23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I Financed a car through wells fargo in XX/XX/XXXX from XXXX XXXX of XXXX Arizona. I have made 10 payments on it and wells fargo has yet to report them to any credit bureau. I have called multiple times and they say to mail a letter to the corporate office like its XXXX. I have sent 2 letters in 6 weeks with no response. I have been in possession of the car for 13 months and show nothing on my credit for it and wells fargo hasn't been any help.
Product: Credit card

On XX/XX/2023 I was charged {$400.00} interest. They keep changing my interest rate. And my balance keeps going up.
Product: Debt collection

Won't stop calling and calls are from 4 or 5 different numbers back to back all day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report again on XX/XX/year> and noticed some things are still incomplete and not accurate with the accounts listed above. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the informat
ion is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have unauthorized inquiries on my credit report in which Experian, XXXX, and XXXX  have yet to address.
Product: Credit reporting or other personal consumer reports

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

The company is SIMM Associates , Inc. in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : XXXX , XXXX . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.
Product: Credit reporting

XXXX unauthorized inquiries on my credit file. Made my score drop by XXXX points. I submitted a dispute with equifax and they sent back over the results stating that the inquires are factual. I never authorized the companies I disputed permission to pull my credit file. I had a preapproval and only wanted to use XXXX XXXX. I only needed proof of my income and proof of my residence to obtain the vehicle. Why would I go through the hassel of applying to other companies when I had spoken with a lender and had an approval. The dealership did not have my permission to submit no deals on my behalf to any of the companies listed in my inquiries. I explained to them what I wanted and asked if they could not abide by the approval, let me know and I would move on. Each XXXX told me that they could submit my approval with a car and give me the final structure. Then I would get all kinds of emails stating that I had new inquiries. I never signed a credit form and never gave permission to anyone. I am attaching a copy of my preapproval.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you examine the documents? There are some accounts listed with inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am reaching out to contest the inclusion of this bankruptcy in my credit report. The filed and reported dates, along with the closing dates, are not in sync. This is alarming as I possess a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Debt collection

This company has intentionally posted personal medical information across the internet on multiple occasion. Wakefield & Associate has intentionally posted fraudulent claims to my credit report stating that I owe the company. There was never any documents or paperwork sent over to me stating that I had an option to validate this claim. I've never done business or have I ever signed any contractual agreement or documentation with this company. XX/XX/XXXX at XXXX there was a certified letter ( XXXX XXXX XXXX XXXX XXXX ) signed for at the company front office requesting removable of this information from my credit report. 


1 ) Could you provide the name of which company that is intentionally sharing, posting private and personal unauthorized release of information to a public site where anyone can review, gain and obtain of personal information. 

2 ) Could you provide the name of which company that is intentionally using a direct sign of intimidation with bogus claims with a direct violation if HIPPA 3 ) Could you provide information where your company notified me by phone by law, which clearly states that your company has to give me five days to respond before posting this false and inaccurate of information to my credit profile 4 ) Could you provide information where your company sent out letters to me stating that I can request a validation of this debt 5 ) Could you provide me with proof that there was indeed a contractual agreement between myself, and Wakefield & Associates signed and dated with both my signature and also Wakefield & Associates signature on it, stating that I agreed to pay this fraudulent debt to Wakefield & Associates. 

XXXX ) Could you provide the beginning and ending of this inaccurate service that I rendered from Wakefield & Associates with my signature and again Wakefield & Associates/Agent signature on it. 

7 ) Could you provide me with documentation that they went about the CORRECTED LAWFUL way under the Fair Debt Collection Practices Act of XXXX of warning me about my RIGHTS to validation in writing or by mail within the CORRECTED initial TIME frame by law. 

8 ) Could you provide me Proven Documentation that their company practices are not showing fraudulent purchasing of individuals personal information. 

9 ) Could you provide me documentation that your is not using methods of the UNJUST ENRICHMENT LAW 10 ) Again, I'm DEMANDING that my name to be disassociate with your company as well as this fraudulent information to be remove from my credit report, XXXX, and wherever else you might have my name associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX Date of inquiry : XX/XX/2021, XXXX Date XXXX inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit card

On XXXX/XXXX/2016 I was informed by XXXX that CitiBank made a hard inquiry on XXXX/XXXX/2016 to access my credit profile. Unable to receive any detailed information as to the inquiry via several phone conversations with Citibank, i filed a complaint with CFPB. I had not initiated any applications for credit. On XXXX/XXXX/2016, over 60 days later, I receive a letter stating that they are still unable to locate the source of the inquiry that was made. I then supplied them with a copy of the credit file report showing the inquiry in question along with the last four digits of my social. On XXXX/XXXX/2016, I receive a letter stating that on XXXX/XXXX/2016, Citi had received an application for credit in my name that prompted the inquiry and that said application for credit was denied. Citi states they will contact XXXX and modify the inquiry to a non-display inquiry. This does not fulfill what was requested in the original complaint. I have no copy, nor any details, pertaining to the fraudulent application for credit. Citi states that they will notify XXXX, however I request that they notify all XXXX reporting agencies since it appears on all XXXX, not just XXXX. I also request a copy of the credit application and all other details as to the origin of said application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX with no successful resolutionXXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX,XX/XX/XXXX XX/XX/XXXX / XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially reached out to XXXX XXXX XXXXXXXX XXXX regarding a mortgage inquiry but never gave them authorization to pull my credit. I never heard back from them regarding the initial inquiry and so inquired with another company. Upon hearing back from the other company I was informed that XXXX XXXX XXXXXXXX had indeed pulled my credit on XX/XX/XXXX. I tried to contact the company regarding getting this hard inquiry removed but was never called back or had any form of communication sent to me. Last time I tried to contact them was today, XX/XX/XXXX
Product: Checking or savings account

They said it can take up to five days. Its been 8 days. I should have that XXXX in my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter to MBA LAW in regards to a collection account I noticed theyre reporting on my credit report. Validation is now requested.
Product: Credit card or prepaid card

The card won't let me activate it. I can't get my money or do anything with it.
Product: Vehicle loan or lease

Was approved for loan but it did not offer a service contract Called dealer and they asked me to come in as they could only do the contract since the dealer. I went in with my approved loan and than after sitting there for quite a while and getting a notification my credit was checked by the dealer and Mercedes financial 4 times I asked what was going on. It was a steal the deal or a bait and switch. Maybe because I am a XXXX year old woman. I was than contacted about doing a new application as I had been out of town and they said they needed a new one. They sent me a contract we talked terms - -years payment $ XXXX something and title papers as well. Then on XX/XX/year> they call and say I am rejected. I told the about my problem with the dealer XXXX XXXX XXXX Ca. and I wanted to dispute. They had me send in paperwork with I did on XX/XX/year>. No reasons given. I imagine due to their people pressing me to do contract with XXXX when I already ad one with Mercedes financial who than canceled my approval.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Thought I was financing {$2.00} XXXX, but later found out that it was a lease and payoff is {$6300.00} for a {$2600.00} puppy
Product: Mortgage

I responded to an email alert on my online banking site, it was information regarding the Cares Act forbearance program. I clicked on the email. and the response was that I qualified for the forbearance program, and was automatically enrolled and my next mortgage payment was not due till XX/XX/XXXX. I called Wells Fargo immediately to get more information as to what they had enrolled me in. I was told that due to Covid 19, they were allowing 90 days payment relief, and the missed payments would be tacked on to the back end of the loan, and would not effect my payment history, nor would it be reported, nor would it affect my credit score. close to the end of the 90 days, I was sent another email saying that if I wanted to further extend my forbearance, I could go another 90 days. I again contacted Wells Fargo, and made it clear I did not want to extend, and would resume my payments on XX/XX/XXXX. I made it very clear that I was concerned about the language on my past three statements regarding late payments, and the possibility of foreclosure proceedings. I was told that by making the normal monthly payment on XX/XX/XXXX, they would automatically remove me from the program. I have made the full XX/XX/XXXX payment, also the full XX/XX/XXXX payment yet, I am still showing as 3 missed payments on my statements, and still receiving threats of foreclosure in every statement. Interesting enough, after I made the XX/XX/XXXX payment, I received an email from Wells Fargo stating that I had been enrolled in the extension program for another 90 day forbearance. Again, I contacted Wells Fargo and demanded for them to take me off the program, correct my statements to reflect being current, and I wanted to see where the payments were added to the back end of the loan. I was told I would receive a letter explaining the procedure, and that now, I would have to sign for a new loan for the missing three payments, and that the new loan would coexist with the current mortgage. None of this was in the original description they gave me, and I was told that it was a fluid process, and that in the beginning, there was not a clear picture as to how all this Cares Act program was going to be handled. I have not received any letter, and I am still getting monthly statements reflecting delinquency and possible foreclosure proceedings if the full lump sum was not paid in full. I am concerned that there is a lack of transparency regarding this situation, and I am very concerned about the safety of my rights, and my home ownership. 
I would greatly appreciate some advise as to my rights, and as to where I can get help to protect my home. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that ONEMAIN have placed an inquiry on my XXXX  and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested ONEMAIN and XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural  person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  XXXX Balance : {$170.00}.
Product: Debt collection

Portfolio Recovery Associates has been calling me constantly on XXXX different phone numbers, maybe other numbers as well as my phone never stops ringing. I 've called all XXXX numbers back asking why they keep calling me. They want my name which I wo n't give them. I ask them who they are calling and the woman was very nasty and would not give me a name. She said she had to have my name. I know for a fact that I have nothing in collections and asked again why she was contacting me. She would not give me the name, she kept asking for my name. This company has been calling for months, several times a day. I do n't understand how they can call me and not tell me who they want to talk to. This is my house. I am tired of all the phone calls, they are harassing me and it has nothing to do with me. I never received any kind of letter in the mail regarding collections. I want this stop and do n't know how to get them to stop calling. I had another debt collector who continually called me. When I called them back asking why the calls they said they were looking for someone with the same last name as mine, however no one by that name lived here. They said they would stop calling. I ca n't believe debt collectors are allowed to contact people with the same last name on a constant basis and not even know they live there or not. Could you please assist me with stopping these phone calls. 
Thank you
Product: Student loan

The interest rates on my fixed loans increased from 8 % to 10 % after Navient improperly handled my loans and refused to fix the issue and credit the difference to my account. I also on XX/XX/XXXX requested my XX/XX/XXXX Tax Forms to where they sent XX/XX/XXXX and are still looking for XX/XX/XXXX. Their VP XXXX XXXX is in favor of predatory lending and mentioned to me personally that I should refinance through their new subsidiary XXXX. It is a monopoly on student loans with unlawful dealings and horrible customer service who 's managers have no idea who they report to are.
Product: Mortgage

Hello, Unfortunately I had a massive XXXX  XXXX  in late XX/XX/year>. I called US Bank Mortgage and requested a forbearance due to XXXX  issues that caused me to leave the workforce. I also lost my brother and mother in 2023 and had to assist in the funeral expenses. When I initially spoke to US Bank in XXXX they offered a quick 3 month deferment and explicitly informed me that my credit would not be reporting as delinquent due to the hardship. I even spoke to them in subsequent follow ups and was assured that my mortgage payments would not be reported as late. However, now that I am back in the workforce and in better health and want to get caught up on my mortgage payments -- they did exactly the opposite of what was prior informed to me and began reporting my mortgage as 90 days late. They tried to say they did mail me some documents stating that my credit would be impacted but then failed to prove that anything was certifiably sent. I am currently interviewing for a much higher paying position at a new organization ; but since this is a financial position -- I have been told that my credit is not sufficient for them.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a formal complaint regarding an incorrect debt entry on my credit report with XXXX. The debt in question is listed under the name " XXXX XXXX, '' but my legal name is " XXXX XXXX. '' Due to this discrepancy, the debt does not belong to me and should be removed from my credit report immediately. 

The account was reported by XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX. This inaccurate information is negatively affecting my credit and is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain accurate and reliable information. Incorrect names, even with slight misspellings, result in an inaccurate credit report and must be corrected.

Details of the Erroneous Account : Debt Holder : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$2200.00} Date Opened : XX/XX/year> Address of XXXX XXXX XXXX : XXXX, CA XXXX I have disputed this matter with XXXX but have not yet received a satisfactory resolution. The incorrect name makes it clear that the debt is not mine and should not be associated with my credit report.