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

In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.
Product: Mortgage

Subject : Complaint Against XXXX XXXX for Unauthorized Credit Inquiry To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX, a part of Rocket Mortgage, for violating my rights and engaging in unethical practices. Specifically, I am addressing the actions of XXXX XXXX, Senior Loan Officer ( XXXX : XXXX ), and the subsequent handling of my concerns by her company. 

On XX/XX/XXXX, I explicitly informed XXXX XXXX both verbally and in writing that I did not consent to her pulling my credit report. Despite my clear communication, she proceeded to access my credit report without my expressed permission. This action constitutes an unauthorized credit inquiry, which is both a violation of my rights and against the law. 

I brought this matter to the attention of a manager at XXXX XXXX, who acknowledged the issue and stated it would be used as a " coaching tool '' for XXXX XXXX. However, this response fails to address the harm caused by the unauthorized inquiry and demonstrates a lack of accountability for the companys actions. 

The hard inquiry negatively impacts my credit score, and I firmly believe it should be removed from my credit file immediately. Additionally, I am requesting that XXXX XXXX face consequences for their unethical behavior and disregard for consumer protections. 

To support my complaint, I am including a copy of my correspondence explicitly stating that XXXX XXXX was not authorized to pull my credit report. At no point did I provide consent for this action, either verbally or in writing. 

This unauthorized inquiry violates federal laws governing credit reporting and consumer rights, and I ask that the CFPB take appropriate action to ensure accountability and protect other consumers from similar violations. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I filed a claim for unemployment benefits with the Oklahoma Employment Security Commission and it was approved in XXXX. My benefits started the week ending XX/XX/XXXX. I expected to receive a benefit card not later than the end of XXXX. On XX/XX/2020 I received an email that stated that I had been mailed a replacement card ( even though I had not requested one ). On XX/XX/XXXX, after still not receiving a card I visited the XXXX XXXX website which is the link to the " Way2Go '' card and is managed by Conduent, the payment solutions provider to the card. The forms on the unemployment website state that you can register for direct deposit without the card but every time I tried I received an error message that said my information could not be found. I called 3 times on that date and was disconnected after entering my SS and birth date. I called a 4th time and after 2 hours and 27 minutes on hold, was told that the card was mailed on XX/XX/2020 and should arrive anytime and that the website in fact does not allow direct deposit without the card. I did not receive the card and on XX/XX/XXXX I called again and after holding for over 4 hours was told again that there was nothing that they could do as the card was mailed and no tracking available. As of XX/XX/XXXX I have no card and can not access 6 weeks of unemployment payments I desperately need and have no one to contact. This is a time of desperation for my family and I am begging for someone to do something about this company.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX *Refinanced my adjustable XXXX XXXX to a 20yr FNMA fixed through a mortgage broker around XX/XX/XXXX. *PennyMac bought the loan # XXXX. *XX/XX/XXXX PennyMac performs an automatic withdrawal from my account in the amount of {$1300.00} for Home Owners Insurance Premium which they claim they did not receive from my XXXX XXXX agent 7 months earlier. They never tried to contact me to warn me, they just made the withdrawal. I called to reconcile, XXXX XXXX showed proof they had included the paperwork back during the refinance. PennyMac credited my account back the {$1300.00}. *XX/XX/XXXX PennyMac performs automatic withdrawal of monthly mortgage payment with an increase of {$300.00}. I called to inquire, the Escrow / Insurance department claims they were not aware of my {$170.00} per month HOA payments and requested a copy of the Master HOA Condo Policy and said they had created an " Extra Miscellaneous '' account to pay for this. They asked that I upload the policy to XXXX which I did that day. That was back on theXX/XX/XXXX. They said they would credit the {$300.00} back. *I have since twice filled out their " contact us '' section in my online account and heard nothing back. *Today, I call again and customer service tries to tell me that my escrow has a cushion of roughly {$1000.00} dollars and they do see the extra miscellaneous account that was set up, then proceed to try and negotiate a payment with me!? This made me very nervous, hence my submitting a complaint to your department. *I was a long time XXXX for XXXX XXXX XXXX in the XXXX department under XXXX XXXX and understand the relationship between CFPB and the banks. *I am speaking with XXXX XXXX in the PennyMac Escrow / Insurance department now and she is assuring me it was an error and is requesting an  escrow audit on my account. She is not sure how much the credit will be as of yet and tells me I will receive a letter within the next week. *My concern is that this is the second time in 6 months that PennyMac has randomly charged me vast amounts to the account and then I have to initiate reconciliation. <P/>Let me know if you need any further details and thank you for the help! XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 my personal information was used to open a personal loan on the amount of XXXX I already reported the account with the police department and also the bank but the account is still under my name and I am still held responsible to pay for the loan, I am going to my third payment and I need help to get this account close and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 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.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. 

U.S. Bankruptcy Court : Has violated my rights Type : Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} Remarks : - XXXX also has incorrect address in file : XXXX XXXX XXXX XXXX XXXX, TX XXXX Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$260.00} is not mine however its still been fraudulently reporting on my report after I have sent in multiple disputes and police reports to dispute this fraudulent account
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was repossessed on XXXX XXXX XXXX XXXX XXXX, Bridgecrest sent a statement stating the vehicle was sold for {$33000.00} and was applied to the remaining loan balance of {$24000.00}. Their own statement ( dated XXXX  ) says a surplus balance of {$8900.00} would be returned to me via a check. On XXXX  I called Bridgecrest and they informed me they discovered repairs that they could not name that equaled the EXACT amount of the surplus to the XXXX and thus they would be keeping the {$8900.00} surplus that their own statement said was due to me.
Product: Debt collection

I would like to file a complaint about XXXX collection agencies Portfolio Recovery is reporting a collection on my credit report as open. That is a reporting inaccuracy XXXX XXXX is reporting a XXXX on my credit report as open. That is a reporting inaccuracy
Product: Debt collection

I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item
Product: Debt collection

There is a collection agency trying to collect a XXXX bill for {$240.00}. I have cleared this with XXXX. This is fraud. They said they were going to clear it up but so far it has not happened. Someone used my name and address but a different SS. Despite that, the derogatory collection issue is still showing on my credit report and the collection agency is still calling me.
Product: Mortgage

I have spoken with the mortgage company doing a modification I have paid on the modification it has been over 4 months since I got any information on the modification every time I call they said the modification is still in process I don't understand why a modification is taking over 4 months for them to send me the paperwork I made all the payments and still have not received a modification every time I called they stated that it is still being processed I think something is up with that
Product: Credit reporting or other personal consumer reports

My student loans were transferred from NelNet to XXXX in XX/XX/2023. I have repeatedly asked NelNet to reflect on my credit report that my loans have been transferred, but they are still reporting them as open - so it looks like I have double the amount of current student loans. I have provided documentation as well to all XXXX credit bureaus. 2 have fixed it, XXXX continues to let this go on. I have contacted NelNet and XXXX both - each of whom point the finger at the other and will not resolve this issue. I almost was unable to buy a home because of this.
Product: Credit reporting or other personal consumer reports

I

mproper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. In accordance with the fair credit reporting act
convergent account XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a letter from Comenity Bank stating " Please call us to finish processing your XXXX XXXX card credit card account application. '' and I never opened a credit card for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit via XXXX. I noticed there were one hard pull each this week on XXXX and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX ID : XXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Also your company only has a license to collect debt in 11 states. Those states are : Connecticut, Idaho, XXXX, Maryland, Massachusetts, XXXX, New Mexico, North Dakota XXXX Oregon XXXX Rhode Island XXXX Wyoming XXXX Which is verified on https : XXXX. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Received a promotional email offer to upgrade my Amex everyday card to Amex everyday Preferred with a XXXX bonus Amex reward points after {$2000.00} spend. Applied through the link in email in end of XXXX, met minimum spend and inquired through Amex App chat regarding the bonus status on XX/XX/XXXX and was informed there was not any upgrade bonus offer linked to the card. Agent opened an investigation same day on XX/XX/XXXX. 

XX/XX/XXXX - Chat via Amex app to inquire investigation status and was told the same - no offer was attached to the account. I then told the agent I have the email as proof and was told to provide the POID code - POID : GF0A:0001. Agent checked the code and opened another investigation with the code XX/XX/XXXX -Chat agin via Amex app. Agent asked if I have uploaded email image which I have never been told. eventually I pasted the whole email body with the code again to the agent. Then was told I need to wait. I asked to talk to a manager but was just repeatedly told there was no offer attached and my request was denied. Manager further claimed that it looked like I didn't use the offer code when I upgraded. I'm sure I used the link in my email to upgrade - without the offer I would not have done the upgrade. 

XX/XX/XXXX - Again Chat via Amex App. This time was told investigation revealed no offer was attached and there was no document uploaded - so investigation was closed and request denied. I did paste the whole email once and provided the code a few times already. Transfer to supervisor who basically said there is nothing they can do.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I attempted to transfer from my Coinbase Wallet to my Coinbase account & received the message : " Crypto Sends Restricted As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto. '' I immediately opened a support chat thread and was advised that I had to submit a copy of my driver 's licence as standard for the yearly update. I did so, while on the chat with support, & they verified it looked good. My account should be unlocked within a few weeks. 

After one month went by, I again started a support chat & was told that they needed some questions answered : Was this my account? Did I open it for anyone else? I answered in full, & asked how long until they allowed me to transfer again. The response was that this was given to their team, & I would receive an email update. 

It has now been 2 months & I can not access my assets, even to transfer them out, as I do not want to use this service for obvious reasons. 

Any assistance would be greatly appreciated, as at this point they are holding my money XXXX. 

Thank you in advance!
Product: Vehicle loan or lease

I have a car loan with Credit Acceptance Corp ( XXXX, MI ) I entered into a payment plan of weekly payments in the amount of {$130.00}. They at some point change their close of month date so although Im on reoccurring payments every week on saturdays to be auto drafted out of my checking account, the month close day aye a week before my last pay in that month. Which then reflects as a late payment on my end for that month. I have not missed a payment yet the close of month date for the company changed in turn effected hoe the report to all 3 credit bureaus. Each month they reported my account late drastically affecting my credit score and has caused me not to be able to obtain another vehicle loan with any company Ive applied for. 

In XX/XX/XXXX I expressed my concerns with the company and not 1 representative mention the companies monthly close date in XX/XX/XXXX. Called again and no one was able to tell me why, finally in XX/XX/XXXX I spoke with a representative and she explained why. On XX/XX/XXXX, I payed a week forward so that my payment would show completed in their close of month cycle and be calculated as an on time payment and asked my account can be monthly on my due date instead of weekly to insure my account is paid on time and within the close of month cycle. Since then they still have reported it late
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX  has inaccurately reported information on my credit report. The account was charged off, yet the payment history falsely reflects ongoing charge-off statuses through XX/XX/year>, violating FCRA 1681e ( b ), which requires accurate reporting. Additionally, the account is marked as closed but continues to show updates, creating misleading information. This also violates FCRA 1681e ( b ) and FCRA 1681i, which mandate the removal of unverifiable or incorrect information. Previous disputes were marked as resolved, yet the inaccuracies remain unresolved, failing to comply with FCRA 1681i ( a ) ( 5 ), which requires credit bureaus to delete unverifiable data after reinvestigation.

I am requesting the deletion of this account from my credit report due to these violations. Additionally, as the account is charged off, XXXXXXXX XXXX XXXX has not issued a 1099-C Cancellation of Debt form, which is required under IRS guidelines for canceled or forgiven debts. I am seeking resolution through account deletion and the issuance of the 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try fixing this problem. But XXXX insisted. I have no contract to these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$0.00}