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

Since XX/XX/2021, Transunion is the only credit reporting agency that is maintaining an incorrect HARD INQUIRY on my credit report. 

I have NO relationship with XXXX XXXX XXXX yet a HARD INQUIRY has been reported on my account for XXXX XXXX THIS IS INCORRECT. I have repeatedly asked them to remove this hard inquiry with no success. 
I have asked for copies of any verification document showing any such relationship, credit offer to me, etc. and Transunion has failed to send me anything. 
TransUnion ignored my requests and disputes and continues to report this incorrect information that hurts my credit score. 

Despite my notices to TRansUnion that this is incorrect and my requests for investigation, THIS INCORRECT INFORMATION HAS BEEN REPORTED EVERY MONTH ON MY CREDIT REPORT FOR ALMOST TWO YEARS by TRANSUNION.

I would like this hard inquiry immediately removed as it is INCORRECT and has lowered my credit score for almost two years. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX, an unknown identity thief opened a XXXX account in my name and proceeded to make purchases and receive cash advances, totaling ( including interest and fees ) : {$2200.00}. On XX/XX/XXXX this account was taken over by XXXX Bank, which has since been taken over by UHG I LLC. Their law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX served papers to my home, to my daughter, in XX/XX/XXXX. We have since been in communication and I filed my appeal, pro XXXX, on XX/XX/XXXX. I received a mailed response from the law firm on XX/XX/XXXX. 

Since this is a case of identity theft, and they used a previous address that I hadn't lived at since XX/XX/XXXX, I did not receive any bills or correspondence. They also used a partial version of my name which is and has never been my legal name, a name that is not on any of my legal ids. Proof of my addresses ( signed leases ) during this case were sent to the law firm as well identifications proving my legal name. I filed a police report on XX/XX/XXXX. 

I did not open this account nor can or should I be responsible for this debt.
Product: Student loan

I am in need of a a full declining balance payment history for my active loans. 
I have, over the course of 11 months now, been alternatingly told that it isn't possible and that is IS possible and will be in the mail in 30 days. I have never received this information. 

I have been told by other folks in the industry that " a full declining balance payment history '' is exactly verbatim what I should ask for, and that it does exist. This would be the full history since the loan ( s ) were disbursed.
Product: Credit card or prepaid card

I purchased several prepaid Mastercards and I am unable to log into the website and verify the balances on the cards. Also, I am unable to register the cards. A vender tried running the cards and ALL were declined. Calls this date to customer services to notify them of the website issues were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I approached XXXX XXXX with questions about acquiring a loan. I was simply curious and he asked to fill out the application. I marked " no '' on the credit application and he ran my credit report anyways. I need this credit inquiry removed as it is unauthorized and I have proof its not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone attempted to get credit with my information
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  Balance Owed : {$560.00} XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX consumer report : The items to be deleted are listed further below. 

Dispute 1 : Inquiry Type : XXXX  XXXX XXXX XXXX XXXX  : Noticed a hard inquiry on my credit report that I did not recognize. 

Dates : XXXX According to, 15 U.S. Code 1681c2 - Block of information resulting from identity theft.. 

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been a few days since this hard inquiry appeared under my report and I believe this should be removed since reporting incorrect information on my credit report would be in violation of this law since this would count me as a victim of identity theft. I am simply requesting this information be removed. 

This account may not be furnished onto my consumer report since this account is in violation.

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any consumer reporting agency written consent to release and/or report information without my knowledge on my consumer report. This violates my rights as a federally protected consumer. No consent is identity theft. I would simply cordially ask for the removal of this inquiry. 

Thank you.
Product: Debt collection

Subject : Dispute Regarding LVNV/CARE OF RESERGENT CAPITAL SERVICES Debt Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> CARE OF RESURGENT CAPITAL SERVICES L.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number XXXX Dear LVNV Funding, I am writing to formally dispute the debt associated with the account number ending in [ XXXX ], which you have reported on my consumer credit report. After careful review, I have identified several inaccuracies and deficiencies in the information you provided. Please consider the following points : Lack of Last Payment Date : The information you furnished lacks clarity regarding the last payment date. As a consumer, I have the right to accurate and complete details about the debt, including payment history. Without this crucial information, I am unable to verify the accuracy of the debt. 

Inaccuracies in Reporting Dates : Upon reviewing my credit report, I noticed discrepancies in the reporting dates associated with this account. It is essential that all reporting accurately reflects the timeline of this debt. Please provide a comprehensive breakdown of the reporting history, including the initial delinquency date and subsequent updates. 

Violation of Consumer Rights : a. 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding has failed to provide validation information as required by this regulation. Without proper validation, placing a collection on my consumer report is unjust and misleading. b. 12 CFR 1006.34 ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. It is my right to challenge the accuracy of any debt reported against me. c. False, Misleading, and Deceptive Practices : I believe LVNV Fundings actions violate my consumer rights. The use of misleading information misrepresents the true nature of this debt. d. 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding must adhere to legal requirements when furnishing account information to consumer reporting agencies. Failure to provide necessary disclosures is a clear violation. 
Requested Actions : Validation Information : Please provide all relevant documentation validating this debt, including the original creditors details, a complete payment history, assignment records and proof indicating my authorization for this account. Also include the official purchase agreement between you and the original creditor. 
Correction of Reporting Dates : Ensure that the reporting dates accurately reflect the accounts history. 

Cease and Desist : Until proper validation is provided, I request that LVNV Funding cease all collection activities related to this account. 

Removal from Credit Report : If validation can not be provided, I request that LVNV Funding promptly remove this account from my credit report. 
I appreciate your attention to this matter and expect a timely response. Please send all correspondence to the address listed above. Remember that my rights as a consumer are protected by federal law, and I will take further action if necessary. 

Thank you for your cooperation in resolving this dispute promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian closed another complaint without addressing the issue and gives a incredibly XXXX response that once again has absolutely nothing to do with the problem which is Experian NOW hasstolen 18 months of on time never late payments to XXXX and refuse to give them back not to mention my account has double bank accounts of the same account and XXXX another accounts they say need to be connected I was told b there customer service rep in XXXX that I am not a paying member so they can help me well I became a paying member a they still refuse to help
Product: Vehicle loan or lease

I am a XXXX, so I often spend periods of up to 9 months out of the country while I am on a ship. While I was at sea, I wanted to fix my credit, so I paid everything outstanding off. When I got back to shore at the end of 9 months I went to buy a car. In XXXX I went to XXXX XXXX of XXXX Mississippi and bought a used 2013 XXXX XXXX. They said that although I had nothing negative, and a {$2000.00} down payment, I didn't have enough positive credit to finance a used car. I said there must be something they can do, so the car dealer called Credit Acceptance. First of all, I believe the loan amount is not what I agreed to pay. The car itself was around {$4000.00} on the lot, and the financed loan amount according to Credit Acceptance is more than {$13000.00}!!! OK, so I called and told Credit Acceptance about it, and they said it would get straightened out and in the mean time I should continue making payments. Every time I would call and let them know that I thought the financing amount was wrong. They accepted my payments, and accepted my payments. I even paid a bit extra trying to pay down the loan. This continued for several months until one month I went to go pay and they wouldn't accept my payment - they said they were no longer handling my loan anymore and provided no additional information!! They didn't contact me, they didn't tell me who I needed to start paying, they couldn't tell me my payoff amount or anything - they just said they were no longer handling my loan. Not only that, they said the amount I paid early they had made a check and sent that back to the dealer, XXXX at XXXX XXXX!! I called the dealer, and they said that Credit Acceptance had sent them a check for the difference in my payments! They didn't say how big the check was, or if the car was paid off. I emailed the dealer trying to get something - anything - in writing, and I got nowhere. I can see on my credit report I have a XXXX point drop, as I was trying to refinance at the time and was completely unaware that my loan was being sold. I am very upset at Credit Acceptance for selling my loan, sending the DEALER back my " overpayment '' and not notifying me AND doing nothing to straighten out the wrong loan amount. I would like to OWN the car but at this point I don't even know who to pay!! Although I once talked to XXXX on the phone, he said to email him, so I emailed him and he never responded - I have tried to call repeatedly and not gotten through to XXXX again. Another issue is I was charged a title transfer fee and I believe I was charged twice - once at the dealer and then again when the same amount was rolled into the financing. I am currently at sea, and can't even drive the vehicle and very annoyed that they sent my " overpaid '' money to someone and won't even tell me the amount or how close I am to paying off the loan. This situation is outrageous! Please help!!
Product: Checking or savings account

Bank of America provides very confusing information about account fee, which mislead common customers like me. One policy about account fee waive is {$250.00} salary deposit a month. I have bi-weekly pay and deposited {$250.00} a month, which is based on the information they provided and I followed that policy. But there was a charge {$12.00} account fee in my account this month. They explained the confusing and misleading policy, there are not any examples to explain in policy and thus customers are most likely to interpret and remember {$250.00} pay deposit in total a month to avoid the fee. I believe that the policy statement is very confusing and misleading to customers, which violates customer rights since it is so misleading and a lot of customers don't interpret like a financial professionals without an example, and thus I ask to get {$12.00} refund and hope they can correct this mistake by giving some examples in their policy statement. Obviously they benefit from the confusing and misleading information and common customers pay the loss.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX BANK XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX : {$8600.00} ; XXXX XXXX ( Original Creditor : XXXX T XXXX  ) XXXX Balance : {$160.00}
Product: Credit card or prepaid card

I was an Iphone user, around a month ago I purchased a new phone and switched to android. I downloaded the cashapp app on my phone and opened a new account, cashapp app asked me to choose a nametag and everything, for some reason and I don't know how that phone number got in there, but an reallyold phone number of mine was introduced in the process of creating the cashapp account, cashapp app never asked me to introduce any phone number ( so not my fault ), around a week ago I had to factory reset my cellphone, then I downloaded the cashapp app again, but this time is giving me a different account with XXXX balance, when I tried looking into this I find out the old phone number is there, my cashapp account has a balance of $ XXXX dollars. When I call cashapp the agents tell me that they are unable to help me because the system is not letting them and just hang up on me. We are talking about {$1000.00}, I sent money back and forth between XXXX cashapp accounts, XXXX of the is the XXXX in question, accounts are under my name, my SS # is linked to account, I offered to send proof of identity, I'm willing to provide anything, in person if I have to. They basically put a hold on my check, I already changed the account so my check will no longer go into this account. Please I need help recovering my funds. 

Thank you
Product: Credit card or prepaid card

Originally I filed a related complaint ( XXXX ) with the Consumer Financial Protection Bureau in XXXX XX/XX/XXXX regarding Capital One 's failure to provide a statement of charges that were made by me ending in approximately XX/XX/XXXX. On XX/XX/XXXX, I received in the mail the requested statement, number XXXX, ( the Statement ) from Capital One due to the aforementioned complaint. The Statement received in XX/XX/XXXX showed accumulated fees and interest of {$1200.00}. I subsequently advised Capital One, after paying off the Statement balance of {$15000.00} on XX/XX/XXXX, I would not pay the accumulated interest of fees ( {$1200.00} ) because they were entirely and solely due to their inaction and wrong doing. On XX/XX/XXXX I received a statement from Capital One in the amount of {$1500.00} for accumulated interest and fees related to the Statement. 

At no time from XX/XX/XXXX to XX/XX/XXXX did Capital at my request provide me with a statement of charges. Prior to XX/XX/XXXX I had paid my statements off in full every month. Capital One restricted, aka closed, the above account on XX/XX/XXXX because they relied on false internal information that I was XXXX - without first obtaining confirmation, i.e., a XXXX  certificate. In XX/XX/XXXX upon learning of the above I requested all Capital One cards of mine be closed immediately. 

Accordingly, the demand by Capital One that I now pay interest or fees regarding this matter is not warranted and a total failure on their part to assume responsibility for inaction and wrong doing. I am requesting CFPB to hold Capital One accountable by removing any personal obligation on my part for the interest and fees now being charged.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I complain that a XXXX name is used in place of XXXX XXXX to display profile to lenders. XXXX name will not allow customer contact with lenders to receive financial services of internal revenue service from registered given name.
Product: Student loan

I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Company 's Response ear Mr. XXXX : We received your complaint from the Consumer Financial Protection Bureau ( CFPB ) regarding account XXXX. Further review of the account confirms it is " paid in full by claim. '' The account has been marked closed and flagged for no further communication. We would like to thank you in advance for your understanding and ask that you feel free to contact us if you have any questions. Our offices can be reached at XXXX ; Monday-Friday from XXXX XXXX XXXX ( PST ) and Saturdays from XXXX XXXX XXXX ( PST ). Sincerely, Customer Service Activate Financial , LLC. 

My complain is PEAKS Loan is still asking me to repay this loan even after this loan have been paid in full looking at the response above. My credit score is been impacted by this loan. PEAKS have been avoiding my calls after trying on multiple occasions to fix this problem.
Product: Mortgage

On XX/XX/XXXX, I sent to XXXX " dba '' XXXX, XXXX, California, 4 QWRs & Notice of Default for failure to respond & return 4 sets of EFT Debt Discharging Instruments sent to XXXX, totaling over {>= $1,000,000} from me without any response/DEFAULTED. I forwarded complaint to CFPB. I have sent a Fiduciary Request Reconveyance under Evidence # XXXX to XXXX, XXXX dated XX/XX/XXXX CM # XXXX with no response/DEFAULTED. I sent Exhibit # XXXX Fiduciary Request Reconveyance to XXXX, XXXX XX/XX/XXXX CM # XXXX. It was sent to XXXX, XXXX, Iowa with no response/DEFAULT. I QWR'ed XXXX without response/DEFAULTED and XXXX switched to XXXX of XXXX, XXXX, Colorado XXXX without answering the QWRs/DEFAULTED. I QWR'ed XXXX with Exhibit XXXX, Notice of Validation of Debt dated XX/XX/XXXX CM # XXXX and XXXX switch to XXXX XXXX dba '' the XXXX " dba '' Nationstar Mortgage , LLC, ( XXXX ), XXXX, Virginia without answering the QWR/DEFAULTED. On XX/XX/XXXX, I sent a QWR, to ( XXXX ) Evidence # XXXX with CM # XXXX with no response/DEFAULTED. On XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) CM # XXXX to XXXX and XXXX " dba '' Nationstar Mortgage , LLC with no response/DEFAULTED. I have subsequently submitted XX/XX/XXXX, Affidavit Of Notice, Bill of Particulars - Demand & Discovery & Disclosure Evidence # XXXX CM # XXXX to ( XXXX ) Nationstar Mortgage LLC with no response/DEFAULTED. On XX/XX/XXXX, I sent an Affidavit of Fact, Notice of Default Judgment for Failure to Respond According to the Rule of Discovery, Tacit Agreement Evidence # XXXX CM # XXXX to ( XXXX ) " dba '' Nationstar Mortgage , LLC with no response. On XX/XX/XXXX I sent Affidavit of Fact, FAILURE TO RESPOND TO QUALIFIED WRITTEN REQUEST ( QWR ) CM # XXXX to XX/XX/XXXX " dba '' Nationstar Mortgage , LLC & XXXX " dba '' XXXX, XXXX, Texas XXXX Evidence # XXXX with no response/DEFAULTED. On XX/XX/XXXX. I sent an Affidavit of Fact, Notice of Judgment for Failure to Respond According to the Rules of Discovery to XXXX Nationstar Evidence # XXXX same CM # as XXXX. I sent an Affidavit of Fact, QWR, Demand & Discovery to XXXX of XXXX dated XX/XX/XXXX, Evidence # XXXX CM # XXXX with no response/DEFAULTED. On XX/XX/XXXX, I sent an Affidavit of Fact, QWR, Bill of Particulars Evidences # XXXX, XXXX to XXXX " dba '' Nationstar MortgageCM # XXXX with no response/DEFAULTED. On XX/XX/XXXX I sent an Affidavit of Fact, QWR to XXXX " dba '' XXXX & XXXX " dba '' Nationstar Mortgage , LLC Evidence # XXXX CM # XXXX & XXXX with no response/DEFAULTED. On XX/XX/XXXX I sent Evidence # XXXX, Bill of Particulars, QWR, Demand for Discovery & Disclosure to XXXX, " dba '' Circuit Court for XXXX XXXX Maryland, XXXX, XXXX, Maryland XXXX with no response/DEFAULT. I have sent Notice of Default Judgment on XX/XX/XXXX to XXXX & XXXX of the Circuit Court for XXXX XXXX Maryland CM # XXXX & XXXX at great cost to me. I ca n't prepare a defense without responses to QWR 's, Discovery & Disclosures because I do n't have any proof of validity of debt and/or identification of the claimants involved. I do not have proof of a mortgage with the claimants.
Product: Checking or savings account

Im not entirely sure how far it goes back but USAA has been charging me overdraft fees because theyre constantly taking the money out of my account when the funds are not in there ( insufficient funds ). Knowing this, they still take the money out causing my account to be overdraft ( because of them ) then charging me overdraft fees causing it to be even more overdraft.