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

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( XXXX, XXXX and Transunion ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of 45 days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on TransUnion : XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your TransUnion, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2017 XXXX and Property service filled a default judgment. An then went back on XX/XX/2017 and filled a motion to dismiss any money claims in the unlawful detainer. XXXX XXXX   service went back a couple months later and reported a debt being owed in the amount of $ 3000+ plus dollars To National credit systems who's now harassing me about charges that were dismissed. I do have a copy of the letter from the courts where the motion was filled to dismiss all monies owed if needed.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX/XXXX/XXXX  TransUnion XXXXXXXX XXXX  Auto Loans XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  TransUnion XXXX Auto Financing XX/XX/year> TransUnion COURTESY FOR Auto Dealers, New XX/XX/year> TransUnion XXXX Auto Financing XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> TransUnion is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion are consumer reporting agencies and I am the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported to a store application stated that I was dead or deceased. This is a scam to make me correct their stupidity, which I will not do. They are not intelligent nor correct. I got their letter dated : XX/XX/18 and the reason they give for my rejection of this card was : Your credit bureau report indicates you are deceased. 

I do not trust these people, and do not intend to do anything but report them to you for your investigation of them. Please assist me in getting this information out to the public, they must be a scam company out to make money off the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and tried to apply for a car they said they were going to pull my credit report but however they noticed a lot of hard inquiries. 

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

Took XXXX XXXX XXXX XXXX up on a 'same as cash ' no-interest credit offer last XXXX. Never rec 'd a statement from them [ they apparently had the wrong e-mail address and did not offer paper statements ] ; On XX/XX/2021, they called, screaming that my account was past due! I immediately paid them everything up to that point that they said I owed them. At that point, they instructed me to schedule a monthly ~ $ XXXX to reach them by the end of each month thereafter, which I did. What they didn't tell me was that they stealthily charged me an XXXX cent " trailing interest charge '' but failed to tell me about it. When they called me in early XXXX, screaming that I was " past due '' for the XXXX cents, as we were talking, the XXXX XXXX agreed at the absurdity of the situation and promptly reversed the XXXX cent charge that I never knew I even owed! All good, right? XXXX ... ..... 

When I checked my credit report [ which, prior to this fiasco was an XXXX perfect score ], I discovered that XXXX XXXX XXXX XXXX had reported that I was " 30 days late '' with my XXXX payment. this of course is false information. I have complained dozens of times to them- they keep apologizing and promising to correct it but they never do! I registered disputes with all three credit bureaus as well. They all told me that the only one in human history that can change this is XXXX XXXX XXXX themselves. Pls. help to get this removed from my credit reports as they simply are not able or willing to really do so.
Product: Credit card

I MADE MY WIFE AN AUTHORIZED USER ON MY AMEX ( ACCOUNT OPENED XX/XX/XXXX ) BELIEVING THAT IT WOULD HELP HER CREDIT AND THAT AMEX WOULD DO AS OTHER BANKS. IT ENDED UP DAMAGING HER CREDIT SCORE BECAUSE IT APPEARED AS OPENED IN XX/XX/XXXX. WHEN I CALLED AMEX THEY ADVISED THAT THIS WAS THEIR PROCEDURE AND I COMPLAINED BECAUSE THEY HAD NOT DISCLOSED THIS TO ME OR MY WIFE. WHEN I ASKED THEY REVERSE THIS THEY ADVISED THIS WOULD THEN APPEAR AS A CLOSED ACCOUNT ON MY WIFE 'S REPORT EVEN THOUGH NEVER DISCLOSED ANY OF THIS TO HER.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX/XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ;
Product: Debt collection

Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been working back and forth calling emailing faxing and mailing in information to XXXX regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around
Product: Checking or savings account

On XX/XX/year> XXXX Unauthorized transactions were made on my Account, Upon noticing I immediately notified my bank, Around the XXXX business I received a letter notifying me that they were working on the Dispute, today is the XXXX business day since opening the dispute and I havent heard anything from my bank and received no provisional credit. I called my bank and let them know Reg E. states if the dispute takes more than XXXX business day to be resolved a provisional credit must be provided. The XXXX Department XXXX told me that they do not have to provide me with any provisional credit and its up to the bank. Which is in complete violation of Reg E.
Product: Credit card or prepaid card

On or about XX/XX/2018, Capital One decided that it was not going to increase my credit limit even though I told them that my income had significantly increased. Capital One also informed me that my former employee did not commit fraud even though he stole company funds by using the credit card. The total of this fraud is in excess of {$5000.00}.
Product: Student loan

I have a case that should have been XXXX by XXXX XXXX. All my loans are still on my credit report, and have not received a refund.
Product: Mortgage

DITECH MORTGAGE AKA XXXXXXXX MORTGAGE CONTINUES TO AGRESSIVELY AND IN A VERY HARASSING MANOR TO ATTEMPT TO COLLECT A DEBT ON THE MORTGAGE BACK FROM 8 YEARS AGO THAT WAS SETTLED THROUGH A SHORT SALE. THEY KEEP REPORTING A FULL BALANCE ON CREDIT REPORT RUINING CREDIT REPORT AND CAUSING A GREAT FINANCIAL DISTRESS TO ME AND MY FAMILY. THIS NEEDS TO STOP IMMEDIATELY!!! 
Name : DITECH FINANCIAL LLC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Past Due : {$55000.00} Acct Status : 120+ DAYS PAST DUE Hide Details GREEN TREE XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : 120+ DAYS PAST DUE Account Owner : Joint Account High Credit : {$120000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$55000.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$710.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 70 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I am not associated with the creditors listed.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

On XX/XX/XXXX, Midwest Service Bureau, located in XXXX, KS call me AT WORK trying to discuss a debt owed. I told them I was at work and to stop calling. Then on XX/XX/XXXX, they called me again and I told them AGAIN to stop calling me at work and he preceded to talk over me acting like he did not hear me. My boss then got on the phone and she told them this was a place of business and to stop calling here. He was trying to argue with her and she cut him off stating to him they are NOT allowed to call at work. He again tried to argue, but she told him to stop calling. 

The amount owed is less than {$200.00} - which technically my ex husband owes according to court papers and Midwest Service Bureau was told that also.
Product: Credit card

I purchased a gift card to XXXX XXXX XXXX through XXXX and the purchase came up as a cash advance with my card issuer, Citi. I called Citi to let them know what the purchase was for and how the purchase of a gift card to a specific merchant does not qualify as a cash advance under not only their listing of what a cash advance is, but also any general definition i could find online. They continued to read a script throughout the discussion and never took into account the fact that maybe they rang up the transaction incorrectly. Since this was a purchase made via XXXX, i had a representative from XXXX on the line who informed me the transaction was listed on their end as a goods and services transaction. Because of the mixup on Citi 's end, i was charged {$12.00} in fees and missed out on {$4.00} in rewards, given the 2 % rewards on my card.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX. XX/XX/2023.
Product: Payday loan, title loan, or personal loan

I applied for loan got approval then went through verification process then denied this is credit discrimination.
Product: Student loan

I have several loans with Navient from XXXX XXXX. When XXXX XXXX closed I contacted Navient to resolve the issues with XXXX fraud. I have filed a borrowers defense application with Navient and they have continued to charge off my loans, report to my credit reports etc. They have not taken the time to even review the application after faxing and emailing it. As it stands now they have damaged my credit report beyond repair.
Product: Credit card or prepaid card

Capital One recharged a bill of materials that was never purchased, the XXXX charge by XXXX XXXX was a hold on my card, that was released on XX/XX/2019, They rebelled it on XX/XX/2019 fraudulently ... I contacted Capital one and they did nothing to remove the unauthorized charge..and reported a inaccurate bill to Credit bureaus ..thgat is hurting my credit score ... absolute fraud
Product: Debt collection

By mandate from the CFPB, medical debts can no longer be reported on any of the major credit bureaus. This collection must be removed permanently.
Product: Mortgage

I have applied for a loan modification. I am currently paying 6.5 % on a loan. The method to apply requires that you go on line and submit various appears. When I submitted them I had apparently not provided or incorrectly submitted some forms. There is no way to know this other than to check again online.No emails or phone calls from them.I have called the person who is supposed to be my " specialist but never actually spoke to him. He is very hard to understand. I get different people who give me different reasons why this has taken more than 4 weeks despite the site saying 7 days. I am about to be late with my monthly payment. The person I spoke to today said it was given to the underwriters on XXXX XXXX th and it could take up to 30 days. The person before said that it was out of their hands since the application has to go through my home state and they are waiting for the return from New Mexico. It seems to me that the longer they put off their decision the less it costs them. If they reduced my interest rate from 6.5 % to say 3 % ; by me continuing to pay the higher rate. according to the last person I spoke to, It so happens that the date I become late with my payment is the same date that the underwriters are supposed to " decide ''.
Product: Debt collection

I contacted the said company to inform them that I do not recognize the account.
Product: Credit reporting or other personal consumer reports

I got a XXXX credit card in XXXX. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all XXXX credit reports.
Product: Vehicle loan or lease

I got my car and shortly after I was fired. I called my lender right away to ask about my option and they said I could do anything because I had not made 6 payments towards my loan. I explained to them that I was not going to be able to do that as of now and they said that there was no other options. I called today XX/XX/2022 to let them know I have still not found a job and I was told that my car would be repossessed and that I didn't have any options to keep my car. Every time I call to see how I'll be able to keep my car they just tell me it's too bad and that there's nothing to be done other than to pay them so they don't come get my car.
Product: Mortgage

This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them.
Product: Checking or savings account

I did not receive a letter stating the checking and savings accounts would be closed due to inactivity. 

I did receive over 300 letters in 2 business dates stating the account was closed. 

I called to inquire how to receive the money in the accounts. Was told to visit www.unclaimed.org and to simply enter my name and mailing address, and that the funds would be mailed to me. 

When I followed the instructions to the website, a search showed zero results, which would not allow me to file a claim for my funds. 

I am seeking assistance with getting my money to me that was from the accounts closed.