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

I am disputing a hard inquiries on my credit report initiated by XXXX, XXXX, and XXXX which occurred on XX/XX/XXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX, AMERICREDIT, and XXXX, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may violate the Privacy Act of 1974, which mandates that personal data be accessed and used only for legitimate and authorized purposes. 
The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Student loan

My loan servicer is Mohela and in summer XXXX they underwent a platform transition as they moved their online portal to mohela.studentaid.gov. I submitted my XX/XX/XXXX payment via check since my portal was unavailable. I sent it on XX/XX/XXXX to the address provided to me by customer service : XXXX XXXX XXXX - Mohela, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. My bank statement shows that Mohela deposited this check on XX/XX/XXXX. On my bill due date XX/XX/XXXX I had access to my portal and my account showed my payment as past due. 

I called Mohela on XX/XX/XXXX and provided copies of the check I sent as well as my bank statement. I have called countless times to follow-up on the status of the processing of my payment. I have been told wait times ranging from 14 to 90 days. On XX/XX/XXXX I was told that the original ticket type my problem was submitted under on XX/XX/XXXX was incorrect and had to be resubmitted. I have waited on hold on average XXXX hours each time to wait to speak to an advanced representative who can provide no guidance and only states that I have to wait for accounting adjust my account. This delay is costing me a valuable month towards my Public Service Loan Forgiveness count. This processing time for reflecting a simple one-time payment by check is unacceptable.
Product: Debt collection

In reviewing my credit report, I found several accounts that were added without my consent and are incorrect. I ask for the immediate removal of these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer files from Innovis and the information they contain has to be deleted. Innovis has not been given written consent to contain any files or information on the consumer pursuant 15 usc 1681b ( 2 ). I demand to opt out and I demand any and all information this credit reporting agency has on me to be deleted. Thanks
Product: Credit reporting or other personal consumer reports

I have a cancellation of payment arrangement letter from capital one dated XX/XX/2023. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/2023 ( see attachment ). 

Called Capital One directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The pink slip for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the pink slip with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Product: Debt collection

A response to a complaint received XX/XX/2021 from portfolio recovery did not prove any validation as requested. Portfolio recovery failed to provide proof of a debt belonging to me. My name and social security trust account number does not provide proof that this alleged debt is who you claim it is.XXXX A debt is an alleged obligation and your company failed to provide a autographed original contract/agreement. Just because your company bought a debt and failed to do your due diligences in proper validation does not make this account mine. Further more, there is a significant amount of XXXX XXXX XXXX billing errors connected to the attachment ( exhibit A ) coupon provided to the cfpb complaint. And Im sure the original companies ledger shows a similar credit ( connected to this statement coupon ) to their bookkeeping. Your abusive debt practices are abundantly clear, but your companies location is very unclear which is a violation, the attached exhibit A statement states California, and Virginia yet your company standing states Baltimore, its a lot of false and misleading representation XXXX XXXX XXXX and deceptive forms XXXX XXXX XXXX which has me concerned about who your company is and also how many companies have violated my federally protected consumer rights and accessed or sold my personal information without permissible purpose. Portfolio Recovery failed to validate a debt existed as requested and by law must remove the account.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with your agency in regard to not being able to freeze/unfreeze my credit file with Transunion. Well today XX/XX/XXXX, your agency sent a response to me from Transunion that this concern had been resolved and that I would now be able to freeze/unfreeze my credit file online. Well, I checked my email that Transunion instructed me to reset my password through the link that was provided to me in my email. I followed the instructions to reset my profile 's password with Transunion. I then tried to freeze/unfreeze and was unsuccessful again. Therefore, I called Transunion at the number provided in my email and was connected to the online department. Well, the agent in this department stated that the reason I can not freeze/unfreeze my file is because I had a profile set up on their paid site and that I need to set up a profile on their free site called service.transunion.com. I attempted to setup a profile on the free site of Transunion and it stated that I had a profile set up already. I am very furious therefore, I called back into Transunion. This agent stated that the reason that I could not freeze/unfreeze my file is because of internal errors on my online profile and that a supervisor was going to call me in 3 business days. I told her that I had heard this before and had spoken to a supervisor back in XXXX and was told to send in copies of my drivers license and social card to no avail nothing was fixed. The agent then had given me another case # again for the third time and said that she would see if she could get a supervisor on the line. Supervisor XXXX talked to me to tell me that she could not fix my problem but that a technical rep will call me in 3 business days ( something that Transunion keeps saying to me ). This is the same issue I have been dealing with since XX/XX/XXXX. I personally feel that this is just a ploy by Transunion to have me start paying monthly for monitoring service with their bureau. My file is still frozen, and I can not access credit from creditors who utilize Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Credit card

Today ( XX/XX/24 ) I was trying to redeem my reward points from my CitiBank DoubleCash Card. Citibank makes it incredibly difficult to redeem these points. The user has to log onto a totally separate website ( thankyou.com ). Because I was already logged into the citibank website, I kept getting redirected to the citi website. When I was finally able to login to thankyou.com, I was locked out, presumably because I entered in my security question incorrectly. Unfortunately, website never told me what the problem was in logging in. The website directed me to call a particular number ( XXXX ). After a 15 minute wait time, the customer service representative told me that he does not have anything to do with the rewards program and gave me a separate number to call. This number ( XXXX ) provided a voice activated menu which purported to send me to the points redemption department by speaking the word " Points. '' However, it never acknowledged when I spoke the word " points. '' I called back multiple times to the menu to confirm this. Also, it did not provide me the means to select the department by entering a number rather than speaking a word. Out of desperation I just entered the number " XXXX '' even though it was not an option offered by the voice message. By doing this I was able to connect to a customer service representative. The customer service representative denied that I was locked out of thankyou.com and offered no means for me to be able to log back in. She did offer to redeem my points for me, to which I agreed. Those redeemed points still have not posted to my account after 1 hour.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIREIS ON MY EQUIFAX ACOOUNT I DONT HAVE KNOWLEDGE OF FROM XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I JUST PURSCHED A CAR IN XX/XX/XXXX SO I DONT  KNOW WHERE THESE INQUIRES CAME FROM BEING THAT I ALREADY HAVE A CAR FINANCED A YEAR PRIOR AND THE COMPANY IM WITH HAS THERE OWN FINANCING. I HAVE REACHED OUT TO EQUIFAX AND THE COMPANIES WHO SENT THE INQUIREIS BUT HAVE NOT RECEIVED A RESPONSE AND CAN NOT GET THIS RESOLVED.
Product: Debt collection

I settled with the Collection agency of Conn 's Appliances, XXXX, for {$1600.00}, I paid this amount. The collection agency is owned by Conn 's. I have the bank draft where I paid them. XXXX  keeps telling me that it's accurate when it's not. I paid. You can not get in touch with Conn 's to talk about it.
Product: Mortgage

Like many people, my mortgage went into forbearance earlier this year with Carrington Mortgage. During this time, I did not make 2 monthly payments ( XXXX and XXXX ). On the Carrington website, it said that my forbearance period ended XX/XX/XXXX and that I had to communicate with Carrington to make arrangements. Carrington never reached out to me or advised what my next steps were. XXXX XXXX I call them and they direct me to an online survey they were working on ( that was down for system repairs ). XXXX XXXX I fill out the survey. In the survey it asks if I could start making payments, which I said I could start making in XXXX and pay 2x per month for 2 months to catch back up. I get no response after I submit the survey other than a brief statement saying they would be in touch. End of XXXX I call Carrington because I get a statement saying I am delinquent on my loan ( which has been in forbearance )??? I call them on XX/XX/XXXX and they say, ok, no problem, make your payments as planned 2x per month until you are caught up. I say ok, pay 2x on XX/XX/XXXX, and then again end of XXXX / early XXXX. But now they have reported me to the credit bureaus as being 60 days late that lowered my score 136 points! I spoke to Carrington multiple times, had an " escalation specialist '' even call me, agree with me, tell me they would fix with the Credit Bureaus and send me an email ... still nothing. I feel like this can not possibly be right and I feel like they are just so ill equipped to deal with this situation that they are steamrolling me.
Product: Mortgage

My property was flooded on XXXX XXXX, 2016. An insurance claim was immediately filed. After waiting several weeks for the insurance company to process the claim, I signed a contract with a General Contractor to begin making the flood repairs. The contract requires me to pay in installments. I have already paid the contractor {$32000.00} out of my own pocket, requiring me to withdraw funds from my investment accounts. 
On XXXX XXXX, 2016, I finally received the insurance settlement check of {$57000.00} and immediately forwarded the check registered mail to Suntrust Mortgage. Confirmation was received that the check was received on XXXX XXXX. Additionally, all required supporting documentation i.e., proof of payment documents, proof of loss, XXXX, Waivers, etc., were uploaded onto the Suntrust website, well in advance of mailing the settlement check. I have spoken with Suntrust Insurance Department Representatives on a daily basis and was assured all necessary documents have been received and approved. On XXXX XXXX, I was told a check was being overnighted via XXXX XXXX, to be received today, XXXX XXXX. 
On XXXX XXXX, when calling to follow up on the check which did not arrive, I was told it is being held in the Processing Dept. The representatives indicated they were unable to contact anyone in the Processing Dept. No one was able to tell me if or when I will be reimbursed. I can only assume Suntrust is holding the entire amount in an escrow account? 
With the contracted repair work now approximately 75 % complete, the contractor is now due a third installment to finish the job. For the third time, I am forced to make a sizeable payment out of my own pocket. 
The home is valued at approximately {$370000.00}. The mortgage with Suntrust is only {$83000.00}. My financial interest in this property exceeds that of Suntrust.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023. While I did provide consent for the inquiry in question to get a car, I have reason to believe that I did not benefit from this inquiry as outlined by the Uniform Commercial Code ( UCC ) as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. 
As a consumer, I understand that the UCC protects my rights during commercial transactions, including credit reporting. According to the UCC, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the UCC. 
I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the UCC requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Product: Checking or savings account

While setting up and online payment for property tax for the city of XXXX, CT. I was instructed by Citibank 's website to accept the mailing address in their system. The result of this acceptance the tax payment went to the city of XXXX, IA. There were two separate payments one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX. I request proof of payment from Citibank when I was informed that my tax payments were late. I brought the proof of payment to the controller office in XXXX. There was no information on the proof of payment that would allow the controller 's office to locate the funds. It was with the assistance of the bank manager that we discovered the payments actually was setup to be delivered to Iowa. I contacted Iowa 's Mayor and City Clerk, they could not find any funds matching those amounts on those dates. I went back to the bank manager explaining that I needed the actual bank account or bank name and address so that I could give the City Clerk more specific information. Again I was given a report of the Electronic Transfer without any reference to any account in Iowa. With the bank managers support we requested a funds return due to the funds not being deposited by the correct payee. I was sent a letter that stated it was too late to request the funds be return and that I should contact the payee directly. At this point I reported the transactions as a fraud case, since Citibank was convinced the monies had been transmitted correctly and the payee claimed they never got the funds. I was hoping that a fraud investigation would reveal the account where the funds were deposited. However the fraud investigation concluded the Citibank had transferred the funds correctly and there was not fraud and that if I wanted to get the funds return I would have to contact the payee. The bank manager then escalated the case to his manager but so far no one at Citibank seems to have the skills to investigate their own database, trace the payment and find the account where the funds are sitting,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

1. XXXX  {$10000.00} 2. XXXX  {$3700.00} 3. XXXX  4. XXXX XXXX XXXX 5. Missouri Div Chld Support
Product: Credit reporting

I spoke with Equifax employee XXXX from the XXXX team on XXXX/XXXX/15 around XXXX to XXXX this phone call was recorded so you can go back and listen exactly what he told me. I asked him how do you receive this information from XXXX XXXX XXXX XXXX because they can not verify this information with myself the company does not exist. I was told that the investigation was only that the Collection company had to do was answer yes or no if the collection from XXXX XXXX XXXX XXXX was mine, there is no checking of social security numbers or address etc. XXXX himself said he gets a lot of calls from other consumers stating that this is not believable and more should be done to investigate disputes. Is this how disputes are conducted by Equifax? This to me does not meet the requirements of FCRA 611 ( a ) ( 1 ). Then I started to conduct my own investigation on Equifax and found out they are paid from companies to place these collections, no wonder they do n't want to investigate the accuracy, a simple yes or no is all it takes. I will be filling a complaint on Equifax and the collection company XXXX XXXX XXXX XXXX to the ILLINOIS ATTORNEY GENERAL OFFICE XXXX XXXX to see if I can get help to file a lawsuit or a civil suit on both companies. I will also start a social media page to see if any other consumers have had issues regarding this matter
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit report XXXX  XXXX XXXX : XXXX
Product: Debt collection

This notice is correspondence to a letter received from your company on ( XX/XX/XXXX ) where you state you are attempting to collect a debt of {$720.00} owed to the person CAPITAL ONE N.A. 
I dont have an agreement with XXXX  XXXX XXXX XXXX or CAPITAL ONE BANK N.A that proves my liability to this debt you are attempting to collect and refuse to pay this alleged debt until you or the original creditor provide me with the signed agreement with my signature on it your company has on file. This debt is a direct result of IDENTITY THEFT pursuant to 18USC1028.

According to 15USC 1691 ( c ) Ceasing Communication ; THIS SECTION OF THE LAW STATES- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 

Your offenses to reporting this alleged debt to collections amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). CAPITAL ONE knowingly transferred, possessed or used a means of identification of me without lawful authority which is a felony civil liability & defamation. 

Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule you must CEASE AND DESIST ALL COLLECTIONS ACTIVITY NOW. 


XXXX XXXX XXXX XXXX may not disclose my personal information to any third party for any cause. I am exercising my nondisclosure option pursuant to 15USC6802 ( b ). 

According to USC 6802 Section ( b ) OPT OUT THE LAW CLEARLY STATES THIS FACT. 
( XXXX ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

According to 18USC1028 ( a ) THE LAW CLEARLY STATES HOW YOURE IN VIOLATION ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

If XXXX XXXX XXXX XXXX or CAPITAL ONE N.A attempt to collect this alleged debt not owed further, your company will be liable for all actual damages caused to my family and I.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX