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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XXXX XXXX, I applied for and was approved for installment loan of {$1000.00}. Spoke with someone on the phone who confirmed the approval status and sent me a signed and loan agreement as well as a confirmation number in an email. Told me my loan would be funded the next day. 

Late in the day of XXXX XXXX, I received notification of a small " problem '' and I would have to sign a new loan agreement with a substantial increase in monthly payments. When I inquired why the changes, I was told that the other loan agreement had " expired ''. The agents of this company was very rude, condescending and refused to give last names, indicating to me, nefarious intent ... they REFUSED to honor the original signed agreement with the lower payment schedule ( enclosed )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
*Auto loans* _XXXX XXXX Reported : XX/XX/XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. ** HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
_XXXX  XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation , by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt at getting fraudulent inquiries removed from this credit bureau. I have attached all necessary documentation required under the Fair Credit Reporting Act. I am unable to procure needed financing as a result of these inquiries that I did not authorize. Someone used my information. I do not know why this credit bureau is refusing to review these and remove them from my credit report. I will be seeking counsel if this matter is not resolved at this attempt.
Product: Debt collection

DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed
Product: Credit reporting or other personal consumer reports

I RECEIVED A DATA BREECH LETTER IN THE MAIL THAT MY CREDIT REPORT HAD BEEN AFFECTED BY A DATA BREECH, ON CHECKING MY CREDIT REPORT I NOTICED SOME INQUIRIES THAT I DID NOT PUT ON MY REPORT. THEREFORE THEY NEED TO BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT. THANK YOU. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, tracking number XXXX certified letter 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 XXXX XXXX XXXX XXXX ( XXXX XXXX bank XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through

1 5 different banks. Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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 NamXXXX XXXX XXXX XXXXcount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been in communication with Experian about inaccurate personal information on my credit report.Even after notifying them about this error they still continue to report this incorrect personal information on my credit report. Not only it's unfair, it's illegal.By law 15 US Code 1681 ( b ) it clearly states that your reporting agency must follow reasonable procedures. 

Inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Week of XX/XX/23 I had an emergency plumbing issue that needed immediate resolution and hired XXXX XXXX for the emergency repair. Given the bill was astronomically high ( and I am not convinced he didn't inflate the cost because of my gender ), the plumber informed me of a special financing offer through Wells Fargo, which included a no-interest period for a certain duration before interest would accumulate. However, the plumber refused to provide written terms for the offer, and could not confirm the actual interest rate number that would be applied. He made me fill out/sign a document that only contained my personal information without any written agreement terms etc and I assume was forwarded to Wells Fargo XXXX Despite repeated requests, the plumber did not supply any written terms or conditions regarding the account or interest rates PRIOR to me signing the essentially " blank check agreement '' for an emergency repair in which I felt I had no other choice but to agree to because of how much duress I was under without working plumbing. This lack of transparency and refusal to provide written terms or fully explain the terms seems like collusion between Wells Fargo and XXXX XXXX to mislead and trap customers in predatory financial agreements. I paid approximately {$4100.00} of the {$5500.00} total before the end of the no-interest period, expecting to be charged interest only on the remaining {$1400.00} ( approximate ). However, Wells Fargo charged me 29 % interest on the XXXX {$5500.00}, which was never communicated prior to my agreement. The plumber failed to provide any written documentation of the financing terms, leaving me unaware of the actual conditions of the agreement. It is completely unfair to expect me to pay interest on payments already made and no justification from Wells Fargo can legitimize these deceitful practices. This situation is causing me significant financial harm and distress. This situation also highlights a serious issue with Wells Fargo 's continued predatory practices and showcases how out of control their leaders are. Wells Fargo should be fully investigated for any other potentially criminal activities they are performing given their track record in recent years, and their top officials should be held accountable for criminal acts. Furthermore, XXXX XXXX should also face civil and/or criminal charges pertaining to this situation for knowingly misleading and taking advantage of their customers during emergency situations.
Product: Credit reporting or other personal consumer reports

Hi, I'm reaching out today because it has recently come to my attention that I currently have multiple non-Mailable addresses,3 inaccurate names and multiple inaccurate phone numbers reporting on all 3 of my consumer reports. This is problematic because I no longer associate or receive mail at any of these addresses or use any variation of these names or numbers. This is a direct violation of the Fair Credit Reporting act since the credit reporting agencies Equifax, XXXX, and XXXX all have a duty to report accurately in accordance with 15 USC 1681e and are to maintain effective compliance procedures. I am hereby requesting all 3 credit reporting agencies remove the following addresses and names from my consumer report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have had several problems with shellpoint mortgage servicing as you probably hear from consumers on a daily basis since it is the WORST Mortgage company ever for customer service. I have been getting foreclosure letters from Shellpoint and are working with NCHFA ( XXXX housing finance agency ) to get assistance ( medical/decrease in work hardship ) however time is running out and I requested last week ( via shellpoint rep XXXX XXXX ) to know what is my balance and he said that he did not know as they were going to have to order a copy of the Attorneys fees and charges even though my loan has no official " projected foreclosure sale date '' as I was told by this customer service rep. and that it would take 24 hours to fax me a copy of the attorneys fees to my fax machine at my desk ( XXXX XXXX ). Today makes 4 days and the copy of the attorneys fees has not shown up so I called the " only '' number for Shellpoint ( I reached loss mitigation dept. ) and a representative said she was connecting me to the foreclosure dept in XXXX, and some Rude Rep answered the phone, did not say his name, did not identify he was working for shellpoint servicing and said he did understand what I was requesting and asked me to repeat myself, when I repeated myself he said " you know what hold on and hung up the phone on me '' Outrageous customer service!!! I called back to the only number shellpoint has and spoke to one of the reps who keeps trying to get me to speak to another Rep in loss mitigation ( XXXX XXXX ), and I told her I DO NOT want to speak to XXXX XXXX ( this company acts as though XXXX XXXX is the only person working for Shellpoint ) and if I waited for XXXX XXXX to return any of my calls I would be in full foreclosure from waiting. I asked to speak to someone in charge and/or to connect me to the foreclosure dept and the rep just keeps trying to get me to speak to XXXX XXXX, so I ended the call. So in getting the run around from this company, time is running out and it appears that I am being forced into foreclosure sale, which is what I believe this company keeps acting like they want me to do because they keep stalling, please assist me in getting the total cost needed to bring my account current. Thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Student loan

I have made an agreement to pay my loans after a 45 minute phone on XX/XX/2018 ( my birthday no less ) via automatic debit. The first of these debits was to have taken place per the authorization I agreed over the phone and per the document dated XX/XX/2018 mailed to my residence. It is now XX/XX/2018 and not automatic debit has not been taken and I am receiving emails the payment plan I did not qualify for. The company can not be reached by phone and by logging on to the website nothing is reflecting the agreed to payment plan. By all indications this reprehensible company is backing out of agreement that had to go to a manager whom gave no indication could not go through. This company needs a serious review of whether they should be operating.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts /information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Vehicle loan or lease

My credit report went down XXXX points for a problem that was not I paid on time. They said I did not even proved it so I filed a police report saying they were falsifying information and now my credit score has been lowered XXXX points, it was a XXXX what is it is it? Its in the low XXXX saying they had made late payments there wasnt XXXX return payment that was not my fault and I paid it. I thought that they did not tell me that it was going to be lowering my credit score. I think it is retaliation for filing an online Internet, financial crime.
Product: Mortgage

Tried to contact XXXX XXXX/ Loan Care ( XXXX Pacific time ) to get information on applying for forbearance or assistance. Spoke to " XXXX '' On hold for over an hour then disconnected after stating veteran requesting forbearance. Transferred to a message number with no service. Unable to sign in to account online and still on hold with 2 phones and both companies. Unable to retrieve forbearance documents online without signing in, however the system is not recognizing account and will not let us change our password to retrieve or submit the forbearance form due by the end of today. XX/XX/21 XXXX XXXX Pacific time.
Product: Checking or savings account

Deposited a check to my XXXX  account that was sent to me by XXXX XXXX  for an account they just closed as well that I had to wait 30 days for once deposited to my citi account the check was accepted next day I cant use my accounts 2 days later I see an email saying my accounts are closed calling customer service from phone number I have on file since account creation and they say they need my account number I cant login to see it I had paperless statements and cant access anything