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

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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, credit repair services, or other personal consumer reports

Capital One sent my credit card statements to my old office despite the fact that I sent them a change of address showing my new office suite number. 
I got a call from their collection Department after several months and I explained what happened. They reversed the late charges and penalties, but reported my account to the credit agencies as delinquent and in collection. My credit score has been significantly lowered and Capital One refuses to correct the information they gave the credit agencies. ( see attachments )
Product: Debt collection

Account Name : SPRINGER COLLECTIONAccount Number : XXXXPast Due : $ XXXXFor one I requested a validation of debt and received no response in the appropriate time allowed. As a result I disputed the transaction but springer contested the removal. I do not owe XXXX or springer any money. They forced a charge on my credit card, I disputed and it was proven that this was an erroneous charge.
Product: Credit reporting or other personal consumer reports

My information was part of a data breach and Ive been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

LexisNexis, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX XXXX XXXXXXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX XXXX XXXXXXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX XXXX XXXX XXXXXXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,   XXXX   and Transunion are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from  XX/XX/XXXX  XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX ,   XXXX    and Transunion to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX   XXXX  and   XXXX   of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.
Product: Checking or savings account

XXXX XXXX notified me about a hard inquiry of my credit history made on XX/XX/2019 by Goldman Sachs Bank USA. This hard inquiry was un-authorized.
Product: Mortgage

XXXX XXXX XXXX my Husband passed away XXXX-XXXX-12 and had a loan with BB & T Bank for XXXX i went to the bank when he passed away a took the right papers and XXXX certificate. the teller told me to just contiue to make the payments. He did not ask for a Executor of estate. just make payments so i did but i missed 3 payments over the five yrs due to takeing out a loan to put a roof on the house and gutters to keep the basment from flooding and a hot water heater .over the yrs and i work for XXXX . that 's saying a lot. but for me it has been a struggle but i have gotten the loan down to XXXX pluse know they say i owe for miss payments i tried to go in and make a payment but they would not take my payment back in XXXX they ask me to get so the executor of estate but know they what me to finish paying the loan off and the taxes and insurance on the loan. my husband had credit cards and he put windows in the house that he was paying for and they wrote that off when i sent them the XXXX certificate .And my name was not on that loan.but they wrote them off. and i did get the exector of estate my husband had nothing in his estate .he XXXX suddenly, the bank loss the paper that i gave the 5yrs ago. our house was already paid off.
Product: Credit card or prepaid card

This complaint involves a fraudulent card opened in my name through Avant credit card. I noticed an email on XX/XX/XXXX regarding I was approved for a card. I sent a follow-up email questioning this approval on XX/XX/XXXX. Also, I received an email the aame day that Avant was notified via XXXX for a discrepancy in addresses, yet the company still opened the account and mailed the card to this address which is NOT mine. I am a life-long resident of MA, and the card was sent to IN. On XX/XX/XXXX through today, XX/XX/XXXX, I have requested NUMEROUS times that this account be closed. Nobody has closed this account, despite all of the requests. I have several emails proving this request was made on multiple occasions, yet I have never received any follow-up emails. I submitted the required documentation via email today ( XX/XX/XXXX ) so this case can be investigated, as requested by the company ; however, I want this account closed. When I called their number for customer assistance, nobody was able to help me, and I kept getting directed towards emailing the fraud department and id theft departments. Again, I never got any answers from anyone. This whole ordeal has been a nightmare, and I truly question the legitimacy of this company, which is why I am asking for your assistance. I also just received a bill for {$25.00} from Avant credit card, as this card apparently has a {$39.00} annual fee. I would never recommend this company to anyone, and am at the point where I will begin contacting local news outlets if this matter does not get resolved.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Debt collection

Someone named XXXX XXXX ( XXXX? ) from Delta Management contacted the owner of the company I work for on XX/XX/18 at approximately XXXX asking to verify my employment for a personal financial matter. They were told to not call back any of the businesses, but they can send a letter requesting the information on official letterhead. 
At approximately XXXX on the same day, the co-owner of the company received a phone call on her cell phone from the same person, and was told the same thing. 
At XXXX the same day, this same person contacted one of our locations directly asking the same information again, even after now two times being told to not call any of the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Mortgage

I had my mortgage payment scheduled thru the Freedom website. On XXXX I noticed that the amount had not been removed from my account. I logged into the Freedom Mortgage app on XXXX to find that they no longer owned my mortgage. 
I called the company to inquire and they notified me that the mortgage had been sold to another company. And that they had put paper notice in the mail on XX/XX/year>. I never received the paper notice and the customer service agent placed blame on the US postal service. I did not receive an email of the account transfer or a message in my Freedom Mortgage app. My mortgage payment is now late and I am growing interest on an amount that I had scheduled to have been payed.

Im not upset by the selling of the mortgage I am upset by improper notification and unprofessional handling.
Product: Debt collection

Sent certified letter telling them to stop calling me and they are still calling XXXX times a day. This debt is from XXXX.
Product: Mortgage

To whom may concern : On XX/XX/year> i submitted an application for a forbearance plan to XXXX XXXX, the reason that i have to summit an application for forbearance plan was because on XX/XX/year> i have to pay XXXX XXXX  the amount of {$6900.00} because my Escrow balance was short and in order for my payment do not go higher i has a friend to borrow me that money, since that i been trying to get in track with all the bills because i had to pay my friend that amount of money, that's why i decide to contact XXXX XXXX on XX/XX/year> and summit an application for a forbearance plan.At the moment that i summit the application i contact XXXX XXXX  i they told me that i was protected for the forbearance plan and was not going to hurt my credit score.Now i just find out that they are reporting 1 miss payment and my credit score has drop more than XXXX points.Also now i'm back in track and i have made all my payments on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX and XX/XX/year> i paid the month of XXXX. I call then again on XX/XX/year> and i have requested to remove the forbearance plan and i call today XX/XX/year> again and the haven't removed yet.
Product: Checking or savings account

I just sent a complaint against Ally bank. It got lost in cyberspace Im writing again. I am not able to access my funds, which are at least $ XXXX, in my online savings account as Ally customer service will not answer their dedicated customer service line to connect me with a rep to close my account. I was recently scammed online so it is crucial that I close the account and transfer the funds to a bank I trust. I have been holding the Ally line for more than 2, yes 2, HOURS. They don't even give a message where you are in line or how many more HOURS it may take, Please help me close this Ally savings account so I can secure my funds from further online scams.

Thank you.
Product: Credit card or prepaid card

I opened my XXXX credit card 2019. I have made my payments on time. Now they are taking credit from me messing up my credit. I feel I'm being discriminated against and wronged because of my being a female. I have paid my bills on time. They wait 2 or so years to look at my credit to take credit away from me. You still get wronged even after you paid your bill on time. My credit limit was {$250.00} down to now {$200.00}. How is someone supposed to build their credit when they keep decreasing your credit limit. I feel this is an attack based on my race and my being a female.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hack compromised my personal data via Equifax, verified by their page setup to see if consumers had been impacted.
After submitting my information, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to have them properly investigate the errors on my credit report and the fraudulently sent me a letter stating they dont have a credit report with the name social security or birth date I submitted. Its a total stall and theyre trying to make me jump through hoops to get them to properly investigate which is garbage. I will be hiring a lawyer if they do not remove the inaccuracies and do a proper investigation
Product: Debt collection

Back on XX/XX/2019, I sent to CMRE Financial Services a demand for validation letter for the following accounts : 1 ) CMRE FINAN SERV XXXX Balance : {$300.00} ; 2 ) CMRE FINAN SERV XXXX  Balance {$300.00}. As of today they have failed to provide me with the proof I have lawfully requested. 

I am requesting your help so this company stop reporting these invalids items to the credit report agencies. Ive done everything in my hands but Ive been ignored. These accounts being reported to the credit bureaus without sending me a validation for the debt is a violation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Debt collection

XX/XX/2018 XXXX AM originating from XXXX ... call after advising them already that a ) calls before XXXX AM are not permitted and b ) to stop calling me several times per day as I have the information needed via an email and it is a matter concerning my child that I need to review with my ex husband to pay. 

XX/XX/2018, XXXX XXXX call originating from XXXX, CA. Again advised to stop calling me. Contact at XXXX XXXX name was XXXX. 

XX/XX/2018, XXXX AM, call originating from XXXX, CA advised them to stop calling XX/XX/2018, XXXX AM, call originating from XXXX, CA, advised again to stop calling XX/XX/2018, XXXX PM, call originating from XXXX, CA advised again to stop calling XX/XX/2018, XXXX AM followed by XXXX AM call originating from XXXX, IL violating no call before XXXX AM and advised them of this and to stop calling XX/XX/2018, XXXX PM call originating from XXXX XX/XX/2018, XXXX AM call originating from XXXX, IL violating no call before XXXX law Saturday, XX/XX/2018, XXXX AM call originating from XXXX XXXX, CA XX/XX/2018, XXXX AM call originating from XXXX, CA, advised to stop calling XX/XX/2018, XXXX AM call originating from IL, violating the no call before XXXX AM XX/XX/2018, XXXX AM call and XXXX AM call originating from IL and CA That is merely one week of call log that is stored on my phone, this has been persistent and request made to stop calling. Additionally, twice I have had the experience of their representatives insisting that I could not get off the phone until I made a payment. One representative inferred that a payment of {$42.00} TODAY would satisfy the account as though the debt of {$870.00} would be satisfied. When pressed, he stated he needed a credit card number from me today to take a payment and that it was not an offer in compromise. 

This company is harassing me to no avail and will not respect the law of not calling before XXXXAM and not calling multiple times per day after I have requested that they stop and correspond via email only.
Product: Credit card

I opened a credit card with citi bank and was told i would receive a credit limit increase after 6 months i funded the card {$300.00} made my payments on time and next thing my account was closed and i was mailed only a {$30.00} check in which i should have received the entire {$300.00} back. it was no reason for the account to closed and i also never requested for my account to be closed. I needed the card to keep my credit limit on my credit report to help my score once my account was closed my score dropped. citi bank has put me in a hardship from closing this account without my permission.
Product: Consumer Loan

I purchased an automobile in or around XXXX 2015 from a dealership. The vehicle had experienced mechanical problems, and so I returned the vehicle and the dealership accepted the return minus their restocking fee. Well, I had told the USAA customer service department about the vehicle being returned. I have also been XXXX and told them that as well. Please assist me in dealing with this matter. On XXXX XXXX, 2015, USAA debited a car payment from a joint account without my authorization.
Product: Credit reporting or other personal consumer reports

I got hard inquiries because someone try to get credit from XXXX XXXX XXXX and form XXXX XXXX IN OHIO SOMEBODY THEFT MY INFORMATION, those aplicattions are not mine
Product: Prepaid card

The branch card system doesn't work when you do a transfer it doesn't go thru. There is no front facing real bank website. I consider what they have plaid to be a complete fraud warning because of the data you have to put in. Please review this before someone is scammed. Just feels like they have the money and there are to many hurdles to jump thru, Cell phones are not secure and are how you are forced to use the card.
Product: Credit reporting or other personal consumer reports

I requested the following : According to 15 USC1692G.

I requested Full payment history of this debt.

The ORIGINAL contract from the ORIGINAL creditor with my wet signature.The chain of title.

I also requested has any insurance claims been made of this debt.

I have not received any of these things above information as of yet. According to 15 USC 1692G if the above information has not been provided, this debt must be removed from my all of my credit reports.
Product: Debt collection

Ive disputed this debt with this company several times and I have not received proper verification or response. At this point I would like this debt removed from my report Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX Account # : XXXX Balance : {$100.00} Open Date : XX/XX/2014
Product: Debt collection

A medical debt originally popped up on my credit report in XXXX. It was disputed because I never knew about the debt and it was removed. I attempted to inquire of the debt and the collection agency listed at the time stated they hadn't been used with the original creditor for 8 years. No one knew of this debt. the original creditor stated they had sent the debt to collections and had no knowledge of it. It has been sold at least twice and each time it was disputed within 30 days directly to the new company and never placed on my credit. 

I guess applying for a new credit card in XX/XX/XXXX " pinged '' Commonwealth Financial Systems ( XXXX XXXX   XXXX XXXX XXXX PA XXXX ) who placed the debt, without any notice to attempt to properly collect, on my credit report. They reported the date as XX/XX/XXXX ( in XXXX of XXXX, ) and my score dropped XXXX points to a XXXX with XXXX XXXX. I disputed this with XXXX  through XXXX, sent them a screenshot of a previous dispute from another collector ( XXXX, ) noting they had removed this collection previously after not being able to verify the debt. Within 7 days, XXXX completed the dispute with merely updating the dates of the debt with the dates in my screenshot. 

This collection agency is violated the Fair Credit Act, by not collecting properly and possibly HIPAA.