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

I went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called a representative kindly agreed to have dis inquiry removed from my credit reports cause dis inquiry is frand and I want it removed ASAP XXXX XXXX  PERSONAL LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this
Product: Debt collection

Actually the problem is that this debt is in excess of XXXX XXXX XXXX. It was with XXXX XXXX and the debt was put on my account by my grown son without my permission. The debt was around {$1200.00}. Until recently I have not been contacted for about XXXX years. Now they are sending me letters, email messages and calling my cell phone. I am XXXX XXXX XXXX and have been on XXXX XXXXXXXX since 1994. I have not responded because I understand if you do, the debt can become active again. I didnt want that to happen. Please advise on what I should do to get them to leave me alone.
Product: Debt collection

I have repeatedly told National Credit Systems to show me documents with my written signature.They have failed to do so instead showing me papers what appears to show my name in electronic signature that I didnt consent.According to FCRA they must show documents with signatures in writing. 
I demand this collection for XXXX from National Credit Systems be remove/delete from my credit report or I will be force to take this situation to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the prior month I reached out asking for an extension I was told a different story than the one they claim to give. No investigation was done. No one pulled phone calls, or looked into why a representative had gave me wrong information and that information impacted my credit score. Therefore, the information that is reporting to my credit score is not accurate reflection of my credit report. Ive always had XXXX percent payment history. This is affecting my credit score from obtaining a business loan and obtaining a new car under my business.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

My loan servicer is Ocwen. Since the beginning of time of XX/XX/XXXX i have had so many issuesOn this shared appreciation modification, I had a lawyer, the person i dealt with lied, said no XXXX, yet they issue XXXX, then recant, then reissue. They up property inspection fees with notice, and will not show proof who these people are when date time. I had fallen behind again due to property damage and have court documents, and loss of job, i just got a job, after reviewing information, i had not noticed, i saw back in XX/XX/XXXX they took my whole down payment and applied to escrow, they had been over escrowing for a while causing further burden and it took almost a year for them to fix but put me further negative and reporting, they report to bureaus not more than 90 days i am not 90 days, they applied first payment in XX/XX/XXXX they put it all into an escrow, no where in modification did it say that the guy on phone the other day said they can do what they want with down payment? how is that. They know i live here, the other relationship manager is not there, she was uncooperative, i have challenged fees, etc nothing is done. I am at a loss since 8 years, its beyond stressful and I give up, you sue them what good does it do they do what they want. I am told they ca n't call my house because i do n't accept blocked numbers, i work for a bank, you have to identify your number, so i am forced to let them use my cell. they have no personality, i am given vague inconsistent information, i just give up. XXXX and XXXX scammed this from the beginning, my mortgage is assigned non stop, there is an allonge i never saw until online ocwen has personal information posted under their mortg docs on my child support. they over escrowed please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXXL XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, XXXX XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a certified mail letter from XXXX, Transunion, and XXXX that proves they received my dispute for XXXX   XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.
Product: Credit card or prepaid card

My daughter is a vulnerable adult on social security disability. I have Power of attorney for her and I am the Payee on her social security. Her mother is on the account but unfortunatly she passed away. She is in XXXX XXXX XXXX XXXX. She has a Netspend debit card account. Netspend has refused to talk to me and there has been fraud on her account. I was able to turn the card off and went through soc. sec. and had her direct deposit changed. I have not been able to talk to anyone at Netspend other than they said I needed to send them the POA. I did that and they said they did not receive it. I sent it again and this time had the post office get a signature. I then went to the Minnesota Attorney General office and they sent my request and they have not received a reply either. My daughter seems to think there should be XXXX XXXX in her account. Doing the math -- she has been receiving {$1200.00} per month. I believe she has not spent anything in the last six months ( she has been hospitalized and now in group home ). I was able to see a balance of aproximately {$900.00} on phone inquiry. But, I also saw many transactions when I know she was unable to make them. I was sitting next to her when one transaction took place. I have asked but Netspend has been unwilling to even talk to me. I also sent them an email and got the computer response that they received it, but no person has responded. In short Netspend has refused access to her account, money, transactions etc. What I would like is to be able to get her money out and pay her bills. I would like to hold Netspend accountable. My daughter says she never received the card on which all these transactions have occurred. I would like to see all the transactions on her card since it was issued. The account balance at the time it was issued. 
Depending on how you look at it, but since her only source of money the social security direct deposit -- I would call this fraud on her social security. At minimum it is fraud on the part of Netspend since they have not allowed her/me ( her POA ) to access her funds. 
Basically no effort by Netspend to even respond let alone resolve. My daughter has not had access to her own money for many months now.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have an account my credit report named XXXX XXXX XXXX  only credit my report that was removed prior by the credit bureaus. However, it has reappeared on my credit report. I have sent a letter to all 3 credit bureaus certified mail to get them to remove the derogatory remark, the credit reporting agencies have not responded. It has been over the 30 day validation period and I still have not received a response.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. Experian letter response " Experian may have obtained through a third party vendor XXXX XXXX XXXX XXXX ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.
Product: Student loan

I have loans for each of my XXXX. In XXXX, their grandparents sent XXXX {$10000.00} checks ; one for loan 1 and the other for loan 2. The account numbers were written clearly on the checks and they were sent to the correct location. Mohela endorsed and cashed the checks XX/XX/year>. I provided copies of the cashed checks to Mohela. They have yet to apply the payments and when Ive called they have told me the following : We can not find the funds This is complex We will escalate this issue Please call us When I call they say they cant help me. When I email, they say to call. They say a supervisor will call and no one calls, even after confirming my phone number. Each time I call they say they will escalate the issue, but the next time I call they say it has not been escalated yet. 
In the meantime, they have continued to charge interest on the full loan amount and will barely talk to me, saying my loan payment is past due. I finally submitted another payment electronically to simply avoid a ding on my credit. 
Ive asked to speak to the Ombudsman Group, yet no one has contacted me, and I previously filed a complaint through studentaid.gov and they simply repeated everything Mohela stated and that they were working on it. 
Im at the end of my rope here, and have spent countless hours on the phone trying to get a resolution.
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 U.S.C. 1681 XXXX XXXX XXXX XXXX account number XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( 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 annotates the report by more than 7 years.

15 U.S.C. 1681 S-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: Money transfer, virtual currency, or money service

I emailed this letter to the Wells Fargo XXXX XXXX XXXX XXXX. 
" I have been a client of Wells Fargo for XXXX plus years with several accounts and mortgages. 

On XX/XX/year>, I made an electronic payment in the amount of {$980.00} to XXXX XXXX XXXX for my homeowner 's insurance. 

The Wells Fargo XXXX XXXX confirmation # XXXX to be delivered to Slide Insurance by XX/XX/year>. 

I received a call from my local insurance agent on XX/XX/year> stating that XXXX XXXX XXXX had not received the {$980.00} payment. 

However, this payment was deducted from my Wells Fargo Savings account ending XXXX on XX/XX/year>. 

I have called XXXX XXXX several times including the latest being today. Slide still has not received the payment. 

I have called your Customer Service Resolution Department and Fraud Department. The case # XXXX and also received an email from Wells Fargo Bill Pay on XX/XX/year> regarding this matter. 

Today, XX/XX/year>, I was on the phone for almost XXXX hours being switched to different departments speaking with XXXX to XXXX individuals with no resolution. The individuals were not helpful. 

I am thoroughly disgusted with Wells Fargo Bank and have filed a complaint with the FDIC and the Consumer Financial Protection Bureau. 

I want the {$980.00} credited back to my account XXXX immediately. 

Please confirm that the credit has been completed. '' To date there has been no resolution to having the money credited back to my account,
Product: Credit card or prepaid card

Capital One advertises that you earn XXXX miles for every charge you make on their Venture One credit card. I have accumulated XXXX miles which they claim I can use for travel, cash back, credit to my account or gift cards. They tell me that this is worth {$370.00} on the website and when I call them. I tried to use this to lower my balance on the credit card, and it would only lower the balance by {$180.00}. I called them up and they told me that if I wanted cash back they would only redeem the miles at 50 %. I decided to try using my miles to get gift cards. If I wanted a {$100.00} gift card I needed to redeem XXXX, XXXX miles. So, in reality I earned XXXX miles for every {$100.00} charged, but I need to redeem 125 % of the miles for a gift card. This is deceptive advertising. Sure, you earn 1.25 %, but they take back the extra .25 % when you redeem the miles, making the actual rate that I earn 1 %, or .625 % if I want cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and was denied by the credit card company telling me that my Chapter XXXX Bankruptcy what was DISCHARGED in XX/XX/2019 was showing by EXPERIAN that it was NOT discharged, so they denied me based on this information which took a hard credit inquiry as well on my credit file. 
XXXX XXXX and XXXX are showing it DISCHARGED, so l am not sure why Experian is not reporting the same thing which is on court records. 
I need Experiian to CORRECT this and send me a full credit report of my credit file by postal mail to my home address after they correct this information. 
I have tried to call them on there toll free number and you can not get no where to speak to someone live to discuss this, why do they make talking to someone so so difficult can not understand this practice. 

I ask your agency help in resolving this. 

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

To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , AZ Date Updated : XX/XX/XXXX XXXX  XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/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
Product: Credit reporting

The following XXXX accounts were not properly investigated by Equifax and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Equifax should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to TransUnion, XXXX, and XXXX, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case.

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with XXXX, Transunion and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$550.00}