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

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a complaint to XXXX XXXX on XX/XX/18 about an account open on XX/XX/2018 which showing my loan balance in incorrect should be XXXX and i would like for it to be corrected or deleted from my report.i understand that they have 30 days to response to my letter before its a violation of the law.
Product: Credit card or prepaid card

I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in  XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.
Product: Credit card

There was fraud on my credit cards but they refused to listen or remove the balances. Now I am homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$210.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called and spoke with in agent on XX/XX/2023 regarding account # XXXX with XXXX XXXX. There is a note " CONSUMER DISPUTES THE ACCOUNT INFORMATION ''. The agent said the comment would be removed in 48 hours. I then received report # XXXX stating the comment was removed and shout show correct on my next report. My credit was pulled by me and a financial institute and the comment was still there. I have since called back 5 times and gotten hung up on by 3 agents and excuses that I could not be verified by submitting my ID and answering all question by the agent over the phone. ( as I have done before ). I also have been instructed to send copies of my ID and verification of address. I did not have to provide this information during the initial contact for this issue. Now that they have messed up all of sudden they can't discuss with me because my identity can't be verified. I believe it it a stall tactic. Since the initial contact the home I have been trying to purchase has increased by {$3000.00} and the interest rate has changed. So, the lack of follow through by Equifax has costed be upwards of {$3000.00} so far. The truth in lending act protects me from inaccurate, erroneous statements being reported to my credit report and can also be the basis of me being awarded monetary damages that resulted as inaccurate information. I am first of all demanding this account be deleted from my credit report and I am requesting {$3000.00} in damages for the long drawn out resolve to this minor issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night I was on XXXX XXXX and my credit scorXXXX was at a XXXX for XXXX and a XXXX for XXXX. To make sure that I was looking at the credit raise and to ensure that it was indeed mine I checked all the accounts to makes sure that it was all mine and all information was correct. I even logged out and logged back in to make sure I wasn't losing my mind. I saw that my payments for my student loans had decreased by overall debt balances and so I was on a great track. Then, suddenly within an hour 's time I logged in the XXXX XXXX again to show my husband that my score had been raised and my score was no longer at a XXXX for XXXX  and XXXX for XXXX but at a XXXX and XXXX and there was no reason given for the change that had just took place. There was no added inquiries nor new information about a collection added or anything. This is highly upsetting due to the fact that my husband and I are trying to purchase a home and I have been trying to working on my credit for the past 5 years. I am finally in a place where my credit can reflect that and I thought all of my hard work paid off. XXXX XXXX has done this to me before and I can not call them to and it takes two to three business days for a support representative to reach back out about this. I need for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.
Product: Credit card or prepaid card

Elan Financial Services Card through XXXX XXXX  has not been providing me with proper paper or online bill due notifications. The last payment I made with them, according to their records was on XX/XX/XXXX for my XXXX payment. I checked my balance multiple times over the course of the month to pay for XXXX due on XX/XX/XXXX. I never received my statement showing the balance due on XX/XX/XXXX and the amount. Instead I received a statement showing past due as of XX/XX/XXXX. I have checked the account multiple times in the span of 2 months and it always had my balance showing as {$0.00} due. Now all the sudden I go to make XXXX 's payment and I am XXXX days past due, my credit line has been cut, and now I have a mark on my credit report because this company can not update their systems online accurately. I never received so much as a call or inquiry or any email or paper notifications advising anything was due. The reps with them have not been helpful at all in rectifying this issue. I made a double payment today and they are still refusing to reinstate my credit line, remove the late fee, or take the 30 day past due off my credit. I am very upset that this financial institution has treated me this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello yes, my name came up in CheckSystems again for a amount that I have sent the required fee to have this former account closed as stated. It's with XXXX  XXXX XXXX a older checking account dated XXXX. I have paid their collections department before being notified by Check systems and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in CheckSystems report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, DISPUTE STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified mail to have the XXXX Account # XXXX {$360.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019 and a follow up letter was mailed after waiting 45 days. This account is still showing up on my credit report as of today XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live on XXXX XXXX florida. my home was damaged by IRMA XXXX-17 my mortgage THE MONEY SOURCE company offered me government supported FHA Disaster-related Special Forberance program. they offered me 3 months of NO payments with no reporting of the lateness of the 3 months. I took XXXX XXXX XXXX no payments used that money to cover the deductible of my wind insurance to repair the home they hold the mortgage on. {$8800.00} deductible. in their written letter they stated the next payment was due on XXXX17 .... 
.they emailed me on XXXX17 my account was going into foreclosure for being 90 days late. In there written proposal it states my regular payments will reassume in XX/XX/2017 ... .I made the payment by phone XXXX-17. I called them first week of XXXX and asked for an explaination I did what they said made they said I was still 3 months past due and they were sending mr specific instructions on how to get back in GOOD Standing with THE MONEY SOURCE.. they mailed me a plain to make 3 monthly payments by cashier cheks and after that they would reconstruct my loan to change the balalnce to reflect my balance plus XXXX I signed and restarted my loan. Through this whole process they reported me over 90 days late 5 months ... .KILLED my credit score
Product: Debt or credit management

I was charged on my XXXX credit card by Experian XX/XX/year> for {$21.00}. I tried calling and going online for help several times, to no avail. All was automated, not able to talk to a real person. I now know from researching them this is their usual MO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting of bankruptcy on credit reports. 
I understand it's public record but why is this on my report and keep receiving decline of credit? Can't even open bank account?
Product: Checking or savings account

My direct deposit has not been deposited into my checking account. Its a 2 hour phone wait and I only have {$5.00} in my account with all my bills being returned. Capital One has only sent one email that they have an issue with a third party vendor. That doesnt pay my bills or now my late charges. My deposit should have posted on Thursday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Product: Vehicle loan or lease

They have broken consumer laws from the beginning of the loan. They have broken the law with 25 CFR 11.417 which is extortion I was charged a down payment.

They have broken 18 USC 1348 undisclosed finance charges. Gap insurance was also in my contact as well which breaks law 18 USC 1033 ( B ) They are not legally authorized to sell insurance.

Which is also Identity Fraud according to 18 USC 1028. Additionally they illegally reposted my vehicle which according to that falls under 15 USC 1692 F unfair practices and USC 15 6802.

They also committed identity theft by taking my personal information and giving it to a third party being the repossession company without my knowledge or permission. I am seeking all money paid to them and the auto place I bought the vehicle from plus damaged and this immediately removed from my credit report that has damaged me by being denied credit. I am also requesting the original promissory note as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

CAINE & WEINER {$930.00} past due as of XXXX XXXX. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V.Gravens ( MO ) 281 SW 715.719.

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8, L owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Product: Debt collection

4 calls today XX/XX/2023 9 calls yesterday XX/XX/2023 14 calls over the weekend XXXX multiple weeks of this.
Product: Credit reporting or other personal consumer reports

An account older then 7 years appeared on my report XXXX XXXX, and equinox knew there was no permissible purpose for it
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Vehicle loan or lease

They took the car about 10 months ago or so and I had personal items in the car we did not no that they we're coming to take the car because my husband called them to let them know that we would make a payment but they did not want to wait and I feel like this repo should not be on the credit report because we had a payment plan and the company was receiving the money yeah it was not the whole amount but we did let them know when we could make a payment and they just came and towed the car
Product: Checking or savings account

XX/XX/XXXX A charge appeared on my credit card for {$350.00} in XXXX XXXX and {$5100.00} was transferred out of my checking account. All that was taken care of by Navy Federal Credit Union. My account was on hold for XXXX hours. 
XX/XX/XXXX After XXXX hours I changed my password and XXXX minutes later I received a call from Navy Federal asking me if I knew a person by the name of XXXX. When I said, " no '' he said well he tried to take {$500.00} out of your checking account. I was put on hold for XXXX minutes while the rep was talking to the Fraud Dept. When he came back on the line he asked me if I had just deposited {$10000.00} into my account. When I replied, " no '' he said it was a fraud deposit and I had to transfer the {$10000.00} to XXXX XXXX, the Fraud Manager. I did as instructed. 
XX/XX/XXXX I checked my Navy Federal Account and found out a personal loan was taken out in my name for {$10000.00}. I immediately call Navy Fed and they had me fill out paperwork to prove it was a scam. The IP address on the loan application was from XXXX, XXXX  and I live in XXXX 
XX/XX/XXXX Received a letter from Navy Fed saying they denied the claim and I was responsible for personal loan. When I called the credit union, I was accused of being complicit in the scam and I was spoken to in an extremely rude and condescending manner. I have been a member there for over XXXX years, now I am being accused of being complicit in the scam. 
XX/XX/XXXX I went into a Navy Federal Branch in XXXX, XXXX  and a young man filled out all the paperwork and took all my documentation and sent it to the fraud unit. He said it definitely was a scam and when he called the Fraud Unit they agreed with him. Since then I have called Navy Federal and gotten the run around with no answers to this scam. 
XX/XX/XXXX I was told claim had not been assigned yet. 
XX/XX/XXXX XXXX first told me XXXX appeal denied, then said he made a mistake and they were still looking into it. Had me send him all the information again. 
XX/XX/XXXX I was told that they did not receive any documentation and now to resubmit it, which I did immediately. I was also told I had to pay the scam loan, first payment was due XX/XX/XXXX, or I would be sent to the collection agency. 
XX/XX/XXXX It has now been almost XXXX weeks with no action from Navy Federal except the run around. Every time I call I get a different person with a different answer. When the fraud loan was taken out my credit score went XXXX  XXXX points from XXXX to XXXX. I have now had to make a payment on that scam loan or it would drop even farther and I would be sent to a collection agency. I am very close to hiring an attorney to sue Navy Federal at this point.
Product: Student loan

I requested a school misconduct application from Navient as my federal loans were discharged through the Sweet v Cardona lawsuit. I filed it on XX/XX/year>, on XX/XX/year> I received notice from Navient that they couldn't read the faxed application so I resubmitted via email on XX/XX/year>. On XX/XX/year> I received a denial letter from Navient stating " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ". I would like a thorough explanation as to why my application was denied if my federal loans met the necessary criteria. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the CZU fire in XXXX California, which was deemed a state of emergency by XXXX XXXX XXXX. 

I was displaced from my home since XX/XX/XXXX. My home did not burn but I was was without electricity and water for several weeks and my house had severe smoke damage and my house was not habitable. My animals and I have been traumatized by the fire. I also suffer from XXXX and this situation is making my mental health situation worse. 

US Bank granted me a 6 month forebearance and I was to begin making payments on XX/XX/XXXX. During the 6 month time frame I called US Bank to ensure that everything okay with my loan and to ensure that my excellent credit would not be adversely effected. I had not heard from US Bank during the forebearance. I was finally contacted by my relationship manager, who told me that US Bank would defer my missed loan payments ( due to the approved foreberance ) to the maturity date of my mortgage, meaning add the those missed payments to the end of my loan. 

I was shocked when I received a credit notification from XXXX XXXX that my credit score had dropped by XXXX points. 

Here are the facts : - On XX/XX/XXXX my XXXX  credit score was XXXX - On XX/XX/XXXX my XXXX  credit score fell XXXX points and is being reported as XXXX - on XX/XX/XXXX, I called US Bank and explained the situation. Everyone that I spoke with told me that this should have never been reported as being late. They were just as shocked as I was ... 
- I have continued to call to try to get this resolved and even spoke to a supervisor who was very unsympathetic and told me that yes indeed this should hav not been reported to the credit bureau 's but that there was nothing that he could do to fix it ... I have tried numerous times to try to get this resolved and am not getting anywhere. 

I have decided to sell my house and and am trying to rent or re-purchase a new house and because of my XXXX XXXX I am going to have a hard time purchasing a new home or even being approved to rent a home. 

I ask that you please help to restore my credit back to the way it was before XX/XX/XXXX. Please let me know if you have questions or need more information from me. 

Thanks in advance for your help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud other platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.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 convictions 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.