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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019XXXX XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

This is related to credit card dispute with XXXX XXXX. case number # XXXX. 
So, this dispute in my understanding is a solid case that shall be ruled for the customer, however, capital one again ruled against me after me writing in a rebuttal letter. I seriously doubt Capital one dispute department is investigating any dispute documents. The 1st round of deny was ruled in within 1day after submission of claim, the 2nd round denial was ruled within 3 days of submitting rebuttal statement. Its hard to believe that C 1 ever heard anything from merchant within such a short time frame. 

In contract, i had a similar case submitted same day to XXXX XXXX XXXXXXXX XXXX, and i havent even heard anything from XXXX XXXX on 1st round. Their response isnt as ridiculously fast as c 1. 

this is about on online XXXX XXXX order and before i placed the order, i chatted with XXXX online associate and was told they can price match with XXXX. After i placed order, they told me they cant since its an order that i paid with a {$75.00} gift card from the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  price match guarantee doesnt say customer cant use go to pay for price match order. I only disputed the difference that XXXX  associate supported before placing the order and still got denied. This is an obvious case for merchant agreed credit yet failed, how could I lose this case with solid transcript from XXXX XXXX chat online? 
Capital one support center is not doing any review in my understanding, and ive lost all disputes with Capital one even some cases are obviously wrong on the merchant sides. For example, XXXX dispute case is a returned merchandise with returned shipping label delivered and shows weight 6.6lbs and still couldnt get my money back.
Product: Credit card or prepaid card

They sent me credit card with XXXX credit limt i put XXXX on card tried to use couole days later and card locked I haved called 4 times spent hours on phone kept saying it would be unlocked next day went through that 3 calls and they said i had to talk to fraud department and i did they said they had to call me back to prove my idenity they said they would call in XXXX hours no call i called them again told me same thing still waiting for call been XXXX weeks nothing still locked. Please Help
Product: Credit reporting or other personal consumer reports

I have found errors on my credit report regarding 15 USC 16c-2. The listed inquiries were not authorized by me, and this incorrect information is damaging my credit. Please remove all unauthorized hard inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a valid copy of a valid police report to Experian and they are still refusing to correct errors on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.
Product: Debt collection

On XXXX XXXX, XXXX I have received a letter in the mail, informing me of the fact that XXXX has retained an attorney firm Zakheim and Lavrar of XXXX, FL in order to collect a debt in the amount of {$8700.00}. 

Later on XXXX, XXXX I have been served with a summons which states that a law suit was filed against me. 
The summons also states the I had 20 days to respond to this notice or to dispute the debt. 
I filed response to complaint denouncing the claim. 

No other communication has been received from the creditors attorney. They had disappeared until on XXXX XXXX, XXXX, without any warning or additional correspondence I have received a letter informing me that a Judgement in the amount of {$9200.00} has been entered against me. Said letter also threatened to to begin the process of enforcement of said judgement in form of wage and bank accounts garnishments. 

No hearing notices were ever serviced to me. 

An offer to settle was then mailed to me on on XXXX XXXX, XXXX, but because I was thinking of hiring an attorney I left it unanswered and then due to a number of significant changes in my household arrangements related to my children moving in with me, and increased expenses due to that, and having to retain an attorney to represent me in a child support modification case, this slipped my mind. 

In XXXX, XXXX XXXX the collector have filed a writ of garnishment against my wages Immediately upon receiving the correspondence containing the copy of the writ I responded with the Head of Household exemption claim dated XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The representative of XXXX ( Collector ) files an affidavit where they contest my claim of exemption. 

On XXXX XXXX, XXXX Court issues a notice of dissolution of writ of garnishment. 

however on XXXX XXXX, XXXX a an order setting setting hearing is issued with regards to my claim of exemption. 

Not only do the collector misrepresented the fact that they have not communicated as required by law, now this case became even more confusing. I had no choice but to hire an attorney. 

My attorney has attempted to cancel the hearing set for XXXX XXXX, XXXX however it ended up just being rescheduled for XXXX XXXX, XXXX Given that we have been issued a letter of writ dissolution, I was advised by my attorney to ignore further hearing as they are most likely set due to a clerical error, so I will follow the professional advise, however I am totally confused and worried about the situation and really need help resolving this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the Equifax data breach of XXXX and other data breaches where my personal information was stolen. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 

The following accounts must be removed immediately XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$1400.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXX Date of Adverse Information : XX/XX/XXXX Amount : {$9400.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$570.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Action : XX/XX/XXXX Amount : {$1100.00} Reason for Dispute : Identity theft related to the Equifax data breach. 

The following Inquiries Must Be Removed : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXXXXXX XXXX XXXX  DATE : XX/XX/XXXX I have also provided a letter of proof that I was impacted by the XXXX Equifax data breach, which I obtained from the Equifax Data Breach Settlement website . Additionally, I have included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 

In further support of my claim, I have provided the following documents : A copy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued ID and a bank statement.
Product: Credit reporting or other personal consumer reports

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely XXXX  XXXX  out.
Product: Credit card or prepaid card

I have spoke to Synchrony Bank about our financial hardship with COVID-19, The State Of Michigan Shut down for 6 months. I had subscribed to the promotional offer of six months on my purchase however, the PANDEMIC has caused a financial hardship and our inability to earn income on a weekly basis put us behind. This corporation and the Supervisor XXXX at ext XXXX would not assist us on my request for further assistance. I want to ensure to pay as we move forward however, for them to tell me they will debit my bank account free will is MOBSTER and I as an AMERICAN will stop at nothing against XXXX XXXX financial institutions as well as Michigan State Attorneys office regarding their practices during a WORLDWIDE PANDEMIC. Second to this, I want to know if SYNCHRONY BANK received any part of the CARES ACT MONEY to help them stave of losses in XXXX. 

THIS IS NOT BUSINESS AS USUAL ANYONE WHO TELLS YOU THAT ITS IS, IS LYING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This must be a mistake. I am not sure how this happened. I believed that I had made my payment to you when I received my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late XXXX or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.
Product: Bank account or service

I have an account with BBVA Compass. Appears they charge fees whenever they decide to. I was charged {$10.00} from my account without them giving me an actual date. So I tried to call them today with 8 attempts, either I was disconnected from the robot call or someone from offshore. My account is set to speak with only someone in the United States. However these people refused to transfer my call. I 'm very disappointed with how BBVA handles banking for their customers and the phone reps should be educated on what the customer request. Their attitudes are horrible.
Product: Debt collection

on XX/XX/2024, I received on letter from a company name MIDLAND CREDIT MANAGEMENT , INC said I had a debt collet {$1400.00} I didn't recognized it, on XX/XX/2024 I received another letter from different company 's name XXXX XXXX XXXX {$1100.00} I try to take that action I CALLED XXXX XXXX XXXX  to let them know this not me they said it a error this amounts already paid off and no charge off.
Product: Vehicle loan or lease

I applied for a loan for a car on XX/XX/2020 with XXXX XXXX XXXX, who in turn used Exeter Finance LLC as its assignee to finance the loan. Upon discovery that there was no cash or payment to be owed on my current contract ( as stated on Pg. 4 section 2c bullet points 4 & 5 ) with Exeter Finance LLC they have since denied me my right to cancel the current contract with them for a misleading contract that they are the assignee of, charged off the vehicle, reported the charge off to the credit reporting agencies, attempted to repossess the vehicle, had a private investigator follow me, and denied return of my credits, payments, & title of the vehicle. While calling my allegations fraudulent and ordering me to cease and desist from contacting them about the matter.
Product: Credit card

I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. 
After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!
Product: Credit card or prepaid card

I've contacted Community Bank numerous times via phone and mail to fix inaccurate information being reported on my credit report. I have not received a response back. I've submitted messages via the secured message as well, and was told that I needed to contact the company via mail for the disputes at which I stated I have numerous of times, and still haven't heard a response on having the inaccurate and false late payments removed from my account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax don't report my monthly mortgage payments what do I do to XXXX XXXXXXXX XXXX. I received and investigation letter from XXXX XXXXXXXX XXXX where they tell me that they do report my payments to XXXX, XXXX, Equifax, and XXXX, but I don't know why, only XXXX shows informaion about my mortgage credit, and the other XXXX bureaus, they do not do it.
Product: Debt collection

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as Synchrony Bank. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of Synchrony Bank as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Student loan

First I had my loans with Edfinancial and I was not told accurate info about why my loan payments were not going towards my forgiveness loan that I applied for. They also have over 2 hr to 3 hr wait times to speak with someone which is unacceptable. Because they provided inaccurate info to me, I went ahead and paid my loan off because I was tired of dealing with them and did not want to go through yet another servicer. Ed financial received my payment posted on XX/XX/2023. They proceeded to transfer my paid off loan anyway 20 days later. They never returned my money. I have been calling them to say hey you transferred a paid off loan and now the new servicer is asking me to start paying on a loan that should not have been transferred because it was paid off and they are trying to add interest. Ed financial said they are supposed to issue a refund but I am yet to receive it. They told me that it can take up to another 150 days to receive my refund. They have had my money for over 90 days already. They should not be able to do this. They owe me interest on my money and I should not have to pay interest to the new servicer. I need my money ASAP. Not 150 days later. They have had my money for too long already. When were they going to refund me? We're they trying to keep it? Why havent I received my refund yet since I have brought this problem forward?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses that are inaccurate in my file. Kindly remove them right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions. 15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. ALL RIGHTS RESERVED
Product: Checking or savings account

I was charged a great amount of fees due to untimely banking updates. My account was suspended. I since have been have a hard time resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX