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

Transuion XXXX and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
Product: Payday loan, title loan, or personal loan

After falling on hard times and not being able to complete the original terms of the loan, I was able successfully complete a settlement agreement with NetCredit in 2019.
Product: Credit card or prepaid card

I pay cash at Sams Club., I withdraw my money from bank. , drive to Sams and pay full balance, the Sams MasterCard is associated with Synchrony bank. I get the associated bank with Sams header on it that the balance is due and it appears that an additional use of it since last statement has been added. More than {$500.00} and second statement has come in with {$75.00}, I have not gone into the store except to explain. The previous time was when I had needed to use my personal XXXX  MasterCard, not MasterCard associated with Sams and Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to Transunion, XXXX  and XXXX  with XXXX resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly called and written XXXX and Experian about fraudulent inquiries on my credit report and they refused to address and or remove them. 

XXXX : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK. XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN is permitting soft inquires by others while my report is under a security freeze since XX/XX/2022. I have previously asked this company for a reason and explanation for permitting the soft inquires and they have not answered. This is in violation of the FCRA.

I have simplified my questions to yes or no so the company can easily answer.

Are the soft inquiries for the purpose to establish the illusion of debt owed by me?

yes or no Are the soft inquiries for the purpose to establish that I have a business contractual relationship with these entities and agency?

yes or no Are the soft inquiries for the purpose to establish a global cross link data sharing and social credit score in the US similar to XXXX 's? ( related to the SSA 4 inquiry ) yes or no Did EXPERIAN get permission to allow the soft inquiries? 
yes or no if yes then who gave it? 

Is there an opt out or procedure for me to revoke my permission for your credit bureau to report on me? 
yes or no
Product: Credit reporting or other personal consumer reports

Per my previous CFPB XXXX # : XXXX In which I disputed the following accounts that are inaccurate : XXXX. ) XXXX XXXX - Account XXXX : XXXX. 
XXXX. ) XXXX XXXX - Account XXXX : XXXX. These accounts are not complete and are still showing as inaccurate. Also, according to 15 USC 1681s-2.

I disputed this account and nothing was sent to me to legally verify this account.

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the 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 In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the 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
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
Product: Mortgage

The company offered me 3 months on time payment s then they would send the fha paperwork to put the fha forgiveness for Covid in the back of the loan. So I paid 3 on time payment s and the paperwork never came. Everytime I call midland Representative they say just wait. Yesterday I got a bill for XXXX and it gave me to XX/XX/XXXX to pay the XXXX. I have been paying. When I call customer service no one knows whats going on. Its making me nervous and XXXX, I got 2 XXXX  kids and an elderly mother depending on me. I cant sleep at night. Please help me and get to the bottom of this I will be grateful.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and observed an account that was not reporting accurately. I was paid on time for an account that had three late payments. The consumer reporting agencies are required to report all information with the utmost precision. I have attached a copy of my report to this company covering the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All payments were made on time, and this account was not late. I am now requesting that you investigate this account and promptly update these payments to reflect timely payment immediately. The XXXX credit report for the account is enclosed, which demonstrates the inaccuracy of your report. Your prompt action and comprehension are greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX i start disputing these accounts they have not completed investigation, accurate, fair credit act I have uploaded all the information to the website the XXXX, the FTC identity theft reports the police report
Product: Mortgage

I received the loan in XX/XX/XXXX and paid it off in XX/XX/XXXX. When I called to get the payoff I was told I would be charged a {$30.00} fee, which would be added to the amount I owed, to get the payoff figure. I called my loan processor to question this and he said it was probably the fee to have the lien released. When I called the mortgage company back I was told there was a separate fee to release the lien and the {$30.00} was for them to provide the payoff balance. The {$30.00} is listed in the payoff statement as a " statement fee ''. There is no mention of this fee in my note. I can provide copies of my note and the payoff statement if necessary.
Product: Student loan

While my loans were serviced by Navient, I decided to consolidate my loans as I was already working for a government agency. The consolidation of the loans included a XXXX XXXX XXXX and Navient failed to educate and provide information regarding the negative effects of the consolidation including the XXXX. Currently, 20 % of my income is used to calculate my repayments. I will like to separate the XXXX XXXX XXXX from the consolidation loan so I can qualify for all the repayments programs available and lower my payments. This is what Navient intentionally failed to warn me about. Please advice.
Product: Checking or savings account

On XX/XX/year>, I ordered XXXX XXXX XXXX game from an advertisement I came across on XXXX from the website www.battleputt.co. I placed the order for the XXXX items as it was a buy-one-get-one deal advertised on the website for {$59.00}. 

On XX/XX/year>, I received an email confirmation that my item ( order # XXXX ) had shipped via XXXX with tracking number XXXX ( can be found using XXXX XXXX ). 

On XX/XX/year>, I received the XXXX XXXX which was a small XXXX inch padded envelope that did not contain any of my items, but a piece of advertisement. I have been scammed and went to submit a charge-back claim with my bank, Bank of America XXXX The claim number from Bank of America is XXXX for the account ending in XXXX. On XX/XX/year>, I am following the claim status and see that the merchant 's transaction disputed my claim and Bank of America is following up. In the status update, it is noted that I have no actions at this moment and that the XXXX and their bank has XXXX days to respond. 

On XX/XX/year>, my charge-back claim was denied and closed by Bank of America since my order was fulfilled by the Merchant and was able to provide a tracking number. They used the guise of a tracking number to hide their nefarious intentions - I am providing pictures of the envelope that was sent to me instead of the items advertised and the resolution Bank of America provided on the claim. 

Additionally- shortly after I placed the order on XXXX, the website is no longer accessible. I also don't see how you can package XXXX XXXXXXXX XXXX sets into a single tiny envelop.
Product: Debt collection

XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter XX/XX/XXXX XXXX XXXX  to capital one requested all information pertaining account ending in XXXX. In the document below. I asked them to do a full investigation, and to the amount that they claimed that I owe unfortunately Capital One failed to give me any valid information in regards to the amount, and the breakdown of the amount. There is no break down to how much they get to the amount that they a ledge that I owe. I firmly believe capital one is reporting and accurately and unfairly on my account. I never gave capital one personal permission to share any of my credit, history or alleged amounts with any credit union or third-party creditor or third-party credit reporter.
Product: Credit reporting or other personal consumer reports

I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.
Product: Credit card or prepaid card

On XX/XX/2019, I purchased two items from the duty free shop in XXXX XXXX using my Bank of America Travel Rewards credit card. Total amount for the transaction was XXXX euros. I have the receipt as proof. With the exchange rate at the time, it came to about {$410.00}. However, my credit card was charged {$470.00}. So I disputed the difference, which is {$61.00}. 

During the dispute process, the merchant provided Bank of America two receipts. One for XXXX euros ( the one I also have ), and a second receipt that I was never made aware of at all and for a different amount. Based on that second receipt, Bank of America decided to rule in the merchant 's favor. 

As mentioned above, I was never made aware during the sale that I would be charged a different amount than that of the receipt originally provided to me ( for the XXXX euros ).  Furthermore, I don't understand why Bank of America isn't concerned that two completely different receipts are being provided to them from the merchant, and Bank of America is only going to consider the second receipt when making their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion  continues to charge me {$14.00} for and account that I have not logged in for years and they licked me out of.
Product: Debt collection

Torres Credit Services is attempting to collect on a debt that I do not owe to them. I 've never heard of this company or done any business with them.
Product: Debt collection

ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the best buy store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is best buy and deb collector are call XXXX XXXX XXXX XXXX there account CITIBANK , N.A . / BEST BUY account the amount balanced $ {$2500.00}
Product: Vehicle loan or lease

XX/XX/XXXX, XXXX XXXX XXXX sold to my ex-husband, who is not a US citizen, from XXXX  XXXX XXXX XXXX XXXX after denying to sell me a new XXXX XXXX. I was denied due to insufficient credit and low income. I was told that i did not make enough money to afford the car payments. I was adamant that i did not want the XXXX, as it had a low depreciation value and not what i wanted. i was informed by the dealership that, even though we were not married at the time, i had to sign the paperwork to ensure that i could contact the finance company if there were any issues with the car loan, as my ex husband was not a citizen and he had to go out of the country to visit family, etc. I did not question this as i had done it before, numerous times, with my previous husband, who was a servicemember. My ex husband made over $ XXXX. I made $ XXXX and had 3 children and 1 grandchild i was responsible for. 

XXXX, XXXX my ex husband lost his job, leaving the responsibility of the {$620.00} car payment squarely on me. 

XXXX XXXXGM Financial started calling me in regards to the late/missing car payments. i started asking them why they were calling me and not my ex husband, as he was owner of the vehicle. Their response to me was that they could not reach him and that's why they were contacting me. From there, i paid what i could, as, again, at that point, im now supporting a family of 6, on a salary of $ XXXX, and paying rent in 2 different states, for a vehicle that i NEVER wanted, stated i did not want, and never knew that i had signed into a binding agreement for. 
XXXX, XXXX, GM Financial calls me and asked me what my intentions were for the car. i stated that i was going to sell the car. By then, the car payments were almost 2 months behind and i was living in OH. That night, with no warning, GM had the car repossessed. The next morning, when i noticed the car gone, i called the police and reported it stolen. The police contacted me back and told me that it had in fact been repossessed. As soon as i informed GM my intentions for the car, they repossessed it. .When i called them to inquire why didn't they allow me to turn the car in when i asked months prior, they stated that i could get the car back if i paid what i was overdue, plus the repossession fees. i declined. i received a letter almost a month or so later, informing me of an auction, and what i could do to stop the auction. i did nothing to stop the auction. 

During this time, my ex husband received no notifications/calls from GM Financial in regards to this. i believe GM did not bother reaching out to him in regards to this debt and saddled me with it because he was not a US Citizen. i also believe both GM and the dealership conspired against me to make this sell, due to this same reason, even though the dealership had already admitted to my not being able to afford a car payment of over {$500.00} due to my credit and familial obligations. 

When GM first reported this debt on my credit report after the repossession, they reported it with a balance of {$0.00}. In late XXXX, they changed that balance to {$13000.00}, after i purchased another vehicle.
Product: Student loan

Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make {$800.00} a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for almost two years. I am not trying to avoid paying my loan off, I am trying to avoid not being able to afford marriage, children or buying a house before I am XXXX and already close to retirement. All I want AES to do, is to lower my payment, which is now almost 30 % of my monthly income, soon to be close to 45 %, and/or give me another temporary " hold '' on my loan payments to allow me to catch my breath at least.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX