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

I recently reviewed my credit report and noticed several unauthorized inquiries that I do not recognize. I have no knowledge of the banks or entities associated with these inquiries, nor have I applied for credit with them. It is deeply concerning that these unauthorized inquiries have been made without my consent, as they negatively impact my creditworthiness. 
XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am requesting immediate assistance in investigating and addressing this matter. These inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized or inaccurate reporting. Specifically, under FCRA 15 U.S. Code 1681b, permissible purposes for credit inquiries must include explicit consumer consent or legitimate business need. In this case, no such authorization was given. 

Please ensure these inquiries are thoroughly investigated, and if they are found to be unauthorized, that they are promptly removed from my credit report. Additionally, I request documentation or proof of consent associated with these inquiries, as I have never authorized them. 

Your prompt attention to this matter is crucial, as these unauthorized inquiries continue to harm my credit profile unfairly. Thank you for your time and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from XXXX, XXXX, and Experian. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unfavorable rating on my account is a source of grave concern. I'm deeply troubled by its potential ramifications on my creditworthiness. This negative mark has already led to the rejection of a recent loan application and elevated interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional burden this adverse rating has inflicted and will continue to impose until resolved.
Product: Money transfer, virtual currency, or money service

When I tried to send money from a gaming app I use XXXX XXXX to PayPal. PayPal refused to accept the payment of {$2.00} stating that I had violated the terms and conditions and they have permanently suspended my account of {$3.00}. 
Near as I can tell it is for carrying a balance which their terms and conditions say you can't do. 
This makes no sense to me because why issue me a debit card to remove money from my balance. 
Also how can you transfer money if you can't move it to them and then transfer it to where it goes. 
I wrote to them and they sent me a link that I can't access as it states that they are having a internal server problem. 
I can't copy anything on PayPal as they block all screenshots. 
If you read their terms and conditions you will see that no one can use their service without violating this term that you can't carry a balance. If everyone is in violation then they should shut down their operations and refund everyone their money.
Product: Student loan

I was told that Discover student loans will be participating in a loan modification but every time I call to have my 11 % interest rate reduced, they ca n't do anything about it. It is unheard of to pay 11 % on a loan that I can barely afford. They only tell me I can defer the loan or go on forbearance in which the amount that I will owe each month will only get higher. No one is helping me out on reducing the interest of the loan.
Product: Student loan

I made an extra payment of {$4500.00} from my SoFi banking account to SoFi refi student loan balance on XX/XX/XXXX. I have a confirmation number. Upon outreach on XX/XX/XXXX, I was informed on XX/XX/XXXX to wait another 5-10 business days. I attempted a status check on XXXX via email. On XXXX, by phone, I was informed to wait up to 30 days. I am initiating a complaint here as the payment was made XX/XX/XXXX and have received multiple conflicting instructions on length of time to wait. Also of note, the usual scheduled payment ( on the XXXX of each month ) was drafted and is already reflecting on the loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to XXXX in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX XXXX account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX  XX/XX/2020 XXXX / XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX XXXX XX/XX/2020 Ive asked for a manager call back from the XXXX and I'm always told I can't speak to manager and that Ive reached the highest point of escalation. So even if I have a complaint from the Rep over the phone Equifax won't allow me to speak to any manger to voice any of my concerns.
Product: Student loan

I have been set up for automatic debit payback. At the beginning of XX/XX/XXXX it said I should be paid off by XX/XX/XXXX with only XXXX dollars left. XXXX did I know they were skipping payments and saying some months I have not owed anything for the month. In part I think to extend the loan and collect more interest. When I asked them they said oops we 're sorry it must be a glitch. We will take care of it for you. Now this year as of today I owe XXXX and have an estimated XXXX. Now something does n't add up because If payments were being debited I would have had more than XXXX dollars off the loan because my payments are XXXX dollars
Product: Debt collection

Good Afternoon, This is a follow-up to complaint XXXX with Robinhood. Robinhood sent the IRS a 1099-B for a debt they " charged off. '' Robinhood sent me a letter last year stating that this debt resulted from identity theft. They also said the same in their complaint response. They blamed this on the " charge off '' action. However, because this was identity theft does not mean they are to charge this off against me. This goes against every regulatory procedure required for a company to handle identity theft. The IRS requires that the company correct the 1099-B reporting. I received no notice of the charge off. The only way I found this out was by looking up my IRS transcript. In due diligence, I'm trying to get this resolved. I'm going through the CFPB since they would not help me. I didn't want to give them my social and birth date at the time, as it was already used for identity theft as a result of their careless network security. They stated that they do not have an account that matched my name, address, or telephone. I will identify myself with the account number information as the last 4 of my social. Thank you
Product: Debt collection

I sent a letter through USPS on XXXX, 2023 and never received a response from the creditor. Debt has never been validated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding an issue I have encountered with Experian and its handling of my credit dispute. On XX/XX/year> I submitted a dispute with Experian regarding inaccurate or questionable information on my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian responded to my dispute and stated that the creditors confirmed the accuracy of the information reported. However, they provided no substantial proof or documentation to validate their claims. I believe this conclusion was reached without a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. Without adequate evidence from the furnishers of the disputed accounts, I am concerned that Experian has not fulfilled its legal obligation to ensure the accuracy of the information. 

I am requesting the CFPBs intervention to : Review Experians investigation process in this matter. 
Ensure that Experian provides proper documentation or removes the disputed items from my credit report. 
I have attached the following documents to support my complaint : A screenshot of Experians response to my dispute. 
A copy of my credit report highlighting the disputed accounts. 
Any other correspondence between myself and Experian. 
Thank you for your time and attention to this matter. I look forward to your response and assistance in ensuring that my credit report is accurate and compliant with federal law. 

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

In accordance with the Fair Credit Reporting Bankruptcy reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to make my loan payment for weeks now. I have lost track of how many people I have talked to trying to resolve this issue. Their website was having problems so I scheduled a payment through them that they never took out. I attempted making the payment multiple times before this. They asked that I change my bank account on file so I added another. They said that it didn't work and to add a third bank account which I do not have. I had to change the bank account again and now they are saying it will take 5 days to change it. They have been spamming me with calls texts and emails about the overdue payment even though they know I have been trying to make the payment and the issue is on their end. They said they are going to report it to the credit company if it is 30 days past due. Its getting close to 30 days and now they will not even respond to me regarding the issue. I have had XXXX people stop responding to me and I am at a complete loss on what to do. I've tried making the payment online again and it says I can't because there is a scheduled payment. That scheduled payment date has past and I asked that they cancel it 3 times so that I can attempt online again and they won't do that. I have done all the contacting by either email or text so that I have the receipts to prove I have been doing everything that I can and they will not help me.
Product: Consumer Loan

My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.
Product: Credit card

The bank claims I made a {$1900.00} purchase at XXXX in XXXX using my chip card. I live in XXXX but recently visited XXXX and XXXX on business. Two things occurred leading up to this fraudulent purchase. My bank sent me an E-Mail stating they are sending the debit card I requested. At the same time, someone had my home mail forwarded to an address in XXXX. I did not request either. 
The bank claims the purchase was made with the chip card in a XXXX ready machine. The card has never been out of my possession except for the occasional use when you hand it to a store employee to swipe. And that is what they do, swipe the card. I do not ever recall handing to someone who inserted it. 
If the chip card was used in a XXXX ready machine, how was it processed in XXXX?
Product: Credit reporting

I have been disputing a collection account by XXXX on my credit report for several months. I have uploaded XXXX 's response indicating in response to a debt validation request that it has no information on the account. I have disputed this three times and also done a CFPB complaint against Equifax on this issue, to no avail. 

When I call Equifax and describe the problem, which is that Equifax refuses to conduct any meaningful investigation the representatives, usually in the XXXX launch into a script about the 30-day investigation period. 

Today, I finally reach a representative through three levels of supervisors in the US. Her name is " XXXX '' and her employee number is " XXXX ''. I told XXXX the problem and she stated verbatim that Equifax will continue to report whatever their customer continues to report no matter what. I replied in a recorded phone conversation : " XXXX, I want to be very clear on what you just told me because do not think what you just said is in compliance with the FCRA with regard to Equifax conducting an actual meaningful investigation. In fact it is likely the basis for the majority of complaints agaist Equifax with the CFPB. Assuming that I sent Equifax documentation from that a creditor or collection agent sent me in writing indicating they could not provide any information at all about on an account, but then that creditor comes back and verifies, Equifax will re-report and continue to report even if it is looking at documentation which clearly states the opposite? '' XXXX said, " Yes, that is correct. '' I have gone back and forth with the all of the credit reporting agencies on this point and NEVER would one admit to something like this. Instead, they all dodge the question by reading the script. XXXX has finally been the first person to step forward and honestly state what Equifax ' policy actually is. If you ever have hearings on this matter I am willing to testify to this and back up what I have said above.
Product: Debt collection

Action Collection Agency tried to collect from us for a creditor we never hear of. Their number is XXXX. The person wouldnt give me their full name. Said we owed a XXXX XXXX XXXX XXXX XXXX Seems like a scam. The person on the phone was very sketchy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Mortgage

our house was on the market for a short sale already agreed upon by both parties. We have an agent who was in constant contact with the mortgage company and they have authorized a short sale. Suddenly we received a message that the house has been foreclosed on XXXX XXXX with no notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN CHILD SUPPORT ENF 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

On XXXX XXXX 2018, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Debt collection

I received an invoice and I dont know who this company is or what this is for
Product: Debt collection

On XX/XX/2021 I receive a letter from Stephen Bruce and XXXX stating that they had a Writ of Garnishment against me. Stephen Bruce and XXXX have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX/XXXX  XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card

I've been trying to make a payment on my Chase Amazon card account for days. Every time I get to the end and hit submit, it states that it's temporarily unavailable. I've also called several times to be told to try again. This has been for days and at different times of the day. I've been with this company for a long time and never had this problem. I'm beginning to think that it's intentional. That's why I'm contacting the CFPB. This is a first for me. Thank You in advance and I'm so glad that I found CFPB!
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/2024 my XXXX XXXX XXXX XXXX was XXXX  I needed money to take her to vet she passed waiting. I got ahold of heights finance in XXXX il the branch manager XXXX XXXX said she could help. I took check stubbs from full time job and at that time part time job with XXXX. My car sticker was expired so had to get it renewed. By the time I went back to heights the check stubb from XXXX  was to old so I had to get a newer onwhichwas already much lower than the last check stubb. When I brought the newer one in I told her that my XXXX income is going to end cause woman I take care of needs more experienced help she said I quote lets gets this pushed through so we can get you your money even though she knew my income was changing she then said I got to pull some numbers to get it to work and said would pay off XXXXXXXX XXXX XXXX  and I would get less money in my pocket.I was not in my right frame of mind cause of the death otherwise I never would of done it knowing my income was dropping. End of XXXX I fell XXXX behind and she threaten to garnish my wages I called heights corporate office and the woman there said she would note I would pay the XXXX on XX/XX/XXXX which I did and that I would pay the next bill XX/XX/XXXX payment on XX/XX/XXXX or XXXX she told me not to worry about the garnish of wages letter to work cause I made a arranement. Today a certified letter came to work sent yesterday saying they were going to try to garnish my wages even though corperate woman said letter wouldnt be sent send cause I made a arrangement. 
The branch manger knew my income was going down and still pushed this loan through at XXXX percent finance I feel this was illegal for her to knowingly do this to me and would like cfpb to go forward with lawsuit against heights finance of XXXX for this .i feel it was churning to do this to me knowing with her knowing my income was going down I already submitted a complaint but it says went to wrong company number XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XXXX {$470.00} - {$130.00} open XX/XX/XXXX XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Mortgage

I called to apply for a home mortgage with XXXX XXXX XXXX XXXX mortgage loan officer. i was promised the mortgage over the phone but further interaction proved futile in an attempt to get even a pre approval for a home mortgage. i finally began and finalized a mortgage with another company. very poor service.