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

I check my credit report and I see numerous inquiries I didnt authorize Section 604 25 usc 1681 b -credit bureau does not have the right to report anything on your report without written consent.

Section 605a 15 usc 1681 c-1 With no consent your company is currently committing identity theft.

Section 605 b 15 usc 1681 c-2 Requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to properly notify the the furnisher of the information. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial XXXX XXXX XXXX XXXX XXXX XXXX financial XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were done without my knowledge, and the company did them without my consent.
Product: Debt collection

My information was leaked out and getting a bunch of spam call for months and etc
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX : # XXXX, Account XXXX XXXX : XXXX, Account XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over XXXX days since I received any response from all XXXX reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!
Product: Credit card or prepaid card

Activity on XX/XX/XXXX for the amount of : {$300.00} Action were taken : Called and talk to dispute personneldirectly on XX/XX/XXXX Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with the case. 
Purchase Adjustment credit on XX/XX/XXXX for {$200.00} Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with a short of {$100.00} of exitingdisputed. 
Writing a letterand mail to headquarteroffice in New York Submitted document online to complaint about exting dispute Called and talked to dispute personneldirectly on XX/XX/XXXX to followup with a short of {$100.00} of exitingdisputed. 
As of today XX/XX/XXXX my dispute is not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of Equifax Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.
Product: Credit reporting

The attached letter has been sent to this undefined entity that submitted an inquiry to my credit report, having a negative effect on me personally. My personal information has been compromised and I have taken all necessary steps to protect myself, but nothing is quite perfect in this regard. This particular assault is at once nebulous and dangerous, so it must be addressed. Your help is appreciated. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having problems when making payments and I am struggling to pay my bill. I reached out to XXXX XXXX asking for a temporary hardship plan at {$200.00} a month and to address the interest rate and reduce to up to 9 % - as currently my APR is 17 %. Citibank sent me a letter however when I called into their Client Focus Team and Customer Service Department to request for a pre-plan arrangement and temporary plans of 2 to 2.5 % of the current balance set as a monthly payment - I was told I would need to close my account. Other people are able to keep their account open and make payments arrangements with a lower APR - why am I not being given that option?
Product: Debt collection

He venido haciendo seguimiento a mi score los ltimos meses, y he notado un balance incrementado cada vez que se actualiza mi nuevo score de $17 y $1, lo que estn haciendo esta afectando mi crdito gravsimamente, no pueden reportar un balance incrementado sobre todo si ya cerraron la cuenta as que les pido que no lo sigan haciendo antes que tome otras acciones.
Product: Debt collection

Upon speaking to the representative he never read me the mini Miranda, I validation of the debt when he refused to provide. I also, informed the rep that i was making payments direct to client.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries for below accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK REFUSAL TO RECTIFY MISREPORTING OF INFORMATION THAT IS INACCURATE TO THE MAJOR CREDIT REPORTING BURAEAUS DESPITE NUMEROUS ATTEMPTS, TD HAS NOT RESPONDED. CHARACTER DEFAMTION AND NEGATIVE IMPACT ON QUALITY OF LIFE DUE TO THIS INACCURACY AND LOWERING OF CREIT SCORE.
Product: Debt collection

I pulled a copy of my credit report around the beginning of XX/XX/XXXX. I noticed that I had 3 accounts showing on my credit report from Miramed Revenue Group. All 3 accounts had different account numbers and had totals of {$50.00}. I called them they informed me it was copays from varies dates with XXXX XXXX. I advised I would pay off the accounts that was showing on my credit report and set up payment arrangements for the rest of the accounts. I made my payments on those 3 accounts showing on my credit report on XX/XX/XXXX. I called them today ( XX/XX/XXXX ) because the information still hasn't been updated on my credit yet. I was advised by a rep. that they would not update my paid accounts to the credit bureau 's until I paid all of my accounts off with them. I advised them that all the accounts with them have separate account numbers and are all for different dates of service. So they needed to update the information according they refused and stated they aren't sending anything to the credit bureau 's until I satisfy the other accounts that aren't showing on my credit report. I haven't received anything from them In regards to any of the accounts. Please help I dont think this is fair. I am trying to repair my credit and the fact that these may show for a longer time even though they are paid isn't fair to me.
Product: Credit card or prepaid card

I contacted the company on several occasions letting them know that I did not receive my bills. The company did not fix the error and continued to bill me later fees. I explained to the company that I was affected by the pandemic and that I was out of XXXX and moved into a smaller area. The company continues to say that the late fees are valid even though I never received my bills. I was relying on others to pay the bills. The company does not care about consumers ' financial hardship and never offered me a program for covid relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

1

5 U.S.C 1681 Section A States I have a right to privacy. 15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies in my credit report, specifically regarding multiple requests to correct late open attempts, late closed accounts, and an inaccurate charge-off status. These inaccuracies have had a detrimental impact on my creditworthiness and financial standing, and I am requesting your immediate attention and assistance in rectifying these issues. 

Below, I have outlined the specific inaccuracies that require your prompt resolution for correction and removal XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance Owed : {$0.00} - I see things XXXX be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX  Balance Owed : {$710.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

I have attached copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, account statements, or proof of timely payments ]. 

I request that you take the following actions promptly : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to address these issues in accordance with the Fair Credit Reporting Act ( FCRA ) can result in legal consequences. I trust that your company will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank You.
Product: Credit reporting

says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done.
Product: Mortgage

I contacted the holder of my XXXX XXXX XXXX XXXX, PA - XXXX to apply for forebearance for hardship related to the pandemci under the Cares Act. Customer service represenative XXXX was very persistent about asking speific questions related to financial need for forebearance and asked questions regarding employment and finances my financial outlook. XXXX also suggested numerous times that they would allow until the end of XXXX to make my XXXX payment. He also initially advised that missed payments would be due all at once, as a balloon payment, at the end of the forebearance period - I did dispute this and pointed out that it is a federally backed loan and a balloon payment can not be required as a repayment plan. He backtracked and said the only other repayment option would be the missed payments would have to be doubled up for subsequent payments after the forebearance ended - i.e. each month after forebearance I would have to make 2 payments a month until I was caught up. I don't think he can determien what the repayment options will be and also with federally backed loans I don't think they can require such stringent repayment options. He said there would be no other repayment options available. XXXX then continued to probe and question my financial situation - I had to insist that my request for forebearance be initiated and processed. XXXX advised that I would be receiving forebearance paperwork by snail mail - I expressed concern that I would miss the XXXX XXXX deadline and questioned about possibility of processing request online- he said there is no deadline. Finally, he told me the forebearance period would be determined by his managers - they would determine whether it would be 3 or 6 months and I would find out once I received the hard copy paperwork in the mail. I am upset by the persistent probing of my financial situation, the scare tactics of the stringent repayment options which don't align with the Act for federally backed loans, the lack of information regarding this forebearance on the website, inability to apply online and only via snail mail, the practice of them determining the period of the forebearance, and my concern that I am being told there is no deadline.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX/Carrington Mortgage Service is denying me a loan modification. I have had a medical hardship which temporarily reduced my income. They say that an investor or group of investors wont approve my loan modification request even though I have enough income to pay my monthly mortgage payment and had been paying a payment each month demonstrating my ability to pay. Apparently XXXX XXXX XXXX XXXX XXXX XXXX  is the trustee for the investors. I would like both of these companies to be contacted about my complaint. I believe Carrington is a dishonest servicing company based on the misinformation they have given me and failure to provide responses in a timely manner as required by law. My second major issue is they have failed to have a face to face meeting with me or respond to my letter requesting that. I spoke with them on XX/XX/XXXX and they verbally tried to discourage me from a meeting, saying the meeting would do no more for me than what I could do by phone. I pushed for a response to my written request and was placed on hold while a manager was contacted. I could not speak to the manager and was told the same thing again and also that I would have to drive 200 miles for the meeting that they would not come to me. I said fine, I continue to request the meeting. The gal said she would give another message to her manager and they would call me but if I didnt answer wouldnt leave a message. I do not know who my actual mortgage holder is and can not make any headway with Carrington in order to save my home. I have a substantial amount of money to pay towards the past due, but they refuse to negotiate. The only option they have given me is to pay XXXX on the XX/XX/XXXX but they cant guarantee they will accept that after that or tell me how long I have to pay that amount. I almost have that total amount and will have it on the XX/XX/XXXX and will attempt to get them to accept it. They are shady and dishonest and havent been following their own information and timelines they provide in writing. The servicer also changed the terms of my original mortgage holder and started refusing to accept late payments on different terms than the original mortgage holder did. They also failed to pay my taxes on the property for one of the parcels and then when I found out they raised my monthly mortgage payment to make up for their mistake. I would also like a copy of the note or deed for my home that shows who supposedly owns it now. My mortgage had changed hands so many hands I no longer no who I actually owe the money to and how to contact them. I really need help dealing with them.
Product: Debt collection

Please advise I have ics collection service responded back to cfpb and does not recognize this debt collection. This is not my debt and I want this removed from my credit report as I have reported this to XXXX XXXX  and XXXX and this has not been removed from my credit report. Ics collection services was contacted numerous times about this by cfpb and has no knowledge of this debt can we please get this resolved and removed from my credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Kohls has intentionally implemented a mobile app and website system which is designed to increase the probability of obtaining revenue by incurring late fees from consumers. I have not encountered a retailer which has refused to implement a WORKING automated online payment system for drafting minimum payments for each statement period. Several months ago, I tried to complete the set up to have these payments taken because I received a late fee. I have called on previous occasions to try to set up a recurring monthly minimum payment, which is not being offered. I entered all of my payment information on the website ( and it is still there to date ), however there is no option to make a recurring payment. Resultantly, I have been charged several late fees ( which by now total at least {$230.00} ) and to add insult to injury, I am also charged interest on these fees. I have been experiencing medical issues and family challenges which do not allow me to give attention to every email or remember to log in to Kohl 's to make payments, as I do not frequent the store enough to push this to the top of my to-do list. An automated payment for monthly minimums should be available, just as it is on other Capital One cards that I use. These practices are predatory in nature and designed to obtain money through dishonest means. My next step will be to try and find other Kohl 's card users because I am sure that I am not the only one who has been experiencing these issues.
Product: Money transfer, virtual currency, or money service

Dear Wise manager, With due respect, I am maintaining a membership account in your financial institution. 
I am sending this complaint on behalf on myself and the transfer sender, which authorization I got. 

On XX/XX/23 an ACH transfer, tracking number XXXX was sent to me. 

Last digit account number on XXXX transfer order was XXXX that do not match my Wise last digit account XXXX digit. 

Receiving Financial institution must control that both, account name and account number, matches sender ACH order instructions before releasing funds to a beneficiary account. In case that XXXX account name is not consistent with ACH account number funds must be returned to the sender. 

Wise was ineffective executing control mentioned above, as consequence funds were deposited on different account instead of returned to the sender. 

I first contacted Wise Customer Support on XX/XX/XXXX and they replied that funds will be returned to sender and that Wise can not trace ACH transfer because funds have not been paid to Wise. I got the same reply in the next XXXX emails I sent to Wise XXXX XXXX. 

On XX/XX/XXXX Wise customer XXXX contradicted its previous position replying that Wise denied a funds recall request because other Account XXXX withdrew the funds. 

Wise Customer Support has not shared any information about if it was a fraudulent transaction or any action to investigate a fraud will be taken from Wise side. 

The fact is that somebody who is not the XXXX transfer beneficiary withdrew funds that are not its property due to a Wise ineffective control. 

I request Wise to return ACH tracking number XXXX funds to sender. 
This request is sent on behalf of myself as XXXX transfer beneficiary, and on behalf ot the transfer sender, which authorization I got. 

I look forward to your reply and a resolution to my problem. 

Thanks
Product: Credit card or prepaid card

I've complained about the " horrific '' customer service one gets at Capital One. We write and call the CFPB for help but you do nothing to help us against these entities. Capital One has this credit card to help re-build credit. I've been so good at making payments that they send Marketing messages, refer a customer and we'll award you with {$500.00} BUT, the customer service reps speak broken English, they're not trained to tackle financial problems and blame us if we get flustered with them. On XXXX, all of America states how bad the customer service is at Capital One. 

I started to receive notices that my card was overdrawn but when I checked my online account, I was under the limit. So, I complained and complained to the customer service team. They never corrected the problem. This made me irritated .... 

Now, they canceled one card last year after I reported them to the XXXX  and I did NOTHING wrong. Now, they canceled another card last month ( ending XXXX ) without even reaching out to get my side of the story? 

We have to endure TRAUMA from their customer service treatment but once we give it back to them or defend OURSELVES, they take our credit and cards away. 
I feel that I'm targeted and discriminated against so I want my card re-Instated ASAP. 
Also, they are not RECORDING THE PAYMENTS I've made on my credit report which is illegal. 

I paid {$200.00} in XXXX, {$200.00} in XXXX. 
I'm tripling my payments since my minimum is only {$59.00} a month. 
Please don't let Capital One get away with discriminating against me. They got away with it once but NOT again. 

The USA hates MY RACE so bad that they'll do anything to destroy us. They want us to be in poverty, please save me from a racist person who did this too me at Capital One.