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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry Dates XX/XX/XXXX Delete this unauthorized inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law.

Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately. 
Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Mortgage

I have a VA mortgage with M & T bank. I was struggle to make the payment due to financial issues related to COVID health issues. I reached out to them and was placed in forbearance. I was told that I had the option to do a partial claim when I resumed my payments. The forbearance started with XX/XX/XXXX payment. I am now exiting the forbearance and resuming payments on XX/XX/XXXX. I am now being told that the partial claim option was discontinued in XX/XX/XXXX and I have to make all payments in lump sum, spread out over 6 months or refinance at a MUCH higher rate 3.0 % to 6-7 %. I feel that I was lied to when I entered this forbearance with the goal of upping my rate. I can not afford lump sum or to repay an extra XXXX a month for 6 months or pay a new mortgage payment that is substantially higher than my current. I feel that I would have been better off paying what I could and trying to keep the delinquency less than 30 days until I could bounce back financially. I just think this was deceptive fraudulent practice for the bank to make more money off an already struggling client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My wife and I are trying to trade in our Used Hyundai as part of a purchase for a new car, and Hyundai Motor Finance is unresponsive to requests for our lien release and title. The customer service on Hyundai 's end has been very bad, and they don't seem to be able to confirm or support this request.

We have contacted Hyundai twice by phone and we have still not received the lien release/title. They stated themselves that they are unsure if the lien release/title would be delivered to who we asked it be delivered to ( the dealership for our new car ), and we are incredibly frustrated and how Hyundai 's inability to field a simple request in a timely manner is leading to delays for both us and the dealership. 

We first contacted Hyundai Motor Finance on XX/XX/XXXX, and again today on XX/XX/XXXX. We have not received any confirmations or follow-up related to our request. This is well beyond the 15 day window they initially ensured for timely response. 

Moreover, it's worth noting that their title request page on their website is broken, so other consumers are unable to access this basic function of their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.
Product: Credit card or prepaid card

Credit Card Company : Capital One Date of Transaction : XX/XX/XXXX Name of Merchant : XXXX XXXX XXXX Amount : {$3600.00} I didn't make any purchase from XXXX XXXX XXXX and didn't take into possession any goods or product related to this transaction of {$3600.00}. I only ordered 2 mattress toppers from the merchant name of XXXX while I travelled in XXXX on XX/XX/XXXX and the original scheduled shipment was on XX/XX/XXXX but I canceled the order on XX/XX/XXXX and reported to Capital One to stop the payment on the same date. I also talked to the sale lady to confirm my cancellation on XX/XX/XXXX. As I called the merchant to cancel my order prior to the shipment date, I assumed the matter had been resolved and I am not liable for this payment. As I can't provide the confirmation of my cancellation in writing, Capital One required me to pay for this amount now even though I didn't receive the product. This is very unfair to me that I canceled my order and informed Capital One to stop the payment on the same date of my purchase.
Product: Student loan

In order to finish my college education, ( my father had exhausted the 90 % federal loan borrowing amount ) I had to take out a private loan. I 've been repaying my loan since XXXX 2006 with an initial borrowing of {$18000.00}. 11 years later, my loan is still not paid off and still have nearly 10K to go. To date I 've paid {$26000.00} in total. All things considered it would have been easier for me to drop out of college then to have this loan haunt me my entire adult life. Navient has put me through the wringer with customer service with no clear answers. Education is highway robbery.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX cards cbna on XXXX XXXX, XXXX under the account number ( XXXX ), an student loan account opened at XXXX on XXXX XXXX, XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I started this loan with XXXX XXXX in XX/XX/2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
Product: Payday loan, title loan, or personal loan

I set up recurring payments on this account in the amount {$360.00}, to be drafted on the XXXX of each month. 

Per the authorization I consented to the amount will be drafted either on the XXXX or XXXX day after. 

Recently, this Company drafted the payment amount two days prior to the authorization date. Causing my bank account to be negative. I was forced to pay a {$30.00} stop payment fee with my bank to stop the unauthorized ACH transaction. 

I called upstart and explained the situation. The Representative claimed they could not locate my account and refused to look up my account when I tried to provide the account number. 

This is the second time this CompaXXXX has acted and used unfair practices. 

The first time, they tried saying that they can report the account to the Credit Bureaus as 30 days past due, even though the account was in the grace period of the first 15 days and payment was scheduled to draft long before 30 days. The Representative was on a recorded line. 

At this point l, they have committed theft as they were not authorized to take payment from my account. They were only authorized to draft on the XXXX of the month and per their own agreement they would not draft any sooner than that date. 

When you try to contact them, they are rude and refuse to look up the account. 

The attached picture shows that the payment was set up for the XXXX. 

The second picture is an example of the verbiage used. As you can see, when you set up a payment they state that said payment will be drafted on the day or the day after. Please note, this is an example only. Yes, the date in this case shows XXXX but thats not the point, the point is to show the verbiage used in their authorization form.
Product: Debt collection

Merchant 's Credit Association XXXX I owe medical debt from XXXX XXXX. I had made a payment and was paying it off. I did not receive follow up bills/reminders in mail and Covid had happened which sent us all reeling. 
I had checked my credit report as it had gone down and I was surprised. I did then get a bill in the mail. I tried to pay online and by phone MULTIPLE times but it kept saying my packet number was wrong. Also, the collector did start calling me and we missed one another every time. I had left on the recording the issues with my packet # and not being able to pay through the portal and to please leave me the info on VM if I can't answer. He did not. 
I just spoke with a supervisor ( who was rude ) and was on hold to speak with a higher staff member when I was discounted. The supervisor told me that XXXX XXXX bills can not be paid by phone or web portal. THAT IS NOT LISTED ANYWHERE on the bill nor had been stated AT ANY TIME. 
I have been working on my credit for years and this XXXX $ bill just brought it down significantly when I HAVE BEEN TRYING TO PAY. 
Now, I just spent 20 min on the phone with them trying to get to the bottom of why I couldn't pay by phone nor web and was disconnected. I just left yet another message for the person ( maybe the 10x I've called ). 
I WANT TO PAY THIS BILL. THis should not be reflected on my credit score as payment has not been accessible. The collector who I was speaking to when he asked his supervisor to come speak with me, he sid, " I have a consumer who's hot right now. '' Can you help me? 
* A note that mail in our area has been stolen this past year especially with the homeless situation and Covid. Many issues of theft and burglary. 

Thank you, XXXX XXXX
Product: Debt collection

I have NO Business with this company. They have called 13 times in the last 3 weeks. Here are some of the numbers they call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did the same thing last year and repeatedly called. I told them I have no business with them and never did. Now they are doing the same repeated XXXX. Please stop them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX  submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, The list of Accounts.below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name- XXXX XXXX XXXX  DateXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Date:XXXX, Account name : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Account name : XXXX  Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX Date XX/XX/XXXX, Account name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Date XXXX XX/XX/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 Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit report agency did not help at all, infact made it worst. they are believing the collection agency. even with my proof. the collection agency said we waited so your 5 years mal practice rights are done. Very bad man. Don't owe a penny.
Product: Checking or savings account

On the dates of XX/XX/XXXX, to the present, there have been multiple unauthorized returned check overdraft charges of {$29.00} to my checking account at Navy Federal Credit Union. I have not received any explanation, and I am seeking a remedy for their negligence on the following dates : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was XXXX on XX/XX/XXXX to XX/XX/XXXX and while I was XXXX, a fraudulent account was opened in my name on XX/XX/XXXX with XXXX XXXX. Since I've been out i've been unable to get this fraudulent account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I had a repo back in 2013 and they are still reporting this on my credit. I don't think it fair due that they have the vehicle back. They threatened me about suing constantly calling and etc. I feel like this is very unprofessional and uncalled for. It has hindered me from getting me things like buying my house and other things I am trying to accomplish for my family
Product: Credit reporting or other personal consumer reports

I have been disputing these three companies since repeatedly, sending in dispute letters. XXXX  XXXX XXXX/Early Warning Services . Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which XXXX XXXX XXXX alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.
Product: Bank account or service

JP Morgan Chase and XXXX XXXX in the Executive Offices are being uncooperative and refusing to provide me with the names of everyone who has ever looked into my account, who their supervisor was/is, and who the regional manager was/is. 
Why these employees looked into my account, the dates they looked into my account, and who the regional manager was/is for those people. This is my account and I have every right to know who has been searching my personal/private financial account records. 
XXXX XXXX will not return my phone calls.
Product: Credit reporting or other personal consumer reports

Experian again XXXX complaints with absurd explanation that has absolutely nothing to do with the problem
Product: Debt collection

In regards to Account Resolution Account # XXXX I understand they said they mailed the proof of validation to me but I just recently found out that someone was stealing my mail. I would like proof of validation. If possible could it be sent via mail and also uploaded in the company 's response. A clear break down of the fees and charges. Not just a bill with my address but a clear breakdown of the alleged charges. Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my information to you. I request full documentation of what you have received from the provider of service in connection with this alleged debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.