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

Enclosed, please find supporting documents regarding my formal complaint against XXXX XXXX XXXX regarding an issue I encountered while attempting to address an unauthorized inquiry on my consumer report. The matter in question pertains to a Notice of Dispute that I attempted to send to XXXX XXXX XXXX but was returned to me due to an invalid forwarding address listed as contact information on my report. 

On XX/XX/2024, upon reviewing my consumer report, I discovered an unauthorized inquiry made by XXXX XXXX XXXX. Concerned about the implications of this inquiry, I promptly decided to file a Notice of Dispute as per my rights under the Fair Credit Reporting Act ( FCRA ). However, my attempt to reach XXXX XXXX XXXX through the provided contact information were futile as the correspondence was returned to me citing an invalid address. Enclosed are the following supporting documents : 1. Listing of unauthorized inquiry on my consum
er report.

2. Notice of Dispute 3. Proof of undeliverable correspondence indicating the invalid address provided by XXXX XXXX XXXX. 

These documents serve as evidence of the challenges I faced while attempting to address this matter with XXXX XXXX XXXX. It is alarming to realize that the contact information listed on my consumer report, purportedly belonging to a reputable financial institution like XXXX XXXX XXXX, is outdated or invalid. Such oversight not only obstructs consumers ' ability to address issues promptly but also raises questions about the reliability and accuracy of the information provided by credit reporting agencies. 

Moreover, the unauthorized inquiry made by XXXX XXXX XXXX adds further distress to this situation. As a consumer, I expect transparency and accountability from financial institutions regarding any inquiries made on my credit report. XXXX XXXX XXXX ' failure to provide a valid contact address impedes my ability to address this matter efficiently and protect my rights as a consumer. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that XXXX XXXX XXXX updates their contact information promptly to facilitate communication with consumers. Additionally, I request that measures be taken to address the unauthorized inquiry on my consumer report and prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take necessary steps to uphold consumer rights and hold financial institutions accountable for their actions.
Product: Debt collection

The " law '' office called my job and my mom and me, and said that I was being sued for debt. I have never taken a loan out with this company. I told her that and she hung up on me. My HR manager at my job has gotten numerous calls from these people.
Product: Mortgage

I closed on a HELO C   on  X/XX/17  with a  bank representative,  XXXX   XXXX  at US Bank. At the time of closing it was disclosed that there was a {$500.00} early closure fee, and this came as a huge surprise to us. This fee was never properly explained to us, even after having explained to the inbound sales representative,  XXXX   XXXX , many times that we would be selling our home in about a year. I have escalated the issue and have spoken at length about the situation with  XXXX   XXXX  and  XXXX   XXXX . They informed me tod ay,  X/XX/17 , that th ey are unwilling to waive the early closure fee of {$500.00}. I feel that this is a huge injustice to me as the consumer as it was not fully and clearly explained. They claim it was disclosed, but i have no proof of that, and they are unwilling to provide that proof. If it was explained properly, you would think that they would have made sure that I understood the terms since it was stated multiple times that we would be selling our home within the year, triggering the early closure fee. I was told tha t the District manager,   XXXX   XXXX  was unwilling to waive this fee and it was his decision. I truly feel that we were mistreated and duped into buying a product that incurred unnecessary costs. I feel that this should be waived and there should be action taken against US Bank in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX hard inquire with Equifax XX/XX/XXXX, do not have any knowledge of this or previous hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 0r XX/XX/XXXX. Note : I checked other such complaints with XXXX XXXX  and it seems to be an on going issue, but only to the people affected.
Product: Credit card or prepaid card

XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. 

It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. 

They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!
Product: Credit card or prepaid card

I made 2 purchases during the month of XXXX on my Amazon credit card ( Synchrony ) at check out I selected 6 months special financing, specifically NOT 6 months equal payments. When I received my statement it shows those 2 purchases as Equal Pay 0 % APR - 6 months. This isn't the first time Synchrony has miss-applied promotional purchases to my account. In the past, when I contacted them, they were able to correct the system to reflect the correct promotion. This time, I was informed by Account Manager rep XXXX XXXX that their system miss-coded the promotion, but they can not correct it. This miss-coding has direct impact to my payments as it will require larger payments to be applied to the newest purchases first, and not apply my full payments to the previous deferred interest promotions I have on the account. The incorrect equal pay promotions need to be changed to deferred interest with payment as I selected at checkout.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May  Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XXXX XXXX XXXXXXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

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

FromXX/XX/XXXX To XX/XX/XXXX I wasXX/XX/XXXX in XXXX XXXX XXXX California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my Kohls credit card. I did n't make my first purchase untilXX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX
Product: Mortgage

Well in XXXX I purchased a loan from Homcomings Bank all was well never had one issue. Then in XXXX my loan was sold with out my knowledge to Gmac and thats where all the problems began. Payments were n't either applied to my account or were applied only to my escrow etc. I would call and complain and they would see they would handle it. Then these extra charges began to show up on my account and I would call and exspect the problem to be resolved but it never would. Then in XXXX my account once again was sold to a nonbank mortage company OCWEN. And the problems have just gotten worse number one every single time you call there is a person who doesnt speak XXXX and has no idea to what the heck is going on. So then we began talking by email. Then they requested we sent them are orginal documents. Number one should they already have all that? " Correct '' After that about month letter they sent us documents with there logo and some print out of the account payments from begining to end. How still owe XXXX on a {$15000.00} loan. XXXX Here the funny thing in XXXX my account was paid down to XXXX and all I have paid in XXXX is XXXX when I have made {$260.00} to {$300.00} a month payments. The documents they have sent saying I had a ballon account from the get go. The documents they sent do not match my documents. Its almost like they have cut my signuture out Pasted it to there papers. And trust me that can very easy be done. I saw other complaints against this company and they are all basically the same as i am Experiencing now. Someone needs to do something this is just crazy ... ... .PLEASE DO SOMETHING as well they have returned all my payments from XXXX on of this year and they took payment in XXXX, XXXX and then in XXXX they returned all the payments in XXXX weeks of cashing them. And been sending forclosing letters etc. What in the heck is wrong with these people?
Product: Credit reporting or other personal consumer reports

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX ) account status as collections/ charge off ; however, according to the TransUnion online monitoring services, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account XXXX from the consumer report.
Product: Mortgage

I got a forbearance on my mortgage because of problems during the covid-19 problem. I'm a XXXX XXXX XXXX veteran and they have me paying not quite my whole mortgage while they are supposed to work out a new plan for me to catch up on my mortgage and become current. Since then they have reported all the missed payments to the credit bureau and now my credit really sucks. They are not suppose to do this and since it's a VA backed loan, I think that the people in this mortgage company should go to JAIL. The company is Midland Mortgage and my paperwork just was transfered to them from another servicer. This isn't the way this program was suppose to work and now they are making me look like a complete idiot. Time to fix this now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 and XX/XX/22 both for lowes credit i did not apply for credit there lowes said nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my Experian credit report that does not belong to me. This has been removed by XXXX  and Experian will not allow me to dispute this.
Product: Debt collection

Good Afternoon, I'm writing this email because I want to file a complaint with Santander Consumer USA. I financed a car through XXXX around XXXX can't remember the exact year and the lender was Santander Consumers USA . Around XXXX I was let go from my job, I lost my apartment and had to have my repo since unemployment was not enough for me to keep these things. My understanding that after 7 years a negative inquiry should be removed from someone's credit report. This is not my case this customer still has this on my credit report since then and it's been more then 10 years. I've tried disputing it with sending letters to all credit bureaus and nothing. I just checked XXXX and it's showing that it won't be removed until 2027 that's 17 years on my credit report how could that be. They just keep updating the date opened. I have not had this car since like XXXX. I don't know if you are the right people to send this email to but it was on the XXXX website. Hope someone can assistance me with or direct me to the correct person or company as I don't think something like this should be on someone's credit report for more than 10 years. 

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

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX XXXX  and Account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and Transunion where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.
Product: Student loan

It would take more than this small box to be able to explain the scam and unethical stuff I have experience from XXXX XXXX. The list is long but the biggest XXXX was in XXXX when they contacted me because I was in deferment and it had ended and I was still unemployed, they solicited me to consolidate my loan. But only XXXX4 month later Laws changes and I was given the opportunity to pay off my loan from other lenders willing to offer a 3.9 % loan plus the chance to get away from this scammer that for 4 years where adding all king of fees late fees and so many others that it did n't matter what I paid my debt would grow faster than I was paying. So this would have got me done with them and not have to deal with these scumbags thieves. Well com to find out when the New lender ask me for my Social and look he told sorry looks like you consolidated about 3 months back and you are lock in we can help you. What the XXXX. The way I see it now they used there inside knowledge being part of the government back then and just like inside trading knew this was coming so they XXXX me by consolidated my loans. At no time did they ever mention that this was going to keep me in the debt prison and stuck for life with the worst servicer. And I know cause I delt with is since XXXX XXXX and they were cheating us by doing all kind of illegal stuff
Product: Vehicle loan or lease

I purchased a vehicle from healey in beacon on XX/XX/2023. It was a rushed deal. Was paying XXXX a month for the trade in which was good. I told them I wanted to pay that a month for the 2023 jeep renegade. So I signed the papers under the impression that that was what I was going to pay. Then after the fact they tell mebI would be paying XXXX a month. I WAS VERY UPSET. THATS A MORTAGE. I HAD NO CLUE THEY ROLLED OVER THE OTHER LOAN. HOW DO I qualify for a XXXX loan if my credit was not so hot. It's an illegal loan. Yes I wanted a new car but not at that cost. So I went back to them to see if they can refinance or put me in a used car instead to lower my payments. They refused. So now I am told my car is only worth XXXX. I want lower payments hard to cover my other bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Judgement was placed from XXXX XXXX loans for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX  XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on Transunion XX/XX/XXXX along with XXXX which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me XXXX times to the same place in a matter of days and transunion reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was added to my XXXX Credit Report as of XX/XX/XXXX in error : XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$75.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$75.00} Balance Updated XX/XX/XXXX The reality is : I paid {$150.00} on XX/XX/XXXX
Product: Student loan

i have tried to shut off autopay on my federal loans but with no success. i recently paid my loans in full but they still took my autopay of {$140.00}. now my loans are over paid but they have n't returned my {$140.00}. i would like my money back with interest. i feel like if i borrow their money and they charge me the ungodly interest that they charge me that if they borrow my money, which they have, i should be able to do the same to them.
Product: Credit card

In response to XXXX XXXX XXXX XXXX XXXX XXXX ' XX/XX/year> Statement to me through my small business, XXXX XXXX XXXX on Account ending ... XXXX, I paid the full amount of the charges due in the sum of {$1800.00} by check No. XXXX dated XX/XX/year>. 

Subsequently by a series letters Barclays ' denied that the {$1800.00} payment had been made and requested proof. 

In response, I sent them a copy of the front and back of cancelled Check No. XXXX as well as an enlarged copy of Barclays endorsement which appears on the back of the check. 

According to the endorsement the funds were electronically deposited XX/XX/year> in Barclays account # XXXX, XXXX : XXXX. I also provided a copy of XXXX XXXX XXXX XXXX XXXXXX/XX/year> bank statement which showed that the {$1800.00} check had cleared XXXX XXXX XXXX ' bank account on XX/XX/year>.