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

I obtained my annual credit reportXX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX todayXX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX _____________________________________________ Synchrony Bank Lowes XX/XX/XXXXAmerican Eagle XX/XX/XXXX Toys R USXX/XX/XXXXXXXX Dual Card XX/XX/XXXXWalMart XX/XX/XXXXOld Navy XX/XX/XXXX TJX CO Dual CardXX/XX/XXXX
Product: Debt collection

MG Credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL. XXXX FTC REPORTS ATTACHED I XXXX XXXX Consumer to MG Credit XXXX In response to your claims, I owe your company/your client XXXXXXXX XXXX an alleged debt. I never had any contracts with your company. NO WRITTEN CONSENT may constitute Aggravated Identity Theft. MG CREDIT is in possession of my personal information and I did not give my written permission for this company to access any of my personal information. MG CREDIT used my identification without my permission no consent means Identity Theft. MG CREDIT HAS DAMAGED MY REPUTATION AND DAMAGED MY MODE OF LIVING BECAUSE YOU FURNISHED A CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. 18 USC 1028a AGGRAVATED IDENTITY THEFT MG CREDIT ALSO HAD NO PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORTS 15 USC 1681b FTC REPORTS ATTACHED
Product: Money transfer, virtual currency, or money service

So I was thought I was booking a home for vacation, I sent the money through XXXX with my bank app, u.s. bank. And it was a scam. After I sent the payment I got another message from another person saying it was a scam. So I went to my bank 20 minutes after the transfer to see if there was anything I can do and they claimed we couldnt. 
On XX/XX/XXXX I sent {$1100.00} through my XXXX  with my banking app Im sending over a copy of the agreements that was sent. I have signed copies on my end but theyre at home.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XX/XX/XXXXXXXX Inquired on XX/XX/XXXX. 

XXXX XXXX NA Inquired on XX/XX/XXXX. 

XXXX XXXX NA Inquired on XX/XX/XXXX. 

XXXX XXXX NA Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I requested XXXX XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of XXXX. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by XXXX to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.
Product: Credit card or prepaid card

I recently got my credit card limit decreased by XXXX from XXXX to XXXX. I received a letter XX/XX/2019 with an explanation that is due to the length of time revolving accounts have been established. I have called customer service XX/XX/XXXX, XXXX & XXXX in hope that I will be treated fairly and have my limit restored, however after answering personal questions as to why I used the card and why my debt is high, I was denied of my request. I have been a customer for 5 years and it seems like XXXX does not care about that. At all the times I called, there was no negotiating and the scrips reps were reading from were very good in reversing the blame onto the customer. I was told that my limit can be restored but when I pay off most of my debt, so, for now, they have lowered the limit to where I am maxed out on XXXX and therefore my monthly payments will be much higher. I am disappointed in how I was treated and how XXXX does not fulfill their promise - " ensure that all customers are treated fairly, effectively and promptly. ''
Product: Student loan

I have reviewed the active loan details, loan history, and my outward payments to MOHELA. I have paid {$1000.00} extra than what has shown up on their records for fulfilled loans. The loans are still accessing interest even after Ive sent in money to specifically avoid this on unsubsidized loans. The money I sent was the exact amount that reflects the value of the original unsubsidized loan.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

XX/XX/XXXX I traded my lease vehicle for a new car, the auto dealer purchased the lease vehicle. The final full pay off was posted to my account on XX/XX/XXXX in the amount of {$23000.00} and based on my final payment record left a Credit Balance of {$35.00}, additionally I received a letter dated XX/XX/XXXX that my lease is considered " satisfied in full ''. As of date and today call, KIA lease still shows my account open and has yet to disperse the {$35.00} credit balance, after calls back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have been told that it takes 90 days from the date of final payment to close the account, on one call I was told that it took only 30 days form the date the final payment posted, either way I have yet to receive the {$35.00} credit balance. 

Second, I reside in the State of Virginia ( VA ), I am responsible for the vehicle tags and their cost, upon selling the lease to the dealer I turned in my tags to the department of motor vehicle ( DMV ) on XX/XX/XXXX, the VA DMV mailed the reimbursement to my home address on XX/XX/XXXX however made the check payable to KIA Lease ( Hyundai Lease Title Trust ) in the amount of {$74.00}, I immediately took the check back to my local DMV office who in-turn mailed the check to KIA Lease, again I gave KIA lease until XX/XX/XXXX to reimburse me, my call in XX/XX/XXXX yeilded no answer, my call at the end of XX/XX/XXXX was told they had a check but had not mailed it out, my call as of today XX/XX/XXXX was told that the check for {$74.00} was mailed out on XX/XX/XXXX. 

I asked as to the other information again as noted in my first paragraph as to the account and the {$35.00} credit balance, I was told today XX/XX/XXXX they see no record of a credit balance and that they could send an e-mail but that would take another 4-5 days for an answer. 

I just want to ensure that no once else has these issues, as an consumer I am expected to pay my account on a certain day and I met that, I was never late, however KIA Fiance seems to be able to hold onto a consumers refund until they determine it is OK to release. 

Please find out why my account is not closed, why I can see a credit balance which has not been dispersed and why they also held on a refund that they never were responsible for. 

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

In accordance with the Fair Credit Reporting act XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXXXXXX XXXX  Checking Account and a SOFI credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened SOFI account when SOFI sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to SOFI and XXXXXXXX XXXX to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, XXXX has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about 100 points, from high 700s to 600s. I have contacted XXXX multiple times, have called them, and sent them every report they requested : the FTC report, the PA State Police filing report ( case number ), and the information of the SOFI credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent SOFI credit card. I received a new letter from XXXX on XX/XX/2022, and again, they are refusing to remove the fraudulent SOFI account and my credit rating is negativity impacted MONTHLY. I was informed by SOFI that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell XXXX that, as XXXX informed me they were contacting SOFI to investigate. Yet, XXXX is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from XXXX of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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. 15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Bank account or service

Placed money in a investment account pushed by the bank.After five years the value never increased but decreased although markets increased over this time. The bank continued to charge a yearly maintaince fee even with negative returns. The worst decision I have ever made by letting a bank invest my money. Lost time and money thru this deal.
Product: Consumer Loan

Collected payment for 1 year, but unable to give memoradon or title so I could get license. Refuse to refund pymts, due to breach in contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my personal information, including the generational designation XXXX. I don't know why Transunion never added XXXX or why XXXX and XXXX removed it. This is how files get mixed up or merged!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.
Product: Student loan

I successfully completed a XXXX XXXX bankruptcy several years ago. During that time SallieMae/Navient received portions of my monthly payment ( though not in monthly intervals, but as the court decided to send them out ) and the loans continued to accrue interest. 
At the end of that time, when monthly payments resumed with Navient, I called to see what could be done with payment amounts and they said I qualified for the rate reduction program, but in order to participate, I had to agree to have the accrued interest compounded onto the principal amount. I thought this was the interest that would accrue during the time of the program- as I previously understood deferments/forbearances to do. I found out I was wrong. All along, every time I agreed to have the interest added to the principal, they were adding ALL the outstanding interest, not just the interest for the time frame I was requesting forbearance/deferment for. I didn't know that. So this time, after 5 years of bankruptcy payments, they added over {$17000.00} in interest to my principal. As a result, my principal balances are more than double what they were the day I took them out between XXXX and XXXX. Yes, my interest rate is lower, and my payments are $ XXXX, but in order to be able to meet a monthly requirement, I had to agree to take on double the debt. I have to reapply for the program every 6 months, and due to the fed rate increases that 'reduced rate ' has gone up every 6 months ( my orig payment was $ XXXX, but it's been creeping up with every renewal. ) I finished school in XXXX and have paid on these loans ever since then - taking deferments and forbearances as I've had to, and even going through a bankruptcy, since I had no one to fall back on when money was short. Often I put my federal student loans into deferment to pay on these ones. 
How is this not predatory lending? How can they be allowed to compound interest earned during a bankruptcy that was supposed to offer relief? How can they be allowed to compound interest onto the principal at all, let alone without a ceiling? How am I EVER supposed to get out from under these student loans and still live a life?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting wrong information to all three credit reporting bureau 's. XXXX XXXX is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment XXXX received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.
Product: Credit card

Here is the details, 1. My Credit card statement amount {$5700.00}, due date is XX/XX/23 2. I paid {$5300.00} by BOA internal transfer on XX/XX/23, short paid {$430.00} 3. XX/XX/23 I found short paid and paid balance {$430.00} by BOA internal transfer 4. I was charged interest {$210.00} for 4 days late payment amount of {$430.00} 5. I called BOA credit card company on XX/XX/23, asked them how interest calculated as {$210.00} for only 4 days late payment amount of {$430.00}, they said interest is calculated by {$15000.00} of annual interest rate 17.49 % not late payment amount of {$430.00}, they refused to reimburse incorrect interest {$210.00}
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX  XXXX {$2400.00} account # XXXX, in XX/XX/2019 this account was placed by Equifax on my credit file. I disputed as not my account, Equifax investigated and removed XX/XX/2019. Now I checked my credit and as of XX/XX/2019 it is back on my credit by Equifax.