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

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX AND XXXX XXXX XXXX XXXX  # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Mortgage

I requested a loan modification for my mortgage, which was offered on XX/XX/year>. The terms included a 2.5 % interest rate, a XXXX term, and a new monthly payment of {$1400.00}. I accepted these terms upon receiving the offer, but delays in mail meant I only became aware of it on XX/XX/year>. I denied a previous, unfavorable offer from XX/XX/year>, during a call on XX/XX/year>. Since then, Village Capital has inconsistently processed my application, requesting additional documentation despite previously acknowledging that my application was complete as of XX/XX/year>. I have repeatedly tried to clarify the situation with Village Capital, but have received conflicting information and poor customer service. I am concerned that there may be retaliatory actions affecting the processing of my modification.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I froze my credit with Equifax. When I froze my credit, I was given an unfreeze PIN that was supposed to be required in order to unfreeze my credit. When I went to unfreeze my credit, I was prompted to create a myEquifax account. The account creation process didn't require information beyond the normal info used to pull a credit report ( Name, Email, Address, Phone, DOB, and SSN ). Once I created the account, I was able to unfreeze  my credit but myEquifax didn't ask for my unfreeze PIN. 

I was able to unfreeze my credit using only the info that would normally be used to pull a credit report. The credit freeze doesn't appear to have provided any meaningful protection against identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Transunion, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Phone number : ( XXXX ) XXXX Birthday : XX/XX/year> Current Employer : XXXX XXXX XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Transunion but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears to have been opened in my name without my authorization. I am a victim of **fraud** and believe that the account listed below was opened fraudulently. As such, I am requesting that you **close** the account and **remove it from my credit report**. 

Date Opened : XX/XX/year> Balance : {$8600.00}
Product: Credit reporting

XXXX XXXX, 2014 XXXX XXXX pulled my credit XXXX times without my permission. I have a consumer statement attached to all credit files stating that all creditors have to verify my identity before using my credit report ( inquiring ). All XXXX credit bureaus allowed XXXX to pull my credit numerous times when I consented verbally to only XXXX. I have written letters to XXXX of the creditors with a certified mail receipt. XXXX of those companies want my personal information to verify my information now ; ( although they never bothered to verify my information to pull my credit in the first place ) otherwise they will not do anything to remove inquiries that I did NOT authorize. Because I 've been a victim of identity theft before I specifically told XXXX XXXX to pull my credit only XXXX, XXXX of my credit reports has a total of XXXX inquiries from this day and it is hurting my credit. All XXXX bureaus tell me to put a fraud alert on my file, which is fine ; the only problem is that their not helping to remove hard inquiries that I never allowed. Then I 'm told they will " Fall off '' after XXXX years. Anyone trying to access my credit file should have adhered to my consumer statement and they completely ignored it, all XXXX bureaus allowed them to do whatever they wanted. I would have NEVER bothered with the statement if it was n't going to be adhered to ; whats the point? I need help with this matter and nobody seems to be able to help me ; I never allowed that many companies to pull my credit, I never would because I know better ; yet I 'm suffering the consequences and surely it will affect my ability to purchase a home next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you ( US Bankruptcy CT MD XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  - DATE OPENED XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account XXXX : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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

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 XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and 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: Debt collection

On XX/XX/2024 I paid my capital one account off in full and requested a pay to delete letter and for late payments to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX Now and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my XXXX  and TransUnion credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I attempted multiple times with pre approved selections credit karma posted for me and received denial after denial making my credit score plummet.
Product: Student loan

I strongly suspect that my loan servicer has sold my private information to scammers as I have received numerous text messages and calls over the last few weeks regarding illegitimate offers to " forgive my student loans ''. I never signed any document agreeing to allow my servicer to share or sell my information. This is a clear breach of my privacy as their client and it should not have happened in the first place. These scam organizations should not have access to my phone number, the name of my loan servicer, nor should they be privy to the fact that I have a student loan at all. A sampling of some of the text messages I have received are included in the attachments.
Product: Checking or savings account

On XX/XX/year> I was driving to XXXX University on the New Jersey XXXX to have lunch with my grand-daughter when I received a text message from Wells Fargo asking if I recognized a recent fund transfer from my credit card to my savings account in the amount of {$2600.00}. I replied that I did not recognize the transfer. The text message looked genuine to me. I received a second message indicating that a fraud agent would be in contact with me shortly. I then received a phone call on my cell phone from an individual stating that they were a fraud agent with Wells Fargo Bank. The caller asked me several questions in an attempt to identify me such as my name, address etc. Then they asked specific questions such as my password. I gave them my password and then they advised that they would send a link to my phone and it is going to have verification number on it. The verification number came up and I gave the caller the number. The caller then tells me that I have to go to a Wells Fargo branch and I was to withdraw {$11000.00} from my personal checking account then they will send me a new account number ( Virtual Account ) to deposit the money into. 
I went to the ATM and deposited the first {$3000.00} into the ATM ( it would only take XXXX bills at a time ) I printed out the receipt ( Last XXXX digits of account # XXXX ) I printed out the first receipt and the caller told me not to print anything out and to erase the account number when finished. The caller advised that they would overnight a debit card to my home address. When I got home, I checked my email for the receipts from the four deposits and they were not there. Shortly thereafter I received a phone call from my grandaughter advising that she checked the phone number that the caller gave me and it was associated with a fraud scheme. This was aroung XXXX so I waited till the next morning and personally went Wells Fargo XXXX in XXXX New Jersey and they opened a fraud claim.
Product: Vehicle loan or lease

In XXXX my husband and I contacted XXXX XXXX  XXXX to purchase a truck. We have purchased several trucks from them. On XX/XX/XXXX, my husband and I contacted XXXX XXXX  XXXX and agreed on a vehicle we wanted to purchase with our trade in. We made an appointment to go to the dealer on XX/XX/XXXX. We ultimately purchased the vehicle on that Saturday, XX/XX/XXXX.  Upon reviewing my credit report, I learned that XXXX XXXX XXXX had made an inquiry into my credit report on XX/XX/XXXX. This was prior to : 1 ) walking into their dealership. Communications were by email and phone ; and 2 ) Signing any documents allowing them to pull my credit report for financing purposes. I believe this practice is illegal. They had our information due to prior purchases at this dealership. However, until documents are signed, I believe that they do not have the right to look into my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts currently showing and listed on my Experian and XXXX credit report are lost/stolen credit cards : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is here to follow up on these accounts to be removed or blocked as soon as feasible : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting

Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..
Product: Debt collection

This is concerning I Q Data international and their employee, XXXX. I noted XXXX XXXX bias position and pointed it out, because I did not get a chance to make my plea or give my side of the argument ( the property in question is XXXX XXXX apartment in XXXX, GA, ) and he was contentious from throughout. i pointed out that fact and how i felt about it, and XXXX told me, well, youre the one who needs an apartment, implying that im screwed or something. 
i thought about leaving it there, but i had to make sure that he was actually implying that, and that he was purposely being flagrant about it, so i made it obvious that i needed his name ( still, hoping that im probably taking it the wrong way. XXXX did not care. he stood behind his condescending comment and doubled down. i called and was told that doing this complaint online was the fastest way to get a response ; i am sincerely hoping that its true. i wont stop until someone explain to me why i had to be treated in such a belittling manner. 
last, but not least, i was never noticed. i have XXXX XXXX XXXX XXXX XXXX yet nothing came from IQ data international to my mailbox. not one mail.
Product: Mortgage

Started a construction-perm loan with Flagstar Bank in XXXX of this year and was working with a particular loan officer. We had a pre-approval letter based on income even though my wife was currently on worker 's compensation. Part of the loan requirements was for me to pay off the current mortgage on the property. I had several emails back and forth asking that everything was a go before paying off the current mortgage. Got confirmation to pay off mortgage, then everything went south. They replaced my loan officer due to loan processing errors and problems with her paperwork, which has been confirmed and stated to me multiple times. After this, they came back with a laundry list of more documentation that no one would be able to supply or satisfy. They eventually denied the construction loan, even though we were starting the permit process. I tried to reach out to a supervisor to get this handled quickly but no one seemed to be interested in fixing a mistake their employee caused. All I wanted was them to reinstate the original loan and we would regroup. But again, they don't seem to have an interest in returning phone calls or emails. They were deceptive in how they handled this loan application and have caused me to payoff a mortgage XXXX and a half years early.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I first became aware that there is XXXX Credit card opened in my name when I received letter from XXXX XXXX dated XX/XX/XXXX, stating that my account has been closed due to continued security concerns Shortly after I received another letter dated XX/XX/XXXX where it looks like some activity initiated from XXXX has been stopped. After this I received a statement and request for a payment from XXXX XXXX   in the amount of XXXX. 

I called them immediately and reported this as a credit card fraud and possible identity theft. I have provided as much information as I could at a time and they conducted their investigation. On XX/XX/XXXX they informed me that they can not find any bases to support my claim and that i must start repaying. 

I called them and they reopened investigation, and apparently still found no bases. I called them again and had lengthy discussion with their supervisor ( XXXX ) He did not provide much information to me on which they based their decision. I was able to get few things from him. First several payments were made to them, mostly by money order, but one by bank transfer ( he would not say what bank or whose name was on bank ), they mailed a number of statements to the address I verified ( first time I heard of the bank was from XX/XX/XXXX correspondence ). I requested information verbally and in writing but nothing was ever provided to me. 

Since then I have filed Identity Theft Report with Federal Trade Commission and signed up for XXXX  Protection Now my credit scores are going down and I started receiving harassing phone calls from bank collectors.
Product: Credit card

XXXX Comenty credit card with XXXX deferred interest is applying payments over the minimum payment amount to recent purchases with a higher interest rate as opposed to older charges ( with a lower rate ) where the promotion is set to expire on those older charges exposing me to the accrued interest on those older charges. What is to prevent this card company from continuing to raise the interest rate on new purchases and applying payments made over the minimum to those newer purchases first instead of applying to older purchases which are subject to expiration of the promotional rate. This is a duplicitous and deceptive policy if in fact unregulated. If legal this gives credit card companies immense power to confuse, manipulate, and dupe consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to www.equifaxsecurity2017.com, my information such as SSN, date of birth, full address and maybe even driver 's license number got into hands of currently unknown, malicious third parties. This is in clear violation of the privacy standards credit reporting bureaus like Equifax should be held up to. 

To add insult to the injury, Equifax is unethically and potentially illegally trying to " opt me out '' of potential class action lawsuit if I sign up to their credit monitoring services. 

This is ridiculous. Equifax as a company and executives responsible for poor security engineering decisions personally should be punished to the full extent of the applicable law.