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

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, COMENITYCB/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX : XXXX, XXXX of XXXX XXXX. There is no 3rd party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX  XXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!
Product: Mortgage

FINALLY GOT THEM TO AGREE TO CHANGING FROM AND INTEREST ONLY FOR 10 YEARS NOTE TO A CONVENTIONAL LOAN. INITIALLY THEY AGREED TO INCLUDE ALL ACCOUNTS INTO THE LOAN, THEY THEN LEFT ONE OUT AND WITH OUT MU KNOWLEDGE THEY HAD ME SIGN PAPERS AND COMMITTING THAT IT WAS STILL IN THE NEW LOAN. THE THE ONE THEY LEFT OUT THE ERRONEOUSLY DEDUCTED IT FROM MY ACCOUNT WITHOUT MY KNOWLEDGE, CAUSING AN OVER DRAFT AT THE END OF THE MONTH. MANAGER LAUGHED IT OFF SAYING WAS ONLY A YEAR LEFT ON LOAN ANYWAY! THEN THEY ASSIGNED IT TO XXXX XXXX, THEN THEY NOTIFIED ME. CALLED XXXX XXXX, THEY HAD LITTLE KNOWLEDGE OF THE ACCOUNT. XXXX XXXX ASSIGNED IT TO A MORTGAGE SERVICE COMPANY, CALLED THEM AND THEY IDENTIFIED THEM SELF AS A MORTGAGE COLLECTION AGENCY. IN THE BEGINNING I HAD THE BANK SET UP THE ACCOUNT AS AN AUTOMATIC ELECTRONIC DEDUCTION TO BE TAKEN OUT ON THE FIRST WHEN I GOT MY VA XXXX CHECK ELECTRONICALLY DEPOSITED! THIS A XXXX XXXX XXXX ' ON THE PART OF THE BANK AND XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX BANK : IBERIA BANK XXXX, LA. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I've noticed inaccurate reporting of personal information. 

Name, Address, date of birth
Product: Credit reporting or other personal consumer reports

Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and 'LATE ' account. 

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.
Product: Debt collection

OPPORTUNITY FINANCIAL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX {$0.00} Highest Balance $ 1200 XXXX  payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In XXXX Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured loan Responsibility Individual Remarks Payment after XXXX XXXX XXXX profit and loss Consumer Complaint Paid through collections, and the debt is still reporting as collections.
Product: Mortgage

After providing all the documents Nationstar Mortgage LLC asked for a few times over they told the company who helps to modify my loan that I am not qualified. They said if they were to qualify me my monthly payments would be over {$8000.00} a month! That means I have to make over {$24000.00} a month to be qualified. My payments before the hardship was less than {$4000.00} a month and I do n't know how do they calculate in order to come up with such a number. I called and they said the new loan is based on remaining years on the loan with fully amortized. I have heard that banks and servicers offer 40 years with low interest. 
The other problem is when I sent them my income and stuff they still think I do n't make enough money to qualify even for {$4000.00} I was paying before. I do n't think they have all the facts and are not applying correct numbers I sent to them. 
I still do n't have a final letter of denial in writing from them to me but just a note to the law firm who is representing me. I am wondering and scared they may go directly to foreclosure without giving me the chance to appeal and or send my income again because I am not sure their calculation of my monthly income and expenses are correct. 
This happened before when my loan was with XXXX XXXX XXXX and then went to XXXX and now at Nationstar. 
The other thing is all the assignments and transfer documents they presented to me were false and not signed by real people. I have sent them all the recorded documents but they still are trying to use the existing fraudulent and fabricated documents to foreclose on me. 
Nationstar filed a Notice of Default XX/XX/XXXX and Notice of Sale XX/XX/XXXX using fabricated documents. Someone by the name of XXXX XXXX as VP of their company and at the same day and time as VP of XXXX XXXX on same date and time!!! signed Substitution of Trustee and Assignment of Deed of Trust. My question is if you can be a Vice President for XXXX different company in XXXX different countries at the same time??? 
XXXX XXXX XXXX tried the same documents but failed and paid a penalty through Independent Foreclosure Review and now Nationstar wants to do the same thing again. 
I need your help to resolve this matter. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a " Bankruptcy '' from my report. They claim to have verified with the clerk of courts as per my last conversation. I have provide multiple times a letter from the Clerk of Courts which states that they DO NOT report to credit reporting companies/third parties or provide any information. This document has been given to them and they continue to ignore it. I have asked on multiple occasions to speak to a supervisor with no success. They also claim to have verified with XXXX XXXX. XXXX XXXX is a third party, is not the owner of the Clerk of Courts so therefore should not be reporting anything. Also, I have been in contact with XXXX XXXX and they have told me I do not have a bankruptcy listed with them.
Product: Debt collection

I a m writing to file a formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. I have disputed several accounts, names, phone numbers, and addresses that do not belong to me. Despite my efforts, TransUnion continues to report this false information, including an incorrect date of birth. Furthermore, TransUnion has failed to verify this inaccurate information as required by law under FCRA section 609 ( a ) 1A, which mandates physical verification with signatures. I have not received a dunning letter as in 1692 ( g ) validations of debts per regulations F ( 2021 ). During a recent call on XXXX, a TransUnion representative admitted to several discrepancies and removed some incorrect information but failed to provide proof of verification for the remaining items, including collections accounts. This lack of verification has caused significant stress and health concerns as it has resulted in denials of credit and other financial opportunities. TransUnion can be sued for violating the FCRA by inadequately verifying data provided by third parties
such as XXXX and credit collection services, as well as any other person ( corporation ) reporting to the agency on behalf of my credit. The inaccurate reporting has harmed my credit and prevented me from obtaining a loan due to this ongoing battle with TransUnion.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their violations of the FCRA.

Thank you for your attention to this matter. 
XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit that were included in an identity theft concern ; I have disputed these account with the bureaus since XX/XX/2020 and have included the police report as well as the FTC Identity Theft form - I didn't receive any response from the bureaus! I filed the dispute, AGAIN, on XX/XX/2020, again with the reports from the police and FTC, but yet again no response or communications from the bureaus.
Product: Credit reporting or other personal consumer reports

I have been disputing inquiries and other accounts showing up on my credit report. Nothing has went away. Also all my credit reports say something different and they all should be correct and show the same.

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.

Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified.

To block information under Section 605B, a consumer may need to provide the following : Proof of identity A copy of an identity theft report Identification of the information A statement that the information is not related to a transaction by the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

America Credit Finance only assisted me with the payment deferred due to me filing complaint, however agents stated I would not be reported late and I have been. Please refer to my previous complaints and please refer to your call recording
Product: Mortgage

MB Finanical has lost requests to take off my PMI, after this was lost the fee to assess my current mortgage value increased. After I paid the new fee after being told that my LTV % was XXXX, they then told me that my LTV increased to XXXX %. Missed payments, solid history my PMI is n't going to be removed because they say that my LTV is at XXXX % When speaking to the bank they were unable to bring up my full records and told me that I would hear back from a manager, that has not happened. They have not been able to tell me why this as occurred and continue to receive my payments with the PMI on them. Due to this they have been able to continue to receive PMI payments when they are no longer applicable. This feels like fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an unauthorized inquiry on my credit report by Bank Of America. Upon reviewing my recent credit report, I noticed that an inquiry was made by your company without my authorization or knowledge. I contacted Bank of America on XX/XX/year>. I never received a response. It has been over 60 days. I went to the police station in my area and filed an affidavit with an officer. I want the inquiries removed immediately. This unauthorized credit pull is a serious violation of my privacy and has negatively impacted my credit score. I have not applied for any credit or services that would warrant such an inquiry, nor have I given permission for my credit report to be accessed by Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Equifax, XXXX, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my Equifax credit report that i did not make. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made a dispute against XXXX ( moving and storage company ) for overcharging me and just charging my card without my consent, roughly {$6200.00} with Navy Federal Credit Union. XXXX had my credit card on file and would just charge it what ever they wanted to. They had all my worldly possessions in a XXXX unit so I couldn't cancel the credit card or they wouldn't give me my stuff back. The charges do not match the quote I was given by XXXX 
Last week the dispute was dropped by my bank Navy Federal and I was told XXXX produced documents proving I signed for the services so I asked for copies of the documents my bank was sent from XXXX I was sent via secure messaging a contract XXXX sent the bank. The problem is this contract is not singed by anyone and the bank accepted this as evidence that I agreed to the charges. A couple of days ago, per the fraud department customer service rep I asked to reopen this dispute and asked for an appeal because he even said this look fishy and I was sent a secure message by the bank refusing to reopen the case or appeal it. This is why I'm filing this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. 

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.
Product: Money transfers

I opened an account with MoneyGram to transfer money to XXXX online. Money is transferred from my checking account. On XXXX XXXX I transferred {$700.00} dollars to XXXX online using MoneyGram website. On XXXX XXXX {$1000.00} was taken from my checking account. However, only {$700.00} was transferred. After several calls to the customer service and written complaint online using MG link no resolution was available. On XXXX XXXX MoneyGram cancelled the transaction and returned only {$700.00} which I picked up from an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian, and XXXX  and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.
Product: Credit reporting or other personal consumer reports

After checking my full credit score report I noticed that an authorized user credit card account is missing on two of my credit reports it is showing currently added and updated on my XXXX account but is missing from my XXXX and Equifax Credit Reports. 
This following information below is the credit card account that is missing from reports above : XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Open balance {$9300.00} Credit limit Credit limit {$9300.00} You're using 0 % of your account 's limit OVERVIEW Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 15 yrs, 7 mos ) PAYMENT HISTORY You've made 100 % of payments on time. 
Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} ACCOUNT DETAILS Account status Open Type Credit card Responsibility Authorized User Remarks -- Times XX/XX/XXXX days late 0/0/0 CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX USA ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I'm in the process of buying my first home and I went to review my XXXX Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( 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. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that Experian, XXXX, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, Experian responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately!