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

I viewed my credit report from Transunion and I noticed there is a hard inquiry that does not have PERMISSIBLE PURPOSE to be on there. I filed a dispute with Transunion via mail that they recieved on XX/XX/2023, which they refused to help. I did not authorize anyone to pull or review my credit report. I have not given Transunion written permission to furnish this information and this a violation of 15 USC 1681b ( a ) ( 2 ). My consumer rights have been violated and this is hurting my ability to get approved and causing me distress.
Product: Consumer Loan

I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. 
Capital one has been reporting to all XXXX credit bureaus the history of my payments. 
I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. 
I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. 
Please help
Product: Debt collection

This collection account is still falsely reporting on my XXXX and XXXX credit report it was deleted by XXXX for false reporting and inaccurate information and violation of the Fair Credit Reporting Act : According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have been requesting this information and LVNV is unable to provide XXXX requesting this account be deleted. 
I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Mortgage

We have had this pick-a-payment ( sub prime loan ) since   XXXX   .For the past 10 years we have been trying to get out of this loan. We have tried on numerous occasions to refinance as well as motifications we have never had any success as wells fargo always has another escuse why they can not do anything for us. Motification they say i make to much money I have a family of  XXXX   XXXX  in collage  XXXX  still in high school i might make good money but with this mortgage i dont have even enough money to pay a mortgage of  XXXX  a month at 6.95 % We are not a   XXXX   XXXX   XXXX   XXXX   loan .... we are however a hard working family that is trying to save our house from forclousure / shortsale .We are looking for a lower rate mortgage so we could afford to stay after close to 15 years and  XXXX  already paid in interest to this pick a plan loan Thank you in advance and hope we can get some sort of help The  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in early XXXX 2017 by Equifax. My information is now public and I do n't know who has access to it.
Product: Credit card

I purchased a stove, washer and dryer from Home Depot. I made the payments on time until I fell on hard times. They called me and set up a payment plan with me. I had been on this plan for over 2 years allowing them to draft my acct faithfully on the XXXX of each month. I called on XX/XX/XXXX to have the draft stopped for one month and agreed to pay XXXX payments XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was told the payment plan would resume drafting again XX/XX/XXXX. When the payment did n't draft on the XXXX I called on XXXX and was told the plan had to get set back up I made a phone payment with XXXX and was told to hold for a certain department. I held, held and the call ended my lunch time was over. I then received a letter stating my payment plan was terminated. I called and spoke with XXXX who then transferred me to XXXX on XX/XX/XXXX he told me the plan was terminated for missing XXXX payments advised my payment were missed, he then went on the inform me there was nothing that could be done as far as putting me back on the plan and my payment was not {$100.00} and no longer {$90.00} and the ARP was back at 26.99.By being on the repayment program I put a big dent in the balance from over {$5000.00} to a little under {$3100.00}. My plan was terminated unfairly and I desire to be back on the plan to get this balance paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

FROM : XXXX XXXX Account # XXXX XXXX XXXX XXXX TO : US BANK ACCOUNT SERVICES Hello, My account is under review for an altered/Fraudulent Check This is a lie. The check was from my Insurance company and I have the proof it is not fake right here. 
I came into the XXXX XXXX branch earlier last week ( XX/XX/2022 ) and spoke with the manager XXXX XXXX. He told me my account was to be closed due to a fraud check which is not true. He actually accused me of this and was very rude. My insurance adjuster provided me the check and the proof my check was real. I cashed this at another bank but you still have my money from a separate {$5000.00} deposit I made before I made this one and my account is still on hold. 
I have attempted to contact him multiple times via phone and email and he wont respond or I got an auto email telling me hes out until the XXXX! 

I need this account restored TODAY I can not allow you to hold this any longer and I have called and emailed your branch and the back office and the fraud dept and multiple times and have been ignored. The branch is the only one who can remove the hold. I want that REMOVED NOW! Here are the images of the check and the link to the page you can view the check issued from my insurance company it matches the check I deposited and the other checks I deposited from this same accident. 
Click Lick for info on check issued XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX You can call my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my account unfrozen and money today the number you gave me said directly TWICE only the bank manager can do this. 
Thank You XXXX XXXX Account # XXXX XXXX XXXX XXXX ATTACHED : IMAGES OF CHECKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/16 Ally XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

The amounts are still fraudulent with no explanation? There is no explanation for fraudulent charges. I have video of day car was repossessed and charges and payments are fraudulent in account as well including last payment. Account was still charging fraudulent charges. There needs to be full investigation on overall account. I will be be pursuing further if no actions are taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/XXXX, I was applying for student loan refinancing online. Through this process I was able to see that Equifax and XXXX  had incorrect information on my credit report. My mother and I have the same name with a different initial and a debt collection of my mother 's ended up on my report. I called XXXX on XX/XX/XXXX and was able to not only file a complaint over the phone, but they were able to fix the error on my account at that time with an estimated 24-48 hours for it to be changed on my actual credit report. This is because they could see on the report that the account connected to the debt collection agency did not have my social security number and it was clear to them that this was not me. After this time I went to make my dispute with Equifax and put in an online request. Unfortunately, since this was a dispute on a debt collection agency because of a name merge with a family member, I was told to fill out a different form where I listed the debt collection agencies specifically - this was confusing to me to do multiple forms. I received a confirmation email today Tuesday XX/XX/XXXX with a confirmation number and saying that my dispute had been resolved and that I could check the results of my dispute online. I clicked the link and when I put in all of my correct information in the form, I was told that my information was not a match to my records ( which is not true ). I then called Equifax directly ( I would have called over the weekend but unlike XXXX they do not have their phone lines open on the weekend ) and was frustrated by my call. They told me that the reason I was having difficulty with the website was that there was an error within the system. I had to ask multiple times to have things explained to me. I also did not understand why this could not be resolved on the phone as XXXX  had done. I'm told that it could take 30 days for this resolution. I'm in a bad bind now because of this - while I do realize that it is not the job of the crediting bureaus to notify me of all changes on my account and that it is my responsibility to be informed of my credit report, I still do not understand why Equifax could not look into the dispute over the phone and help to resolve it then like XXXX  did. I've not had experience with credit reporting agencies before, other than when Equifax had the security breach and I needed to look into that and then place a freeze on all of my accounts, and so perhaps the speed of help with my dispute that XXXX was able to do is outside the norm and so I should not expect the same thing between companies. However, XXXX made it seem like this was a straightforward case given that the social security number associated with the debt collection was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 u.s. code 1681i- procedure in case of disputed accuracy.

If the completeness or accuracy of any of information contained in a consumers File at a consumer reporting agency is disputed by the consumer and the con notices the agency directly, or indirectly through a reseller, of such dispute, the Agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller Account # XXXX XXXX, Trans Union, XXXX
Product: Payday loan, title loan, or personal loan

We had a XXXX representative sign us up for a loan to install windows. We were advised by this rep that the loan was 10 year loan at 6.9 % but if we were able to pay off the loan in 5 years then there would be no interest. We were given 3 days to cancel this loan through XXXX. 
It took 5 days to receive the actual loan documents in the mail from GreenSky. The documents in the loan letter stated it was a fixed rate loan of 6.99 % for ten years. There was no mention of the interest free for 5 years we were promised and the rate was also quoted to us incorrectly. 
When reading the terms of the loan from GreenSky, their terms stated we would not be charged until we provided our account number to the Merchant/Provider. This was inaccurate as XXXX had already charged us before we got the account number in the mail. 
XXXX made changes to the initial contract which lead to us choosing not to continue the transaction with them. We never made a purchase with this company but they still billed our GreenSky account. 
We contacted GreenSky to advise them of the inaccurate information provided and the services not rendered and they stated we needed to pay the amount owed on the account. 
We believe there are several violations that have occurred with this transaction. We were quoted a wrong interest and promised interest free when this was not the case. Since GreenSky allowed XXXX to represent their loan in this inaccurate manner, GreenSky should be held responsible for allowing the misrepresentation. Since we never received the product, there should be no issue with GreenSky canceling the account.
Product: Mortgage

I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would " make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the " investor '' refuses to give another modification.
Product: Checking or savings account

On XX/XX/2023, my father passed away. Prior to his death we shared joint ownership of a savings account and my brother was appointed power of attorney. Less than 1.5 hours after my father died, my brother withdrew everything from the account ; he had no legal right to do so. I informed Capital One and they did nothing. My father received a VA XXXX payment the following month that was also withdrawn by my brother due to Capital Ones negligence. After reviewing my case they determined that there was no fraud. I have extensive evidence to prove otherwise and I will gladly provide you with a detailed, well-organized paper trail that shows how poorly Capital One handled my claim. Bottom line, they do not want to admit that they made a mistake ; they need to be held accountable.
Product: Credit card

In XX/XX/XXXX  I purchased 4 guitar cases from XXXX on XXXX for {$230.00}. The vendor stated in their listing that 100 % customer satisfaction was guaranteed and that return shipping would be paid by the vendor. ( I have screen shots proving this and I provided them to CITI CARDS. ) When I asked to return the items, XXXX sent me to a webpage that provided me with four postage-paid return labels THAT WERE ALL EXACTLY THE SAME. I packed up the items, attached the labels, and brought them to the Post Office, where I was told that none of the labels had enough postage to return even one of the items. XXXX subsequently told me that the cost to return them was more than they were worth and offered to refund me {$5.00}. I could not find a way to contact XXXX, which I'm sure was their intention. So I contacted CITI CARDS ( in XXXX  ) which promises to protect its customers from fraud such as this. CITI refused my dispute. They have given various excuses for this at various times. They claimed I didn't prove that the vendor did not honor their promises, which is false. They also claimed that they could not refund my money because I didn't return the items! This is clearly a Catch 22 and it is THEIR fraudulent rule, which they could change. They have also claimed, recently, that there is nothing they can do because it has been so long. Lie. CITI is in cahoots with criminals on XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account HARRIS & HARRIS amount {$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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am requesting a proper reinvestigation on my dispute, when it comes to providing proof of the verify information. I requested proof of documents, bank statements, or some type of data. To show I was late or missed a payment. Yet they fail to do so, which is a big VIOLATION. I demand that this error be reversed to PAID ON TIME / NEVER LATE or OK on my credit report! I am writing to dispute inaccurate late payments entry, on my credit report as allowed under the Fair Credit Reporting Act, specifically referencing 15 U.S. Code 1681a and 15 U.S. Code 1681s-2. As per these laws, furnishers of information to consumer reporting agencies are obligated to provide accurate information and are prohibited from reporting information with actual knowledge of errors. Under 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. This implies that any information reported should be accurate and reflective of the actual transactions or experiences. Additionally, 15 U.S. Code 1666b further supports my right to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified discrepancies that do not align with my payment history and financial behavior. Specifically, there is XXXX XXXX - XXXX XX/XX/2022, XX/XX/2022, & XX/XX/2022. I am formally requesting an investigation into these inaccuracies and urge you to correct the information on my credit report accordingly. I also request that you provide me with a copy of the investigation results and any actions taken to rectify the errors. Please be advised that failure to comply with the Fair Credit Reporting Act may result in legal action. I expect a prompt resolution to this matter and appreciate your immediate attention to rectifying these inaccuracies.
Product: Credit reporting or other personal consumer reports

I demand to see XXXXerifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect and illegal late payments reporting in violation of FCRA ), 15 U.S.C. 1681
Product: Checking or savings account

On XX/XX/year> I disputed {$3000.00} worth of transactions fraud and sent proof and attachments and wasnt able to speak to anyone or receive my money back
Product: Debt collection

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSSN :XX/XX/XXXX AmSher Compassionate Collections, a XXXX company. 
XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX These companies is trying to place a debt collection on my credit report and the collection does not belong to me
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance in investigating accounts with inaccurate late payment reports. When I was laid off, I requested forgiveness, which they approved, yet they continue to report the payments as late. Despite my efforts to follow up, Ive received no updates, leaving this as my last resort.
Product: Debt collection

ACCOUNT LISTED DOES NOT BELONG TO ME AND IS SHOWING ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>