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

On XX/XX/2023, I received a notice from XXXX of a hard inquiry from Capital One Bank which I did not authorize. This notification came as a surprise to me since I have not requested any financial products from Capital One Bank or any other bank on those dates nor have not been on the market requesting any other financial products from other institutions. I contacted Capital One Bank and did nothing to assist stating that the issue must be addressed and resolved by XXXX. I then communicated with XXXX and said they were going to address this situation and send the bank a notice to correct and remove the inquiry. Days later I then follow up with both XXXX and Capital One Bank because the inquiry was till showing up and nothing was done to assist me. Again I communicated with XXXX and they stated that they were going to take action but I had to wait 30 days from the date of the inquiry was made for the information to be corrected when my monthly credit report refreshed. After 30 days I call again XXXX and a person from XXXX 'assisted ' me and said that no action had been taken and that I needed to go to the local police to make a complaint. 

I need my credit report to be corrected because Capital One Bank has not done nothing to correct this inquiry and XXXX has not been proactive in resolving my issue either, giving me three ( 3 ) different versions of steps to be taken to correct my information however, nothing has been done. 

I do not have any relationship with Capital One Bank and have not submitted requests to be considered for their products.
Product: Credit reporting

I attempted to get my free annual Experian credit report on-line and failed due to the obscure security questions that were asked. After failing to get the free report, the system showed that I had received it ; however, I did not receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was married my Husband and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. XXXX XXXX Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court Divorce in XXXX. My Bank account with Bank of America Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.XXXX XXXX sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. XXXX XXXX called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The XXXX XXXX Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By XXXX XXXX that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked XXXX XXXX why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also XXXX XXXX XXXX is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. XXXX XXXX is a Scam Business. Just like that Bank Of America Bank.
Product: Mortgage

Hello, I recently attempted to refinance my home mortgage to take advantage of these low interest rates and to help reduce my monthly payment. However, after speaking with my loan officer it became apparent that a couple late mortgage payments I had in early 2020 were negatively affecting my mortgage offers and severely impacting my credit history. I was unaware at the time that I had an option to take a forebearance on my mortgage to help me avoid these impactful hits to credit. I, along with countless others at the time early in the pandemic, were not in a good place financially and that assistance could have been tremendously helpful, had it been offered to me. It is my belief that my mortgage company Suntrust ( Truist? ) should have reached out to me specifically for this relief. I spoke with several Suntrust reps on the phone to make my late payments in XXXX, XXXX, XXXX, and XXXX and I was never offered that assistance, even though I was clearly struggling to get out of the late payment cycle. I hope you are able to look into my claim and if possible find a reasonable remedy to help alleviate these late payments that are negatively impacting me to this day. Thank you for any and all of your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom this may concern : I am writing you today because well over 30-days I sent in a detailed letter to TransUnion requesting that they investigate false collections accounts that does not belong to me but were reporting on my credit account. I asked for the results of the investigation in clear details via letter and my request was unmet. 

This information is a violations of my right under federal laws 15 USC 1692 ( g ) ( a ) " Validation of debts ''. 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) " Notice of results of reinvestigation '' and lastly 15 USC 1681i ( a ) ( XXXX ) ( A ) ( XXXX ) " Treatment of inaccurate or unverifiable information ''. I've tried to settle this with TransUnion for months now but they refuse to send me the information that I've asked. 

My rights are being violated and they are not living up to their standards of guaranteeing complete fairness and accuracy of credit reporting under the FCRA. Please assist in anyway that you can and I greatly appreciate it in advance.
Product: Credit reporting or other personal consumer reports

Capital one never sent me the periodic statement along with the disclosures from section 1637b i have requested proof that this information be mailed are delivered 21 days before the payment due date and this information was requested in good faith pursuant 1002 and it was never provided
Product: Credit reporting or other personal consumer reports

Experian i have reported your company to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  for reporting inaccurate information on my credit report. XXXX XXXX has all documents proving that this account was never reported as a collection/Charge off. When I had this loan with XXXX XXXX XXXX all my payments were made on time. Your in violation for reporting inaccurate information on my report for over XXXX  year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to know that I missed the payment on my account due to my being seriously sick and XXXX. I have lost out on job opportunities because of these late payment remarks. 

This is ALL because of the XXXX. I also could not close a home for my family due to this situation. I am really depressed
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just saw the response from Transunion regarding a previous account dispute. XXXX removed the information as they received the documents pertaining to fraud. XXXX XXXX IS A FRAUD ACCOUNT AND IS NOT MINE. THAT BALANCE OF {$11000.00} BELONGS TO SOMEONE ELSE, I WOULD HAVE PROVIDED FEEDBACK MUCH SOONER IF I SAW THE RESPONSE SOONER. XXXX XXXX WITH THE ACCOUNT THAT HAS A CHARGE OFF OF {$11000.00} NEEDS TO BE REMOVED. NOT ONLY DO THE POLICE REPORTS SHOW IT IS FRAUD THE AFFIDAVIT SHOWS FRAUD EVERY DOCUMENT I HAD TO SIGN AND SEND IN SHOWS FRAUD. MY IDENTITY REFLECTS OTHER INDIVIDUALS THAT ARE POPPING UP ON THE DARK WEB. THOSE NAMES OF THE INDIVIDUALS HAVE BEEN PROVIDED AS THE POSSIBLE SUSPECTS. I AM THE VICTIM. REMOVE THE XXXX XXXX ACCOUNT FROM MY REPORT OR MY NEXT ACTION IS TO UTULIZE MY MEMBER BENEFITS THAT I PAY FOR LEGAL ACTION AGAINST TRANSUNION. I SPOKE TO THE COMPANY MYSELF AND YOU KNOW WHAT THEY ARE BASING THE VERIFIED INFORMATION OFF OF? THAT A LETTER WAS MAILED TO MY HOME. THAT IS NOT SUFFICENT EFFIDENCE TO SAY ITS VERIFIED. PLEASE REMOVE THE XXXX  XXXX ACCOUNT FROM MY REPORT AS FRAUD RELATED. IF YOU NEED ANY FURTHER DOCUMENTS I WILL BE MORE THEN HAPPY TO PROVIDE THEM. THANK YOU
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) | XXXX - {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX  | XXXX - {$2700.00} XXXX | XXXX - {$0.00}
Product: Checking or savings account

I received a SBA loan as a self-employed individual ( XXXX XXXX ). SBA was aware of my status when the loan was approved and issued the funds. I received the funds in my personal Chase checking account and a couple of days later Chase froze my account, including funds previously held in that account and unrelated to the SBA loan.

I provided my 2019 income tax and Schedule C as proof to no avail.
Product: Debt collection

I contacted XXXX XXXX about a debt for capital one credit card. I told them this was not my debt and that they needed to send me a verification letter and they have yet to do that.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to complain about Affirm XXXX Inc. for an erroneous {$1.00} they are attempting to collect as an " unpaid balance '' in the form of additional interest even though I made the payment for the remaining balance of the loan on a scheduled and specified date WITH THE CALCULATED INTEREST FOR THAT DATE - and AHEAD of schedule. This is NOT the first time they have attempted to charge me additional interest because of payment processing and I am XXXX  of them trying to XXXX charge me interest for a payment I WAS SCHEDULED TO HAVE COMPLETELY PAID OFF. THEY ARE EXPLOITING THEIR CUSTOMERS JUST TO MAKE AN EXTRA DOLLAR OR XXXX AND THEY WILL HAVE TO PRY IT FROM MY XXXX XXXX XXXX HANDS. In fact, I am ahead of schedule on the loan and see no reason to be charged interest when I made the payment ahead of the scheduled monthly due date as well. They are trying this with the wrong person. I HAVE HAD ENOUGH!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the Equifax breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to experian regarding an account with XXXX XXXX ACCT # XXXX {$130.00}. The dispute was issued online electronically ok XX/XX/22 on XX/XX/22 experian stated they spoke to The company and they said the account is mine. Heres the thing I spoke to We financial and they sent me a letter mentioning the account isnt mine, they also Mentioned they never spoke to anyone from experian, on top of that this account has been removed by XXXX and XXXX Im simply asking for a removal of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 reportings on my credit report the month of XXXX for XXXX XXXX bank and XXXXXXXX XXXX  that are incorrect. I did not reach out to either of these banks for anything.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXX 2021.
Product: Debt collection

This debt is not mine. I never had any contract with this company. Have reached out several times to have this remove from my file. They never sent in documentation or contract when asked for proof. This is causing me damages and will litigate if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX, XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX account # XXXX, my rights have been violated 15 U.S.C 1681 section 602A states that I have the right to privacy 15 U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish account without my written consent Agency attached 2 hard inquiries on my report to which I have no knowledge, XXXX XXXX and XXXX
Product: Credit card or prepaid card

I was told by a verizon representative that with the a new verizon visa credit card i would received {$10.00} credit per eligible line if i acquired the credit card. I checked with verizon rep that my lines were eligible. I have 4 lines. Thus - should be {$40.00} credit for all lines combined. When my first bill was paid with Verizon visa - no credit. After many calls - no one can answer my questions as to why there is no credit. Plus, on XX/XX/XXXX - a verizon agent told me that I would not get a credit with a verizon visa credit card - i needed a verizon visa debit card - which they dont even issue. 
Once again verizon is promoting products they have not educated the rest of the company on and promoting dishonest product selling lending practices. 
Interesting though, their current marketing material doesnt seem to have this information anymore. So, it looks like i was lied to in order to open a card then without further communication to me they changed the rules. 
Additionally, there verizon visa credit card site is continually down. 
As of XX/XX/XXXX I have closed the card.
Product: Checking or savings account

1st Bank of America is the worse amount other major bank to do banking with. 

2nd Especially, with servicing small business 3rd Real scenario, I withdrawn {$2500.00} to pay a client in XXXX, yet find out they only accept Checks, so I wrote the check and leave the CASH in my pocket, and at the end of the day I am dragging my tire body to deposit the CASH back in. However, the check I wrote was bounce. That meant the check goes faster than myself 4th 2nd case, at XX/XX/XXXX I saw there is a check that I wrote trying to go in my SBA acct. which will negative my acct about {$2000.00}. This is at XXXX Pacific time, so I called the SBA direct line, the BOA rep. informed me that I have to bring the CASH in the branch before XXXX, and have to call in to inform them to force it thru without bounce the check. 

Now, all banks open at XXXX so I went to XXXX withdrawn the CASH, go to BOA just a  mile away and deposited at XXXX. 

Then, I started calling the SBA XXXX # from BOA, and also waited in-line for the customer service personnel in BOA, they start service me at XXXX. Helped me calling in their internal banking system, while I still waited with my cell phone trying to get thru. 

They BOA internal people gave the answer to the branch bank " it is passed XXXX there is nothing we can do ''. The banker said they deposited before XXXX just having hard time get thru. 

Now, at XXXX I finally got thru with my cell phone, and asking the same question, the BOA said the same answer, passed XXXX nothing can be done. I told them I deposited before that, and trying to get to you guys ... 

What kind of bank is this .... 

Anyway Name : XXXX Phone : XXXX
Product: Payday loan, title loan, or personal loan

in XX/XX/2018 I received a {$5000.00} installment loan from Money Mart. I made about 4-5 payments and then had difficulty with paying the almost $ 600 monthly payment. I needed to talk to  them but had difficulty locating the number to reach customer service. I never received any monthly statements, notices, or anything regarding my installment loan with Money Mart either by mail or by email. I fell behind on payments and while trying to fix things, the loan was charged off and I wasn't notified before or after. The loan had not initially even appeared on my credit report. I'm not sure if they are required to, but I believe the Fair Credit Reporting Act requires that they notify me when negative information is being furnished to the credit bureaus, doesn't it? I did not know that they were going to report this information until I checked my credit and saw that a 90 day late had appeared. I called them and was told by the person on the phone that they " just started doing stuff like that '' and they didn't have much information to give me. I ended up with 2x90 day lates on my XXXX   report and then without warning the loan was charged off. FCRA rule states that the creditor is supposed to notify consumers if negative information is going to be reported to credit reporting agencies including charge-offs and late payments and the notification is supposed to be done within 30 days. Without notification I did not have sufficient opportunity to rectify the situation. I don't think this is fair. The 1000 % interest rate may have been legal in California but I feel like this was not a fair deal. I believe that not providing statements and written communication is part of an overall strategy to take advantage of borrowers like myself. It's like they want me to default.
Product: Debt collection

I discovered fraudulent accounts on my credit report that are affecting my credit.
Product: Payday loan, title loan, or personal loan

this company predators Lending to small business running small business due to the need of cash flow Fenix XXXX XXXX. Take the small business their daily cash sale come through the credit card the is the way they estimate for collect from the bank account MONDAY through Friday if is a holiday on next payment withdraw double collect payment same day it is so hard for small business to handled that daily. I had a small balance of XXXX they repossess my bank account and credit card processing and XXXX and business account attacking with attorney to appointment that refuse to settle to a reasonable amount that company tried so hard negotiate for them since this loans aren't regulated by Banking this company Fenix capital predators lender. 
I have included another lender XXXX XXXX predators lending too