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

Not to long ago I was investigating my credit report come to find out that there were several items on there that are inaccurate. Under 15 U.S. code 1681 e ( b ) accuracy of the report whenever consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. code 1681i ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in general if after any reinvestigating under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the the consumer file, or modify that item of the information as appropriate based on the results of the investigation, and promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 
Please remove the following items from my credit report immediately. 

CAINE & WEINER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original complaint filed XXXX. We continue to have issues with XXXX XXXX  collection methods. After struggling due to spouses medical issues and lost time at work, we basically have a rolling 30 day delq. We had made arrangements to make a payment on XX/XX/XXXX, then another 3 wks later. We made the payment on the XXXX as promised. On XX/XX/XXXX, XXXX received a text : Fwd : '' XXXX we are sending tow truck and officer to come pick up the explorer for non payment thanks. '' I called this individual, named XXXX, who claimed to be employed by Pinnacle. He stated he was getting a warrant and coming with the police to get the car. I got him to back off, explaining we had an arrangement. I made the next payment on XX/XX/XXXX as promised. When is didn't clear our acct a week later, I called and found out the didn't post the payment per instr from XXXX XXXX. I spoke with XXXX and she said I needed to follow the instr in an email, which I did not receive. She sent a new email, stating we needed to complete a credit app along with sending a cashier 's ck for {$1200.00}, which is more than is due. I offered to send {$620.00} now and {$600.00} by the XXXX and she refused. If they would've posted the payment on XX/XX/XXXX, the loan would've been within 30 days. They didn't notify us that they weren't going to post the payment and haven't returned the payment. Insisting on a cashiers check when we have never had an nsf with them. I feel they didn't post the payment to allow the loan to show more delq. There practices continue to be unethical and I'm not sure what to due at this point. With the payment they are holding and I can afford another payment, then the loan would be due for XX/XX/XXXX, but they want the XX/XX/XXXX payment, that is not due yet and we don't have it right now.
Product: Student loan

I was told that if I paid my student loans for 10 years I would qualify for public service loan forgiveness, however after paying the loan for the required time I was told my loans were the wrong type.The government changed the loan program and my loan did not qualify for the loan forgiveness but Navient failed to inform me. I felt cheated and Navient as the experts did not direct me properly, after the 10 years they offered me another forgiveness program that would have increased my payment, which I could not afford. I have been paying my loans since 2005 and still owe {$52000.00}, I am never going to get out of the hole. 

I have recently had XXXX and an aggressive XXXX XXXX called XXXX XXXX, which have both resulted in loss of wages and additional medical fees. I will be XXXX years old soon and will have to retire, I do not know how I will continue to pay the loan on a small retirement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX DOB - XX/XX/XXXX Email- XXXX Inquiries need to be deleted XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In my case, on XXXX XXXX XXXX was partially deposited until XX/XX/XXXX in my Account. 

On XX/XX/XXXX I gave my peer XXXX XXXX from school my card and pin. XXXX recently lost his grandma during Covid. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX been through some rough times. We all have XXXX  stories. I just didnt see this in XXXX XXXX he was always sweet and ready to help me with my homework. I gave him my card so that he can go get him a car I know he was going to school and working on himself. I gave up my card and pin because I was working and I have a heart. I want to see us all make it and most definitely XXXX. Never in a million years would I have thought he would do this. I only known XXXX for roughly a year. I know he was homeless kind of staying place to place and I was just trying to show support. I gave XXXX my card and pin so that he can deposit his money in my account. I didnt think to question him only because I was extremely busy and I didnt sense anything like this. I owed money on rent and was forced to be homeless during this time ; I definitely didnt have no {$10000.00}. I got move out orders and pass bills. 

Because of this identity theft XXXX XXXX  has restricted my account and XXXX XXXX. I need my accounts active this identity theft is causing me XXXX  XXXX  and stress. My children are affected by this identity theft as well we all seeing XXXX XXXX XXXX. My daughter whom is already experiencing XXXX XXXX is really XXXX  because I cant do certain things for her without my accounts. We are experiencing a lot of pain and suffering. We are law abiding citizens and we have a good heart to due diligence in this world. Although we should not have to suffer. We should not have to pay this back. All of my personal information was leaked in a data breach as well. Can you please help me with my case. I am now mindful of my actions far as helping others. 

My vehicle was stolen with all my personal information and including my childrens information in XXXX ssn birth certificates id medical jewelry maybe XXXX worth of Gold. 
My vehicle was broken into XXXX personal information stolen identity medical cards ssn card My id theft report reference # XXXX My incident report # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has not responded to taking these accounts off of my credit or they have not unrestricted my XXXX XXXX Or my XXXX  account. 

I have more police reports as well. 


XXXX XXXX XXXXXXXX Is another account I have a problem with. This guy from XXXX deposited XXXX into my account but was actually stolen from another account I believe. I reported this incident with XXXX XXXX XXXXXXXX customer service fraud team.
Product: Credit reporting or other personal consumer reports

I AM A PART OF A DATA TO WHER MY INFORMATION WAS LEAK AND IMPROPERLY USED WHICH LED TO UNAUTHORIZED ACCOUNTS AND INQUIRIES. 

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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting my credit history on the wrong ssn wrong ssn : XXXX right ssn : XXXX please change expeditiously
Product: Debt collection

I have 3 collections that I paid off in order to close on my house. I have contacted the collection companies and was told they would be taken off after proof has been shown. I have also contacted XXXX XXXX, and XXXX and given the payment reference numbers to all 3 accounts and the collections are still being reported on my credit. I want these off please.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I sent in all the information to experience. They refused to do anything about it. I did the same thing with XXXX XXXX. They could not verify it. They took it off. Experian refuses to do the necessary investigation that it is supposed to do I have sent the police report The FTC report Ive asked for a security freeze. I cant get them to comply with anything I have made several complaints with you guys and Ive also did the same thing with experience to XXXX XXXX. I disputed the information XXXX time with XXXX XXXX sent in the information and it came right off so I asked experience to show me the method to XXXX to verify it nothing
Product: Debt collection

never received a notice that i had an account in collections, until i noticed it on my credit report one day. i request more information from the debt collector and never received answers
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX XXXX XXXX XXXX XXXX for the amount of {$6700.00} the date they opened the account is XX/XX/year>. I have also already obtained an FTC report for Identiy Theft Also the collections company that this account is transferred to is XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX said she works for XXXX and the number is XXXX. She called from an unknown number stating she's about to serve me some paperwork. I called the number from the company she said who was sending me the documents. The company she gave me was XXXX XXXX, it's actually XXXX XXXX XXXX at XXXX. The man that answered the phone has threatened to take me to court. They have called my spouse. Last week the company that was harrassing me was XXXX XXXX XXXX at XXXX. I've had to take my anxiety medicine due to the stress these companies are giving me. I paid this debt with HSBC in XXXX. I've contacted both HSBC and XXXX XXXX and they have nothing in their files showing I owe a debt.
Product: Credit card

Synchrony bank closed my discount tire credit card without any notice and I found out when I went to make a payment. When I reached out they only reason they would tell me is that it was because of my XXXX report and that they had no control over closing my account but yet I still have 2 other accounts that are opened through them that I am behind on because Im going through a debt relief program. This card that they closed is not apart of that program so I have been making my payments. I have asked for my account to be reopened as this is going to affect my credit even more and they refused saying I could just open a new one. Not sure how they think opening a new credit card will help when they have already reported to my credit that they closed the account with a balance.
Product: Debt collection

Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused.
Product: Credit reporting or other personal consumer reports

This complaint with Experian I received notification that their investigation is done and the results are done and they did not take anything off their report even though it is required of them. Nothing changed on the report. Again how did this company verify this information when the other reporting agencies are frozen. Since the collections are on there that is a violation for that to be on my account as both of those collections I do not have a contract with. I have tried to take care of this civilly. Attached is XXXX XXXX form as this company has been given opportunities to correct this and have not. This XXXX last attempt for them to stay in honor will be given they have a week to correct these or I will be filing XXXX XXXX and going after them for damages as well as securities fraud and identity theft as I have not given permission to Experian to report anything on my report. Attached again is the charge off snipit from the IRS law who I will be reporting this to also. 
Again I opt out of anything being reported on my report as well as I have revoked any POA they may have through the IRS. That will also be
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I notified LendingPoint, LLC that they made an impermissible inquiry of my XXXX Consumer Credit Report. My XXXX Consumer Credit Report, dated XX/XX/2023, lists a soft credit inquiry by LendingPoint, LLC that I did NOT authorize. 

I am in receipt of LendingPoints response letter dated XX/XX/2023 ( postmarked XX/XX/2023 ). LendingPoints communication is a nonsensical mess. LendingPoint refused to address their impermissible inquiry of my XXXX Consumer Credit Report on XX/XX/2023. Additionally, LendingPoint refused to provide any documentation showing that I authorized their inquiry. Instead, LendingPoint described an alleged investigation that they allegedly conducted regarding information that they allegedly furnished to an unnamed credit reporting agency. 

As stated in my letter dated XX/XX/2023, LendingPoints action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).
Product: Debt collection

non stop calling even after telling the company that a check was sent. Also, makes threats to my co-borrower who is now an elder and on a fixed income
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Checking or savings account

I opened a BMO Relationship Checking account on XX/XX/, with my work direct deposit set up. After approximately two months, I needed to withdraw the funds for personal expenses. In early XXXX, I noticed that my checking account had disappeared from online login. I attempted to contact BMO customer service through various channels, including secure messages, phone calls, and branch visits. Unfortunately, none of these interactions yielded information regarding the status of my account. Finally, through a live chat, I was informed that BMO may have closed my account. I am still not sure if my account was closed, since there has not been any communication. I am formally filing a complaint regarding the lack of communication with the customer prior to the account 's closure and the deficiency in business and professional training in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Transunion added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Transunion has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

The call leaves a recorded message saying a woman 's name and that she is with Diversified Adjustment Services. She does not ask for any particular person. She just leaves a number to return the call. It is the same recorded message every time.
Product: Credit card or prepaid card

I have had my GM Card since 2013 and never paid late. I have perfect credit and pay my balance in full each month. Marcus, by goldman sachs bought the GM Card accounts from XXXX XXXX  services in XXXX of this year. After the transition I received notice in XXXX they had increased my credit limit. Then on XX/XX/XXXX I received an email that my account had been closed for no apparent reason. I called that morning and asked why and was told an email with new terms of service was sent to me XX/XX/XXXX and I did not respond. I have no record of this email and the customer service rep stated that was the only email and notice sent. I have all my emails from Marcus and have no record of an email asking to agree to terms of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accountXXXX XXXX XXXX XXXX and XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im in the process of getting a new car
Product: Vehicle loan or lease

I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.
Product: Checking or savings account

I filed a dispute on a XXXX transaction for XXXX I was given a link to follow from the merchant that didn't work when I reached out to the merchant they indicated it would work. I filed the dispute with my bank and told them all the info needed and even offered to supply emails of what happen they said they didn't need it. When I got the 70 page letter in the mail it came back from merchant that I didn't return which is correct merchant refused to provide me with info to return. I called in again to my bank and was told by XXXX after telling her again what happen from start not worry and that the credit would not be debited XXXX also worked on another case for me that day. A week later I look at my account and there is a debit for this amount I called in spoke with a XXXX from Florida who informed me that XXXX was on her team and XXXX was their manager but was unable to talk to me right then. But he would call me back as I wanted the bank to listen to the call me and XXXX had. XXXX never called me by the 3rd hour I called back was talking to another person in FL that was on the same team said XXXX didn't forget about me but would call me back I asked what time he left for the day I was told XXXX ... XXXX never called and my issue is still I need my refund I still 4 days later have not received a call
Product: Bank account or service

PayPal closed my account due to me disputing transactions I did not authorize. They even closed my friend account because he was allowing me to use his account. They will not let me re-open it at all or create another account even after I verify my identity and verify I did not authorize those transactions. I have tried reaching out to higher departments but it is all the same no one will help me.