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

On XX/XX/XXXXI ordered my free Transunion credit report from XXXX. I checked my credit report again on XXXX/XXXX/XXXX and I noticed a hard credit pull from Transunion made on XX/XX/XXXX. I ordered another Transunion report to be sure that a hard inquiry was made by Transunion. I contacted Transunion via phone and 2 representatives stated that there was no " hard '' pull made by Transunion and that the inquiry was a " review '' of my account. They also stated that their system is does n't show a hard inquiry pull made by Transunion. I have uploaded my full Transunion credit report that 's shows this hard inquiry. To expedite time I uploaded the inquiry page first.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to remove wrong personal information from all XXXX of the bureaus and nothing has changed. Under FCRA XXXX XXXX XXXX Code XXXX, I have a right to dispute any incorrect personal information directly to the bureaus.
Product: Credit reporting or other personal consumer reports

Im not liable for this report as shown on my credit report, with Consumer Portfolio Services.

My credit report shows a repossessed auto filed by CPS Inc I have never had a repossessed car / nor I have or ever had an account/ borrow money from this company. 
I contacted CPS Inc and they did not provide me an account or contract with my mane on it in their records as requested.
Product: Checking or savings account

On XX/XX/XXXX, I went to withdrawal money from a bank teller, and she miscounted and shorted me {$20.00}, when I asked to see cameras they told me to call a number. They also, said the drawers were not over which is untrue as money was missing from the amount given to me of {$420.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a wire transfer from Dime Bank to XXXX for XXXX. A week later I was informed by the company who was to receive it that they never got it. I contacted my bank and let them know. A few days later they said XXXX had requested the correct account number which was off by a digit when sent. I provided the correct account number and thought all was fine. XXXX again asked for the account number and it was again provided. Still my supplier never received the money. I was then informedly my bank XXXX was returning the money to me and I would have the money back in my account. That never happened. In XXXX I was informed by the branch manager that the bank attorneys were involved and they were going to handle this. I learned on Friday from the regional manager no bank attorneys are involved and that basically there was nothing else they could do. He told me I verbally provided the incorrect account number which was a lie. I provided a printout which had all the correct information on it. Myself and the Clerk signed it, as well as the branch manager who later approved it and sent off. I have been mislead from the start as to what was happening. I have been more than patient and would like them either hire the bank attorneys that they said were working on this and refund my money. After banking with them for 32 years I expect more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in my name.
Product: Mortgage

My home was in the process of Foreclosure with Green Tree Servicing we were able to get it modified and save our home in XXXX we received the final modification our unpaid principal balance was $ XXXX and on top of that they said we owed New Money of $ XXXX that brought the New Modified Amount to $ XXXX how is that possible, I thought the XXXX Loan Modification was to help us? Our Payments were to be {$1300.00} for the first 5 years then it will go up on the 6 year and then go up again XXXX20 years and on the 21 year need to make last payment in the amount of $ XXXX which its impossible. Also now every month my payments have been going up XXXX was {$1300.00}, XXXX & XXXX {$1300.00} and now XXXX is {$1400.00} I called Green Tree and they were Nasty and told me the increase were fees that were for Repairs ( which no one has come to repair anything ) also attorney fees, they never sent us a letter or did we authorize them for these fees and they are withdrawing it from my bank automatically without our authorization since we only authorize the original amount of {$1300.00} monthly. They refuse to help or even give me proof or remove these charges they are just scamming me. Please help me
Product: Credit reporting or other personal consumer reports

I received an alert from credit monitoring that I had a new hard inquiry, when I checked my credit report there was in fact a new inquiry that I did not initiate. The inquiry was from XXXX XXXX, XXXX on my Equifax credit report. I submitted a dispute through Equifax and the result was Verified as accurate. I then contacted XXXX and was told there was no inquiry initiated by them. I submitted a new dispute and talked to Equifax and was told that XXXX verified the inquiry to them as accurate yet again.
Product: Student loan

I am being charged almost XXXX dollars in INTEREST alone, per month after they put me in admin forbearance because they are still working on my repayment plan which I submitted months ago! When I call, I am constantly on hold for up to an hour before a representative pick up and every answer I received is " we are still working on it, contact us in 10 days ''. They are purposefully delaying the process in order to accumulate and compound XXXX dollars of interest per month!!!!! They are clearly dragging there feat to avoid the following policy of the SAVE Plan : " Outstanding interest is eliminated each month. Any interest you didnt pay was compounded back into your loan under the IBR plans, resulting in many people owing substantially more than they borrowed, even while making their assigned payments. That wont happen under SAVE since interest beyond the portion included in your payment no longer accumulates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered many UNAUTHORIZED inquiries on my credit reports from PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. They DO NOT have authorization to make inquiries on my credit report. It appears they have been making an inquiry every month since 2016!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call citi card company was informed if there was a error on the bank they would not report to the credit bereau, XXXX  XXXX began to argue with me and stated unless there was a error with the bank will I be able to remove the late inquiry on the credit report, what a affiliate XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit file, I am writing to dispute the inaccurate informations. 

XXXX XXXX XXXX Balance Owed : {$0.00} -How can I have a late payment history when the balance is XXXX????. Please remove the lates in my credit history of this account.
Product: Credit reporting or other personal consumer reports

RE Account Numbers- XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, Equifax, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Debt collection

I have no idea who CBE GROUP is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CBE GROUP as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who CBE GROUP, is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CBE GROUP, that  authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

I recently saw on my Amazon Synchrony Card Statement a charge for " Card Security ''. I did some investigating and saw this was being charged my account for over FIVE YEARS. Turns out this " service '' was somehow added to my account. Anywhere from $ XXXX {$80.00} charges on my card, every month, since XXXX XXXXI called customer support and spent over a month back and forth on it. I heard EVERYTHING on the script, I can recite it at this point. Got 2 escalations in the system, both were reject because they'd only offer me a 1 year refund, NOT the full 5+ year refund. I believe this is a scam and I never signed up for it. I never would sign up for something like this. 

Their system is tailored to prevent people from getting their money back for a predatory and bogus feature on a card. Also their " supervisors '' are impossible to get a hold of. I spent a month calling ( 20 times total ) and I heard " Unfortunately a supervisor is not available at this moment '' EVERY TIME. I then had to be more pushy cause this just wasn't getting resolved and suddenly a Supervisor was available. More scam tactics. 

I have 4 total synchrony accounts and ONLY my Amazon has this ridiculous feature. Again, I never signed up for this and I feel I've been scammed.
Product: Debt collection

By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. I want to XXXX + days late REMOVED. You can not legally report lates and you know this. You are reporting XXXX + days late, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The delinquent date from XXXX  XXXX was XXXX I have NEVER entered a payment agreement with MidLand Funding XXXX 
When a debt buyer re-ages a debt, it often falsely reports new account activity, such as recent payment delinquencies, or it might alter the date of your account, such as changing the date you opened the account or last made a payment. 
I have NEVER disputed this old collection. Out of the blue your agency is now reporting consumer disputes this is a lie and you are wrongfully reporting false information on my credit report. This needs to be removed immediately. Each time the credit bueauers remove the dispute remark within XX/XX/XXXX hours Mid Land puts the remark back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports requested by XXXX, XXXX, XXXX, XXXXt, and XXXX  in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contained these " Key factors that adversely affected your credit score '' : 1. XXXX : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH 3-4 % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX. 

2. Transunion : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX loans. 

XXXX. XXXX : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX
Product: Debt collection

Hunter Warfield, Inc. Buy the account from another company they calling me al day friends, family, Everybody my job I have Conversation with them over the phone to stop all this and they answer was ( good luck ) not respect and I want to end this and I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX / XXXX, XXXX, XX/XX/XXXX / XXXX XXXX.