23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my Credit Report, I noticed several UNAUTHORIZED Hard Inquiries on the report as follows. Please DELETE the Hard Inquiries as soon as possible. 

TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

RushCard went through a technology transition which has myself, as well as XXXX other people, without access to our funds. We have been waiting for the past 10 days for my direct deposit. My wife has been keeping up with the updates posted via social media incessantly. We have tried contacting customer service, but after holding for literally hours, we are disconnected. We spoke with XXXX representative on XXXX/XXXX/15 and we were told that she saw our direct deposit but there was nothing that she could do about ; we simply have to wait until everything is fixed with the glitch that occurred. 

We are a family XXXX We have tried contacting our utility service providers to explain our situation, but many are unwilling to work with us, especially since we can not give them a date as to when will be able to make a payment. 

We have tried every avenue suggested XXXX ' and RushCard 's social media and we are still waiting to be contacted. We have been to the ATM, as suggested, and my account says {$0.00}. The automated and online system also say {$0.00}. Even the money that was on the card before the transition is missing. 

We have been unable to buy food and gas. I had to borrow money from my boss to simply be able to get to work. We have been to the food pantry to get food. All of these things have terribly embarrassing, especially considering I work to provide for my family.
Product: Vehicle loan or lease

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In XXXX they added it. Only for the balance to be incorrect. And all of my previous payment history not reported. They are reporting that I owe more than Ive paid. Payoff quote as of XX/XX/23 is {$46000.00}. Outstanding Principle balance is {$46000.00}. They are reporting that I owe {$48000.00}. I would like the correct amount reported and updated on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX mortgage and was informed by the underwriter that a conflicted error ( statement posted ) had occur in the credit reporting. I disputed the mentioned account, and the dispute was resolved, and payment was made to put the account at a XXXX balance of {$500.00} in XXXX. The entry for the tradeline shows that I have a dispute with the PAID ACCOUNT. 
I have contacted the creditor and the credit bureau to get the statement removed from the report by letter on XX/XX/XXXX. I also attempted to call during the same time period but to no avail. This statement is causing grave concern in getting the approval for the mortgage. I did not DISPUTE this account after making the payment, and am asking the statement to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXXccount Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Debt collection

I receive 3-4 calls daily and when I answer they hang up. This started in XXXX XXXX,2017. They have changed numbers several times and I 've blocked numerous numbers that belong to this company.
Product: Debt collection

I wrote a letter to this company dated XXXX XXXX, XXXX. I have requested validation of account numbers XXXX and XXXX. The fact that this a collection account impacts my credit file. This is included in bankruptcy. This company removed account number XXXX and did not remove account XXXX. This violates FCRA and the bankruptcy law. They also violated FCRA and FDCPA by not sending me validation documents I requested.
Product: Credit card or prepaid card

I did purchase the air tickets through the credit card during the pandemic period and the flights got cancelled and i did request the concerned flight ticket to refund the ticket expenses and did try to request the credit card people to not to charge interest on that specific amount and asked them to dispute the transaction. None of them are supporting my case and are continuing to charge interest and i keep paying to wait for the result it kind of mental tension to me..i keep on paying they don't even support with the pandemic crisis and still XXXX the blood of customer who tend to maintain good credit.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Mger 15 USC 1681 .

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I recently was the victim of identity theft and had over XXXX XXXX dollars charged to my U.S. Bank credit card. My bank removed all of the fraudulent charges and issued me new card. Now I see on my statement that they have reinstated XXXX fraudulent charge for {$2400.00} ( see attached ) I called card company at XXXX with my XXXX to ascertain what happened. First spoke to XXXX who was rude and not helpful, finally was transferred to fraud dept. Lady we spoke to would not give her name or agent i.d . and finally put us on hold and hung up on us. The fraudulent charge of {$2400.00} took place in XXXX 2015 in XXXX 2015 I was charged nearly {$20000.00} by XXXX XXXX for a host of products that were shipped in my name to Florida. When I notified my card issuer they immediately removed the fraudulent charges and issued me a new card. Now they have put the {$2400.00} fraudulent charge back on my account from XXXX another Florida company and as far as I know part of the same scam. I did NOT at any time authorize the listed charge and by bank knows this. I want U.S. Bank to know that I want to file for arbitration or will seek my own legal remedy if they do not make my account whole. That was what I was trying to state when I called in but never got the opportunity due to the unprofessional and rude agents I had to deal with.
Product: Payday loan, title loan, personal loan, or advance loan

In Spring 2023, I was approached by a representative named XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. He offered me and my friend a discounted enrollment plan under the condition that we would both share XXXX account. He claimed that while this wasnt standard, he would make an exception for us since we were students and under financial limitations. He also promised we would both have full access to the training program, and that we would benefit financially if we followed through. 

Despite signing the agreement, I never received access to the platform or the services I was paying for. Repeated attempts to use my account failed, and support was not provided. Although the program was for both of us, only my name and Social Security number were used I was held solely responsible for the full amount, while receiving none of the promised services. 

I began making monthly payments of {$300.00} in good faith, despite not having access to the product. Eventually, in Fall 2023, I stopped paying when I realized I had been misled. XXXX XXXX XXXX then began threatening to send the balance to collections and to damage my credit. Despite explaining to them that I had never received access to the services, they proceeded to place the debt with Monterey Collection Services. 

XXXX has now listed a {$12000.00} collection on my credit report, which has caused me to be denied credit cards and financial aid. I recently received a packet from them with a signed agreement and payment records, but this does not prove that I received any services. I am being charged for a product I never used or accessed. This entire situation aligns with the FTCs lawsuit against XXXX XXXX XXXX, which accused them of deceptive marketing and false earnings claims. 

All I am asking is for this debt to be removed from my credit report, and for no further contact from Monterey Collection Services. I am open to settling this fairly, but I was clearly taken advantage of as a young consumer. I am attaching proof of the contract, the collection letter, payment statements, and other documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting an account on my report that is not accurate. The account is for XXXX, and the terms were for 80 months. The account shows five months of harmful activity, but I never had an account for this amount with Chrysler credit, and they can not provide proof that such an account exists. I asked ten times for them to remove this account, but they have not done it, so I am complaining about this inaccurate account. The account number is partially XXXX, the amount is XXXX, and the date opened was XXXX. Please have this company remove this account. I did not sign any contracts, and no such paperwork supports this amount.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a lack of credit history when applying for credit. This is incorrect for the other two XXXX and XXXX show a credit score via XXXX XXXX over the last two years! 
My credit history includes the XXXXXXXX XXXX XXXX account, which opened around XX/XX/XXXX and closed on XX/XX/XXXX, for over {$6000.00} Current revolving XXXX XXXXXXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX, with a credit limit of {$7800.00}. 
I attempted to open a charge account at XXXX XXXX and was " denied. '' I received a response from Experian stating that I do not have a credit history!
Product: Money transfer, virtual currency, or money service

I received a text message stating that my bank card was attempted to be used at a XXXX in California however I live in XXXX, XXXX  Once I responded no to the text I received a phone call from a number appearing exactly like Citibank stating that my account was attempted to be used. The person stated that they will be sending me a new card in the mail or asked if I wanted to block my card. They stated they would send me a verification code to go on the account. Then I started receiving text messages that money was being XXXX  out of my account when I logged in I saw that money was also being wired out of my account at the same time. Once the person which I assume was the scammer hung up I called Citbank and attempted to make then aware of the situation and they stated that I needed to go in person to a bank location to file the report. They didn't assist me immediately. The next day I attempted to go to the police prescient to file a report and they indicated that there was no need to file a report that the bank would investigate the situation. I then went to Citibank to open up a new bank account and attempt to file a fraud report regarding the scam that had occurred. They informed me that I needed to call the fraud prevention line to file the report. I called and filed the report. One week later was told that the funds were no longer in the account and there was nothing else they could do. Citibank then referred me to the Citi Executive Response Unit for further investigate the matter. After a month of them reviewing the case they stated that there was no money left in the account where the money was wired to and that there was nothing further that could be done. The a representative opened another case with the response unit for further and the outcome was the same that there was no money left in the other account and because the matter was scam the bank is unable to refund me the funds. The incident initially happened on XX/XX/2021 at XXXX. The phone number they called me from initially was XXXX. The money was wired out of my account by the scammer into a XXXX XXXX Bank account ending in XXXX under the name of XXXX XXXX. I do not have any knowledge of who that individual is. The XXXX  payments were sent to a XXXX XXXX. I was able to have Citibank refund the XXXX payments but they are refusing to refund the wire transfers the scammer initiated from my account to theirs. I was not the one that sent the money to the scammers. I would like to have the money that has been stolen out of my account by the scammer refunded to me.
Product: Mortgage

I have a fixed-rate VA loan serviced by Nationstar Mortgage ( XXXX XXXX XXXX XXXX ). I closed on the property XXXX with advisement that my payments, including mortgage and taxes, would be approximately XXXX per month ( per the HUD Statement ). 
Per the FORM XXXX - XXXX Fixed Rate Note - my mortgage payments from the inception to XXXX 2016 has been {$1800.00} per month. 
On XXXX XXXX XXXX, I receive an payment change from Nationstar advising that my monthly mortgage payment would increase as of XXXX XXXX from {$1800.00} to {$3800.00} - an increase of {$1900.00} - due to a " shortfall ''. 
We have a legal agreement with Nationstar via the Form XXXX ; and for them to suddenly increase monthly mortgage in this manner/to this amount is a violation of the consumer protection laws.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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 complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Comentity Bank stated I had 3 credit cards New York and Company, Ann Taylor and Victoria Secret. I did have a VS card several years ago that was paid in full with another bank. This company is illegally sending me text messages to my cell phone using a collection company. I sent a letter to the collection company via email attaching police reports. I told the company representing the bank to stop texting me in my email and they just sent another text this am about New York and Company. I Blocked their number but they continue harassing me for old debt that I don't owe. I sent letters and police reports to the bank directly back in XXXX. They still reported me to the credit bureaus and have not stopped. They just keep changing collection companies that have never notified me after I worked with the bank to remove this fraudulent debt. To be candid if consumers did not have your company to help people like myself I believe these kind of issues would never end. It's unfair and has really destroyed my life credit wise.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX received odd phone call from *restricted* number stating I had a pending court hearing with XXXX  County on XX/XX/XXXX @ XXXX  and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute ACR ( XXXX   ) XXXX and a file number of XXXX.XX/XX/XXXX I contacted ACR ( Allegiant Capital Recovery ) and spoke with XXXX XXXX at ext. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX  to validate everything. He said ok and to give a call back.XX/XX/XXXX I contacted original credit card vendor XXXX  and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact ACR and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment.

XX/XX/XXXX received phone call from XXXX at ACR. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX  and then hung up on me.XX/XX/XXXX received second phone call from XXXX at ACR. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has was paid in 2020. XXXX XXXX  Account # XXXX