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

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) XXXX. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Product: Debt collection

On XX/XX/XXXX I received an email from Spire recovery solutions stating that I owed a debt of XXXX. I called the company to inquire about this debt. They stated that the original debtor was XXXX XXXX. I called the debtor to inquire about this so called debt I supposedly owe and spoke with agent from company who stated that they had no record of me ever taking out a loan with company. I then call Spire recovery solutions and relayed my findings to them, and she provided me with an account number XXXX. I then called XXXX XXXX  again and asked them to look up the account number provided. They, again had no such record of that account number in their system. I again called Spire recovery solutions to convey the findings to them. I was told by agent they would call me back. I never heard from them but I got a letter in the mail stating I owe this debt. I know for a fact that this debt is not mines. As a matter of fact I applied for a loan with XXXX XXXX on XX/XX/XXXX and was approved for a loan. If I had an outstanding debt with them they wouldnt have approved me for a loan, also the debt is not on my credit report. I dont even know what the people from Spire are talking about regarding this debt. I did not take out a loan with these people on XX/XX/XXXX. I would have remembered if I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I received a refinance offer from Chase ( my current mortgage company ). It stated they would lower my interest from 4.75 to 3.75 and my APR would be 4.22. I called Chase and worked with XXXX XXXX. She was really nice and assuring and when I provided the offer number on the letter to her, he confirmed the rates and asked me if I wanted a 15 year or a 30 year refinance. I told her 30, because I 'd like a lower monthly payment. She pulled my credit and said my scores were great ; XXXX 's. I filled out all sorts of paper and sent her everything she required of me. Several weeks later I get a call from her telling me that the underwriter is requiring her to contact me and make a counter offer of a 20 year refinance. I 'm like .... I have 21.5 years to go on a 30 year loan. I want a longer loan, not a shorter one, so I can have a lower payment. She apologized and told me that this was the first time she 'd been required to do this and she would let the underwriter know that I wanted the 30 year refi. I get a call a day or so later from XXXX, telling me that I was n't approved for the 30 year, they could only do the 20 year. I told her the letter did not offer me a 20 year loan. It offered a 30 year. I never asked for a 20 year. She did n't seem to know why I was being denied and said well maybe it 's because your APR will be 4.55, and since it 's not dropping at least half a point, the underwriter decided not to approve. I said where did this 4.55 come from? You told me 3.75 interest and 4.22 APR. Would it be approved if you put down the APR that you told me it was going to be? She really did n't seem to know how to answer me. I told her I feel like I was tricked. Like they had tried to pull a bait and switch on me and I sent a message to their XXXX page advising them of what I had been put through. I was contacted by a nice lady name XXXX who seemed to know even less than XXXX, and she was n't able to help me either, nor give me any explanation as to what happened with my original loan offer. All I wanted was to refinance my loan and lower my monthly payment. All I got was a big waste of time and a lower credit score.
Product: Debt collection

I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. 
I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. 
They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. 
They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a complaint on XXXX and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written XXXX with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because XXXX and Equifax still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean XXXX really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. XXXX XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I pulled an Experian credit report on XXXX18 and I noticed a name that does not belong on my report. Can you please remove : XXXX XXXX XXXX. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my XXXX credit report and XXXX is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX stating this loan has never been defaulted
Product: Credit card or prepaid card

I reported a fraud incident with my credit card company ( Costco Visa Citi ) due to a transaction that occurred on XX/XX/2020. My credit card was cancelled and an issue was credited to my account. I reported incidents I believe in XXXX as well for multiple transactions that were approved to my account for a total of {$2700.00} ( detail below ). I also reported at that time some payments that were made to may account with a checking/savings account that was added to my online account that I did not recognize. These charges were reversed on the account but there was no security investigation as of how my account was accessed and a checking/savings account was added to my account. They simply reversed the charges on my account and also sent me on XX/XX/XXXX a determination that the charges to my account stand because the card 's XXXX chip was used at a chip enabled card reader. Also, my account credit limit is of {$1200.00} and they continue to approve transactions to my account even if it was over the limit. How can that be? If i am short for {$30.00} on my account and try to buy at a store I am sure I would not get approved. I have had other credit cards that spot illegal transaction like these and quickly contact the customer to confirm. Transaction over transaction were made to my account with no security on their side. There are too many strange things happening on my account to simply accept this determination. They can view my history on this account and my purchases never even passed I believe {$500.00}. I was very careful with my credit to have it ruined by this. I am sure there is a reason as to why XXXX adopted pin with the chip enabled cards and not just signature. The truth is that technology is an asset but it can be tricked. Below all the transactions made to my acccount.Notice that the first transaction was credited. 

XX/XX/2020 XXXX # XXXX XXXX, PR $ XXXX Credited XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$250.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$400.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$210.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 submitted multiple request to Transunion regarding inquiries where companies did not have a permissible purpose per the fair credit reporting act. I I did not authorize these inquiries. My most recent request was send XXXX XXXX.
Product: Credit card

I received a notice from PayPal/Synchrony Bank stating they were closing my account credit account through PayPal due to " the number of dishonored payments on this account ''. I had a payment that got returned in XX/XX/XXXX due to the wrong account was selected for payment and then in XX/XX/XXXX because the bank returned the charge for my credit card payment for account PayPal/Synchrony Bank . Both times I made another payment to correct those 2 issues before it was reported as a late payment or another payment was due. I reached out to them in XXXX, and I reached out again in XXXX to change my due date because I got a new job that only pays me once a month. I requested to get the date changed PayPal/Synchrony Bank they claimed that I had already changed my date due this year which wasnt true through PayPal. It wasnt true I never requested a date change I've had the same due date since XXXX. Ive been trying to get them to change the dates for months to avoid missing payment or returned check. When I got this account in XXXX I never was informed of this clause that the bank could close my account for 2 returned payments after being a customer with no other payment issues during the years of being a customer. As well work an something to that I could make payments with no issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquired on XX/XX/2022. 
The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Debt collection

A credit is showing an incorrect original date for this debt. It has been sold and resold so many times that this company has had it twice It has always been under dispute with the original company pending receipt of an original bill to prove charges were all mine The first debt collection was dated XX/XX/2015.
Product: Vehicle loan or lease

On or about XX/XX/2020 I applied to have my existing auto loan taken over by XXXX XXXX XXXX XXXX. XXXX advised me they'd be willing to refinance at a lower rate than the current lienholder-American Credit Acceptance-but required that I obtain a twenty ( 20 ) day payoff balance from A.C.A. I attempted to login to my A.C.A. account and was denied access. phone calls went unreturned. On XX/XX/2020 I sent a written request via XXXX 2nd day air ( tracking # XXXX ) that was received by XXXX at XXXX XXXX. on XX/XX/2020. The address sent to : American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, SC XXXX is listed on their webpage as the facility dealing with titles. I advised them they had until XX/XX/2020 to respond. they haven't responded and XXXX closed my file with an 'adverse action ' report. It's my contention that American Credit Acceptance does not have clear title to the vehicle they've been collecting on and are in fact attempting to defraud me. I've never missed a payment-and chose to keep the vehicle while going through a chapter XXXX bankruptcy ( discharged XX/XX/2020 ). I'm a XXXX senior caring for my spouse who's in XXXX XXXX. If A.C.A. refuses to respond I'll block their payment access. My account # XXXX XXXX XXXX Recurring plan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is not accurate and a collection is reporting open. This is grounds for removal and violated my rights. 

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

15 USC 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish an account without written permission. 

Regarding Accounts : XXXX XXXX XXXX  ( {$420.00} ), ( {$1200.00} ) XXXX XXXXXXXX XXXX  ( {$730.00} )
Product: Student loan

I have had issues with XXXX XXXX for the past 3 -4 years. In XX/XX/XXXX when I started my payments I asked about the amount that was due was not the same as the amount borrowed. I borrowed funds for 5 of the 6 semesters that I attended XXXX University for their XXXX   program.  I contacted XXXX XXXX about t he issues and they stated that it as nothing they could do. In XX/XX/XXXX I called and submitted for my loans to be deferred due to not working, The representative stated that I might get a letter stating that I would have a payment, but I would not need to make the payment due to me requesting for the deferment. However a few month later the XXXX XXXX stated that they had no record of me calling and requesting for the deferment and my payments had tripped to almost $1,000 a month. Again I submitted information and requested for the income driven repayment plan and my payment was changed to an affordable amount. In XX/XX/XXXXXXXX XXXX   did not notify me of my re-certify date and they again changed the amount due. Due to me not receiving notice of the change of the amount due I kept paying usual amount. However XXXX XXXX reported that I made no payments. In XX/XX/XXXX I received an e-mail stating that I needed to re-certify for my income driven repayment. There was no date listed as to went I needed to complete this re-certification so I attempted to call XXXX XXXX to clarify why my loan amount due had increased before completing my application, however I was not able to get through on the phone.. In XX/XX/XXXX I completed my re-certification and received an e-mail from XXXX XXXX   stating that my application was being processed. On XX/XX/XXXX I received an e-mail from XXXX XXXX where they again lied and said that I did not complete my re-certification. When I call XXXX XXXX it says that "due to high call volumes" I need to call back later and then the phone hangs up. XXXX XXXX is a dishonest company and they are simply being fraudulent in attempts to make people pay late fees and additional payments.
Product: Student loan

I'm trying to change my student loan repayment plan before it expires and my monthly payment amount goes to {$500.00} but for some reason the only way to exit an XXXX plan is to contact them and there is no option to chat only call or email. I can't get on the phone with them and my plan expires in a few days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a dispute XXXX XXXX. XXXX regarding unlawful collection on my credit file. TransUnion completed their investigation on XX/XX/22 stating that their investigation confirmed the information was correct and my file did not change. This is the 2nd time i have disputed this with negative results. If TransUnion did in fact properly investigate the results would have been different. California Law authorizes treble damages for a bad check but must first follow strict requirements for damages as outlined in Civil Code 1719. The collection company did not follow the requirements and was not awarded damages by a court of law. Furthermore, Transunion has provided no information on how they were able to determine that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM CONCERNED ABOUT THE LACK OF ASSISTANCE I HAVE RECEIVED IN REMOVING THE CHARGED OFF ACCOUNT FOR XXXX XXXX XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING THIS NEGATIVE ACCOUNT, I AM INSULTED BY THE INCONSISTENCIES THAT HAVE BEEN PERFORMED BY THE AGENCIES. I NEVER RECEIVED A RESPONSE FROM ANY OF THE AGENCIES AND I AM VERY UPSET AT THE FACT THAT NOTHING HAS BEEN DONE ABOUT THIS MATTER. I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE. I HAVE GOALS I WANT AND HAVE TO ACHIEVE, THIS IS DISABLING MY CREDIT REPORT, AND SADDENING MY SCORES AS I TRY TO PURSUE PROGRESS. I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING.
Product: Debt collection

I am writing to formally dispute an incorrect charge on my account. On, I shouldve been charged {$210.00}, but I later noticed an attempt to charge me an even higher amount of {$280.00}. This charge is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions