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

XXXX XXXX XXXX XX/XX/2023 added multiple inquiries on my credit without my consent. 

XXXX XXXX XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX - XX/XX/2023 - added a hard inquiry on my credit also without my consent.
Product: Student loan

I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries listed on my credit report, which I did not authorize. Additionally, I believe that these inquiries are not being reported in compliance with the Metro 2 standards. 

Upon reviewing my recent credit report, I noticed several inquiries that appear to be unauthorized. 

Furthermore, I have concerns that these inquiries are not being reported in accordance with Metro 2 compliance standards. Proper reporting guidelines as per Metro 2 require accurate and complete information regarding the type of inquiry, date, and other pertinent details. 

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

The credit reporting is incorrect and no one has provided me any proof of it being correct. There is numerous different reporting showing up on my reporting varying. This should be deleted IMMEDIATELY. and I will continue to dispute this information and pursue damages for not being taken serious. I have no other bad reporting accounts for credit cards so why would I start a trend with this company? they have done false reporting. 

ive made onetime payments of XXXX for the last 60 plus days so how it is reporting pass due with a minimum of XXXX? the account closed date is incorrect! and many other factors. See the attached last report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) Transunion, XXXX and XXXX  have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Credit acceptance is reporting inaccurate balance and reporting inaccurate credit history. I have already called to request them to update but no response.
Product: Credit reporting or other personal consumer reports

I've sent mail correspondence to XXXX  XXXX via mail and I've called them many times & spoke to supervisor but they said it's the law for them to report to consumer reports.

The law states in 15 USC 6802d ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has all violated my rights.

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 an 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

Rep advise me that i can get a deferral on the acct to COVID 19, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account ony credit file was deleted once and then was added back on my credit file. 
15 U.S.C 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S C SECTION 602 A states that I have the right to privacy. XXXX is reporting a late payment on an open account. 15 U.S.C 1666 B states a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card

on or about XXXX/XXXX/15 i called Walmart mastercard to find out why i had a mastercard on my regular walmart credit card account. the agent told me that they had upgraded me to a mastercard and that i could go ahead and close my walmart regular credit card account, so i did so, but before doing that i did ask the rep. when was this mastercard sent out and he told me it was sent out today XXXX/XXXX/15 and i should receive it in 7 to 10 business days. those 10 business days went by and i called and told them i had not received this new mastercard. and the rep i spoke to this time told me " i 'm sorry it was sent out yesterday '' which made it XXXX/XXXX/15 or XXXX/XXXX/15 so once i got the mastercard which was a couple of days later i called to activate the card but it would not activate, and the rep. i spoke with said " i 'm sorry XXXX your mastercard can not be activated because you closed your walmart regular credit card account, and i told the rep. at that time i was told i could go ahead and close the account. and she told me she would pass it on to another department and see what would become of it, about the time she told me that our call got droped so i call right back and this time i ask to speak directly and i mean directly with a supervisor so they connected me to one. she ask what could she help me with and i told her the whole story, and she said well you do n't have to worry now XXXX XXXX i have got your card activated, and i ask her at that time i said i want to know what my APR is on this Mastercard because none of that disclosed to me when i recieved the card, which by law you are suppose to receive, and she told me my APR was at XXXX, and i ask her will you please make sure because i will not use this card if the APR is to high and she told me " I 'm looking at it right here on my screen XXXX XXXX and it says 16.99 %. I said ok thank you and the call ended. since that day i have requested them to send me the terms and conditions on this card that include late fees APR ... .ect ... and i still have not received them. so on XXXX/XXXX/15 I called back and requested a supervisor again and they placed me with GE Capital Escalations team. that team is telling me that my APR is 20.99 % and i said no its not the supervisor i spoke with said it was at 16.99 % and she confrimed that not once but twice when i ask her. The gentleman that is in Escalations said they would have to pull that call, and if that was the case that i was told that then they would correct it. he told me i could call back in 4 or 5 days and it would all be cleared up. i waited 6 to 7 days and when i call tonight ( XXXX/XXXX/15 ) the rep would not place a supervisor on the phone and they still would not give me any information about the papers they where to send and about my APR being 16.99 % as i was told. i 've have been gave the run around over this long enough. i 've had XXXX or XXXX rep and XXXX supervisor tell me the APR is 16.99 % and i 've had about the same amount to tell me its 20.99 % ... and its not right to do a customer that helps place food on the peoples table at GE this way and it needs to STOP!!
Product: Vehicle loan or lease

I turned in my vehicle in XX/XX/XXXX at the end of my lease term and was aware that I had mileage overages that I would be responsible for as well as some sort of " restocking fee ''. 

Come late XX/XX/XXXX I realized I had yet to receive a bill and proactively called Chase Auto Finance where I was informed that I owed {$2200.00} and I should have received the bill weeks earlier. I asked for the bill to be resent so I could review the statement. In this process we found out that they had an old billing address. 

I always keep my billing address up to date on my credit accounts. My Chase account that I paid both my Auto Loan as well as a credit card I have with them, was up to date. It turns out my Chase account billing address online only pertained to my credit card and not the auto loan. I'm not sure how I was supposed to know that. Logic would suggest if I view and pay my bills through one Chase account, that if I update the main account billing that it would reflect across my accounts. 

Nonetheless, we corrected the address in their system and weeks went by where I received 2-3 " change of address '' confirmation letters but never received the bill. I asked them if they could email me a copy and that I would be happy to resolve it if I could see the bill, which they said they were not able to do - it had to be done through mail. They couldn't explain why I wasn't getting the bill and eventually just turned my account over to XXXX XXXX for collections. 

The only logical answer to what was happening here was that they corrected my billing address which auto-generated the " change of address '' letters that I received, but the change never reflected to the actual bill. The Post Office isn't a complicated organizational operation and if I was receiving the " change of address '' letters, there's not reason I wouldn't also be getting the bill if they'd corrected it internally. 

I raised this issue with XXXX when they called me in XX/XX/XXXX and they were finally able to get me a physical copy of the bill. I received it 5 days ago and paid the balance in full today. 

I see this as an unfair practice on behalf of Chase of an online process that's not transparent, and an internal operational billing issue that I shouldn't be penalized for. As a matter of fair practice, it's not fair to expect someone to pay a bill over {$2000.00} without them being able to review the bill.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan in the amount of {$1800.00} on XX/XX/XXXX. I mailed a letter and emailed an attached letter revoking authorization to debit my checking account. They sent an e-mail saying that they got my letter and they confirmed that I had canceled electronic ACH authorization. I was going to pay CashNet USA with a money order, but I found out that I have a pending payment in my checking account in the amount of {$2200.00} on XX/XX/XXXX. They went ahead and with the electronic withdrawal even though I had revoked ACH authorization. They charged me extra fees that go along with getting an expensive payday loan. They also refused to give me the mailing address to send a letter to revoke ACH authorization. They claimed that the loan had to be paid in full before I could ask to revoke authorization for ACH payments. They took money that they weren't allowed to take and now my account is in overdraft. I doubt they are going to pay my overdraft charges. They also don't respond to e-mails regarding revoking ACH payments.
Product: Student loan

Mohela is the worst!!!! 
I have been calling them and wait for several hours just to speak with someone. After giving all the information for verification they will put me on hold again for hour until it gets disconnected. How is this XXXX loan servicer still open? 
I have been requesting the total amount of refund that was sent to me and pending Refund and can not even help me. They do not know how hard it is to deal with them. I demand that they provide the information I have been requesting for months. They are the worst!
Product: Checking or savings account

Someone used my daughter account to do a transfer of funds and it took over XXXX out of my childs account the said they said they were working on this back in XXXX we have contacted numerous times and as of today they said they have to many claims and have not worked on it and they need to give my child back her money they are discriminating against her age.
Product: Credit reporting

I have continuously disputed the AL Child Support Case with Equifax. I have also provided proof. However, Equifax has continued to violate my rights as a consumer to correct and delete incorrect information and the account. I have disputed the late payments as well as the amount expected to be paid on this account. None of which has been reported correctly. Equifax has parroted the account instead of an actual individual reviewing the account and the proof I provided. Equifax has claimed to have " verified '' the account. I have never been late with my child support payments. I have never not paid my child support and the amount expected to pay is incorrect. I will provide my check stubs for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX XXXX from XX/XX/XXXX as well as the child support order from the courts showing my actual payment amount which is {$850.00} a month. On my check stubs the child support deduction is labeled as " Other deduction 1 '', which is deducted weekly from my check. Which as always been on automatic deduction. The incorrect reporting has continued to cause my credit score to decrease and has caused me to be denied for a Mortgage Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous CFPB # XXXX AES sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my XXXX XXXX. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with AES for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!
Product: Checking or savings account

On/about XX/XX/2022 BMO, manager Reference # XXXX on XX/XX/2022 dispute my dispute against an Authorize XXXX mobile provider, BMO paid XXXX. XXXX XXXX {$55.00} dollars for a XXXX mobile device and mobile services. I came to get a free mobile device, free talk, tex, and internet. 
The store supervisor " XXXX XXXX '' said he can register me into Affordable Connectivity Program and pay a one time fee of {$55.00} dollars. He took my picture with his device, took my public assistance Link card #, He took my Illinois State I.D . and My BMO Bank card billed for {$55.00} dollars. My phone texs messages from XXXX XXXX for {$55.00} dollars. Thank You for payment {$55.00} I have the tex messages. I am not registered in Government Affordable Connectivity Program ( A.C.P ) next day I went back to store he told me to bad. 
I made report to Office Of The Attorney General, XXXX XXXX, Attorney General, I was appointed XXXX XXXX, Citizen 's Advocate Consumer Protection Division, XXXX, ( XXXX ) XXXX. On/about XX/XX/2022 RE : XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX Device mobile # XXXX. 
I wanted a Government XXXX ACP  ) not XXXX or XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX email XXXX The BMO Manager at XXXX XXXX XXXXXXXX has been mailing partial bank statement to my address not entire month with my Social Security Direct Deposit for approxiately 3 months. 

please resolve my problem and investigate. Please respond by mail. no email, no telephone with privacy. 

Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Product: Credit card

I signed up for the American Express Platinum card on XXXX XXXX and was rewarded XXXX Membership Reward points on XXXX XXXX, within the 3 months required to meet spend. On XXXX XXXX I had the points wrongfully removed without any proof of misconduct.
Product: Mortgage

I purchased my home through U. S Bank three years ago. I have never been late on my mortgage. My income dropped quite a bit which is causing me to struggle to pay my mortgage. I had a couple of charitable organizations help me, therefore my mortgage is still current. 
I asked U. S Bank for Loss Mitigation help or a modification. They are just giving me the runaround. First they said they were processing it, then they stated that they ca n't help me because my mortgage is current and must be behind at least three months past due. 
That is ridiculous and sound like they are just blowing me off. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX made initiated hard inquires on my Equifax credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. XXXX XXXX sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding XXXX  's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. XXXX XXXX was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.