23daVinci/CFPB_Complaints huggingface dataset:
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. 

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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX  Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

I received a call from my mortgage company " Quicken Loan '' " XXXX XXXX, stating my loan qualify for a FHA Streamline refinance and I will not have to come out of pocket at closing. He stated no appraisal fee, but he would need to pull my credit. I reached out to a Banker at Quicken to verify the refinance was a not scam or fraud.

I allowed Quicken " XXXX '' to pull my credit on XX/XX/21 and I qualified for the refinance. 

The next day XX/XX/21 XXXX called me and stated my interest rate would be XXXX and my monthly payment would be {$820.00}. XXXX in turn told me it would be a FHA closing fee of {$2200.00}. Quicken " XXXX '' told me it would not be any fees coming out of my pocket. 

The same day I reached out to XXXX XXXX, CEO on XX/XX/21 asking for help and why would XXXX come up with a fee at closing when i ask him before he ran my credit. 
I stated in the email to XXXX XXXX, CEO I would have never allowed my credit to be pulled if I had to pay any type of fee. I asked for his Help. 

A XXXX XXXX emailed me and I called him, XXXX stated he want to solve the issue, sure he does? He state the {$2200.00} was the " upfront mortgage premium '' 1.75 % would go to FHA. I stated to XXXX I will call him back and I emailed him as well on XX/XX/21 he never answered my call or emailed me back. 
I verified with FHA and it is true regarding the " upfront Mortgage premium. '' I do not know how they are going to make this issue right. They need to make this right with a letter to the Credit Bureaus stating the Hard Pull on my credit need to be a Soft Pull because of " misleading and unethical practices from the Lender. '' This type of under handed process has cause me to distrust them. Not only that, Quicken " XXXX '' should have known it would a fee at closing. 

Shame on you Quicken Loan.
Product: Vehicle loan or lease

They dont ever put the APR on the statements so I have no ideas what rate Im paying. Also the amount that goes to the principal is never consistent.
Product: Credit card or prepaid card

My credit card is not applying the payments to my statement. I have made over the minimum payment required, yet i n  XX/XX/XXXX  and  XX/XX/XXXX  my statement balance is exactly the same amount. Capital One lowered my interest rate a bit, and I have not made any purchases. But, yet again my  XX/XX/XXXX  and  XX/XX/XXXX  balance are EXACTLY the same amount. This is not possible, I have been having issues with Capital One.  I called to complain about my minimum due and interest rate, after doing so, maybe a 3 days later all the sudden my credit card number was used by someone else? They issued a new card, now my payments do n't seem to being applied, my interest is questionable and the minimum due is very high compared to wh at Capital One ha s stated over the years and advertising.
Product: Credit card or prepaid card

Inaccurate information being reported on my report- see attached
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these accounts in my credit file : 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 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 XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts and Inquiries Due to Data Breach I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide the right to remove fraudulent or unauthorized information resulting from a data breach.

The following accounts and inquiries have been compromised as a result of the data breach, and I respectfully request that they be deleted and blocked from my credit report : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

some one used my information to apply for credit without my knowledge. Please remove these inquiries 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title. a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have paid over $ XXXX this year and my balance does not drop because when I pay additional above my payment the company will not apply it to the principal balance. Even my mortgage company does not do this. How am I ever supposed to pay the loans off when I 'm paying $ XXXX in a year and see no reduction in my balance? This is a predatory lending practice and should not be allowed - especially with student loans. NelNet is the company my loans are with right now. They refused to apply my extra payment amount differently or provide a refund so I could apply it to different debt.
Product: Checking or savings account

A checking account with Chime bank was opened under my name. I received an email invitation to start a direct deposit with them that included an account number and routing number, etc. I immediately called Chime and they confirmed that this was done fraudulently as they had my social security number, name, and email. The account was closed.
Product: Vehicle loan or lease

Complaint Summary : - The amount of money dispute : XXXX dollars. 
: I bought a car from an official Mazda dealer ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX ) a few days ago. When I consulted with the sales manager ( XXXX ), he suggested several options, but I declined because I thought they were not really necessary. However, the manager said that the XXXX XXXX XXXX ( {$1500.00} ) and XXXX XXXX XXXX XXXX ( {$990.00} ) were already installed in the car, so I had to get them. I thought that they seemed expensive and I even didnt know what they were, and he made me to get them, so I signed the contract. When I brought the car home, I felt uneasy and like I had been cheated, so I called the next day and asked again if they are really installed in the car, and the sales manager admitted that they are not installed in the car. I was so dumbfounded that I looked it up online, and it seems that there are consumers who have been scammed in similar cases. I have talked with my lawyer and she told me that I can cancel that and can get a refund and also I have talked with Mazda financial team and they told me that they can take off the items cost when the dealer where I bought a car makes revised contract. They told me to tell them to cancel the items that I don't want to install and then send the revised contract to the mazda finacial office But the dealer ( XXXX XXXX ) won't do it. The manager ( XXXX ) is a scammer. He does not want to do the job right. The sales manager lied at the first place, and now that their lies have been revealed, I was tricked and fooled, therefore I want to cancel and get a refund for those options. They are so bad people. I have been cheated. I want to take off {$2500.00} from contract and send it to Mazda Financial Office. If I hadn't checked carefully, I could have been fooled, and I hope you take action against them so that no one else like me becomes a victim. 

2XXXX MAZDA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 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 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 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 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: Checking or savings account

Ive had multiple problems with Cash App regarding holds.they requested that I submit something from the hotel showing that I have XXXX balance in in order to remove a pending charge of {$120.00}. This should never have been on there anyway. I provided an updated receipt from the hotel showing XXXX balance and cash app still will not release my phones. They have done this in the past and its unacceptable and when you try to discuss it on chat they disconnect you times are tough for everyone right now. Thats a lot of money for me and theres absolutely no reason for that money to be held from me especially when I produced the documentation they requested
Product: Consumer Loan

I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad
Product: Credit reporting or other personal consumer reports

i have unauthorized inquirris in my credit that were not submitted by me nor i have applied or are they open to any of my accounts see attached 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/year>
Product: Student loan

Between Navient and XXXX XXXX i have XXXX school loan from XXXX ... when navient took over XXXX it doubled my student loan on my credit report with late payments/ defaults showing which are not true.in my credit report it shows double loans both over XXXX. I have tried to disputed with both companies to remove XXXX of the loans but each company blames the other for the error and makes the other responsible to remove.this double student loan with negatives has hindered and prevents me from increasing my credit score to ever be able to purchase a home.. i have tried with several lenders and they all have pointed out the same dent in my credit report its due to this student loan from XXXX ... XXXX years later! I have had to work hard to show proof in ogher ways that im am capable of managing my money and credit by havingbto open credit card accounts and showing that i am " on time '' with no late payments on them.the struggle and the numerous phone calls to these companies is a headache and at the end i have gotten endless run around with them. Meanwhile i cant purchase nor get ahead in this world because of this error. I suffer, my kids suffer and Navient just does n't care to respond nor take any action. I wish I would have never taken out a school loan biggest mistake of my life that is still haunting me XXXX years later. 
Please hepl me remove these errors from my credit report.
Product: Credit card or prepaid card

My account was approved and opened in XXXX 2017, with a credit line of about {$1200.00}. However, without any prior notice, this account was closed in XXXX 2017. I had paid the account out before the payment was due on XXXX XXXX 2017.  The payment was {$43.00} leaving a XXXX ( XXXX ) balance. I received a letter in XXXX XXXX, 2017, stating " We want to inform you that we are closing your Kohl 's credit card account issued by Capital One, National Association. The reason ( s ) for our decision is as follows : " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I have no idea what this means. I had a Capital One account that I used wisely and on purchases such as medical bills, clothing, etc. Absolutely nothing that was inconsistent with anyone 's expectation. <P/>However, I have filed several complaints regarding Capital One and its ' faulty customer service. I agreed to close this account with Capital One after receiving compensations for errors made. <P/>This appears to be retaliation as my credit is excellent and all my purchases were purchases that anyone would make. The challenge was the poor customer service with Capital One. <P/>I have not received a statement from Kohl 's or the amount that I over paid on the account prior to the company closing the account without my knowledge or my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, WELLSFARGODEALERSVCS add a hard inquiry on my credit report perXX/XX/XXXX 
On XXXX. XXXX, 2020, XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX, 2020,XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax report and found a ton of hard inquiries that I did not authorize. It is damaging my credit. These are the inquiries that I have never had any type of credit with. 
XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.