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

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying 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

The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the 34 participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement XXXX who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/XXXX I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, Equifax and XXXX ), finally on XX/XX/XXXXthese 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX   credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and Equifax I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX and Equifax knowing that these accounts were the same ones deleted from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  XXXX XXXX business credit card back on XX/XX/2023 and application was received after I sent about 8 documents including sensitive information they requested including my tax returns for both years. After reviewing all the information, XXXX  XXXX XXXX declined my business credit card application and sent me the decline email and letter XX/XX/2023 ( see attached ). 

Fast forward to today XX/XX/2023 and I wake up at XXXX XXXX  to an inquiry on my credit report from XXXX  XXXX XXXX. They pulled my credit again for this same application that was already closed without my consent. I never called or talked to someone and asked for this reconsideration, my report is not allowed to be pulled a 2nd time without my authorization. I need XXXX XXXX XXXX to work with TransUnion to remove the inquiry dated XX/XX/2023 from my credit report as this was not authorized. You can't say that it was a reconsideration because I never asked for this and if I were to ask, I'd expect to be told I would get another inquiry. This inquiry needs removed as it was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed an address on Equifax and they claim the information is accurate although it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as  well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN 's duty pursuant to the FCRA is to be reporting correct and accurate information on my credit report and file, however they are NOT. 
EXPERIAN is reporting an inaccurate late payment for the XXXX XXXX XXXX account beginning XXXX. They show a 30 day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED and this account should no longer appear on any credit reporting as it is CLOSED. I disputed this with them directly XXXX, XXXX. Furthermore, pursuant to 15 U.S.C.

1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX  did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, on my XX/XX/2022 Equifax credit report there are 6 unauthorized hard credit inquiries I am disputing and would like removed from my credit report - attached to this complaint are : - drivers license - social security card - address - letter - screen shots of all 6 Please have these 6 unauthorized hard credit inquiries removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports 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. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX  XXXX, Acct # XXXX Sincerely, XXXX XXXX
Product: Student loan

Everytime I make extra payments ( in addition to my auto-scheduled payments ) I can not make them simply to the principle. That is not an option. The only option available is to " make a payment '' and it is always applied to interest as well as principle. The further I make a payment from XX/XX/XXXX ( my auto scheduled payment ), the more interest I have to pay. I believe that if I am making additional payments that those should go strictly to principle, just like a mortgage or car payment is allowed to go to principle. 

Additionally, ever since Navient took over the student loan, I no longer see the " pay in full '' option that I used to see. I used to be able to see my total repayment option if I 'Paid today '' and, if I selected that, that price would be honored for up to 10 days while payment was processing. With Navient, that is not the case, so should and when Ihave the money to pay something in full, is that going to be an option? or will I be penalized by having to pay principle as well ( which is n't defined ).
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card or prepaid card

Chase Bank sent me an insufficient funds notice on XXXX/XXXX/XXXX {$30.00}. Changed my check- ing account from Chase to XXXX XXXX earlier this year. Only kept minimal amount in Chase account to maintain the business account. All other purchases were made from XXXX XXXX. - {$120.00} Chase balance was paid on XXXX/XXXX/XXXX by XXXX check # XXXX. I forwarded a letter to Chase on XXXX/XXXX/XXXX, along with my cut up debit card, with specific instructions to immediately cancel my business account. The overdraft was caused by XXXX not using my correct authorized credit card account. On XXXX/XXXX/XXXX I deleted the Chase card from any further purchases, only authorizing XXXX XXXX debit card for future purchases. I was again contacted by Chase concerning the overdraft on XXXX/XXXX/XXXX and several phone calls per day from XXXX. I explained to the caller that I had already forwarded my check, # XXXX with my cut up debit card, as full payment for the {$120.00} overdraft and that I had instructed them to immediately close my account with no further authorized transactions. On XXXX/XXXX/XXXX I received another insufficient funds letter from Chase in the amount of {$79.00}. This transaction was not authorized by me and it was after Chase account cancellation. From XXXX/XXXX/XXXX until this date Chase has been harassing me, telephonically concerning this mentioned overdraft. Chase paid XXXX an additional {$79.00}, {$14.00} and {$58.00} and charged me an overdraft fee of {$100.00} after I directed that my account be closed effective XXXX/XXXX/XXXX. I personally spoke to a Chase representative on XXXX/XXXX/XXXX and no more transactions should have been authorized after XXXX/XXXX/XXXX. I was advised that my check # XXXX ( {$120.00} ) was deposited on XXXX/XXXX/XXXX. This whole time receiving harassing phone calls daily from Chase. On XXXX/XXXX/XXXX I deposited my check # XXXX, in the amount of {$150.00}, payment in full for the unauthorized payments to XXXX. I again advised Chase XXXX, La. manager that I was paying XXXX unauthorized payments in full and that I again directed that this Chase account be permanently closed today. I had to place the Chase number XXXX XXXX on my phone number delete list in order to stop receiving the harassing calls. 
I have verifying documents ( 11 ) if you need verifying documentation.
Product: Credit reporting or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative date opened XX/XX/XXXX Balance {$28000.00} Status Paid or paying as agreed. XXXX XXXXXXXX Potentially negative date opened XX/XX/XXXX Balance {$1900.00} Status Paid or paying as agreed. 
FCRA violations : accounts not mine XXXX Potentially negative date opened XX/XX/XXXX Balance {$650.00} Status -. 
FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family. XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family. XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single Family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed that I was potentially impacted by the Equifax 2017 security incident where my information may have been stolen via website vulnerabilities.
I am furious that a company that I can not limit information sharing from has handed over my most sensitive and personal information to hackers and has not protected it adequately. I 'm further outraged that this appears to impact a significant portion of the American public, not just an isolated incident! 

I demand that Equifax provide lifetime credit monitoring services without asking that I surrender my legal rights through arbitration clauses.
Product: Checking or savings account

I have an account with TD bank. There is no funds available in my account. Yet TD Bank keep charging my account and charging me fees for them charging my account to pay bills. I told them I did not authorize the payments so the charges are fraudulent. They refuse to remove the charges and now are asking me to pay XXXX dollars in fees. I asked the bank to close my account and they refuse. Now they are harassing me and calling me everyday at least 6 times a day and leaving voicemails.
Product: Consumer Loan

Called an auto dealership in our area and explained what we were going through and told them what that we had XXXX to put down and unfortunetly told them how we did not have any funds for sales tax and they told us oh no problem and I asked how much would this cost and she if we could find a lender, I will let you know, we were under duress at the time as we had no car, so we went to look at it and it was sitting outback, did not let us test drive it, said they had to put muffler on and which they did but that was all as when we got the car, no heat then ac died then wheel well was problems in which they fixed but were not happy to as it was within 30 days. But the most important part was we signed it because we were desperate and had no other way to get a car, no funds in bank, absolutely nothing, my husband was using the company truck for a limited time as he needed to get to work. When we signed we had not had a car payment since XX/XX/XXXX in which we payed it off with a bank. They charged us 21 % as said my husband did not have any credit but we had owned a home and sold it in XX/XX/XXXX, so I do n't understand how we had no credit, so I had to be a co-signer and my credit is not good from student loans and never gave it much thought until our excise bill came and stated that the car was only valued at {$1800.00} and that really opened my eyes and I looked into XXXX XXXX book and so that was true, and in the mean time, checked our paperwork and saw that after all payments were done, we will have paid {$11000.00} for a car worth {$1800.00}?? They said the total cost of your purchase on credit, including your XXXX downpayment is {$11000.00} and now if someone hits our car and totals it, we only get {$1800.00} and still have pay {$11000.00} for the car. They took advantage of our bad credit and it was not a bank it was Credit Acceptance of Michigan and digging further on line about them, they do not have a good name. Now looking at it we are having hard time paying as well.
Product: Debt collection

XX/XX/XXXX {$4600.00} I have contacted company by email on the month of XX/XX/XXXX and sent them statement about this account with police report attached but have not received any response. I did file a police report as stated above due to being a fraudulent account on my credit that I don't recall opening.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Product: Money transfer, virtual currency, or money service

I sent money to an individual through the XXXX app which is partnered with my bank, PNC. I was scammed and the item I paid for was not provided and the individual has since disappeared. I filed a dispute with my bank and after 2 weeks they said there is nothing they can do about it. I have spoke to several reps at PNC Bank and was even transferred to the escalation department and was still told oh well we cant refund your money because you initiated the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since becoming pregnant in XXXX and the pandemic I have been struggling to pay my car note. I called in XXXX of XXXX to advise that I would be having issues paying my bill and wanted to see if there was any assistance available. I was placed in the Covid protection program. At the end of each I would make my payment if I could.

After living off of my savings for 2 years, I have no money. I called credit acceptance to see if there was anything more that could be done so I could keep my vehicle and my credit not be impacted due to the global pandemic. They would advise for me to just make payments that I can afford to pay, they reassured me that I would stay under covid protection. In the mist of not qualifying for unemployment benefits and not being able to find a job that paid enough to allow me to send my newborn to daycare, I missed XXXX payments. 

I called credit acceptance in XX/XX/XXXX to explain what was happening and why I missed the XXXX payments and begged them to keep me on covid protection. Even though prior to XXXX, I was not late or missing a payment, they refused to put me back on covid protection. I am in a single-mother group that shares helpful information with each other and XXXX of the mothers told me that the same thing happened to her and she was able to get back on the program and her credit was not affected. 

Since not being placed on the XXXX XXXX XXXX, I have still been making payments when I can, but my credit has been hit extremely hard, so much so that I can't get approved for an apartment for me and my daughter. 

My XXXX XXXX was XXXX, and because of covid and credit acceptance, my score is barely at XXXX. I really need help, I'm not deep enough in debt to be able to file for bankruptcy, credit acceptance is what is hurting me the most. 

Currently, my daughter and I are living in our car since I can't get approval for an apartment that is in a safe neighbor for us both.