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

The Three Major credit reporting agencies are reporting Unauthorized, Fraudulent hard inquiries on my credit report please see attached FTC report # XXXX & please also UPDATE My personal address thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phones numbers i demand my social security number and date of birth to be removed From being displayed on the credit file for my privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected Consumer and I have a right to privacy. Not granting me my rights is in direct Violation of 15 USC 1681. And all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX Also I have hard inquiries that are mines but they are passed XXXX  Months also removed them from my consumer profile Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion-XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern, On XX/XX/2023, my XXXX Credit Card was charged {$3900.00} for airline tickets through XXXX. These were fully refundable tickets and we cancelled these tickets on XX/XX/2023. However, only {$3600.00} was credited to the XXXX Credit Card. {$230.00} was not refunded. 

After further investigation, we discovered that the initial charge should have been for {$3600.00}, as that is the amount that showed on XXXX and that is the amount that was refunded by the merchant. We were made whole as far as the merchant and XXXX are concerned. 

I brought this discrepancy to the attention of XXXX Credit Card as a dispute. I have been going back and forth with them since XXXX. They are denying this dispute. Therefore, I am bringing this to your attention for further investigation. Something fraudulent is going on here and I do not intend to be left with the short end of the stick. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX PNC Auto loan opened. 

The car was in an accident that totaled the car. Because of the sale price and small amount down on the car I purchased GAP insurance. The accident occurred early in XX/XX/XXXX and my insurance carrier had paid out their claim before the end of XXXX. I still continued paying on the remaining balance for XX/XX/XXXX and XX/XX/XXXX. I had to fight with ( multiple different representatives ) PNC ( the bank asking for payment ) for the correct documentation that the GAP insurance company required to process the claim on the remaining balance. They would not disclose the documentation required to get the GAP claim processed. By XX/XX/XXXX I finally worked my way up the management chain to an area supervisor that finally sent me the documents necessary for the GAP claim and the balance was paid in full. XXXX was " LATE '' only because PNC would not do their part and again I paid 2 payments in the meantime but couldn't afford to shell out {$440.00} for multiple months for nothing. By the time the money got to PNC the account was closed XXXX by their count initially XXXX in XXXX. After disputing the incident with experian they changed the close date to XXXX but this still cost me -80pts to all 3 bureaus ( give or take a few pts ) which took my lifelong achievement of XXXX Fico down to below XXXX wXX/XX/experian. This is unacceptable. I knew it could take a month or so to sort out but I never thought over 2-3 months and the late payment in XXXX I am still fighting to have wiped from my record. Never again will I do business with PNC. They messed up, they didn't give me the required documentation TO PAY THEM and by the time I finally got it and they apologized to me, AND STILL REPORTED IT LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Product: Credit card or prepaid card

I would like to address this to XXXX XXXX - the bank currently in charge of the XXXX XXXX store credit card. To date, in XX/XX/XXXX alone I have been charged {$54.00} in late fees and {$10.00} in interest. To explain, I set up this account in XX/XX/XXXX and was making monthly payments. Then I set up automatic payments through my XXXX Checking account. This was an option available on the XXXX XXXX website. I have used automatic payments for my XXXX XXXX in the past and my XXXX Checking account successfully. However, when connected with XXXX XXXX somehow my payments failed to go through and a late fee was automatically charged. A reminder to pay my account was sent only after a late fee had been charged. Then, on XX/XX/XXXX they contacted my father regarding these payments, giving him authorization to my personal financial information. ( Something I do not have an issue with ) However, what I did find an issue with is when he attempted to a ) make any payment toward the account or b ) pay the account balance entirely and close the account he was not given authorization.
Product: Payday loan, title loan, or personal loan

Unfortunately the account went to charge off status. When we agreed on a repayment that fit into my budget that is when this company started to report on my credit as if the account is still open but with a charge off status. The delinquent amount picked up where we fell behind and grows every month by the difference of my current payment and the payment when the account was open. I contacted the company asking about it and was told it wasn't them that it was my credit monitoring company doing that. I have my credit summary showing that every month they report.
Product: Credit reporting

Everything owed XXXX XXXX XXXX was paid. However XXXX XXXX XXXX did not remove XXXX collection or Equifax did not remove it from my credit report, while XXXX removed it months ago.
Product: Consumer Loan

Consumer Portfolio Financial is not applyng any of the payments towards any late fees. I have continuously submit payments that include the late fee but they refuse to apply the amount to any late fee. I have contacted CPS and they still refuse to apply the late fee as required. 

Also to print the bill and show the correct due dates as required. The bill is cut XX/XX/XXXX and received XX/XX/XXXX with a due date of XX/XX/XXXX. Essentially an individual will receive the bill after the due date. This has been brought fourth numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a XXXX XXXX  Bankruptcy on my consumer report, it is against the law to have inaccurate information on your consumer report. I have disputed this at least 4 different times and attached documents, but they keep stating that XXXX XXXX is verifying the information. 

The Bankruptcy Courts don't provide Bankruptcy information, and my account is blocked with XXXX XXXX. They have no way to verify this information and continues to state that XXXX XXXX is verifying the info which is false.
Product: Debt collection

I have disputed these 6 accounts multiple times, and I have not received anything in the mail from " Arcadia Recovery Bureau '' AT ALL! I am not sure the company even exists, I keep finding a college called Arcadia when I XXXX search, does this college teach credit reporting? I have no idea what to do or who to turn to. PLEASE HELP ME! 6 ACCOUNTS ON MY CREDIT AND THEY CAN'T EVEN SEND ME ONE PIECE OF MAIL! OUTRAGEOUS!
Product: Credit reporting

I disputed this item with XXXX and the item was removed and I requested that the other XXXX bureaus be notified, however, this was not done and the same error is appearing on the other XXXX bureaus and it is affecting my ability to obtain employment. I am XXXX. The credit bureau is reporting a public record XXXX from XXXX/XXXX/2011 as belonging to me however, when I called the courts about the debt belongs to someone else ( XXXX XXXX ) and this debt has been added to my report in error and I am requesting that it be removed. Please see attached supporting documentation.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX. The financing was done through Toyota Motor Credit Corporation. The original balance was {$28000.00}. ( 1 ) As an XXXX XXXX service member with the XXXX XXXX from XXXX to present, I have had two PCS moves since purchasing this vehicle. This includes an assignment in XXXX from XXXX to XXXX. ( 2 ) As a result of my XXXX beautiful children being born and PCS moves, my expenses were much higher than anticipated and I had trouble paying the car loan. We still have the vehicle in our possession. ( 3 ) Several months ago, my wife called Toyota and tried to re-establish a payment plan on this vehicle. The representative at Toyota said we could send a payment ( s ) but there is no guarantee that Toyota would accept the payment ( s ). ( 4 ) A few weeks ago, I met with military financial counselors who made me aware of a {$21.00} XXXX settlement on overcharges to certain minority buyers from XXXX to XXXX. I am a minority buyer and was never notified of this matter, although I was also stationed in XXXX during the deadline. I question whether I qualify for benefits from this settlement since I am a minority. ( 5 ) As of today, XXXX XXXX, XXXX, there is a {$9100.00} " charge-off '' reported with the credit reporting bureaus. ( 6 ) Today, our military financial counselor, and I called Toyota Motor Credit at XXXX and spoke with representative XXXX around XXXX XXXX  Central time. We asked about establishing a payment plan and she told us that she is not able to establish a payment plan as Toyota will be placing this account with a business partner. When I asked " who '' the business partner will be, she said it could be one of several. She said that " business partner '' will contact me for payment options and that it could take up to 30 days. ( 7 ) This is now the second time we have not been able to establish a payment plan. I'm concerned about my credit and reputation as I have not been able to establish a payment plan or reduced lump sum settlement.
Product: Debt collection

I have reached out to the rental property regarding the matter, but there has been no response for approximately twenty business days. Additionally, I have contacted the debt collector, who asserts they sent two emails requesting proof. Despite this, the third-party company continues to report inaccurate information on my credit profile. I have also provide proof of the debt being paid in full!
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

I filed a dispute for XXXX for not receiving my refund for XXXX and for XXXX from the XXXX XXXX XXXX atm withdrawal not receiving my refund or cash withdrawal and Im not getting any help from the dispute department
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i finally have gotten one fraudulent accounts that were in collections removed and instead of Experian, XXXX, and XXXX, XXXX XXXX raising the score 21 points like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my XXXX took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally soits XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX Pennsylvania warehouse, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code XXXX  XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute, explain, call email and send messages to Kohl 's Credit Card company regarding my issue with the late payments on my credit report. I explained my situation and they just tell me dispute. I just need the late payments that were not my fault ( I understand they were not Kohl 's fault either ) taken of my credit report. 

The late date showing on my credit report is : XX/XX/XXXX I explained to Kohl 's in message this : '' I am trying to remove a late payment from my credit report with you all from XX/XX/XXXX. I am trying to buy a house and had identity theft and when I tried to make a payment my bank had a security freeze on my bank account I make payments with I called you guys and you all promised to remove from my credit report and now my lender pulled my credit and said that is the only thing hurting my credit. Can you all remove from my credit report please? I would appreciate it thank you '' and Kohl 's replied this : '' Thank you for contacting Kohl 's regarding the negative reporting on your Credit Report. I understand that your credit is very important. At this time we are unable to accommodate your request. It is important for Kohl 's to report accurate information to the Credit Bureaus. If you feel the payment delay was due to Kohl 's error, please fax or mail a detailed explanation of the issue to XXXX, Kohl 's Credit, XXXX XXXX XXXX, XXXX, WI XXXX. Also include any documents that may aid in our review. Please include your full name, address and phone number as it appears on your account. If you wish to further pursue this dispute, you will need to send your dispute directly to the Credit Bureaus. The addresses are : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. We appreciate the time you took to contact us and look forward to serving you again. ''
Product: Student loan

I graduated college in  XXXX  with {$20000.00} in student loan debt from   XXXX   XXXX  . I initially struggled after graduating college to make these high payments. The loans often went into forbearance or deferment. The loan was then sold to AES in  XXXX . I now owe  XXXX ! I have paid on time for a few years now and still seem to owe this balance. It is truly outrageous and criminal what these companies and the government are capable of charging in regards to interest for a education. Something that is every individuals basic right. I have tried for over a year now to get my entire history from either   XXXX   XXXX   or AES in regards to how my interest could possibly have incurred to this point, and neither agency has the record .
Product: Credit card or prepaid card

I have disputing these accounts with the three credit bureau XXXXothing as happen XXXX XXXX and Equifax have not acknowledged my claims after I've sent disputes as well as proof that these accounts do not belong to my person. Please removed these accounts as they fraudulent..
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. 

I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. 

It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions.

I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Finance Team, my issue is with my current credit XXXX score across all three bureaus.. 
i applied for an Auto Loan with Bank of America on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the Bank of america network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from Bank of America . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!!

i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness..

i have included all screenshots necessary to show and highlight what have had happened.