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

On Sunday XX/XX/XXXX, I logged into XXXX which allows me to look at credit reports from XXXX  and Equifax. I noticed errors on my Equifax report and I clicked the link to file a dispute. This bounced me over to an Equifax web site to log into my credit report and submit the dispute. When this happened, a new window opened that did not allow me to click the back button and there was no navigation buttons in the web form to allow me to go to various parts of my dispute. I had entered information and when I clicked next, the characters in my statement changed to nonsense, ( example :? / ' & XXXX # & % : { |+ ) I tried to go back to fix it, but the form broke. I received an error message that information had to be resubmitted in order to complete the form. I went back to the beginning and started again. I am no longer able to log into my report. It tells me to call Equifax support every time. I had to wait until Monday. I started with the chat feature for support. The person chatting with me told me that the dispute system was down and that I should call or submit my dispute by email. I said no, that I wanted to wait until the system was back up. He couldn't give me any information about whether or not it would come back up. I called the XXXX number and spoke to someone who couldn't confirm or deny whether the site was working. He started to take my dispute by phone. They are not allowed to share any information with me once I am chatting with them. So, the agent couldn't even confirm that they were taking notes about the correct account. Example, I'd say, " I'm referencing this XXXX account opened in XX/XX/XXXX, do you see that one? '' and the agent would say that they can not share any information. I've had multiple accounts over the years with the same companies. How do I now, the agent and I are talking about the right one and my complaint will be taken correctly? They can't corroborate any information and there is no way to view the information online once you're locked out. I then asked how to send supporting documents. They told me, I could fax them, " If you want, '' to use the exact words o the agent. I don't have a fax machine. It's XX/XX/XXXX, most people upload or email documents as PDF 's. I worked in XXXX for nearly 2 decades and I assume that when the session broke on Sunday, my account was locked out. I asked if it could be unlocked and they won't tell me anything. They support department is separate and they don't take phone calls. How is this serving the consumer? I want this bad data cleared from my credit report in a timely manner, so I can apply for credit on MY schedule. What if I wanted to buy a house in the near future? Equifax ' web implementation is inferior to that of any other major corporation and I surmise it is in an attempt to deter the consumer from being able to submit disputes which should be illegal. Equifax should be forced to update it's procedures and software in a more consumer friendly manner.
Product: Mortgage

my COMPLAINT IS WELLS FARGO HAS REFUSED to HONOR OR RECgonize REGULATION Z AS IT RELATES TO AN HEIR being place on a existing loan mortgage. I AM THE ONLY HEIR TO MY MOTHERS PROPERTY that was left to me via her will i am the executor of her estate and have met with nothing but lies and deceit from wells fargo loan number XXXX. Their stone walling has but one intent and that is simply to drive the home to foreclosure
Product: Credit reporting

I have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ XXXX/XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request further assistance regarding the XXXX XXXX XXXX account listed on my credit report with a balance of {$590.00}. Despite several attempts to dispute this account through Equifax, I have received repeated denials, with the explanation that the account is being verified as accurate. 

I initially filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the case was closed with Equifax verifying the account as accurate. However, the issue at hand is not the accuracy of the account, but rather that the original creditor, XXXX XXXX XXXX, has requested the removal of both accounts associated with them from my credit report. One of these accounts was identified as fraudulent, and XXXX XXXX XXXX could not locate it in their system, while the other, with the {$590.00} balance, has been sent to collections. Despite this, XXXX XXXX XXXX remains the original creditor, and they have issued a letter confirming their request for both accounts to be deleted. 

As the original creditor has made this request, I am asking for your assistance in ensuring that both accounts are removed from my credit report in accordance with their request, even though one account has been sent to collections. 

I kindly request your prompt attention to this matter and look forward to its resolution. 

Thank you for your time and assistance
Product: Credit reporting or other personal consumer reports

I had auto pay set up for my car payment, I guess it did not go through and I did not realize at first. Once I realized I called in and they could not figure out why it did not work, and could not figure out how I could set up a payment as my bank account that was already added was not showing up and would not let me add it. They then set up an ACH payment and promised it would not be reported to my credit. The XXXX went through, and then a day later came back out and they said it was XXXX days late. I called and they said XXXX denied the payment, I do not have XXXX and I never said I did. I provided my bank accounts account number and routing number. They said it was just a typo but I do not know how that would be a typo, I think they made a mistake. I then made a payment over the phone with my debit card ( which includes a fee which is why I did not do that previously ). When I checked my credit, it is down XXXX points. I asked to speak to someone and they said actually the report it after XXXX days ( they previously told me XXXX days and said they would not put it on my credit since I was trying to make the payment ). They said there is nothing they can do and when I got their XXXX their XXXX said they are submitting a request. They also said they sent me a text letting me know the payment failed, which they did not. They said they sent out a letter though, which take at least a week to get to me so it wouldve been way to late either way. They then said my bank should have let me know the payments were being denied and that I did not have sufficient funds, my bank does not have anything showing that. My bank also has overdraft protection and pulls directly out of my savings if I go over my limit on my checking account. I also have had sufficient funds the entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX remains in violation of 15 U.S.C. 1681g. This is a dispute against " HYUNDAI MOTOR FINANC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY Trade : HYUNDAI MOTOR FINANC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information currently reported is inaccurate, false, and incorrect. XXXX ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and complete credit reports for consumers. Reporting a business account on my personal credit report violates this statute, as it inaccurately represents my credit history. 2 ) Uniform Commercial Code ( UCC ) establishes that a personal guarantor is not personally responsible for the debts and liabilities of a business. As such, the business account auto loan registered to the business should not be listed on my personal credit report. 3 ) Violation of FDCPA Section 809 ( a ). I was a personal guarantor for a business account auto loan where the car was registered in the name of the business. I have attached the registration showing the business name on the registration. The business and its assets are separate from my personal credit report, and therefore, this account should not be reported on my personal credit report. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes concerning the information on my credit file. I am being told that is it factual. I do not know some of the creditors listed on my credit profile. I do not have an open line of credit listed in which I am paying. I will attach a letter that outlines my complaint in greater detail.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My recent credit report is showing an unauthorized inquiry from XXXX XXXX XXXX XXXX on XXXX. This unauthorized inquiry has not only dropped my credit score it is stopping me from being able to utilize my credit to its fullest potential. Transunion credit reporting agency is the only reporting agency that is reporting this unauthorized inquiry without my authorization or a permissible purpose under the 15 USC 1681 FCRA ( Fair Credit Reporting Act ) and its guidelines for permissible purpose. 15 USC 1581 section 2 states I as a consumer have a right to privacy. This unauthorized inquiry needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.
Product: Debt collection

I received a snail letter collection for a dental bill from a dental office i was never seen at there is no XXXX XXXX and the phone number is fake I even researched my dental claims threw XXXX XXXX no claim or office claim date who ever is claiming I owe is a scammer and is committing identity fraud i will be contacting the FTC and filing a consumer report there is no valid proof i ever saw this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  Account # the companies below has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c1681 section 602 A . States i have the right to privacy.

15 u.s.c1681 section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

On XX/XX/year>, I received a letter stating that I had applied for a capital one Credit card. The application ID is XXXX. Capital ones address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never applied for a capital one credit card. 

This was a fraudulent attempt. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. XXXX ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.
Product: Mortgage

I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

notified by XXXX  that there was an inquiry Inquiry was from company named " Comenity Bank '' Contacted Comenity Bank and was informed that they did not run credit report Contacted XXXX   again and they confirmed that Comenity did, in fact, run an inquiry I have no knowledge of Comenity Bank and am worried that fraud may follow. 

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

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Product: Credit card or prepaid card

Someone had opened a credit card under my name on XXXX XXXX XXXX  and made four transactions ( XXXX XXXX  XXXX. Bass Pro, XXXX. XXXX XXXX, XXXX. XXXX XXXX ) and racked up {$730.00} worth of charges. I'm assuming the same person also made a fraudulent account with XXXX XXXX using my name as well, racking up over {$3000.00} in charges. I never applied for these accounts, made these purchases, nor did I know anything about this until I received the bills in the mail. 

I immediately called Capital 1 and let them know about fraud.
Product: Mortgage

Thank you taking the time to review my application. 
I have attached 2 letters to this file to include the detail in my matter. 
The essence of the problem is Wells fargo lacks follow up and follow through. I have been trying for over 9 months to resolve my mortgage with Wells fargo following a forbearance program tied to loss of employment due to Covid 19. While I was able to complete the process on my first loan, the company has not been forthright in supplying accurate information on the second loan. Both of my mortgages are up to date -- However Wells fargo wants to increase my rate to 3 % instead of modifying the loan.

I have spent over 100 hours speaking to multiple people only to get the run around. Several of the representatives contradicted each other, and were very condescending.

I am also finding the information I receive on the phone is completely different from the letters I receive in the mail from the bank. In fact they are conflicting messages. I feel this is done to intimidate me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb National Credit Cards/Airlines has made 2 hard inquiries on my credit. 
1 is from XXXX XXXX the other XXXX XXXX. I have not applied for credit anywhere on these dates. I need these removed from my inquiries. I already have credit cards & I do not fly anywhere.
Product: Mortgage

I acquired a loan on an RV with Alliant Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Phone XXXX ) in XXXX of XXXX. Since that time I have made XXXX payments on the loan including the latest, XX/XX/XXXX. 

The paper statements I have received for the loan do not seem to accurately reflect what should be paid to principle and interest- they do not follow any amortization table, given the specifics of the loan. 

I have tried repeatedly to contact Alliant Credit Union and have not had any success in getting them to explain to me what they are doing with the payments- except for them to say 'the money is applied to interest first and then any left over is applied to principle '. 

This does not make sense, again, given what the loan interest rate and payback period is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

On XX/XX/XXXX got laid off due to COVID 19.Reached out Servicing N Servicing Corp which is mortgage company and applied for COVID Hardship for mortgage. I filed for unemployment it took 4 mths before I received my unemployment. A month later did follow up with mortgage con they stated due to so many people being effect it might take up 2 mths before I get an answer. In XXXX that sent me a letter that I approved for 3 months deferment and then when XX/XX/XXXX I would have to pay those 3 months but from my understanding I thought the 3 months were to be added at the back end of my mortgage.Since then XXXX approved to help me they paid 1 month mortgage of {$840.00} which they just received on XXXX XXXX. Since then I contacted them and have made 3 payments and she informed that they went on my Mortgage XX/XX/XXXX and we still in Covid 19. But every statement they sent me says to pay {$840.00} until XX/XX/XXXX the new mortgage payment is {$1300.00}. I do have documentation to back up. I also applied for loan modification which was denied on XX/XX/XXXX. I spoke with XXXX XXXX XXXX which is my mortgage specialist last week even though I have making payments of {$870.00} she still say I owe {$1300.00} While i waiting to hear back from them I made a payment of {$500.00} on XX/XX/XXXX, XX/XX/XXXX $ XXXX {$850.00}, XXXX sent ck XX/XX/XXXX {$840.00}. I'm still unemployed  and I don't understand how they went up on my mortgage $ XXXXI 've attached documents. Please help.Sent Maryland Executive order from XXXX XXXX to them just as well .I have been in my home for 25 years and wish to keep my home for me and my family. THank you
Product: Debt collection

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit card

ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this.
Product: Credit reporting or other personal consumer reports

I dispute the inaccurate reporting of my Comenity Bank/Express account XXXX Inconsistencies : Charge Off/Pays As Agreed, missing purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. Comenity Bank and XXXX are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.