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

Ive recently encountered an issue where multiple car dealerships pulled my credit report without my full consent or accurate documentation. These dealerships performed hard inquiries on my credit, which is impacting my XXXX XXXX. The issue arises because these inquiries were made inaccurately or without proper authorization, causing a negative ripple effect. This situation is now hindering my ability to proceed with important financial decisions, as the hard inquiries on my report are affecting my creditworthiness. Attached below are the following car dealerships in reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of inquiry XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/year> XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX of inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their recent action of freezing my account without providing any explanation or reason. Despite my numerous attempts to resolve the issue, Capital One has failed to cooperate and instead directed me to call yet another telephone number, further frustrating and inconveniencing me. 

On XX/XX/2023, Capital One abruptly froze my account, which currently holds a balance of {$9000.00}. To date, no communication or notice has been provided by Capital One regarding the subject matter, leaving me in a state of confusion and financial distress. As a diligent customer, I have always adhered to the terms and conditions imposed by Capital One and have never been involved in any fraudulent or suspicious activities. 

Immediately after discovering the account freeze, I contacted Capital One 's customer service department on XX/XX/2023 to seek clarification and resolve this matter expeditiously. However, instead of offering assistance or addressing my concerns, the representative I spoke with simply provided me with another telephone number to call. This secondary referral has proven to be time-consuming and unproductive, as I continue to be met with automated responses and lengthy waiting times. 

I find Capital One 's lack of transparency and refusal to disclose the reason behind freezing my account highly unacceptable. Not only has this action caused significant inconvenience and distress, but it has also hindered my ability to carry out important financial transactions and meet essential obligations. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Capital One promptly provides an explanation for freezing my account. Additionally, I urge you to facilitate a swift resolution, which entails the unfreezing of my account without any further delays. Furthermore, I ask for Capital One to reassess their customer service protocol in order to prevent similar instances of uncommunicative behavior. 

I appreciate your attention to this complaint and await your prompt action to rectify this issue. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

applied for financial relief in XX/XX/2022 & after sending paperwork requested multiple times was told paperwork was missing & application was denied the process to submit request is very difficult & they make it impossible to get approval this violate federal law process should not be this hard only to get denied after sending in more & more paper work they also want you to constantly send in updated bank statements multiple times
Product: Student loan

I have complained on here before .. the original date of my loan was in 2007 and the orignal prinicpla was XXXX. Today after beinf talked into forebarences instead of lowering my rate.. I now owe XXXX on my prinicpal .. I have made payments for many years without missing but the last year was hard.. and all that happens is my prinicpal keeps raising as does my variable interest rate.. I will always be in debt with this loan
Product: Debt collection

I was a victim in the XXXX information breach where my information was stolen by XXXX knows who and ever since I've had random charges and accounts opened. I've attempted to reach out to one of these companies in particular who will not work with me and understand and at the time I did not know my information had been stolen from XXXX at that point. Now after researching I've discovered that that is the case and I have the paperwork to show as well. I need to have national credit adjusters that shows as a write off removed from my credit report immediately as I have stated over and over and are you the fact that it is not mine and never was and I have no clue where this company even received my information from. I've never done business with them or given anybody permission to have my information so I don't know what it's even comes from but now I do.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, XXXX, and TransUnion to dispute a late payment reported by XXXX XXXX account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX XXXX and TransUnion report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, XXXX, and TransUnion consumer reports. It is damaging and and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven-year reporting period. XXXX has removed these accounts ; however, Equifax has not removed the account as I requested in a written dispute over 30 days ago. XXXX XXXX XXXX this account is past the seven-year reporting period based on the date of first delinquency for a charged off account. This account should be deleted based on the law.
Product: Student loan

i started making payment to XXXX and all of a sudden they switched me to navient in which it seems my loans has increased
Product: Student loan

I am a XXXX XXXX XXXX XXXX XXXX XXXX and at this time believe I qualify for Public Service Loan Forgiveness . I believe 120 qualifying payments have been made. I submitted my application for public service loan forgiveness in XXXX and waited 3 months for a response from XXXX XXXX. After waiting 3 months, I was told that my application did not qualify because I was not employed full time. I have been employed full time/40 hours at a not-for profit organization since XXXX. When I spoke with Fed loans, the customer service rep looked at my application and saw that I checked off full time but thought the " 40 hours/week '' looked possibly like " 10 hours '' due to the way it was scanned into their system. I was told the only way to resolve this was to re-submit an application and wait the additional 3+ months for processing. In my opinion it looks like " 40 hours '' not " 10 hours '' but nevertheless I have submitted another application. I would like for my application to be prioritized for review as it appears XXXX XXXXXXXX mis-read my original application. I do not think it is reasonable to make me wait another 3+ months for application to be reviewed and loan to be discharged as I have made all qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking monetary release for the terrible treatment I have received from experience. From all XXXX credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show XXXX real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, Equifax or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.
Product: Mortgage

We bought a new house in XX/XX/XXXX We began paying our mortgage in XX/XX/XXXX. In XX/XX/XXXX from our escrow statement our taxes changed a little. We continue to pay our mortgage on time ( also about {$400.00} extra each month towards principal ) until now. Today a received our escrow statement and our escrow account is {$12000.00} short. I have no clue how it could be this short. There is now way we can come out of pocket for this amount at this time. They also gave us an option to spread it out over the next 12 months but that is also impossible as it would double our monthly payment. Someone clearly estimated our taxes and we now have no way of paying it. If it would have been correct from the beginning we could have been paying the correct amount each month and not be in the unfortunate situation.
Product: Credit card

XXXX Separate fraudulent charges to XXXX XXXX XXXX made using correct phone number and shipping address, but invalid email addresses ( different, incrementing email addresses on each purchase ). The items were delivered to our house, then immediately stolen from our door upon delivery. I filed a police report and the detective suggested that this is a common scam lately, and to file a claim with the credit card company, which I've done on XX/XX/year>, providing them with the police report number. 

Citi responded with letters showing the transaction details and claiming that the charges were valid based on History of purchases with the vendor ( we've never purchased from this vendor ), valid IP address ( charges were made via mobile phone in our same city ), and valid phone number and address ( information available publicly or commonly leaked along with credit card info ). 

I then responded in writing, again providing the police report number and detective 's name, pointing out the incrementing, different email addresses, and that this was a common scam. 

I have received no further communications from Citi except seeing in their online portal that the credits were reversed with no fraud credit being issued. I contacted them by phone on XX/XX/year>, XX/XX/year>, XXXX, and XX/XX/year> to inquire about the status, and each time have been told that these are still being investigated with no further information being provided to me. I've requested these be escalated, to speak with a supervisor, etc. and have gotten XXXX response other than that these are being investigated. Currently in their online portal, 2 of the disputes show as resolved with no credit issued and one shows that a security credit has been issued even though the representative has told me that all XXXX are still under investigation. 

These charges are absolutely fraudulent, and we've offered to provide doorbell camera footage to the police. 

Charge dates and amounts : XX/XX/year> - {$450.00} XX/XX/year> - {$450.00} XX/XX/year> - {$450.00} XXXX, TX Police Report Number : XXXX I have attached my 3 separate dispute responses back to Citi which contain the police report number, and my notation about the invalid, incrementing email addresses ( both of which seem to have been ignored ).
Product: Checking or savings account

I used XXXX to transfer money directly in my account and the account shows the balance however it wont update the availability of the balance so I can use my money, my money has already left my XXXX and already in my usaa checking account but usaa isnt giving me access to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding the inaccuracy of my account with XXXX ( XXXX XXXX XXXX ) in XXXX of this year via XXXX Mail. Equifax Verified this account as being accurate. I also requested a method of verification as is my right per FCRA. They responded with a canned response leading me to believe they did not conduct a proper investigation. I reviewed the account again and there were XXXX factual inaccuracies several of which are direct FCRA violations. I sent a XXXX letter which showed the XXXX XXXX and I detailed all of these issues. How on earth did Equifax verify this account as being accurate when it contained all of these factual errors and FCRA violations? I instructed them in a XXXX letter to delete this account in XXXX days or I would start filing complaints. It is obvious that Equifax never followed the law and conducted a thorough investigation. In fact, based upon the outrageous way this account was reporting, I truly believe Equifax never conducted a proper investigation or perhaps worse, lied and simply auto verified this account. I have attached a copy of the third letter which documents all of these inaccuracies and violations. To my mind after reading FCRA a dozen times, when an account is verified as being accurate, the data should reflect the industry standard of Maximum Possible Accuracy. Equifax failed to do it's job and willfully continues to report this account even after they were made aware the data was false and inaccurate. XXXX XXXX Promptly deleted the account upon receipt of the exact same letter. Equifax should not be able to operate above the law and ignore the obvious issues with this account. It should be immediately deleted and Equifax should be dealt with to the limit of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX are still reporting inaccurate information by XXXX XXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.
Product: Money transfers

I was buying a car on XXXX for XXXX, and the suppose owner was to ship yhe car though XXXX XXXX.I sent the money thru moneygram to a XXXX XXXX in XXXX, XXXX, and the moneygram was diverted to XXXX XXXX, without my promission.XXXX did not vet the ad, as it was a total scam, and they knew it, due to the fact that in their bylaws they with XXXX.XXXX is part of XXXX, and XXXX XXXX says that in order for XXXX to take responsibility for car, it can only be listed on XXXX XXXX site.XXXX had the responsibility to flag the post, and Ifeel that they were in on the scam, because they still have cars on XXXX XXXX site that are scam cars.I hope you can help me, to shut them down, because according to websites, they are many people that has been victims of such a fraud
Product: Mortgage

I submitted an application to be reviewed for loss mitigation options. During the process they kept asking for a legible XXXX form which was provided several times. The loan was denied for this reason. I went to the IRS and requested the tax transcripts for the years being requested and submitted my file again with the transcripts and XXXX forms once again. The servicer is now telling me that I do not qualify for any program and they have reached the limit of times my file can be reviewed which is 2 times. I 've requested proof of this guideline that I believe does not exist. I do not want to lose my home and need help.
Product: Debt collection

Amount : XXXX Action taken ( me ) : I answered one there calls and said I cant afford to pay I have a lot going on. 
Action taken ( hunterwarfield ) : threaten my credit will be damaged and Ill will be sued. 
Dates : XX/XX/year>
Product: Credit reporting or other personal consumer reports

A hard inquiry that I didn't authorize which effected my score. This was at Yamaha motor finance Co XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was part owner in a company and we were looking for a credit card to use for company purchases. I applied with the companys XXXX, but since we hadnt been in business very long, I also had to use my own ssn and credit to be approved. Ultimately I left the company by selling my shares to other owner. The American Express card was on the books and was used only for company expenses. It continued to be used by company before they started being late on payments to the point of account being closed. Ultimately after awhile, the card was finally paid off, but shows on my personal credit report as a negative report with delinquencies and as closed by creditor. During this time, I spoke to American Express several times and told them who they needed to call to inquire about payments, as I was no longer with the company. Went through the process several times to allow them to speak with my previous company. During this time, even though I was communicating with American Express, I started getting calls that they were calling every one of my family members multiple times each and identifying themselves saying they needed to speak to me regarding this account. They were also calling casual friends multiple times the same way. I was not only mortified and embarrassed, but also horrified that besides family, friends I hardly know were now aware that a credit card company was trying to collect payments owed. 
I have already disputed the negative report on my credit, but just learned that they are only permitted to call family/friends one time. I want something done about this. I went through terrible XXXX due to every person I know being aware of a financial issue that was agreed to be taken care of until paid off by the company I was no longer associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

NetCredi.com accordance with the fair act XXXX  account # XXXX has violated my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over 15 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXXXXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to have old Address removed off my Credit Bureau Report and Also Old numbers off my Credit Bureau Report, they have responded advising me the information is correct when the information isn't correct.
Product: Credit card or prepaid card

WE KEEP GETTING FORCED TO PULL XXXX   AGFAINST OR WILL THIS I DONE WITHOUT PERMISSION AND LOWER SCORING AND HIGHER RATE