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

I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card XXXXXXXX XXXX XXXXXXXX Bank XXXX, and XXXX XXXX Bank 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 have been disputing 6 fraudulent Accts on my XXXX credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/Nelnet {$3000.00} Dept of Ed/Nelnet {$1400.00} Dept of Ed/Nelnet {$4300.00} Dept of Ed/Nelnet {$8400.00} Dept of Ed/Nelnet {$4600.00} Dept of Ed/Nelnet {$10000.00} I have sent notarized letter to Nelnet , copy of SScard, picture of ID so they could analyze my signature, Police report to XXXX and Nelnet to prove Identity theft and these accts still remain . These accts are NOT mines please remove.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I outlined the accounts and violations in my letters, but after 30 days, I have not received a response. Attached are copies of the letters sent.

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as disputed, and FCRA 605 ( c ) by incorrectly reporting the date of last activity instead of the payment date.

Additionally, they have not validated the collection account, further violating FDCPA 809 ( b ) according to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

XXXX and XXXX XXXX and Capitol one the number on the credit card was stolen I was notified by C/O of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then C/O stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with C/O and XXXX XXXX XXXX XXXX and I'm caught in the middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these idiots right now
Product: Debt collection

The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. 

When I asked for proof of the debt I was ignored and told to work harder and to speak better English. 

More importantly when my wife attempted to pay the debt there was not a XXXX  version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This complaint is a response to complaint number XXXX filed on XX/XX/2024 and XXXX filed on XX/XX/2024. 
I am writing to express my concerns regarding the most recent modification offer I received. I have several issues with the proposed monthly payments, which are higher than the amount I was previously paying under my last modification. 

Firstly, I would like to understand how the new monthly payment amount was determined without considering my pay stubs and monthly obligations. These documents are crucial in assessing my financial capacity, and I am concerned that the decision may not accurately reflect my current financial situation. 

Additionally, I would like to confirm whether the payments I made in XXXX, XXXX, and XXXX were factored into this decision. What happened to these payments? I also inquired about making the XXXX payment, but I have been receiving letters stating that my payments are insufficient. I need clarification on how these payments were applied and whether they are estimated or represent actual monthly payments. 

Moreover, I am concerned about the increase in the interest rate, the payment process, and fees charged which makes the payments even less affordable for me. I thought there would be a trial period to determine if I could manage the new payments, but this does not seem to have been the case. 

Given these concerns, I have attached an official modification application along with my financial information to request a reassessment for a more affordable monthly payment. 

HOW WAS THE XXXX, XXXX, AND XXXX PAYMENTS APPLIED TO MY ACCOUNT? WHY WAS THE MONEY BEING HELD? WAS THE PAYMENTS DEDUCTED FROM THE LOAN AMOUNT? 

I NEED SOMEONE TO PROVIDE ME ANSWERS TO MY QUESTIONS VIA THE PNC SECURED EMAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXXXXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( XXXX ) XXXX ( 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

These inquires are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed information on my credit report which is inaccurate.
Product: Student loan

XX/XX/XXXX I received an email from Arete financial stating my student loan consolidation was declined. I called the XXXX  billing number to update my information and made six additional calls leaving voicemails and sending emails during this time frame with no response back. I received a message not delivered email from both email addresses I tried
Product: Consumer Loan

Automobile Acceptance Corporation placed my car out for repossession for insurance, not payments. They will not work with me in any way shape or form. They 've issued me a refund during these negotiations and continue to contact my place of employment even though I 've asked them not to do so in writing and verbally. The third party arbitrator has never returned my calls and not they are threatening to file a concealment warrant against me.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

On XX/XX/2022, I contacted Huntington Bank regarding having a XXXX hold to be released from my account. During review I was informed that they would be ending my relationship because of the number of checks that did not go through. I said ok, but they refused to give me access to my funds immediately that was on the account and they still have XXXX dollars of my money on hold. I was able to withdrawal XXXX dollars but Im still not able to get access to the remaining amount of my funds because they are claiming that there are still pending charges. This has left me in a bad spot because all of my money was deposited in this bank.
Product: Checking or savings account

I made a {$500.00} cash deposit at a XXXX store using my Providers debit card and after making the deposit I checked the account to make sure the deposit was posted and it was the next morning when I checked my account I noticed the deposit transaction had completely disappeared so I contacted the company asking for my funds to be returned immediately, and they said that they had no records of my deposit and requested the receipts and transaction history, which I am the store both provided all to know about because the bank literally has been refusing to give me my funds and now this has been causing undue financial hardship and is unethical I believe and I believe Im being discriminated against all I want is my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I lost my wallet which included my XXXX  XXXX  debit card # ending XXXX along with other card accounts and pin numbers, while out running errands back in XXXX. While lost someone found my wallet and proceeded to make unauthorized atm charges on my account on XX/XX/19 in West Virginia. I live in VA and spend a lot of time In NC but rarely if ever travel to WV. I reported the fraud and the bank refused to honor my fraud claim and refund the charges.
Product: Mortgage

I applied for loan to purchase a home from a mortgage company calls : XXXX. I submitted all the documents and information that they requested from me and my wife to apply for this loan. All the info. and docs. submitted to them by us were 100 % true and accurate. They approved me for a loan and provided me with the pre-approval letter, and they told me go a head and shop for a home. I hired a realtor and we found a house that we liked it and fit our budget. We met the realtor in the dream home to sing the papers and give him the certify check for the title meanwhile, my XXXX children planning how to furnish their room, at this memorable moment, I received a phone call from the company " XXXX '' telling us sorry we can not have a ( FHA ) loan until XXXX XXXX 2015. It is hard to describe the shock especially, in my wife. Those people they create a fake joy for people and take it from them by a just tiny word : sorry. I believe this is so wrong and needs to stop immediately.
Product: Credit card

Opened a credit card account in XX/XX/XXXX. Interest rate was 9.9 %. XXXX XXXX payment due date was XXXX/XXXX/XXXX. XXXX XXXX statement did not show any increase in minimum payment. I made my XXXX XXXX payment and when I received the XXXX XXXX statement, the minimum payment jumped to XXXX with no significant purchases made during XXXX XXXX. After scrutinizing the XXXX XXXX statement, I noticed a late fee payment and also a change in my interest rate from 9.99 to 29.99 %. I immediately called this credit company and they said that my payment that was due on XXXX/XXXX/XXXX was late and that they did not receive it until XXXX/XXXX/XXXX. I could not believe what I was hearing especially since the holidays could have slowed the mailing process. They were very negative about my complaint and said that their policy stated that they had every right to do what they did. I have sent letters pleading with no avail. In XXXX XXXX statement which was due in XXXX XXXX, XXXX was not paid and in my letters, I stated that if no consideration would be given to my account, that they would not see a dime from me. I had a balance of about $ XXXX and I believe the balance is now up to XXXX or XXXX ( with all the late fees and other fees ). I have a credit score of XXXX and I applied for a VA home loan and was turned down because of the collection that is still on my credit report. The VA finance recommended that I get in contact with your company and maybe you could help me.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX XXXX  Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX
Product: Checking or savings account

ive been trying to reopen my checking account with wells fargo. since my account suddenly was closed with them without telling me or anything why. i did not receive my money left in the account and didnt get anything. tried multiple times to reopen my checking account as i did like banking with the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX XX/XX/XXXX ( Equifax Inquiry ) I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.
Product: Credit card or prepaid card

My family was devastated by the California Wildfires, when I called my CC company citi back to ask to see if there are benefits or waivers I can take advantage of they said NO. Every other card that I have either waived my payment or late fee as a result. Citi Bank was the only ones who said they will not help. I live in XXXX XXXX and the Fires were in XXXX which is only less than 5 miles. 

I would like to file this complaint as to see why Citi Bank is denying emergency benefits to minorities like myself. How many others have fallen victum with XXXX. I will not be doing business with this bank anymore do to this outrageous blatant racism.
Product: Credit reporting or other personal consumer reports

These two Student loan accounts do not belong to me. I have been trying to delete them for years. This Is against the law 15 US code 1681 I have also filed identity theft.