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

I have a capital one credit card. Due to COVID19 I have been laid off. 
My credit card payment was late. I called and requested a goodwill adjustment they refused. I have a good payment history and due to this late payment my credit score took a hit. Ive already paid the full balance of the credit card, and I am requesting that it be taken off of my history.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX  XXXX XXXX Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}
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 : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my XXXX XXXX XXXX XXXX XXXX XXXX which Ive worked over XXXX XXXX building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can XXXX take if my assertions are proven to be true? What type of authority does XXXX have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX@XXXX.XXXX
Product: Money transfer, virtual currency, or money service

I got a Alert phone that there was suspicious charge on my XXXX. XXXX. I check my statement there was a charge I didnt make.
Product: Credit card

I opened my Apple Credit Card by Goldman Sachs in XXXX. 
On XX/XX/XXXX my IPhone was stolen which I reported to the bank right away. 
Fraudster and scammers used my virtual Apple Card to shop online and phisical stores, adding more than XXXX dollars in fraudulent charges. After reporting and claiming Goldman Sachs why this happened if I had already called to block the card they confirmed that they will block the virtual card and I could use my phisical credit card which I still have. I was even able to go to our neighborhood poultry and buy some fresh chicken with the card. 
Couple of days later Goldman Sachs has closed my credit card account and they say that I will need to reapply for a new card if I want so, however this is not a guarantee that my credit card and credit limited granted before will be the same or honored. 
I find this situation very deceptive and demeaning since closing my account will affect my credit score and history. 
Since I was stolen my iPhone and all those charges are unauthorized I would like to know my rights please.
Product: Consumer Loan

On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I check my eligibility for an affirm loan with XXXX XXXX. I wanted to purchase and XXXX. It said I was approved for XXXX. It gave me three options : 0 % apr for 6 months, 10.84 % for 18 months, or XXXX for 36 months It said my offer expired in 6 days. I took a screen shot of the offer. I didn't check out because I wanted to see the bike in person before I purchased. I drove an hour to the dealer and after viewing the bike, agreed to purchase. I then used my phone to buy the bike online while in their store to use the affirm offer. The offer was no longer 10.84 % but 24 %. I put {$1000.00} down on the bike and purchased anyway since I had driven and didn't have time to come back. I also figured out that once I showed Affirm proof what they had offered, they would fix their mistake. I have called twice and spoken to two different representatives. The first man was no help and said he could not see the original offer. The second rep said they would not change the APR even though I have physical documentation of the original offer.
Product: Credit reporting or other personal consumer reports

I tried called XXXX and they marked these hard inquiries as unauthorized the complaint number is XXXX. I have two hard inquiries on my XXXX credit report that I never authorized the first being CCF Intermediate HOL on XX/XX/XXXX and the second being XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B stipulates that any incorrect accounts be removed from my credit report. Can you check the documents? There are inaccuracies in the listed accounts, including wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus ( Transunion, XXXX, and XXXX ) about a Bankruptcy being reported to my report. I asked them for verification which I was informed that XXXX XXXXXXXX XXXX XXXX XXXXXXXX reported this account. Upon Contacting XXXX XXXX XXXX XXXX  XXXX I was told in writing that they do not report to any agency or give out personal information to anyone. I then contacted the bureaus along with CFPB about this reply and the response I was given by CFPB is that Transunion report I was a victim of ID theft ... which how can they report something like that without me asking or saying something. As for the Bankruptcy that is being reported by the XXXX XXXX XXXX XXXXXXXX, According to the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq., courts can only report information to credit bureaus if they have a court order or subpoena, meaning they generally can not directly provide information to credit reporting agencies without a legal requirement to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I made my mortgage payment to LoanCare in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. XXXX refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from XXXX indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and XXXX added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that XXXX did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. XXXX should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

XXXX has closed their investigation with incorrect information. LoanCare, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I presented the signed Authorization to release information to Wells Fargo on XXXX XXXX XXXX, XXXX, Oregon. This form was faxed XX/XX/2018 XXXXXXXX XXXX to XXXX. We subsequently got a call from a Wells Fargo agent who stated that I could have access to the information not have online access at all. 

We now want to get away from Wells Fargo and not be connected to them in any way or manner. They have not done anything to FIX this problem and have said conflicting things throughout our attempt to work with them. 

On a scale of 1-10 my stress level is 25!
Product: Credit reporting, credit repair services, or other personal consumer reports

They list my dwelling as a multi family dwellingand it is not, they wont tell me where they got their informationit is WRONG. 
I own 4 acres and a house on that 4 acres, but I live down a Private county roadand they signify it by lot number, Im # XXXX Please HelpExperian wont even answer the phone
Product: Credit reporting or other personal consumer reports

this XXXX XXXX XXXX account is popping up as inquiry on my credit profile. I have a XXXX  XXXX XXXX XXXX XXXX XXXX. I never applied or authorized for anyone to use my information to open up a credit account with XXXXXXXX XXXX XXXXXXXX. This inquiry is Unauthorized and violating my FCRA rights. I want it removed from my credit profile ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Bureaus Letter dated XX/XX/XXXX but still incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Amount {$1800.00} Reported : XX/XX/year> Joint account with Ex Wife attempted to settled with the original company and was sold to this current company for more than I owed. 
XXXX XXXX XXXX {$5500.00} Worked out a payment agreement with original creditor due to financial hardship, account was sold to current creditor. 

XXXX XXXX XXXX : XXXX XXXXXXXX XXXX I have no knowledge of this inquiry/unauthorized
Product: Debt collection

d & a services are trying to collect amount that is in ch XXXX XXXX original credit XXXX this is 4 time differ collection service.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a timeshare was purchased. Before purchasing, we asked all the necessary questions. At the time, we were in the process of purchasing a home and we were told it would not affect our credits. Fast forward we were unable to do so because the information from XXXX XXXX showed up on our credit reports. We tried reaching out to the office, the sales person XXXX, it was just a whole run around. From the beginning we were provided with wrong information. 
Based on the purchase, we were not provided with any of the products and services that were paid for. Everything was going down hill. We visited a property to try to get help and it was the same thing just a whole lot of run around. In XX/XX/XXXX, we went to another location to get help to get rid of the timeshare. They promised for all the mistakes they would give us more to make up for what happened and we would receive all the products and services. They were not authorized to run my credit or my fiance 's credit. Again we asked all the questions, you providing an upgrade is this going to affect anything, the answers were no. I received a call from a XXXX party that a line of credit was taken out on our account. We would have to pay XXXX  and the third party, which we had no idea of. On the XXXX day we called to try and cancel all the so called upgrades we were offered because we were given 5 days to do so. To all avail nothing. I was told I called outside of the 5 days and they were able to help. Now there are these huge amounts on my credit report which were not authorized. With the upgrade we were told no, we will not run your credit. With XXXX vacations it has been the worse experience this past year and we are trying to get rid of them, seeking legal advise because this whole timeshare thing is a scam. If we had known this is what it would be we would not have done it in the first please. I want them removed from my credit report because this has become a hinderance in purchasing a home for my family and shame on them for reporting incorrect information. Thank you for your assistance.
Product: Debt collection

In XX/XX/2021 I received an offer in the form of a letter from Midland Credit Management indicating that the collections on my debt would be taken out of collections if I would contact them and make payment arrangements. On XX/XX/2021 I contacted Midland Credit and attempted to resolve my collections issues thru the offer I was sent in the mail by Midland credit. When I spoke with the representative from Midland Credit Management and indicated that I was ready to resolve the issue of debt collection with the understanding that as stated in the letter I received in XX/XX/2021 that the collections would be removed from my credit report as payment arrangement were made. I was told that they would not remove the debt collection off my credit report until payment was made in full. I stated to the representative that the letter clearly indicated that the collections would be removed while payments were being made as stated in the letter received on XX/XX/2021. The representative then became rude and aggressive when I pointed out the fact that the letter offer clearly said that the collections would be removed. 
Now I getting phone calls before XXXX and after XXXX and have received letters threatening me with lawsuits.
Product: Debt collection

I paid this account and was told by the Capital Accounts agent it would be deleted from my credit. It was deleted from XXXX  and XXXX, the agent told me they always deleted first, and that I may have to dispute it with XXXX. I thought it was very strange that this agent was giving such detailed credit advice, I thought they were not allowed to do that according to the FDCPA. I followed his strange advise and it was not removed from XXXX as promised. So I sent a dispute letter to the address that Capital Accounts reported to XXXX, and that dispute letter was returned. I feel totally defrauded, the advice that was given to me was incorrect, and the collector can not be reached to demand they hold their promise. They are not reporting 100 % factual information to the credit bureaus if they are not reporting an accurate address! Help me!
Product: Mortgage

Sun West Mortgage Corporation 's licensed broker XXXX XXXX, Tel XXXX XXXX told me on XX/XX/2021 that he would lock in a refinance loan on my home at the rate of 1.75 % 30 yr fixed and would send me a loan estimate for loan # XXXX, and had me sign all the necessary documents, and relying on this estimate, I cancelled other pending offers at the same rate. Then this broker sends out a notary to sign papers where he has added {$10000.00} fees additional to the loan estimate that I relied on to my detriment. I refused to sign the papers, and he stated to me that he would correct the problem, and send out the notary again. As damages, I am demanding the {$10000.00} damages for detrimental reliance ; or alternatively, that the loan estimate be honored, this is a VA XXXX loan which the fees added make it not approvable by the VA for its 36 month recovery test.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX Account # 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 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 trafficking. 

Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

In XXXX, I filled XXXX XXXXXXXX on my car, In XXXX, credit acceptance sent me a letter advising me to call and pay by a certain date after I receive a letter from the bankruptcy court that the loan was taken out of bankruptcy. I called credit acceptance and set up a payment arrangement in XXXX of XXXX, I was not advised that they only set me for 6months payments, I called credit acceptance on XXXX/XXXX/XXXX at XXXX to address the letter they sent me advising me that they are switching Autopayment processing companies, I called in to make sure they didn't change my payment date nor my payment about, I was advised that I was no longer able to make my payments and that my car is now in the process of being reposed, they advised me that I was not in a payment arrangement even though they see I was making payments on automatic payments for the past six months, they refused to accept nothing but the full past due amount and was constantly treating reposition, they also refused to let me speak to a manager after I requested many times on a recorded line, they kept transferring me to different collectors and each one refused to honor the arrangement I was placed in with credit acceptance automatically taking payments out of my account, they kept repeating over and over that my car is out for reposition, also stating and refusing to honor the arrangement