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

I had a fraudulent inquiry made on my account and transunion informed my via the specialist department, that I can not request a removal. This is a complete violation of my rights as a consumer and also a double standard. The transunion states if you find an inquiry that is inaccurate you can dispute or or if it is the result of fraud. However, I am NOT even able to access my OWN credit report via the transunion site. For the past 7 months i have had to PAY another company to get my credit report online becuase i cant even get my credit report from transunion via annual credit report or transunions own website. 

I informed Transunion of this issue and nothing has been done. 

I disputed the following inquiries that were not authorized by me : XXXX XXXX. ( I didnt authorize this ) LENDING Club - ( website says soft inquiry only ) I have requested online access to my credit report and have not been successful on Transunions website.
Product: Consumer Loan

I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This card is being reported as individual and it's a corporate credit card. This should not be reporting to me. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$64000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$1500.00} Credit limit {$57000.00} Highest balance {$67000.00} Terms NA
Product: Credit reporting or other personal consumer reports

( Fraud Block Request Declined - Document Submitted Not Acceptable ) I have already try requested information, and still after 4th, 5th time I still not able to resolve anything. Your company state that " Our goal is to maintain complete and accurate credit information ''. It's our commitment to you. You at this time have still reporting inaccurate information as of today, from my student loans amount that I paid down on, to late payments, to account that do not belong to me. 
I provided Arizona police report which is legal document. Per FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ( B ), nowhere does it state that my police report needs to be signed. In Arizona police report are done automatically online. Then police report is sent to you via email after it get approved ( I have attached the FCRA Law for your reference ) I also attached my Identity Theft report from the website https : //www.identitytheft.gov/, which again is LEGAL document, and I can be prosecuted for false information, in which is valid identity theft report and LEGAL. 
I also attached my complaint to Arizona Attorney General- My Driver License, Copy My passport, Statement proof address, and Social Security In next 30 days if do not have access to my credit report, I will seek Legal actions, and you have incorrectly continued report inaccurate information to my credit report and not allow access to my credit report.
Product: Credit card

On XX/XX/2017, I called Citibank and informed them that I no longer want to be contacted with credit card offers. I was told that it would take 30 calendar days for the request to be completed. In late XXXX and On XX/XX/2017 I received credit card offers from Citibank. On XX/XX/2017 I again called Citibank and informed them to stop mailing me. I also informed them that I was filing a complaint with CFPB.
Product: Vehicle loan or lease

I got a car loan and what everything that is going on i was struggling to make payments on my vehicle but i was still making payments and they wrongfully reprocessed my vehicle on XX/XX/XXXX which i made a XX/XX/XXXX of XXXX which my monthly paid is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, XXXX : XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX. 
To Whom it May Concern : I recently reviewed my credit report and discovered the following erroneous item ( s ) : PROSPER account number : **** This account is marked as 150 days late. I've never been late on this account.

I request that you VERIFY this information and give me with copies of any paperwork related to your investigation. In the absence of such verification, I formally request that this information be immediately removed from the credit file you keep for my Social Security Number. 
Finally, please erase any non-account holding queries older than 30 days and apply a promotional suppression to my credit file. 
Sincerely, XXXX XXXX
Product: Mortgage

Due to lack of communication after filing bankruptcy we got behind on our payment. During the process of catching up we where told different amounts and information during each communication. In XXXX we mailed in the balance due to make our account current and next payment due XX/XX/XXXX. I was told this total during two separate conversations with multiple employees after I was told a different total prior. I also confirmed this total before mailing the payment. Now the company is stating we have over {$1000.00} in fees and charges as of XX/XX/XXXX. Both XXXX and XXXX payments were made on time and in full. There is no explanation as to what these fees and charges are for on our statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.  

 

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate:  

Account Number:XXXX
Company: CB/VICSCRT
Status:Unpaid
Product: Debt collection

PUGET SOUND COLLECTIONS INC IS TRYING TO COLLECT MONEY FROM ME THAT IS NOT OWED TO THEM! 

I have requested information/validation on this debt BEARING MY SIGNATURE, as required by the FDCPA per code section 807-8, and have not received anything stating that I owe THIS company ANY money. 

They have repeatedly stated that they have validated this debt WITHOUT PROOF OF MY SIGNATURE. 

I have never done any business, never SIGNED a contract with them, nor do I owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4.US DEPT OF EDXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a XXXX XXXX rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Through XXXX XXXX I used XXXX XXXX XXXX through Comenity Bank. It was a two part promotional plan, one ending XX/XX/XXXX the other ending XX/XX/XXXX. Upon receiving the first bill I contacted customer service to get a full understanding of my plan and to make sure at the end I would not accrue interest. It was explained that my total amount due by XX/XX/XXXX divide that by the number of months before plans ends. That gives you a monthly figure to pay. To assure this was correct, I called back a second time and spoke to a different representative who explained it the same way. So once the first part is paid off, I have until XX/XX/XXXX to do the same for the second part. Follow that same payment plan and you wont accrue interest because your paying your balance off before it ends .On the first part of my plan I had the balance left of {$280.00} which was due by XX/XX/XXXX. I made that payment on line XX/XX/XXXX. When my account billed which would have my balance for the second part of my plan due in full by XX/XX/XXXX, I was charged {$850.00} in interest on an interest free promotional plan. When I called and spoke to a representative, I was told that I was charged interest because I should have been paying a minimum payment for the second part plan while I was paying on the first part plan. Even though I was paying more than the minimum payment due, I should have been adding extra for the second part. This is not how the plan was explained. And why give me a expiration date of the plan of XX/XX/XXXX if i had to pay it off as i was paying on the first promotional plan? The representatives obviously didnt understand the plan, because on more than one occasion it was explain by Comenity Bank Representatives . Why have a two part plan if your expected to pay on both at the same time. Bill me for both and show me on my bill what my payment is for each. I paid off both my promotional plans, with no missed payments and paid off by the date required. Comenity has added accrued interest of {$900.00} that I feel that do not owe. The balance is all interest added on after I paid the first plan in full.
Product: Debt or credit management

In accordance with the principle established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a creditor must provide sufficient proof to substantiate an alleged debt. This principle underscores the importance of verifying the legitimacy of a claim before seeking enforcement.

To resolve this matter, I request the following : Detailed Verification : Provide a detailed account statement showing the origin and nature of the debt, including the original creditor 's information, account numbers, and a complete transaction history.

Documentation : Furnish any signed agreements, contracts, or documentation that establish my responsibility for this debt.

Proof of Assignment : If the debt has been assigned or sold to your company, please provide proof of this assignment or sale.

Legal Validation : Any documentation or legal filings demonstrating your authority to collect this debt.

Until I receive the requested information and have had an opportunity to review it, I will consider this debt disputed and will not acknowledge any liability for it.

Please send all correspondence and documentation to my address listed above within 30 days from the date of this letter. If you fail to provide the requested proof, I will consider this matter resolved and may take further steps to protect my rights.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Debt collection

I have been sued for a debt that I do not owe, and that I have repeatedly told XXXX XXXX XXXX, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.
Product: Debt collection

This company has been calling me from a number that says " potential spam '' XXXX. They have called 6 times in 3 weeks. When they call they go over my birthdate and my name. They have never verified my address. But they tell me they are calling about a medical bill. I have asked them each and every time they have called as to what hospital this is through, because at the date of service they gave me I had 2 insurances that should have covered everything. They keep telling me XXXX XXXX XXXX. I have Never been to a hospital by that name. I have asked multiple times for a copy of the bill, I need to see proof where this is from. On XX/XX/2023 I got the call again at XXXX. I kept asking the rep over and over for the information for the billing. Instead he transferred me to the supervisor. The supervisor wanted to argue with me, I told him they must stop calling me until they can prove to me where this bill is actually coming from. The supervisor yelled at me, called me a XXXX XXXX XXXX' and hung up on me. at XXXX they called again, I refused to answer. and at XXXX they called again, I spoke to the rep. He stated he can not give me more information, as that is all they have. I got mad and hung up the phone. I am also going to file this complaint with XXXX. As I feel like they are not being honest and are now harassing me. They had called my husband the week prior and told him about a bill, and stated the same hospital, neither one of us never heard of this hospital. But they had talked him into paying a bill over the phone, he didnt understand his rights and was worried about it going to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my Experian Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to Experian that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to Experian. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with Experian, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Product: Debt collection

I received another email from PayPal Notification claiming a account has been temporarily blocked due to an attempted charge of {$790.00} for XXXX XXXX. I have never had such account with PayPal, nor do I have anything to do with a XXXX. I am totally against XXXX and have had intruders affecting my credit from an unidentified IP address in Texas. This is another fraud attempt that need to be stoped!
Product: Debt collection

I got a procedure done at the XXXX  and i had insurance and secondary medicaid. I informed hospital to send remaining balance to secondary medicaid through phone calls and letters. XXXX sent bill to collections. Letter was sent to collections to stop sending bills due to this needing to be handled by XXXX  and XXXX and more bills keep coming in stating amount owed
Product: Credit card

USAA credit card is continuing payment holds on funds submitted. I paid {$400.00} on Friday, XXXX XXXX, 2016 and it was released from my bank ( XXXX XXXX XXXX yesterday XXXX/XXXX/16. Can you please talk to someone in billing of USAA Credit card at ( XXXX ) XXXX and straignted this issue out. I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with Wells Fargo frequently for the past year. Both my case workers XXXX & XXXX are great & have helped me tremendously. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. If possible i would love for XXXX to be assigned to this case & if not XXXX then XXXX. Again, i am asking for the late payment to please be removed from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year>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 XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including my name, social security number, address, birthdate, driver 's license number, credit card numbers, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language. The complimentary product they offer is only available for a year, which does not cover the period of time necessary to protect my social security number from fraud resulting from the breach. Equifax ultimately did not have the necessary security protocols in place to handle highly sensitive personal information of 143 million Americans, and they 're actions afterward are not in good faith.
Product: Checking or savings account

I would be overdrawn in one bank account transfer money from my other bank account to cover it and would still be charged a {$35.00} overdraft fee and when I would call the bank they would refuse to refund me
Product: Mortgage

Refinanced a 2nd home loan for {>= $1,000,000} - 4 individuals on the loan but only the first 2 individuals are listed on the refinanced loan. 
The loan servicing was then transferred to Pentagon Federal Credit Union. 
I am listed on the loan and I am the designated person to handle the payments. However, I can not obtain the monthly mortgage statements. 
XX/XX/2021 - initial call to PenFed- they identified that I was on the loan and placed an internal request to have all 4 individuals ( including myself ) linked on the account so that I would receive mortgage statements. Was told 5-7 business days. 
XX/XX/2021 - 2nd phone call and told request was still pending and that they could not do anything else about it. 
XX/XX/2021 - 3rd phone call and told yet again that the request was still pending with no timeline to completion. Immediately after I sent an email to PenFed ( with cc to XXXX XXXX XXXX ) requesting timely completion so that I can obtain the monthly mortgage statements. Despite my online access to PenFed, the loan information is still not linked to my account and I can not even confirm that the loan payments are arriving correctly. I believe one of the parties on the loan may be receiving statements but he lives 20 miles away. 
Today, XX/XX/XXXX, XXXX checked online and still no linkage to the loan information. I have not received any response from PenFed to my email.