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

I went to the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX XXXX ( This XXXX not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX # XXXX is listed illegally on my consumer report ( XXXX ) in violation of Title XXXX5 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by XXXX and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated XXXX XXXX without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting

XXXX reported me paying a loan late 90 to 120 day. The loan was taken out with them and my truck was used as collateral. The truck was vandalized and salvaged by my insurance company and they were sent a check to pay off the amount. The check was XXXX short and the loan had gap insurance on it so the XXXX filed a claim and advised me they would notify me with anything further and they never did until they sent me to collection were I paid them because they never sent me or called me to notify me that the gap claim was denied.
Product: Consumer Loan

I took a XXXX XXXX dollar loan in XXXX XXXX and made XXXX Payment totally XXXX dollars I requested a payoff on XXXX XXXX good thru XXXX XXXX XXXX and was advised of a payoff total of XXXX the representative explained that only XXXX dollars was applied over the last XXXX payments. The interest rate on this loan is 25 % apr. I do n't understand how I paid XXXX dollars and only XXXX went to principal. I am paying this loan off on XXXX XXXX XXXX which is over 3 years before the loan maturity date.
Product: Debt collection

I was informed XXXX days ago by my future employer that I had an delinquent account totaling {$2000.00}. I called the leasing office where the debit was owed and was informed that it was for move out charges ( XXXX ) my former husband accumulated. I was no longer in the home as of XXXX. The leasing office XXXX had my contact information including email address. There was no attempt to notify me of the debit. I was just informed the day I called. The total charges were {$1800.00}. They referred me to collection agency IQ Data International. I spoke with XXXX who informed me that I could not make payments and that they would not send me any documentation that the loan exist. My only option was to pay the balance in full and if done in XXXX days it would be deleted from my record. She stated if i could not pay i would need to get a loan from a bank. She referred me to a local bank. The next day i called and decided to make payments and not take a loan out because of the state of my current credit score. I was transferred to XXXX again. On this day she stated my balance was now {$2000.00} that it accrues 7 % interest. She became furious when i told her i would not take out a loan and for her to send me documentation so that i can make payments. She then stated that i was refusing to pay the loan and finished stating some sort of disclosure. I asked to speak to manager she said he was at lunch. I hung up called back spoke to another associate who said she could not speak to me about the account but that that managers where on lunch but she provided me with his ext. The managers voice mail had no greeting of the agency or managers name. I left a message and have yet to receive a call. How can i be responsible for paying a debit that i was not informed of then when i reach out to the collection agency they are not providing me any documentation. Do I not have rights, am i just expected to send money to an agency i do not even is legit.
Product: Mortgage

In XX/XX/XXXX I applied for a HELOC through XXXX and was funded around XX/XX/XXXX. 

I made several payments to Lower.com and my final balance was around {$29000.00}. 

In XX/XX/XXXX, I believe my loan was sold to Shellpoint Mortgage. I found out when Shellpoint sent me a statement on XX/XX/XXXX and informed me of the transfer. Then they sent me a statement showing a monthly amount due of $ XXXX. 

This amount is far greater than the terms I agreed to with XXXX and I called Shellpoint immediately in XX/XX/XXXX. They opened a case. 

I've been calling and emailing them every week since then and it's still not resolved. Since I didn't want to have a negative credit rating I paid them the $ XXXX for the first statement, so now I owe around $ XXXX. 

There is no way that I can pay another $ XXXX and I've been asking for help to fix my loan terms. So far, nobody has been able to help and my case is still open. One loan officer at Shellpoint blamed their system, saying they have to process over XXXX new loans. Honestly, that's not my problem. Why would Shellpoint take on more loans that they can't process? I went back to Lower.com by emailing their loan officer to assist because now I'm desperate for help. She said she'll reach out to XXXX XXXX on my behalf. 

So far, nothing has changed with Shellpoint Mortgage and I'm told I have to make another payment on XX/XX/XXXX. Today is XX/XX/XXXX. Please help me. Please have Shellpoint correct the terms of my HELOC loan and send me the correct amount due on a new monthly statement. Thank you.
Product: Mortgage

This file was opened 27 weeks ago in XXXX, the online platform used to negotiate short sales. Since that time, though the file has gone to underwriting five times, the file has yet to be deemed a complete file. Nationstar appears to be reviewing single documents or single pages of documents instead of an entire file. I have persistently asked that this file be considered 'complete ' for a short sale. I have submitted files and documents for months! Time to make this a complete file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information off my credit report with transunion. this incorrect information is hindering my file. please correct it.
Product: Vehicle loan or lease

XXXX XXXX XXXX added warranty and maintenance products to the loan I told them I did not want. The reimbursement check from the dealership was sent to southeast Toyota finance XXXXXXXX XXXX and has yet to be posted to my account. I have called multiple times and they say it is under investigation or is pending.
Product: Money transfer, virtual currency, or money service

I created a Cash App account, and without warning, it was immediately closed for no stated reason. When I attempted to open a new account, I was falsely informed that my device was involved in a policy violationan allegation I strongly deny. 

I have never violated any terms, yet Cash App refuses to provide a specific reason or evidence for this wrongful account closure. Despite multiple escalations, including complaints to CFPB, FTC, and XXXX Cash App has only responded with vague, automated replies that do not address my concerns. 

I have repeatedly requested : A clear, detailed explanation of why my account was closed. 
Proof or documentation of any alleged violations. 
A fair opportunity to dispute this decision and reinstate my account. 
Instead of properly addressing my concerns, Cash App closed my case without resolution and continues to deny me access to their platform. This wrongful restriction has caused financial harm and disrupted my ability to conduct business. 

I am requesting immediate action to review this case thoroughly, provide a specific justification for the account closure, and remove the unfair device ban so I can access the services I rightfully deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  / Transunion / XXXX / XXXX  I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Product: Debt collection

adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )
Product: Student loan

Instead of help lowering my monthly payment, I was offered forbearance after forbearance instead. When trying to pay on my loan, the website doesnt recognize my user name and after trying to retrieve it via email several times, I never received an email about resetting my user name or password.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I have tried to resolve the issue with this company about my taxes being removed from my mortgage payment. The first time they did not complete their job I simply called to check the status and found out they failed to even verify anything just went with what was currently on my account. I then called my tax commissioner and was informed the supervisor has been out but they immediately updates my taxes. Called back to mortgage company they already had approval letter and documentation signed and all about being tax free due to 100 % XXXX they then opened a new research case instead of using current one and said they were going to have to wait timeframe to process refund. They didnt know how much refund was but knew they paid out taxes on my account. I called got refund amount for both tax disbursements after mortgage company tried to say they only paid out XXXX. Then they voided XXXX and was supposed to put it back in my escrow account. Never has been deposited. The check from tax commissioner office was received by them on XX/XX/XXXX in amount of {$1300.00} but they tried to deposit only {$810.00} of it but now are saying they have to verify amount of check or someone keyed it in wrong. Yet it has been XXXX, months since this started, they have not gave me my money back has not given me an update or answer on whats taking so long, no time frame has been given or stuck too. Last time it was it would be completed by XX/XX/XXXX and it still hasnt and keeps says its been expedited but now when you cant tell me a time frame for an expedited case that should be faster than a normal case time especially if you have all the information. I think they are a scamming fraudulent mortgage company who thinks they can steal people money and not expect someone to follow up and call them out on their thieving acts and I will not tolerate this especially when you constantly lying and harassing me for payment for XXXX when it still includes taxes just like XXXX payments did and I paid them cause they said it would be done before the next month and the next month came and it wasnt
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS. 

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/AMAZON & XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX # XXXX XXXX # XXXX XXXX  # XXXX
Product: Debt collection

My husband and I owed XXXX XXXX medical bills and some of it were sent to the collections agency RECEIVABLE SOLUTIONS. In both patients, we had XXXX   auto-debit our bank account. On my account, I have Receivable Solutions auto-debit my bank account. My husband 's collection agency amount was not on auto-debit nor was it being paid because XXXX XXXX told him not to worry about it for now and not to pay it. Our medical bills go back late XXXX to XXXX. In any case, on XX/XX/XXXX, I went online to pay ALL OF WHAT WE OWE XXXX XXXX - both my husband 's and mine. Then, on XX/XX/XXXX, I called Receivable Solutions directly and asked for the grand total of his account and how much longer did we have to pay for it. I do not remember the actual figure but it was not {$900.00}, it was less. I was told that if I pay right then and there, that they were going to give me a 20 % discount and it totaled to {$700.00}. I PAID IT and I kept asking the person if I owe anymore for his account and I was assured that ALL WAS PAID OFF. Today, XX/XX/XXXX, I go to see my husband 's XXXX XXXX online account was showing that we still owe Receivable Solutions {$230.00}. I called them right away and I was even told that the actual amount we owe them still was {$760.00}! That they made a mistake and missed an account ( charges )! Meanwhile, we had received NO documentation, NO communication from them about it. It was a surprise. And furthermore, to my horror, they did the same thing with my account with them! After I fully paid my husband 's amount that we owe them, I next fully paid mine. And my XXXX XXXX online account today was showing that I still owe them money! It is ridiculous! We received NO CALLS, NO COMMUNICATIONS, NO DOCUMENTATION of said " mistakes. '' Please help us. We are good payers and we are regular hard-working people. I believe Receivable Solutions is scamming us. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$96000.00} and XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Product: Checking or savings account

I opened my business checking at local US Bank branch and the banker confirmed he had applied the offer ( code : XXXX ) " earn a bonus of {$400.00} when you open a new business checking account and complete {$5000.00} in new money deposits within 30 days of account opening '' and I still have the poster for it. However, I have completed all requirements for this offer and did not get the bonus. I noticed it is because they opened a Preferred money market instead of Platinum ( required for this offer ) by mistake. I have contacted the bankers and they filed an escalation but it took forever for them to get back to me ( banker always in a meeting or with a customer when I call ) until I stop by the branch again and they said they need to file another escalation and it may not be approved because I need to maintain the {$5000.00} in the account which is not even shown on the poster for this offer. It seems to me they are trying to avoid admitting their mistake and just looking for excuses and then let me wait for reply until I give up on this.