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

Im fairly new to credit discipline while obtaining and weighing options. This event was less than 24hrs ago. Date being XXXX I was entertained as to this being a soft pull not to actually apply but to my knowledge it was immediately a hard pull upon a click. I applied for an auto loan with XXXX, believing i was eligible for pre-approval based on their promotional communication. XXXX email implied i could explore loan options and adjust terms without a significant impact on my credit report. However, my application was denied, and a har inquiry was placed on my credit report. I later received an email from XXXX suggesting that I could apply for a lower loan amount, but as the hard inquiry for my initial application has already impacted my credit score, outweighing the importance of the proposed option. I feel misled about the process, as I did not intend to proceed in a manner that would lead to a hard inquiry without clearer terms. I am seeking the CFPB 's assistance in addressing this matter, ensuring fair practices and removing this unnecessary hard inquiry from my credit report.

My second complaint was
Flagship Credit Acceptance I have filed every way i could with the credit bureaus online etc etc. This information seems to hunt me and even on a closed paidoff account they are still reporting late payments and its been charged off and paid in full since 2019. Ive sent in the Title to show that I have access to evidence of an account being paid in Full. This account is negatively affecting account and credit score it was recently updated with an online dispute trying to correct it and imediately 64 late payments and thats insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Equifax had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off 9-5 sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. Equifax, XXXX and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the XXXX XXXX General Manger At a XXXX  In the XXXX XXXX got Furlough though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others Ally, Capital XXXX, XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND EQUIFAX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.
Product: Mortgage

My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home.
Product: Credit reporting or other personal consumer reports

I requested the removal of these inaccurate accounts from my credit report that keeps showing up. Please kindly check the documents that I've sent which contains everything.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes to Transunion which they refuse to resolve. They require the consumer to do the work of obtaining a letter from creditors who pulled credit without authorization and do not attempt to resolve those issues on behalf of the consumer. This is my 12th attempt to get the same inquiries off of my credit report.
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I utilize Chime to move money around since it's easy to do. I deal with a lot of merchants due to my line of business/work. Some of these merchants have started making fraudulent transactions by keeping my card number on file. Although, Chime sometimes sends out notifications regarding suspected fraud sometimes the merchant still access the funds. Lately, Chime has been doing whatever they feel like with my account, such as paying merchants that should not be paid. Some of my disputes are from XX/XX/year>, I can't send them an email because I receive an error message, I call and speak with a representative on the phone and he/she verbally agrees with me on the recorded phone line then does the complete opposite of what was discussed. The documents that were sent to me regarding one of the disputes is something I or anyone else could have printed from the computer.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME XXXX M & M CREDIT  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
Product: Debt collection

SMITH ROUCHN Has reported that I have an outstanding account with them, but this information is not accurate!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed had i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should. this is negatively impacting me and my family trying to purchase a home and is unacceptable. ( see SS below for months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) also, this company has changed its reporting back date multiple times causing a lot of people to miss payment
Product: Credit card or prepaid card

Approximately in XX/XX/XXXX, Discover Card demanded that I send two years of my federal income tax returns to XXXX in order to prove who I was. This was for the Discover Card that I had since XXXX with an initial credit limit of {$8000.00} ( my credit limit was reduced in XXXX after I made substantial payments to Discover and other companies, without late payments ). I was trying to improve my credit rating. This is one problem.Going back to Discover demanding my tax returns in order to know who I was, I refused to comply with that request and discussed my concerns several times with Discover representatives who only replied, " This is our policy ''. I responded, " Discover knows who I am. I have had this account since XXXX and the other since XXXX. Additionally, in XXXX of XXXX, I stated, " Since Discover doesn't know who I am and I can not use the card, send me the {$4700.00} payment back that I just made so that I can continue to pay other cards off that allow me to use my card/s. they refunded me {$4600.00} via an electronic transfer after satisfying the current bill. I called discover back and asked, " How do you credit a {$4700.00} payment to me and return {$4600.00} back to me if you do not know who I am? ". After calling Discover 's Consumer Complaint # about one of my accounts being closed for no reason, they closed the opened account without any notification and stated about the first account closed that they would report that to the credit reporting agencies. As of today, I have not receive any notification that the second account would be closed. I found out when i tried to order a birthday card for my cousin. Closing my account may cause my score to drop. I paid my bills on time and i should not have closed accounts because i do not want to send my tax returns to Discover by way of a third party, especially for accounts that I have had for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX  and Experian are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX
Product: Student loan

On XX/XX/2016 I paid my monthly bill to Wells Fargo. I sent the payment in on the day it was due, but because it took Wells Fargo time to process it, my payment didn't go through on time and my loan went into default. Back when I was paying my Loan through Wells Fargo, I tried to work with them because I was in a bad financial spot, my dad just losing his job, not having a job myself, and struggling to make ends meet. I had to drop out of school because I couldn't get loan for my second year ( Wells Fargo denied my application even after having two cosigners and a loan history with them ), which is how I got into this situation in the first place. I did the very best I could to make these payments, but Wells Fargo would not budge on the minimum payments. After trying to figure out if there was any way to take my loan out of default, I found that there is no other way to without having to pay off a huge balance. I started making payments, but with the late payments reflected on my credit score it is impeding my progress to get out of my current financial burden.
Product: Credit reporting or other personal consumer reports

I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with derogtory status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and XXXX on XXXX AND EQUIFAX. 

XXXX XXXX Equifax XXXX XXXX Equifax Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX  Paid XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : 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 XXXXXX/XX/XXXX
Product: Debt collection

Previous complaint number XXXX. Filed XXXX XXXX, XXXX. The company has responded to the complaint the following : In response to your complaint, Portfolio Recovery XXXX, LLC ( XXXX XXXX investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. XXXX purchased the XXXX  XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' ) XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$560.00} was due on the account at the time of XXXX XXXX purchase. XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. XXXX has received and responded to several disputes. In response to XXXX of your disputes, XXXX previously sent you the attached letter containing validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

This account is not mine I asked for verification and validation letter and copy of contract that i authorized this account and was never sent this letter of validation
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and noticed hard inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above companies are accounts that were opened up under my social security file without my consent. 

The following inquiries were also opened up under my credit file fraudulently : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.
Product: Credit card or prepaid card

XX/XX/XXXX I ordered a {$3900.00} product from XXXX. product was promised to be delivered by end of XX/XX/XXXX. It never showed up, so I worked with them for over a month to get a delivery date. They kept giving me the run around so finally I cancelled and was promised a refund by the company. They never refunded me and eventually stopped responding to my messages or answering calls. I disputed charge with visa in XX/XX/XXXX. They gave me a conditional credit while trying to resolve with XXXX XXXX. XX/XX/XXXX they reversed the credit and closed the dispute as unresolved bc they didn't get the proper documentation. Immediately I re opened the dispute, provided documentation that XXXX XXXX  order was cancelled and I was promised a refund by them but as of XX/XX/XXXX the credit card company still refuses to give me my money back and closed the dispute again. ALL INFORMATION ON THE XXXX INDICATE THE COMPANY DID THIS TO ALOT OF PEOPLE AND CLOSED THEIR DOORS.
Product: Debt collection

Charter Communications has been attempting to collect money from me for over a year. Charter Communications called me repeatedly asking me to make a payment after I terminated my service. I asked them to mail me a bill so that I could ensure the amount they were requesting was correct. They refused to send me a bill, saying they wanted payment over the phone. I told them that I do not give my personal information to people who call me over the phone and also did not believe I owed them as much money as they were stating. I again requested that they send a bill. They refused. I then asked if I could view a statement online, but they stated that I could not, because my service had been terminated. Eventually, I looked up an address for Charter Communications ' billing department online. I received 8 days of Charter Communications service in XXXX, XXXX. I calculated that I owed Charter Communications {$18.00} to pay for those 8 days of service. I wrote a check for {$18.00} and sent it to them on XX/XX/XXXX with ACCORD AND SATISFACTION clearly written on the front and back of the check, indicating that cashing the check satisfied any debt they believed I owed them. Charter Communications cashed that check on XX/XX/XXXX, thereby discharging any financial obligations I had to the company.

Shortly after Charter Communications cashed my check, they started having a debt collection agency called XXXX XXXX XXXX XXXX XXXX contact me trying to collect on the same debt that had already been discharged by my payment. I sent them a letter and collection efforts ceased. I thought that the situation was resolved until I received a call while I was at work on XX/XX/XXXX from CBE Group. I had never heard of these people and asked who they were and what they were calling about. CBE asked me for my social security number. I refused to give it to them. The representative from CBE group then told me, " You are one of our clients. '' To which I responded, I am NOT one of your clients. I have no idea who you are and I definitely didn't hire you. The caller continued to try to get confidential information such as my social security number and date of birth and refused to tell me what they were calling about. The following day, I received a debt collection letter in the mail from CBE group, again trying to collect on the XXXX XXXX bill from XX/XX/XXXX. So CBE lied to me when they said that I was their client. They were trying to collect money from me for Charter Communications, which would certainly not make me their client. 

Charter Communications is engaging in predatory behavior trying to extract money that is NOT owed to them through harassment. If they did not want to accept the check I sent them as satisfaction of the alleged debt, they should not have cashed it. I do not owe XXXX XXXX any money and am tired of the continuous harassment by them and their debt collection agencies.
Product: Mortgage

Why is it that we have to pay for PMI, and ask for forbearance? 
If we pay PMI and are effected by COVID school closures and job losses go on forbearance, I feel that PMI should pay mortgage payments for those affected after or before forbearance, or refund mortgage payments? 
Is humiliating having to explain why you have it, and now that we need it Booyaw, stick it to the poor man
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went after my old bank account without permission to collect a debt that was written off from Discover. Whether the debt is owed or not. You do not have the rights to go after my bank account. Im not really trying to hear anything about my bank being garnished, especially when I didnt receive anything in the mail about this. If this company really exists I shouldnt be obligated to pay more than half of the entire debt. Every time I call them to speak to someone Im left on hold
Product: Debt collection

I paid the debt over the phone with my credit card and these crooks still reported it as unpaid to the credit company!!!