellpoint and I called customer service and said I'm not eligibile. My loan is owned by XXXX XXXX, under their guidelines I'm eligible up to 12 months. I still have remaining 2 months left as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 US CODE 1681 A FOUR, Transunion is in direct violation of the law. Transunion has committed identity theft. According to the law, Transunion has violated the law and my rights. According to the law, financial institutions have an obligation to respect their customers ' privacy and securely protect their sensitive personal information against unauthorized access. Transunion has illegally obtained information, then lying saying the court provided them with the information. Every time I dispute, Transunion stalls or Transunion comes back saying verified by the court. I have attached a letter from the court acknowledging that they did not verify anything with Transunion. Transunion is crooked and are lying. You can not continue to let Transunion get away with this. They need to delete that bankruptcy reporting on my file. They must be getting paid to add inaccurate information to consumers credit files. Doing so is wrong, unfair, and AGAINST THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my XXXX report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my XXXX report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : Transunion - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXXXXXX {$18000.00} USDOXXXX XXXXXXXX {$46000.00} USDEPED XXXXXXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$26000.00} XXXX XXXX  XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across XXXX, XXXX, and Equifax. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from XXXX and Equifax while accurately reported as XX/XX/XXXX, by XXXX. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months.

Equifax adds unnecessary remarks stating, " Closed or paid account/XXXX balance Auto, '' which is not consistent with XXXX and XXXX. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement. 
Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from XXXX and Equifax XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau stating that these corrections have been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times about the derogatory marks on my reports which include Transunion ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22, I sent out a letters XXXX, to XXXX, TransUnion, XXXX. Here is my tracking number ; during this investigation they said everything was 100 % accurate and Transunion said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

I would like to how does TransUnion hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted
Product: Credit card or prepaid card

I have a Mastercard credit card with Citibank. I took advantage of a balance transfer offer on XX/XX/XXXX for a very low interest rate. Since that balance transfer offer, I have also used the card to make purchases. Each month, I pay down the balance transfer balance ( substantially more than the minimum amount required and also pay off the entire balance of my new purchases no later than the due date. Citibank continues to charge me interest on the new purchases each month, again, even though I pay off that balance in full by the monthly due date. On XX/XX/XXXX, I had an instant chat with a customer representative in Citibank. I pointed out the problem, and asked them to review all interest charges on the purchases beginning with the iniital balance transfer on XX/XX/XXXX. They stated they would do it and cxl the interest charges. Furthermore, the representative stated that this interest chargin methodology should not be occurring. My XXXX statement for the period of XX/XX/XXXX through XX/XX/XXXX reflected a reversal of {$2.00}, the interest charged on my previous statement. MY latest statement as of XX/XX/XXXX again charged new interest on the pruchases of {$8.00} even though the purchase balance was paid off by th due date. Today, XX/XX/XXXX, a Citibank agent said that this double tiering of interest rates is how th system works, which was inconsistant with the previous chat with another agent. Can Citibank legally do this??
Product: Credit reporting or other personal consumer reports

I have an open investigation going on with EXPERIAN, XXXX AND XXXX regarding inaccurate information that is being reported on my credit file. XXXX mailed me a letter stating that it could not remove information from my report even though, I submitted proof that such information was inaccurate and incomplete. This is a violation of my privacy rights as a consumer as well as 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ). In their letter they also mentioned that I needed to resubmit my identity theft report along with a copy of my ID. As a result, I'm sending copies of ALL documents to ALL reporting agencies to aid in the removal of the inaccurate and unauthorized items listed on my consumer report. Information on my report must be accurate among all reporting agencies including XXXX XXXX agencies pursuant to 15 USC 1681e ( b ). I have a right to have these items removed according to 15 U.S.C. 1681i.
Product: Student loan

I received a moratorium for about 5-6 months from nelnet. But im still struggling to keep up with my financial problems. My student loan is making it unbearable to be happy in any circumstance.I Have an empty refrigerator for the last 6 months.. Btw my Associates degree that i majored in is not being utilized.Never had been! Please help in any way you can, so i can take a little breather, and go grocery shopping or let me purchase new underwear and socks, that's needed.
Product: Credit reporting or other personal consumer reports

No positive payment history reported from repayment of SBA loan XXXX loan 19 month auto pay 1 week early. previous auto loan payment history from XXXX multiple satisfied obligations. Improper use of reports not fair and equitable additional payment history incorrect no payments ever late or United States of America failing to fulfill obligations and direct any outstanding obligations past future present as all debts public and private are responsibility of The United States of America department of the treasury so must be a accounting mistake because the United States of America always pays its debts. I am just a beneficiary of a sound mind. Trustee failing to perform fiduciary duty.
Product: Vehicle loan or lease

This account was open XX/XX/XXXX of XXXX the car was voluntarily repossessed in XXXX of XXXX due to failed transmission issues this company didn't provide me any documentations per I requested for this account # XXXX the company is constantly reporting back to my credit report as a repo starting XXXX XXXX this is inaccurate information please take a look over this account the car was sold at the auction ive also requested information for that still no response now the company is reporting a balance of {$27000.00} with a original balance of {$22000.00} the account has been closed since the repo.
Product: Credit card

I have an XXXX XXXX through Chase. I use this card strictly for XXXX purchases. For some reason, a restriction was added to my account to block XXXX transactions. I did not request this block. Due to this restriction, purchases that I am trying to make through XXXX keep getting declined. I have called Chase twice to get this resolved and each time I am told that the restriction is removed. However, my purchases keep getting declined.
Product: Credit reporting or other personal consumer reports

These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) XXXX  for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but XXXX has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and FRB. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Bright Banking checking account online with BB & T on XX/XX/19 with the promotional code XXXX. This promotion offered a {$250.00} bonus after receiving 2 direct deposits. Despite my fulfilling this requirement the bonus was not paid out. My related inquiry on XX/XX/19 received the response that I had not provided a " valid promotional code '' online. 

In fact, the code in question auto-populated after using a link to the application page.
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 accounts 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 accounts. 
XXXX : XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1000.00} FIRST XXXX BANK XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} EQUIFAX : XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$270.00}
Product: Money transfer, virtual currency, or money service

This is a problem with KeyBank. I initiated a {$3000.00} transfer from my Cash Reserve Credit Line to my Home Equity Line of Credit on XX/XX/XXXX. The transfer from the credit line shows on my account as of XX/XX/XXXX, and I have been paying interest on that credit line since XX/XX/XXXX. However, the payment to the Home Equity Line of Credit has still not been posted, as of XX/XX/XXXX. I have paid interest on both accounts ( the Credit line AND the Home Equity LOC ) for a week. I called KeyBank on  XX/XX/XXXX, at which time they told me the payment would be posted by Wednesday, XXXX, XXXX. When the payment did not appear on my account by Thursday, XXXX XXXX, I called again. The KeyBank representative told me the payment could take up to 5 business days to post. Checking my account again on Friday, XXXX XXXX, the payment still hadn't posted.