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

I had an auto title loan with XXXX XXXX that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to Experian and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached. 
Continuous and blantant violations of my FCRA rights.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of unauthorized hard inquiries that have been reported on my credit profile, which I previously brought to your attention via mail. I submitted a dispute letter outlining my concerns regarding the inaccuracies and fraudulent nature of these hard inquiries. 

-- -- -TransUnion 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: Student loan

In 2006, I applied for a student loan of {$5000.00} ( for one semester ) at XXXX. I had to do the same the next semester for another {$5000.00}. Sallie Mae picked up the loan and when repayment was due, they wanted $ XXXX  monthly. I work in retail and when you have a vehicle note and rent, that's just not possible. I spoke with Sallie Mae on many different occassion and was told my only option was forebarence or deferment. So, I did that because I couldn't afford the $ XXXX  monthly. About 4 years ago, Sallie Mae sold my loan to Navient. Same story here, $ 300-400 monthly. Finally, after digging around on their website, I found that I could apply for Income Based Repayment. My notes were supposed to be around {$50.00} for each loan ( 2 ), totaling $ XXXX monthly. I have faithfully paid that for about 3 years. Then suddenly my unsubsized loan has jumped to {$94.00} a month with no explanation. My balance has not moved and I now owe over {$15000.00} because of interest and the forbearance and deferements that I was told I needed to use because I could not pay the $ XXXX  monthly. All of my info has been transferred from the FSA website with my tax info included. I have paid thousands to Sallie Mae and Navient, only to still owe more than my original loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has a account on my credit dated XX/XX/2016 which is 7 years old, this shoud be removed from my credit report
Product: Debt collection

I have never lived at the Adress associated with this account because it is not mine, as I am a victims of identity theft as the result of a burglary. In XX/XX/XXXX, my hotel room was robbed while I was sleeping and I was also assaulted physically and XXXX. At that time, I lost my wallet which contained my social security identification card, drivers license, all my credit and debit cards, and my XXXX XXXX University card which had my old university email address on it. I graduated so I no longer check this email regularly so I didnt notice that TrueAccord had opened a collections account in my name until XX/XX/XXXX, at which point I immediately disputed the debt and filed an identity theft report. Its been over 2 months and I have yet to hear back from true accord on my request for deletion of this account and removal of all negative reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am reaching out for help because US Bank whom I had XXXX credit cards with but paid off and closed in XXXX and XXXX continue to damage my credit report. About 5 years ago I became extremely ill and could not work for about 6 months. I had XXXX credit cards at the time, XXXX from US Bank. I called US Bank and explained my situation and asked them to please lower the high interest rates, they would not at all. I had to use my credit cards to survive. 

When I got better, the amounts were high and I had to figure out how to repair my financial situation so I reached out to a credit/debt support company, XXXX XXXX XXXX XXXX ) XXXX. They helped guide me to pay off agreed amount with the credit card companies. US Bank was quite difficult to work with even though I had been a good client of US Bank for over 15 years. I paid off all the agreed upon amounts and confirmed that my cards were closed. My other credit card company accepted and was professional. US Bank, even though they received all the money, continued and to this day continue to damage my credit. The " Debt '' section of US Bank Credit Cards, does not allow a person to call or even email with questions or to discuss. They only accept mailed letters. I have asked them in past to please drop their penalities on my credit through letters and they refused. I even hired XXXXXXXX XXXX ( financial assistance ) to help try to repair my credit but this was just money wasted trying to figure out how to repair my credit damage caused by US Bank Debt Section : XXXX Disputes for US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX On XX/XX/XXXX, I sent another certified letter that I still on XX/XX/XXXX have NOT received a written response back. I called the US credit card customer service and they told me that again she saw that the Debt section had rejected my request for them to please remove the damage and penalties to my credit as they were paid in full by XXXX. And again, I was told my only way that I can " talk '' to them is through lettered mail. This seems incredibly unjust to me as it keeps them on a pedestal where they can continue to not have to answer to customers they are penalizing unfairly as they just can ignore customers without real explanations if any at all. Basically, they just ignore and cause destruction to people 's financial credit and hope. And, this is exactly what they have done and as a result my credit score has continued to be damaged for years by them unjustly as like I said, they received all their money and I closed those credit card accounts years ago. 

I really appreciate your time and hope that you can help me. I feel like this in incredibly unfair and unjust. I look forward to hearing from you and am happy to answer any questions that you may have. 

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

My husband and I tried to get preapproved for a mortgage loan, but were denied because of information on our Transunion credit reports. We requested our Transunion reports. When I got mine, I noticed a lot of errors. 53 hard inquiries that I did not authorize. I also noticed some accounts that were not mine that I had not authorized. I have been the victim of identity theft several times, due to my personal information being compromised in 16 data breaches, in the past. So, I suspect that the same thing is happening, again. 
On XX/XX/2019, I tried to dispute the errors and hard inquiries that I did not authorize online on the Transunion web site. The web site would not allow me to dispute anything and instead listed a number for me to call. I called the Transunion phone number provided and explained to the customer service rep that I am the victim of identity theft and that I needed to dispute the hard inquiries and accounts that I did not authorize. The rep refused to help me saying I had to contact the companies directly. I already have. The companies told me to call Transunion and dispute with them. I tried again to dispute the inquiries with Transunion on XX/XX/2019 and, again, the Transunion rep would not allow me to dispute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

False charge from company claiming I purchased hearing aids in XXXX. I never ordered nor received any items from that company. I had never even heard of them prior. Ive asked for the proof they claim to have but Ive never received anything from them.
Product: Debt collection

I am a victim of identity theft and fraud. 
XXXX XXXX is a online sports betting services. I used my debit card ( XXXX  ) to purchase a betting slot on XXXX. The funds were readily available in my XXXX  account but instead XXXX XXXX sold my information to a 3rd party debt collector called TRS Recovery Services , Inc a few days later. I have never had any relations, contracts or dealings with TSR Recovery until now. TRS Recovery Services, contacted me XX/XX/2021 in attempt to collect a debt. They DEMANDED that I pay the balance in full & that If I did not pay the full balance promptly, then they would assign the file to one of my collection agents for follow up. They continued by stating that the Agent would attempt to contact me by telephone and make recommendations for further collection act. 
These are all violations to my consumer rights according to the fair credit reporting act.
Product: Checking or savings account

I filled a dispute over an unauthorized charge from XXXX and Ally looked into it and deactivated my debit card. They told me another one was on its way. I waited almost XXXX weeks and I called back and I was told that the call hadn't been completed so the card was never ordered. That wasn't true because my roommate was sitting in the same room with me when I was talking to the agent. I called back the next day and they told me that my card would not be sent out until I rectified and outstanding overdraft of {$43.00} and some change. I was due to get my XXXX check that night via direct deposit and so it was cleared. I made an attempt to order a few XXXX  from XXXX and pay for them using my bank account. After speaking with the XXXX XXXX, I was told Ally wasn't going to allow me to use any of the money in my account because they closed out my debit card. I wasn't trying to use my debit card, I was using my bank account. Previously, when I had a debit card problem, if it had been closed, it had nothing to do with my bank account. I'm expecting another social security check shortly via direct deposit and Im not going to be able to access that money either because of the debit card. This situation is going to make it impossible for me to pay any of my monthly bills. I can't go to an XXXX  because I do n't drive and I live in a rural area. This is going to cause me to get evicted. I've never been late on any of these bills and my landlord is not the forgiving type. It's unlikely he'll grant me an extension. I'm a XXXX XXXX on a fixed income and I'm not in good health. It will seriously effect it if I become homeless. This bank has caused me no end of problems. All I'm asking for them to do is overnight me a debit card so I can pay my bills.
Product: Debt collection

Due to extreme inflation, not being paid XXXX XXXX in child support and tax law changed which greatly affect my refunds for the last 2 years, I was unable to continue paying credit cards. This allowed XXXX  XXXX XXXX to send Its Lawyers, Evan and Mullinix, after me in court. I live in XXXX XXXX, Mo and they are located in XXXX XXXXXXXX XXXX I believe I originally opened the account online but I did shop in store. All items were delivered to my residence in Missouri. They won in court uncontested XX/XX/23 as I only had 4 days notice when they taped the service to my front door. I could not afford any payments as I am behind on my mortgage. I am a single parent and live paycheck to paycheck. I notified the law office of this fact. The Kansas court then approved a garnishment of my XXXX   XXXX  XXXX XXXX account on XX/XX/23 and was garnished on XX/XX/23. 
There are several issues with this. Kansas can not issue a garnishment of Missouri property. Kansas Supreme Court has ruled that wages are still wages in a bank account. I had notified the law firm of my money status and they still went after my account. They have been notified in court of the status and refuse to release. Lawyer had admitted he was still liable to only 25 % but I pointed out that in Missouri it is only 10 % due to head of household and hardship and that the wages were from before his order was granted. The judge immediately granted a court date. I believe this law firm is preying on the poor and unfortunate by circumventing the spirit of the wage garnishment laws in ways that require lawyers who they can not afford or else they would have just paid their bills originally. 
On XX/XX/23 I contacted XXXX  XXXX XXXX and informed them that they can not withhold the money for an out of state order as I live in Missouri, the bank account is a Missouri account and was opened as such. I explained that they already was fined for this prior. I waited on hold for a long while as they referred with the legal dept. All they would say is they believed it a lawful order. They also denied holding the funds and said the lawyer had it till I confronted them. The rep checked with legal again and admitted they were still holding. I am also on workers comp from a recent accident and wanted to be able to protect my ungarnishable workers comp payments and they said they can not protect them and they could be garnished.
Product: Credit card or prepaid card

XXXX has failed to process my payment, as outlined in a letter sent to them on XXXX XXXX ( following, with name of banking institution deleted ). They keep sending one line " unable to locate '' and " unable to resolve '' letters, and keep adding charges. 

-- -- -Beginning of letter I dispute all the charges reflected on the attached bill. This credit card was not activated until XXXX XXXX, 2017. There can be no valid charges before this date on this account. 

I had a previous Barclay credit card, a XXXX XXXX card. I called to cancel the account because I didnt want an annual fee. I had already sent check # XXXX on ***** on or about XXXX XXXX for the full amount due on that card ( {$55.00} ). XXXX still has that check. It has never been tendered to my bank and it has not been returned to me. I was offered this new card with no annual fee and I accepted the offer. 

I was notified that my payment was overdue because Unable to Locate. When I called to inquire, I was told that my bank had been unable to locate my checking account on which the check was drawn. On XXXX XXXX, I went to the credit union ( where I have banked without incident for more than 20years ) and learned that the check had never been presented to them. 

That day, from the credit union, with the manager and my checking account numbers at hand, I called XXXX. XXXX told me that XXXX had been unable to process my payment because they did not know to which credit card account it should apply. At the urging of the XXXX agent on the phone, I provided all the information required to process the payment by phone instead of by check. He processed the payment and gave me the reference number XXX. 

When I finally activated the [ new ] card this morning, I saw Purchases of {$110.00}, and interest charges on overdue payments. 

I again called XXXX and spoke with XXXX, representative XXXX. She confirmed XXXX receipt of check # XXXX and of the phone payment under reference # XXXX. I cancelled the new XXXX account on which there has never been a charge. 

You still have my original check plus the reference number showing my good faith effort to remedy your error by providing a substitute payment by phone. The telephone number for XXXX XXXX XXXX is XXXX if you need help figuring out how to process one of the referenced timely payments. It is an unlawful debt collection practice to attempt to collect a debt that is not due. I expect no further collection attempt or adverse credit action. 
XXXX End of letter This week I received a new bill, this time for {$82.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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 in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

American Coradius International LLC ( " ACI '' ) mailed me a collections statement claiming that XXXX. placed with ACI over {$34000.00} of unpaid amounts that I allegedly owe to XXXX. I called XXXX, which confirmed that amounts that I pay to third party vendors through XXXX are immediately debited from my bank account, and that my balance with XXXX is, and has always been, XXXX. Furthermore, I have never come close to spending {$34000.00} through XXXX. I investigated online, and many other consumers have claimed that ACI is " running a scam '' to collect amounts allegedly owed to XXXX when, in fact, no such amounts are due. I believe that ACI 's behavior is a deceptive attempt to coerce consumers like me to pay amounts that they never owed. ACI 's mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Vehicle loan or lease

I sent in a cashiers check over a week ago and it's been confirmed received and they still havent updates my account and still charging me daily interest. This is causing financial harm and totally illegal. I need them to credit my cashiers check to reflect payment in full and manually updated the 3 credit reporting agencies to show the account is XXXX balance and paid off.
Product: Credit reporting or other personal consumer reports

Subject : Delete or block Fraudulent Inquiries from my Credit Report Dear TransUnion, My name is XXXX XXXX XXXX, and I am writing to dispute fraudulent inquiries that appear in my credit report. Recently reviewing my credit report, I discovered fraudulent inquiries that I did not initiate. In this matter I create an account and filled out an Identity theft report. ( FTC report number is XXXX ). 
The details of the fraudulent inquiries are as follows : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX : XXXX XXXX, 2024 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX : XXXX XXXX, 2024 XXXX XXXX XXXX : XXXX XXXX, 2024 I want to inform you that I did not initiate or authorize any of those inquiries. It appears to be the result of identity theft. I want to request TransUnion to investigate these fraudulent inquiries and remove them from my credit report. 

I also request that TransUnion provide me with a copy of my updated credit report once the investigation is complete. Please provide me with written confirmation of receipt of this dispute letter and an estimated timeline for the investigation process. 
Thank you for your prompt attention to this matter. 
. 

Includes : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
A copy of my Identity Theft Report. 



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

XX/XX/XXXXXXXX XXXX XXXXharged off account. never sent me my 1099 form. 
XX/XX/XXXX XXXX charged off acount. never sent me my 1099 form. 
XX/XX/XXXX XXXX XXXX XXXX acount. never sent me my XXXX XXXX. ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX closed account. never sent me 1099 form.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Addresses on My Equifax Credit Report Dear Equifax, I am writing to formally dispute multiple addresses appearing on my Equifax credit report that do not belong to me. These inaccurate addresses are a result of identity theft stemming from the Equifax data breach, which compromised my personal information. 

I have never resided at or used these addresses for any financial or credit-related purposes. Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting an investigation into these inaccuracies and that all non-matching addresses be permanently deleted from my credit file. 

I would like to have the following addresses permanently deleted from my Equifax Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please take immediate steps to investigate and correct my credit report by removing the unauthorized addresses. I request written confirmation once this action has been completed. 

Thank you for your attention to this matter. 

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

XXXX, and Equifax are reporting XXXX XXXX XXXX as a duplicate account 7 times on my credit report! That is a clear FCRA violation and they refuse to investigate for accuracy and it's hurting my credit rating!
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. 



XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To have XXXX XXXX Account XXXX removed as it's past the XXXX years going onto XXXX already and XXXX refuses to remove it refuses to remove it