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

I already have a active complaint, XXXX still does not allow me to even view my credit score, today I received a paper stating that I looked into a line of credit called thrive and I did not give them permission to do that. I cant see the inquiry but I have the paper. This is getting outrageous just last year. I had my credit fixed nice and good now all of a sudden Im getting all kinds of inquiries not one thing on my credit report that is showing delinquent is accurate none of the reports match each other and when asked to dispute the reporting agencies just say, its verified well I want to see 100 % without a doubt verification that I opened something because I did not just like I did not ask for an inquiry today. This is Atta control these companies just do what they want and people suffer The fair credit reporting act is just a joke to them well, I would like all of the negative items on all three of my credit reports disputed for inaccuracy and identity theft, because none of them are accurate. Theres a bunch of missing spots and all of them and its ruining my ability to obtain credit much less, put a roof over my familys head, in accordance with the fair credit reporting act and consumer law, if they are not able to fix all of the inaccuracy on my credit report, then I demand that they shall delete all inaccurate and delinquent accounts present on each of their respective reports thats including Experian, XXXX, and XXXX if they are unable to do this, I am prepared to sue over and over again Until this is rectified, and if they think I am not capable or that, I wont do it, they can go ahead and test the water, but I am tired of my reports being screwed up in accurate and full of whats potentially somebody running around with my Social Security number, and lets not forget child support I would like that removed as well because they have it listed as a loan and it is in fact not a loan not that its inaccurate and way behind so once again, I ask that all late payments be corrected to pay on time or removed from my credit report any open accounts that are showing a late payment or a balance should be removed posthaste any hard inquiries that are on my credit report. As of now were not authorized and should be removed. Any collection accounts should be removed because they all bare in accuracies any delinquent closed accounts that are on these reports also have inaccuracies should be removed, there should only be a XXXX card listed on each of these accounts other than paid in full closed down old accounts I have over 274 screenshots of inaccuracies, and I am prepared to sit here and upload every single one of them if thats what it takes to get everything fixed and if thats not enough, Ill show all the inaccuracies in a court of law And then I wont need credit. This is ridiculous that these companies can get away with this and these debt collectors just post stuff without even verifying it 100 %
Product: Debt collection

I went to vacation last month, and when I returned I checked my credit and I found several collections that were not mine. I tried reach out to the companies to to the credit bureau but they refused to look into the situation.
Product: Mortgage

Loan Number : XXXX Issue : The servicer failed to respond to the appeal of my loss mitigation application denial. I submitted a Notice of Error and servicers response again failed to address the lack of appeal. Further, the servicer has evaluated me for different products for XXXX loss mitigation applications. The first denial was due to income. I increased my income and re-applied shortly after and then I was denied for an investor restriction that the delinquency exceeds the maximum allowable amount. I am disputing that this requirement is an investor restriction and whether the servicer asked for an exception to the restriction. Further, I believe that the denial violates RESPA because it is not detailed enough. I want to know what the maximum delinquency is and what does the servicer allege my current delinquency to be. I am attaching all relevant documentation hereto.
Product: Debt collection

Continued robo-calls to old telephone number belonging to family member ; I assume they 're attempting to collect a debt which was paid in full 7 years ago. These calls do not state the caller 's name but "  Navient '' a ppears on  Caller ID. These  calls only state " call  XXXX   (  number varies ) ; no further info is provided. Sometimes the number provided for a call back is only  XXXX  digits so is an incomplete telephone number.
Product: Checking or savings account

On the 1st of XXXX, 2021, I applied for the XXXX XXXX checking account, but for all intents and purposes a savings account. My application was rejected without any reason. I explained that I have a very good credit score and I hold a XXXX XXXX XXXX XXXX with the XXXX XXXX. Also, there should not be anything negative in my background check, therefore the information they used to identify me must be incorrect ( I identified myself using my US passport and the SSN. ). The customer service representative refused to provide any details on the subject nor take steps to investigate and correct the information that I disputed. 
In addition, the bank refused to provide me with an adverse action notice, except for allowing me to take a screen shoot of the online application denial ( which I have attached to this complaint ). This does not provide the name or contact information of the checking account reporting agency on which data the bank made their decision. At the highest level of customer service support available to me, I was refused my right to know what specific information submitted on their website triggered their decision to deny my application and was not allowed to know the name of the company that provided the data to check the veracity of my submitted information. The most specific information I could get was that the decision is done by a system process and subject to internal review, not available to me. I was expressly denied any opportunity to speak to someone that my review my case or allow me to prove that the information they have about me is incorrect. Because of these, I believe the bank did not treat me fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan still shows open on credit report. Contacted lending club. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.
Product: Credit reporting or other personal consumer reports

I inquired about on late payments being reported on my account to the company and made a request to have them removed as they were hurting my credit score and then on XX/XX/year> they wrote me a letter in which they stated upgrades that were to their system caused system errors on reporting on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX XXXX AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Product: Debt collection

I received a Corona alert on my phone, stating customer during this time please make it a priority to return this call. Since I have been hearing so much about the phone companies putting alerts and notifications on the phone I thought it was something stating that I had been exposed to Covid or something. My heart was racing. I called the XXXX Phone number and it was comenity bank. This is an underhanded tactic, during this time no one should be allowed to do this. 


Map of XXXX XXXX, KS US XXXX XXXX, KS US Corona Alert Customers during this time please make it a priority to return this call at XXXX. Again that number is XXXX.
Product: Credit reporting or other personal consumer reports

Experian 's handling of my dispute reveals a concerning bias in favor of businesses over consumers. They initially posted unverified information, demonstrating a lack of due diligence. Only after I filed a complaint did Experian initiate verification with the business. While the business initially attested to the accuracy of the information, further investigation through the Consumer Financial Protection Bureau ( CFPB ) uncovered uploaded documents that raise serious questions about the thoroughness of their investigation. Specifically, the authenticity of the electronic signature on these documents requires further forensic analysis. 

To ensure fairness and accuracy in credit reporting, I recommend that Experian : - Mandate verification of all information before posting to a consumer 's credit report. This proactive step would prevent the dissemination of potentially inaccurate data and protect consumers from undue harm.

- Conduct thorough investigations of consumer disputes, including scrutinizing all evidence and documentation. This should involve a more critical evaluation of information provided by businesses, rather than accepting it at face value.

- Implement a more balanced approach to dispute resolution, ensuring that consumers have an equal opportunity to present evidence and challenge inaccurate information.

By adopting these measures, Experian can promote greater fairness and transparency in credit reporting, fostering trust among consumers and businesses alike.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Customer Service, I am writing to request the immediate blocking and deletion of all fraudulent accounts and inquiries that have been reported on my credit file due to identity theft, stemming from the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove this fraudulent information from my credit report once notified. 
The accounts and inquiries in question are as follows : Fraudulent 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 XXXXXXXX - XXXX Unauthorized Credit Inquiries : XXXX - XX/XX/year> To facilitate this process, I have provided the following documents to verify my identity : A copy of my government-issued ID Proof of address ( e.g., utility bill or bank statement ) A copy of a police report or FTC Identity Theft Report Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID PROOF OF ADDRESS SSC FTC
Product: Checking or savings account

XXXX XXXX  to previous agreement began to charge monthly account management fees every month starting XX/XX/XXXX until and including XXXX XXXX i complained to the bank XX/XX/XXXX by phone when i discovered the charges and it PARTIALLY refunded the fees, but still has not refunded {$180.00}, which they still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addtl inquiries were made to Experian which had not been authorized, reducing my Score. I contacted Experian 's main office which said would delete those inquiries if got letter from reporting company, to the fact. This was done, however, Experian did not increase the Score back as promised. 
Further, I complained about them showing " Few accounts paid on time '', when an account with XXXX had been paid on time and closed ( this they did not even show on report ) and also the fact that a new car XXXX  was traded 3 months later ( payments made ) for another new veh. ( a XXXX ) which unfortunately got hit by drunk driver and totaled before I made a first payment but got paid off by insurance company. They did not show as these were paid on time regardless of circumstances- which incidentally Experian also shows " Lack of Recent Non-Mortgage Infor '' which is not true. My efforts went nowhere with them, as instead of upping my Score, Experian reduced it from XXXX from prior months all the way to XXXX. I also paid down my credit card by {$3600.00}. last month since they had claimed it was too high, and now the penalized me for reducing the amount. 
Please note in 20 plus years I never made a late payment, no bankrupcies, or liens. 
Perhaps Experian has been allowed too much control which is not been fair to excellent records from people like me. 
I believe the government should do an overhaul on their practices. 
NOTE : How could one get credit anyway if inquiries are not been made- so why should this aspect matter. 
Wher
Product: Credit reporting or other personal consumer reports

I received a new copy of my credit report a week ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX put an Account Review Inquiry on my TransUnion Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.
Product: Debt collection

On XX/XX/2020 Afni collections sent me a collection notice for account I never had. They said creditor was XXXX XXXX XXXX. Creditor account number XXXX. {$480.00}. XXXX. 
The letter has an incorrect address for me. 

I have never had an XXXX XXXX XXXX  account. 

I want Criminal charges brought against afni and XXXX XXXX XXXX. 

I demand to know who opened this account with XXXX XXXX XXXX fraudulently using my name. 

This is fraud. I need this off my credit report.
Product: Prepaid card

I have a prepaid Citi Visa debit card from XXXX, XXXX XXXX which expired with {$50.00} on it on XXXX 2016. According to the Consumer Financial Protection Bureau, this card should be replaced with a like card or a check. I contacted Citi Card Services on XXXX XXXX XXXX to ask for a replacement card XXXX with the instructions on the CFPB website. I spoke to XXXX ( employee ID : XXXX ). He said they would not honor the card or issue a replacement regardless of what the CFPB said. The address he gave for Citi Credit Services was XXXX XXXX, Pa XXXX.
Product: Credit card

I made a {$2300.00} purchase. The next day I paid that amount off as I pay my balance off every day. My credit limit is XXXX so I make sure to pay off my card every day so I can continue to use it daily. They put a XXXX  day hold on my payment for some reason and now I can't use the card!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage in early XXXX of 2019. Upon doing this, I was told that my information on my credit report from Equifax was wrong. They had my maiden name as my first name, and my first name as my last name. I called them and they told me what documents I needed to send in to fix it & to update my address. I got all of the documents and faxed them in. I was told 7 to 10 business days. After 7 business days, I called to check if anything had been done. Nothing had been. I told them it was for a mortgage and time was of the essence & they said they would put a rush on it. During this phone call I was informed that there was another file in my correct married name, so they would have to merge the accounts. I called back multiple times, getting a different person each time, having to explain the same thing everytime & being told it would be fixed everytime. It was too late to use my equifax credit rating for the mortgage. I wanted to apply for a line of credit. I called again to check and see if any progress had been made. I was told that everything was done, so I called the bank for my line of credit & they did a hard credit check on me. Turns out my files had been merged, but my name was still incorrect, which was the very first reason I needed it fixed. I was denied the line of credit because of incorrect information on my account, and it counted against my otherwise good credit. I called Equifax again, explaining to them, that they had not fixed the issue that I had explained to them so very many times & that they had told me was, indeed, fixed. I was told that another claim to fix it would be submitted, with a rush on it because it was for a line of credit. They told me 3 to 5 business days. I called today for the literal 20th+ time. I was told that only 2 claims were submitted, I was told everytime I called that a claim was submitted, one XX/XX/XXXX and one XX/XX/XXXX, both of which were only to merge my files. Neither one to change my name, which I stated was the issue every single time that I called, which i was told by multiple employees was going to be fixed. Today there were two more claims submitted, so I am told. One to change my name, and one to change my address. I have never been so frustrated and so at  my wits end in my life. I asked multiple employees on multiple occasions why nothing had been done, when I had done everything required by me to fix the issue, and none of them had an answer for me. The service I have received from them has been nothing less than incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent dispute letters to XXXX, TransUnion, and XXXX disputing several accounts that I believe to be innaccurate erroneous or outdated and haven't heard anything back on the investigation. Also mailed out to them again on XXXX asking for a response or comply.
Product: Vehicle loan or lease

XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, SD to purchase a newer vehicle. I fell in love with the XXXX XXXX XXXX I test drove and now am the owner of that car and have been since that day. I was guaranteed financing by XXXX XXXX the sales person I had but when I got there they had issues finding financing for me due to my bad credit history. Ultimately I was still able to get the car as they said Santander Consumer USA would finance my car. Weeks later I was getting harassed by the finance guy I had ( can not remember his name ) by telling me I lied about my income which I did not in any way ( I was just starting a new job in XXXX at an XXXX XXXX XXXX authorized XXXX XXXX and was offered and accepted the job for $ XXXXhr plus XXXX XXXX commission. Saturday night, a day and a half before I was going to start, my manager calls me at XXXX to let me know my pay was not going to be $ XXXX/hr and it was going to be $ XXXX/hr and XXXX XXXX commission. I was trapped by that awful company and had no other choices as I turned down the other employment offers when I had taken this one at XXXX/XXXX  and XXXX XXXX   commission and had my new car to pay. ) I informed the finance guy I was working with and sent proof of the severe pay decrease. A couple weeks later I had not received the check to pay the tax on my car at my local DMV when I bought the plates and my temporary dealer licence window paper expired and the dealership told me to still drive it even though it is illegal. The financing guy told me they were having a hard time getting santander to finalize the auto loan and it took a couple months. Santander Consumer USA and XXXX XXXX asked me to pretend that my coworker with the same job title and position I had pretend to be from the hr department to verify my employment as my store manager was off that day. I did not do that as it would have been fraud. A few days later I got a DENIAL letter from Santander Consumer USA for my auto loan and I called to inquire about it and was told by numerous employees they had no record of me being sent a DENIAL letter or any reason I would have received one. My interest rate is over 20 % and awful and I am a victim of these predatory lending practices. I was given a loan with payments I could not afford. Nearly {$420.00} minimum payment to cover the interest and very little principal. I was making $ XXXXmonth after taxes and I am a single mother and sole provider of XXXX   children I have 100 % of the time with no shared custody or visitation. I was also called a piece of XXXX customer by XXXX XXXX the General manager of XXXX XXXX in the stores lobby in public at a table and asked what he could do to never get me to be a XXXX XXXX customer ever again. I was crying and bawling in the lobby at the table in public at XXXX XXXX in XXXX XXXX, South Dakota. I need your help please!!! I have defaulted on my santander consumer usa auto loan a few times including my very first payment. also, the finance guy I worked with at XXXX XXXX forced me to buy the service contract and said if I did not get it, I would not get any approved financing and that is not legal.
Product: Payday loan, title loan, or personal loan

Opened a HELOC in XX/XX/XXXX with an initial draw with a fixed rate of 5.49 % over 5 years for {$40000.00}. A month later i took an additional {$20000.00} ( non-amortizing ) under a 6-month promo rate of 4.49 % that reverted to 7.25 % on XX/XX/XXXX. On XX/XX/XXXX I attempted to make a payment of {$20000.00} to pay down the {$20000.00} draw that had a higher rate, however by default the payment is applied to the oldest draw, not the draw with the highest interest rate. I believe this would fall under the Card Act ( pursuant to Reg Z ) which requires institutions to apply payments to the highest interest rate segment of a credit extension. 

I spoke with the bank and customer service said they were unable to apply the payment in this manner. My personal banker spoke with a rep from XXXX XXXX who can apply it manually however I fear this is a systemic issue that is leading to undue interest income for the institution at the expense of less-informed borrowers. Standard practice should be to apply payments to the draw with the highest interest rate first ( one monthly P & I has been satisfied ). I also wonder if this would additionally fall under UDAAP.
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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX 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 XXXX5 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 XXXX 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.