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

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Chase bank do not no longer want to do direct deposit from annunitys into a personal accounts unless the exceutor and the benifuarys name is on the account together. I think that is bad banking business.
Product: Credit card or prepaid card

I have a Walmart capital one credit card .I received a statement from them, i owned them for the month of XXXX almost $ XXXXThe due date was the XXXX of XXXX. My bank issued a payment on the XXXX of XXXX. On the XXXX of XXXX, I received a notice, that i was late for the payment. I called Capital one customer service, to find out wgy my payment was late. They informed me, tat there was {$28.00} late fee charged to me. Ion my statement, it shows, they received the payment on the XXXX, ( 8 days after i sent it ) the agent said this was a mistake an they would reverse the charges. I firmly believe this company is using fraudulent methods to charge, the unknowing consumer, extra charges to line, their pockets.On the late notice, they told me, I could avoid this issue, by allowing them, to automatically deduct their bill, from my bank account. I would like for your bureau to investigate this company for this fraudulent process.
Product: Payday loan, title loan, or personal loan

About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on  X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} 2008 XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Consumer Loan

On behalf of my dad XXXX who is XXXX years of age. I am requesting an investigation as to why XXXX accounts were opened in his name in XX/XX/2016. Personal Line of Credit in the amount of {$8200.00}, Personal Loan in the amount of $ 16,000.00and a Credit Card in the amount of {$2000.00}. He does not remember signing documents, he was diagnosed with early signs of XXXX. I remember him receiving several calls from a Wells Fargo representative female caller during the months of XXXX and XX/XX/2016 and messages being left on the answering machine for him to return their calls. He advised that they told him he could earn more money on his accounts. I kept asking him who and what are they trying to sell you and he advised they are trying to help me. Enclosed please find documents to support my request. There were withdrawals when the accounts were opened and he indicated he does not remember receiving the monies. Just recently I learned that several employees were trying to open several accounts during 2016.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items 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: Credit reporting, credit repair services, or other personal consumer reports

Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. Experian and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Product: Consumer Loan

Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.
Product: Vehicle loan or lease

My Name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased a car from XXXX XXXX, identified as vehicle number XXXX, financed through Americredit Financial Services Inc. loan number : XXXX. The loan was for 6 years which would have completed cycle in XX/XX/XXXX ; however, during the year of XXXX, XXXX XXXX XXXX Florida, which is where I resided, went through two hurricanes as a consequence three payment were allowed to be placed at the end of the loan term. 

In XX/XX/XXXX I left the USA and moved to XXXX, leaving my then Husband in his care our home and car which had the 3 payments to complete. 

In XXXX AmeriCredit Financial Services Inc. issued me a 1099-C Cancellation of Debt which was mailed to my home in XXXX XXXX XXXXXXXX Florida . I was required to file taxes with the amount showing on the 1099-C of {$990.00} as income. This represented the 3 payments that were put to the end of the loan were never paid by my then husband which resulted in the issuance of the 1099-C for the three missed payment. 

On XX/XX/XXXX, I went to DMV and tried to get the title for the car, as it has been sitting for years and I wanted to start using it. To my dismay, the lien is still showing and upon my call to now General Motors Finance, they will not release the title until I pay an amount of {$1100.00}, which they claim is what is owed on the vehicle. I explained to the customer service representative and to the supervisor XXXX XXXX, at ( XXXX ) XXXX, that I received this 1099-C and if they wanted the funds they were going to have to rescind the 1099-C issued, and that would required that both of us do a 1040 Amendment to the taxes for the amount I reported as income and the taxes they reported as payment. The main issue is that the 1099-C was issued in XXXX and I did my XXXX taxes with this amount as income. I can not at this point correct my taxes from 11 years ago. 

I have tried daily, weekly to speak to a manager or someone that can help to no avail. Meanwhile, I am unable to resolve this issue. I have also asked for the payment history to be mailed to me to show me where the difference is coming from. My payments were of XXXX XXXX monthly... So I do not know how they state that apart from the {$990.00} they claimed were issued to me as a 1099-C that I owe an additional {$1100.00}, this would mean that I was 6 months past due, which is not accurate. 

I need help resolving the title issue and determining if I do owe, that they provide payment history to show how the amount is arrived ... and if the {$990.00} is part of it ... they can not double collect on it.. one through a 1099-C and the second with me sending them the payment they are asking to release title. 

I plan to send copy of this complaint to the Federal Trade Commissioners Office, State Attorney and to the IRS. 

I can be reached at ( XXXX ) XXXX. Title can be shipped to XXXX XXXX XXXX XXXX, XXXX FLXXXX 

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

I called both creditors directly and they told me they would Not remove the inquiries from my credit report. 

XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XXXX XX/XX/2021
Product: Debt collection

I had contacted the company after viewing my credit report. I advised that I have documentation that my car was stolen with my cards in it. I had sent that in and was told that it was going to be taken care of by the fraud department if they had any questions I would receive it in the mail or a call. I never received any other communications. I contacted Capital one on XX/XX/2019 and told them it wasn't resolved. They stated I would receive papers in the mail to send them back. 1 month later I haven't received anything. I called and she said to send a letter and someone might get ahold of me. This isn't my debt however it's affecting my life.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the date of the last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) and on Experian it's if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 
Account XXXX : XXXX XXXX Account # XXXX
Product: Credit card

I submitted a dispute on XX/XX/26 for XXXX the dispute has been " under review '' for over 45 days, I did not receive any provisional credit. Also no update has been given to me about the dispute, I provided all supporting documentation while making the dispute. Every time I reach out to customer service I keep on getting the same " 45 days ''. The 45 days time frame has passed and no update has been given to me. I need my money back from this merchant. cashapp username : $ XXXX. Email : XXXX XXXX
Product: Credit card or prepaid card

Capital One has refused to correct their negligent mistake which has greatly impacted my credit score negatively. I have evidence of their mistake with a written letter from capital stating they made the mistake and yet you no action to remove the negative comment from my credit report. XXXX XXXX an employee from capital one assured me that this negative impact would be reversed and removed from my credit report.
Product: Mortgage

My first mortgage loan was transferred to The Money Source ( TMS ) for servicing in XX/XX/2021. In XXXX, I set up an online payment for XX/XX/XXXX, for {$1000.00} plus an additional {$100.00} in principal. In late XXXX, I changed the scheduled payment to remove the additional {$100.00} and to only pay the {$1000.00} that was due on XX/XX/XXXX. 

When I noticed that my {$1000.00} mortgage payment had not yet debited my checking account on XX/XX/XXXX, I logged into my TMS account and saw a message that there was an issue with my payment and to contact customer service. As instructed, I called the customer service team at XXXX, at XXXX XXXX time on Wednesday, XX/XX/XXXX. The individual I spoke with could not provide me with an explanation for why there was an issue with my scheduled payment, but she suggested that she could schedule a payment for me over the phone, which I did. 

On XX/XX/XXXX, my account was debited for {$1100.00} ( not the amount I had authorized ), and on XX/XX/XXXX, my account was debited for {$1000.00}. This caused countless issues with my cash flow, as well as advances from my overdraft line of credit. When I called TMS to try and resolve this error ( first on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX ), they advised that I would need to email proof of the double payment from my financial institution before they would refund the second payment, and that they would not refund the interest charges on my overdraft line of credit, because the error " wasn't their fault. '' I did email the requested information on XX/XX/XXXX, even though it seemed laughable I needed to provide proof of two payments to the very company that had pulled my money twice. After several days had passed with no response, I called TMS again on XX/XX/XXXX and spoke with someone who confirmed that the email I sent was received, but that it hadn't yet been looked at. Another individual advised me that the documentation I submitted wasn't acceptable, because it didn't include my full account number and wasn't an official statement ( this is apparently because people try to scam the system or something ; the logic of this argument eludes me when, once again, TMS had possession of my money and all I wanted was for them to return the second payment to me via the same ACH channel ). 

I never was successful in resolving the error with TMS, a situation made even more frustrating when I received notice that my loan was being transferred again, to another servicer. I did not authorize two mortgage payments, and the TMS individual I spoke with on XX/XX/XXXX did not alert me to the fact that I would be making two payments if I authorized a payment with her. According to my phone records, I spent XXXX minutes attempting to resolve this with TMS, along with time spent retrieving and emailing the requested information. The level of frustration and stress this caused my family is outrageous, and beyond the incredibly low service level TMS provides, the fact that they held my money hostage for several weeks shouldn't be acceptable ( or legal ).
Product: Mortgage

I had a XXXX. It got transfer to Carrington. My balance was {$4000.00}. I gave two payments if XXXX for principal. They put the money in my escrow and for regular house payments. Plus everytime I give a payment is {$15.00} fee. This is a fraud, my loan keeps increasing. I 'm discontent with this Co.
Product: Credit card or prepaid card

Keybank is withholding my funds ( {$3000.00} ) without cause for 2 months now. Im spending near 20 hours a week on the phone with both keybank and the dept of labor and would like to file a complaint against them both. DOL has informed me they have been emailing them nonstop since Thursday, Ive submitted all identification and proof address that they have requested and told me theyre working on it, 3 more days for the last 2 months. I dont have a XXXX to my name but I can see {$3000.00} on a card the status of which is DEPOSIT ONLY ( you know just to add insult to injury ). Keybank informed me they havent received any contact from them at all as of yet. I have names and employee Id numbers for these rude people as well some of which are VERY rude. It is impossible to get them on the phone and when you do theyre resentful and want to express disdain for your suffering. My cat just died I have to pay the vet XXXX $ for the cremation. I do not have a dime. Only {$3000.00} thats being withheld from me without cause and I would imagine unlawfully. These people are lying to me, they keep me on the phone all day and then hang up on me after being on hold for hours without talking to anyone. I WANT TO FILE A COMPLAINT AGAINST BOTH PARTIES AND IM TAKING TO SOCIAL MEDIA TO PUT THIS ON BLAST TO ANYONE THAT WILL HEAR IT RIGHT NOW
Product: Checking or savings account

I worked for XXXX supermarket, had my check direct deposited into a chase banking account, chase then closed my account and held my check from my job and wont give me my money, Ive met with them multiple times and they will not give me a straight answer on how to get my money.
Product: Debt collection

I have two entries on my credit for XXXX for a XXXX loan that I did not take. They have reported negatively on my credit as XXXX XXXX and their collection company AD Astra Recovery services. XXXX and AS ASTRA RECOVERY has failed to provide a legitimate contract to me oweing the debt.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX P.S.- Please remove, IMMEDIATELY, all inquiries that were made fraudulently and mentioned or described in the FTC report.