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

On XX/XX/XXXX I went to XXXX XXXX XXXX and had a change of financial responsibility done. I knew there would be a credit check done. I asked the woman at the store if it would be a soft inquiry or a hard inquiry. She told me soft. I told her we can proceed with the process. If it was a hard inquiry I wouldnt have done the change. I contacted equifax and they told me they cant do anything about hard inquiries being removed from my credit report and that Id have to contact XXXX XXXX XXXX and have them send something electronically to equifax. XXXX XXXX XXXX said they dont have the capability to send anything electronically to equifax to have it removed. So Im at a standstill. Neither company wants to rectify this unauthorized hard inquiry that I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, is Violation 0f 15 U.S CODE I68IN-CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE, 15 U.S CODE i68io-civil liability for negligent noncompliance, 15 U.S. Code 1692 ( c ), XXXX XXXX XXXX XXXXXXXX REFUESSES TO SEND ME THE AGREEMENT BETWEEN THEM & XXXX XXXX XXXX SHOWING WERE XXXX XXXX XXXX GAVE PERMISSIBLE PERMISSION FOR XXXX XXXX XXXX  XXXX TO OBTAIN ANY CREDIT INFORMATION FROM THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX CREDIT RATEING AND SCORE IS GRANTED BY FULL FAITH AND CREDIT ARTICLE IV, SECTION XXXX OF THE UNITED STATES CONSTITUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried calling equifax several times to get unauthorized hard inquiries removed from report they say they could not verify me after i went thru extensive validation process. then i file dispute online and i am told in a matter of hours that my disputed fraud inquiries are valid. they did show show proof of proper investigation nor what detailed evidence the companies provided to legitimize its accuracy. 
these hard inquires where Not requested by me. these are fraudulent inquries... 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX according to the fcra these inaccuracies should have been removed
Product: Mortgage

I am disgusted how Chase has done everything in their power, in order not to approve my loan for an affordable modification. Based on the home affordable guidelines my loan does qualify. I am extremely upset that Chase refuses to help me to keep my home. According to Chase recent review ; they stated the reason why I was not eligible for the home affordable modification was due to Chase not being able to verify my income, employment, assets, identify and property occupancy based on the information I provided. This is the exact same excuse Chase used in the previous review back on XXXX. However, I appeal and provided proof of my identity and my source of income because at the moment my wife XXXX was the only XXXX working and it was not enough for Chase to approve an affordable trial payment. I was forced to re-apply and was promised a fair review, but Chase only use {$0.00} of my total income to review my loan. I am extremely upset because I had provided time and time again my wife paystubs and the new payroll records from my new job but Chase refused to use our correct income of {$3400.00}. Chase has purposely prolonged my review process by using false information to deny me assistance. I am falling further behind due to false income Chase makes up to review my loan. All I want is to keep my home and to be provided with an affordable payment due to my loss of income. This is why Chase was sued previously for all the false information that was being used in order not to help struggling homeowners like myself. However, in my case I have provided all the necessarily documentation and I keep getting denied. I am attaching my financial sheet with this letter and all the proof necessary to move forward. Hope we can come to an agreement before I seek legal advice against Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

15 USC 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 1681b of this title. Equifax and XXXX 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.
Product: Debt collection

On XX/XX/year> I received a final account statement from Tradition at XXXX XXXX in the amount of {$86.00} and immediately paid the final amount due. I then received notification from a XXXX XXXX XXXX XXXX that I owed {$1200.00} for damages. I have requested invoices for the work completed after my move out and have not received any proof of these amounts that I am being charged. When I vacated this apartment it was fully renovated. These renovations included removal of a wall in the kitchen, a full XXXX change, all new flooring, new kitchen and bath countertops, all new appliances, all new cabinets in the kitchen and bathrooms. During my residency at this location, I was also the community XXXX. All units are being renovated as tenants move out. My unit 's renovations began immediately after I moved out so the work that was completed was completed by XXXX XXXX which was the renovations team. These renovations did not occur because of damages. 

I have proof of my final account statement and my receipt of payment. I am very confused how I received another final statement after paying my balance in full and why I still have not received any invoices that they are now charging me for. My account has been transferred to XXXX XXXX XXXX and they also have not provided me with any information that I have requested.
Product: Debt collection

I should have had all of my " private defaulted loans '' wiped from Navient, yet one remains, XXXX that has been in default since 2009. 

All of the other private defaulted loans were forgiven under this 39 AG state class-action. 

XXXX XXXX XXXX XXXX XXXX XXXX Can you please advise?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the names and addresses that i have described below violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 Section 602 Amy right to privacy.,, these following names or alias and addresses are not known or old or no longer have any association with myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending my payments in on time, sometimes they come back as returned, i have setup autopay sometimes they discontinue it because of system errors, i have called in to make payments and they were never processed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to provide false information on my credit files. XXXX XXXX and Experian  have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by XXXX XXXX and Experian. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX  letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested my accounts be verified with the 3 credit bureaus ( XXXX, Transunion and XXXX ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a special needs child that I can barely take care of because I can not get the extra funding to provide for her. I've had knee XXXX and lower back XXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. XXXX really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called XXXX and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and Transunion is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a 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. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report and have no clue where they came from. I regularly check my report, but today I noticed some discrepancies that seem to have appeared out of the blue. Even after refreshing my browser, nothing changed. The inquiries stayed. Because of this, Im requesting a thorough review of the documents I've submitted, so I no longer have to worry about this happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Several months ago, I checked my credit to find that Transunion and XXXX ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have written Experian twice ( XX/XX/XXXX, XX/XX/XXXX ) as well as called them 4 times from XX/XX/XXXX to XX/XX/XXXX. Have included all requested information passport, police report utility bill social security card and still has not removed credit cards that were taken out during XXXX that i did not know about. I had identity theft on credit cards as well as tax returns XXXX and XXXX  have both removed fraudulent accounts.
Product: Debt collection

I was notified by court on XX/XX/XXXX to appear in XXXX XXXX COURT ON XX/XX/XXXX re : Garnishment filed on XX/XX/XXXX against me from Cooling & Winters Attorneys At Law. The judgement was from a creditor from XX/XX/XXXX. In XX/XX/XXXX it was handled by XXXX XXXX XXXX XXXX XXXX. A law firm that was sued her in GA for illegal practice Civil Action No. XXXX. This is basically the same firm with a different name. 
They have not proven I owe them any money/or that they can collect on a debt/hearsay owed. I was under a debit consolidation firm in XX/XX/XXXX which may have been in partnership with XXXX XXXX XXXX XXXX XXXX due to the fact they were also found to be fraudulent. I will be asking for validation of debit a Signatures or proof of contractual obligation to pay them. the are required by law to produce elements such as the original agreement account # & my signature. further more there is not a contract bewteen XXXX XXXX XXXX & myself. I will be going to court again tomorrow to fight this corruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account under XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 51681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( ) IN GENERAL Subject to subsection ( c ) any consumer reporting ageney may furnish a consumer report under the following eircumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to fumish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( A ) Subject to section 16815-3 of this title, any.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 91692g violations Fair Credit Reporting Act 15USC 51681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 91681n ]
Product: Credit reporting or other personal consumer reports

My credit is going down, and the only thing I can think of is my car. I was to put a down payment of XXXX on a car in XXXX. In XXXX I got in an accident. Days after the accident I met someone online who said they fixed cars. I let him tow my car to fix it I paid him XXXX in full but turns out he scammed me. He had my car for over 4 months and I shouldve realized it. He never gave me my car back and I told the dealership they told me they would handle it. Mind you, I had XXXX insurance and paid {$300.00} a month for it. I never was given another car, a rental, or even another chance for a car so Im very confused. But when I called them they said they would handle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I emailed Capital Management Services , LP on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/202XXXX XXXX XXXX XXXX XXXX I received a voicemail from a XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

sent them a request to validate the alleged debt on XX/XX/22 certified mail they failed to send the proper validation of debt within 30 days further more they sent my private medical records to me with out proof of my authorization for them to release them and or any type of contract and form Bering my signature giving them authorization to have and or release my medical records, there for the debt is un-validated and they have failed to validate the debt and are in direct violation of HIPPA privacy act and are not cfpb or fdcpa compliant.
Product: Mortgage

In the first quarter of 2019 I made a large payment by check to Roundpoint mortgage. My mortgage is {$680.00}. The payment I made was for over {$3000.00}. When I sent it in I checked the box to apply the over payment to my principle. 

After receiving my next payment coupon I noticed that they did not do that. They applied my over payment to my next months payment and to escrow. I called to change it and was told that because I sent it in as a check instead of paying it on line they can not guarantee that the money will be applied as I wish. 

It is the second time that this has happened with this mortgage company and both times I called in to get it corrected. I am figuring they are grabbing extra interest from me and putting my money ( and possibly others ) into another pot to make money on that. 

No where on the coupon does it tell me that my over payment will not be applied as I wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed more than a few complaints about a Company called XXXX XXXX. My complaint is : : I recently saw my report from XXXX XXXX and XXXX  XXXX  has agreed to delete their site off my Credit, the Company did but not with Experian. I called experian and explained a deletion from XXXX XXXX and asked them to look into this being deleted and the will not put any effort at all. I also noticed on my Experian report last week, XXXX XXXX inquired 2 times on my report when I have a security freeze on all 3. The other two have deleted XXXX XXXX and Experian gives me a difficult time. I asked why I have now 2 inquiries with a freeze and they didnt explain and would not delete those inquiries from my report.