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

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Mortgage

Wells Fargo withdrew {$220.00} on XXXX/XXXX/XXXX and {$670.00} on XXXX/XXXX/XXXX for a total of {$900.00} without my authorization. Wells Fargo claims I authorized [ Father ] on my account on XXXX/XXXX/XXXX and consequently feel they had the right to take the money to cover his delinquent account. I proved to them that was not my signature on the documents they claimed I signed by providing a copy of my driver 's license with my true signature. During the span on XXXX they conducted an investigation which involved me having to follow-up on numerous occasions including my third visit to the branch on XXXX/XXXX/XXXX after weeks passed and several unreturned phone calls. The conclusion of their investigation by an email read to me by XXXX was " Unfortunately we are not able to reverse any 'set-offs ' since it is not a bank error. We recommend [ I ] close out the account so [ I ] loses no more funds in the future. We apologize for the inconvenience this will cause our customer but they advise to reach out to [ Father ] to obtain the funds ''. They acknowledged that I am not in contact with [ Father ] because they too attempted to reach him. They also acknowledged the signature in the original document is not mine. For the aforementioned reasons, my mortgage is now past due since XXXX/XXXX/XXXX and I have received several collection calls from Wells Fargo. I have attempted to make payments even though they are at fault and they are not allowing me to pay because I now have my lawyer involved.
Product: Payday loan, title loan, personal loan, or advance loan

This company is conducting business practices that do not align with the FTC. On XX/XX/XXXX, I applied for this " installment loan. '' They had my cell phone number during the verification process but insisted on calling my job. They called my job two times during the verification process ( XXXX days ). I told them after calling my job once to not call again and they " documented it '' and swore they wouldn't. Well, next day they called my job again. This time I wasn't nice and told them call again and see what happens. They approved me for the loan and that was that. 

Unfortunately, I fell on tough times and defaulted on the loan. They were reaching out to me via cell phone number and I answered each time trying to come to an agreement with them that worked for both of us to get it paid off. They refused to agree to my terms ( {$50.00} biweekly ). On XX/XX/XXXX they proceeded to call my cell phone at XXXX to speak to me, which is against the FTC XXXX. I still called back and spoke with them at XXXX like nothing. On XX/XX/XXXX at XXXX, I spoke with a manager ( name I do not know ) who proceeded to tell me that if I didn't set an agreement then they would call my job to speak with HR ( why I do not know ). I reminded her that she will not call my job since I mentioned that several times already. She also tried to get me to admit that I was refusing to pay the loan and I explained I was not. On XX/XX/XXXX, my boss approached me and told me that that XXXX  at approximately XXXX, he received a call from these people asking for HR. Again, against the guidelines as I told them to not call my job repeatedly ( I was told they have it documented several times by different agents ) and it was XXXX which again goes against the FTC XXXX I then called the company back after that and admittingly went off on them as I got in trouble with my boss for this call. I got an " I apologize '' from the agent. This company needs to be held accountable.
Product: Credit card or prepaid card

Capital One bank has not updated my account XXXX & XXXX as paid on time since this virus on my credit bureaus is not reporting right i have not gone no 30 or 60 days late
Product: Credit card

i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.
Product: Student loan

On XX/XX/XXXX I made a decision to take my student loans that had been serviced by XXXX  and XXXX XXXX ( which was a cosigned loan for daughter ) and transfer them to XXXX I had been paying for these loans some for XXXX years and still am. My daughters with XXXX XXXX had an XXXX percent interest rate and she was out of a job never able to get her degree with covid. Navient told me I would not likely pay these off in my lifetime. I spent weeks of my time on the phone. I had so many forbearances that they were quick to offer. I paid on these as well for years and owed more that double that my loan was for. Some of my loans were XXXX when my son died that I had also cosigned for. I financed XXXX with XXXX XXXX  for a much lower interest rate. I left XXXX loan with XXXX since I was told that one was not private. My hope was to consolidate that XXXX with my loans for my XXXXXXXX XXXX and be able to could my XXXX  payments and get that forgiven. After I graduated they informed me that was a private loan the original loan was about XXXX and I now owed over XXXX. This was after XXXX plus years of payments. I asked for proof it was private and was sent XXXX different promissory notes XXXX showing it was private the other not. I spent many hours trying to get this loan addressed and paid on it. I spoke to many people after having hours ( not exaggerated ) hold time. Was not able to sign into website. XXXX of the men I spoke to told me I should find a way to pay it off since I would never get it paid with the interest rate. I went into my work XXXX and took a loan to pay it off which I am still paying off through my paycheck of XXXX. I am currently paying XXXX a month in student loan payments and will be turning XXXX in XXXX of XXXX. I have XXXX in student loans from my XXXX rate which I should have been able to consolidate into this loan and have all forgiven. My friend I was in school with did. I have paid for these loans 5 times over and the truth is I will probably die paying these. These student loan providers made everything so difficult except for a forbearance. When I heard about the XXXX lawsuit I couldn't believe it. I spent years before I transferred the first XXXX to XXXX XXXX  dealing with them and did not want to take the loan from my savings. I still owe about XXXX in loans. My original debt was about XXXX. This is after so many years of paying. This is the story people dont understand about what has happened with student loans.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXXn Fraud Victim Assistance Department\n XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any of my transaction ( XXXX ). 
Account : XXXX XXXX XXXXXXXX, Account number : XXXX, Amount : {$1200.00} Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, \n [ XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was repossessed. In this event I was able to eventually get someone on the phone from Hyundai that helped me to get my vehicle back, set up a deferment, and acknowledge my unemployment situation. I had a deferment of payment that I could make on the vehicle however I was unfairly marginalized by the collections company for Hyundai, out of fair service by harassing payment calls from multiple numbers from XXXX up until the eventual repossession. I had been out of work since XXXX I was recently hired on at a new job. However Hyundai has no way of knowing this due to their collection policies. On XXXX XXXX XXXX Hyundai called me regarding making a payment. My payment has been due for 38 days. I will have a payment in order to pay within two weeks when I receive my first check. But their is no one who will listen to my situation. I haven't been able to tell them the change in my financial situation. It's only been 4 work days since I have been hired. 

Hyundai repossessed my vehicle back on XX/XX/XXXX at approximately 82 days of my payment being due initially. Which is before 90 days typical of the company being likely to file reports that would repossession the vehicle. 

I currently feel harassed and I believe the people over the collections line will not acknowledge my situation. I have received blatant disregard for any attempt that I have made to satisfy my account due to my unemployment and inability to pay. I want the harassment from Hyundais collection department to stop. The collections company even negated my attempts to reclaim my vehicle after they repossessed the vehicle, refusing to teansfer my calls correctly, hiding information that I was requesting, and telling me that my only ootion was to pay immediately. Thank you for the review of this complaint. I wish you well in all endeavors during these trying times. 


Sincerely, Protected consumer
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Grain Technologies charged me a {$80.00} Annual Fee for your services only to COMPLETELY ELIMINATE my credit line ( their service ) less than two months later without refunding the fee paid, THROUGH NO FAULT OF MY OWN. I requested assistance from Grain and manager XXXX on XX/XX/XXXX and two months later, have not received a response. This is not only dishonest business practices, this could be interpreted as fraud. Its predatory on people with challenging es credit trying to do the right thing as Grain advertises itself to be. 

I was never given the option to close the account ( with a refund ) and Grain refuses to provide proof of this despite consistently indicating they have. XXXX previously indicated that the notice was sent in LATE XX/XX/XXXX per the attached denial and states I had 45 days to take action for this material change. Grain received an email on XX/XX/XXXX regarding this and waited more than 6 months to escalate it to a manager, XXXX who did not acknowledge this, but instead stated that Grain was within its rights to continue this fraudulent activity. At this time, XXXX copied the contents on the reported email which included NOTHING giving me the option to close my account for a refund, hence why I reached out to them via EMAIL AND NOT PHONE so no one could say there was any misunderstanding. This is all in writing and Grain still refuses to be honest regarding this, despite advising several times that the are legally required to refund me for the breach of contract. 

To add insult to injury, Grain is stating the excessive fee is related to credit reporting despite there being NO TRANSACTIONS to report, NO CREDIT LIMIT, and NO OTHER CONTACT WITH THE BUSINESS OTHER THAN TRYING TO GET THIS ACCOUNTS FEE REMOVED and the account closed, listed as at consumers request to the credit bureas. 

In fact, its actually HURTING my credit because of the company issue credit line decrease. Per the CFPBs own report published on XX/XX/XXXX, Credit line decreases tend to coincide with decreasing credit scores, exactly the OPPOSITE of what Grain claims the are charging me to do, through absolutely no fault of my own ( which Grain has acknowledged ). This companys intentional mis m-advertisement is consumer fraud at its best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America placed an inquiry on my XXXX credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is committing fraud by covering up the fact of why I have been reaching out to them. That {$840.00} inquiry has to be moved off my account, because the matter was settled when {$5100.00} of it was paid. All of the presentment was supposed to be paid. 

They are violating my rights. I dont need them to tell me to send them anything else. They need to finish their job and remove the inquiries. 

Ucc 1-308 Without prejudice
Product: Debt collection

I disputed this account with XXXX  through their website on XX/XX/2021 and receive a message that this debt had been verified but did not receive any proof. No further communication was received. I requested this information be removed from my credit reports and all actions to be stop until the proof was provided but it appears an collection company has filed a lawsuit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, I mailed a letter on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX, Transunion, and XXXX requesting to correctly report the balance amount on my account based on the copy of the letter sent to my by XXXX XXXX XXXX in XXXX and XXXX XXXX. I received a letter from all four companies in XXXX XXXX that the account balance amount is correct and will not be changed. 
Thank you. 
Concerned Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( TRANSUNION XXXX AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in 2021, XXXX Equifax removed a XXXX Bank account from my credit report that was proven inaccurate reporting. I recently checked my credit report and notice the account got reinstated which is in violation of my consumer rights under the FCRA 15 USC 1681i. I request that this account be blocked and removed immediately per violation of 15 USC 1681c-2 ( A ). Equifax is in complete violation of my rights as a consumer under the FCRA and I am seeking immediate action.
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 3 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper and inaccurate negative information on credit report
Product: Debt collection

A man called me I asked who it was he refused to tell me so I refused to identify my self. He said I have to I 'd myself. I told him if he did not I 'd himself to stop calling my phone. The man said they will keep calling no matter what I say or do. I hung up and looked the number up online it 's a company called agt. This is a debt collection company.
Product: Credit reporting

I am not sure if this is the right category for my complaint. I have recently contacted all XXXX credit bureaus to inquire about my credit score decreasing by XXXX points within a 24 hour period. After speaking to a representative at both XXXX XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain the decline. I pay Equifax {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report to make their decision to increase my limit. My credit score went from XXXX down to XXXX on XXXX and also dropped significantly down to XXXX on Equifax and XXXX on XXXX. Each agency has tried to " speculate '' about what could have " possibly '' happened and none of the scenarios presented are applicable to me. The only change to my credit in a XXXX hour timeframe was the {$250.00} increase which caused my credit utilization to decline significantly. The representative at Equifax indicated I need to go out and use credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from the low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score dropped like a rock. A representative at XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. She also said I could close the account but that too may negatively impact my score. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and now " XXXX XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for the legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
Product: Credit reporting or other personal consumer reports

This is my follow-up for my complaint to remove these unathorized inquiries from my Equifax and XXXX credit report ... EQUIFAX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. have evidence to prove my case!
Product: Vehicle loan or lease

I paid all 36 installments for the lease of my car to Mercedes Financial. The last installment was paid on XX/XX/XXXX. After I returned the car on XX/XX/XXXX, I was charged an extra installment for {$490.00} on XX/XX/XXXX. When I asked MB financial about the charge they said the value of the car has changed and dealer is not paying them enough. 

They asked me to work with the dealer even though I have not paid the dealer the extra installment. This is a very deceptive and unfair treatment as I am made to run around for no reason.