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

JPMCB CARD SERVICES XXXX XXXX I XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX bank I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy.

These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/2023, XX/XX/2023 XX/XX/2023, XX/XX/2023 If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.
Product: Debt collection

XX/XX/2021 This company is call tracing and calling everyone involved with me.

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Equifax, XXXX, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX XXXX Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Mortgage

I proactively called US Bank to informed them that I 'm no longer able to continue making payments on my 2nd home due to a job relocation. Although, my house has been vacant and on the market for 11 months, I have not gotten any serious offers. The bank representative said I did n't qualify for a short sale, but would be able to assist with a Deed in Lieu. I submitted all required documents and to date they have been stalling asking for my current year to date pay stub. I submitted my annual salary twice to the bank, but they have not taken any action. I called the Relationship Manager, and was told that the bank is considering a refinance option for me. I never asked for any refinancing options as I do not want to keep the house ; since I can not afford it. Their are certainly against my request, inconsistent with my telephone conservations with the customer support agent and were NEVER discussed with me prior to me elevating my request to speak with the manager.
Product: Student loan

Navient has repeatedly called and harassed my family, my nieces ( who were not even born when I started college ), and ex 's people I have not seen or heard from for 30 years or more. These people do no know my business. and calling my ex just places me in danger. i had a Income driven plan with them and they did not recertify me after 3 years. When I asked why I got no reply. They wanted me to pay them more than my monthly income. I am now retired XXXX on a fixed income. They have MY phone number they will not work with me. I am being harassed and I have complained about this before. When they called my ex husband. they are NOT working with me on this situation and after paying on time with the IDP THEY CANCELLED IT NOT ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Reporting Violations by Consumer Reporting Agencies for First Progress Account Dear CFPB and FTC, I am writing to formally address concerns regarding the inaccurate handling of my First Progress credit card account by the XXXX XXXX  Consumer Reporting Agencies : TransUnion, XXXX, and XXXX. Despite the account being in good standing, it has been deleted entirely from my credit reports without justification. This action constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates the accurate and complete reporting of consumer credit information. 
Details of the account in question are as follows : Account Name : XXXX XXXX Account Type : Revolving Account Account Status : Closed XX/XX/XXXX Account Number : [ Your XXXX ] Monthly Payment : {$0.00} Credit Limit : {$200.00} High Credit : {$230.00} Last Reported XXXX Date Opened : [ XX/XX/XXXX ] Payment Status : Paid or paying as agreed Balance : {$0.00} I rely on the accuracy of my credit reports to reflect my financial behavior, and the deletion of this account has caused significant concerns. By removing the account entirely, the reporting agencies have failed to : Maintain accurate and complete information about my credit history. 
Ensure regular updates that reflect my good payment history and positive standing. 
I am requesting an immediate investigation into the removal of this account from my credit reports and urge the CFPB and FTC to enforce compliance with federal law. Please instruct the Consumer Reporting Agencies to reinstate this account and ensure it is reported accurately moving forward. 
I have enclosed copies of my credit reports and supporting documentation for your review. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute I have with Equifax regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address the following discrepancies in my credit report. However, as of the present date, I have not received a response from Equifax. I am seeking your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$1.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$19000.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$970.00} ) I question the accuracy of the reported balance of {$970.00} and the designation of this account as closed and charged-off. I am in the process of clarifying this matter with the creditor. In the meantime, I request that Equifax marks this account as disputed to prevent further negative impact on my credit score. Additionally, I ask Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$900.00} ) I dispute the reported balance of {$900.00} and the presentation of past due amounts, as this account is closed and charged-off. I request that Equifax marks this account as disputed while I resolve the matter with the creditor. Equifax is also requested to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX  Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) This account is not mine. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

Experian XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.
Product: Mortgage

Faxed a QWR to Shellpoint on XX/XX/2016. I have not received a response on any of the loans that were included in the QWR request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my information for a fraudulent account to a credit collection agency without confirming that the account was valid. The information is now showing up on at least on credit reporting bureau. After contacting XXXX and confirming that they do not have any credible information on file including my social security number, they refuse to assist in contacting the collection agency or removing the information from my credit file. 

In XXXX of this year I noticed a derogatory reporting on my credit report from XXXX via a collection agency. After contacting XXXX and verifying that there is not an account that matches my information, they will not remove the information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Shows multiple incorrect addresses and a Social Security Number ending in ( XXXX ) that IS NOT MINE and should not be on My Report. 
Also : My Report [ s ] should only show that I am XXXX XXXX ad that is my current status. 
Ive tried to contact them By phone & mail to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

***First off this is not a request for any kind of fraud alert or Security Freeze to be put on my report**** DO NOT PUT ANY KIND OF ALERTS OR FREEZES ON MY ACCOUNT. <P/>I have to say this upfront because EXPERIAN is really bad about just putting a freeze on the report as their way of saying they have responded to my request. <P/>The FCRA Specifically says that all credit inquiries must be back by factual truth and proof to show permissible purpose and I am here to say that EXPERIAN is not following the law. They have inquiries on my report that do not show factual proof, truth or permissible purpose and they WILL NOT REMOVE THEM. <P/>I am demanding that the following inquiries be removed from my credit report as you can not produce permissible purposes for them. DO NOT SEND ME A RESPONSE BACK SAYING THEY MUST STAY AS A PART OF FACTURAL RECORD AS WE BOTH KNOW THAT IS A LIE. 1. XXXX ONXX/XX/XXXX I DO NOT HAVE A XXXX ACCOUNT AND THERE IS NO FACTUAL TRUTH OR PERMISSIBLE PURPOSE SHOWING THAT I WAS GRANTED A LINE OF CREDIT WITH THEM. REMOVE THIS IMMEDIATELY. 2. XXXX XXXX XXXX ON XXXX THEY DID NOT RUN MY CREDIT FOR ANYTHING AND I AM DEMANDING THAT THIS INQUIRY BE REMOVED 3. XXXX ON XXXX I HAVE NO IDEA WHO WHIS COMPANY IS AND THIS MUST BE REMOVED IMMEDIATELY AS I DO NOT HAVE ANY ACCOUNTS WITH THEM. 4. XXXX ON XXXX THEY CAN NOT SHOW PERMISSIBLE PURPOSE THEREFORE THIS INQUIRY IS AGAINS THE LAW, REMOVE IT. 5. XXXXXX/XX/XXXX I HAVE NO IDEA WHO THIS COMPANY IS AND I WANT THIS INQUIRY REMOVED AS IT VIOLATES THE LAW REMOVE IT 6. XXXX XXXX XXXX. XXXX I AM DEMANDING THIS BE REMOVED. I NEVER HEARD OF THIS COMPANY, AND I DO NOT REMEMBER ENGAGING THEM FOR CREDIT, THIS IS AGAINS THE LAW SO REMOVE IT. <P/>ONCE AGAIN YOU DO NOT HAVE MY PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY ACCOUNT. YOU ARE THE ONES BREAKING THE LAW SO STOP IT, AND REMOVE THE ABOVE INQUIRIES IMMEIDATELY.
Product: Credit reporting or other personal consumer reports

Remove this account listed below in accordance with the FCRA 1681b ( a ) ( 2 ). 

XXXXXXXX XXXX Additionally, Title 15 U.S.C. 1681 Section 602 States I have a right to privacy.

Title 15 U.S.C. Section 604 States a Credit Reporting Agency can not furnish an account without my written instructions.
Product: Student loan

After graduation I had a few months until I needed to start making payments on my private loans. When the time came I went to XXXX/Navient to ask for my options, they gave me two : 1. pay the amount or 2. give us about {$2000.00} and we will freeze your account for 3 months and then you can start making payments. Neither of these were feasible to me because I did not have a job! So I did the only thing I could do and not make a payment and ignore their calls, stupid I know but there was nothing I could do. After a while of phone calls, and emails I finally called they said I needed to make a payment before more damage was done we discussed my finances and I tried again to get a better outcome for myself. Throughout my whole experience XXXX/Navient has misguided, manipulated and straight out lied to me when I when to them for guidance and help from the beginning. I was trying to be responsible and asking if there were options for me and giving me two unrealistic options for a recent graduate at the time. Currently I am still making a payment each month but basically all I am paying is the interest each month and my interest rate seem to just be increasing. I have other federal loans with XXXX and they worked with me and put me on an income based repayment plan. I have no problem paying back my student loans when I can actually afford it. The problem is at this time I can not keep making these payments each month that are not doing anything in bringing down my amount owed. In the end I am simply disgusted with the way I was treated by XXXX/Navient and learning that so many others are going through the same thing as me.
Product: Credit reporting or other personal consumer reports

In relation to 15 USC 1681c-2, my credit report has errors, showing inquiries that were not authorized. These are negatively affecting my credit, so I request the removal of all unauthorized hard inquiries. Thank you.
Product: Debt collection

The written notification of the debt from Online Information Services says that you can dispute this debt electronically at www.online is.com. When I went to dispute that debt electronically and filled out their form, it repeatedly said there was an error and to call the number listed. I tried to dispute this debt 4 times on different days, times and computers and got the same message each time. When I finally did call the company ( they now have my phone number because I called them and they have caller if- which they didnt have previously ) it connected me with a debt collector. This is clearly misleading and a scam to get you to talk to them directly. ( Which I saw through right away ). Also, the website that I logged into said that the date of service for this debt was XX/XX/2018 but the debt collector gave me a different date. And she did not have a copy of the letter that they sent me about the debt. The information they had on file was different from the information they sent me in the mail.
Product: Debt collection

The account was closed they reopened it like it happened this year trying to get my credit straight to buy a car
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Product: Vehicle loan or lease

I sold a XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX who is the buyer purchased the truck in the amount of {$21000.00} including snow plow. The buyer paid off the truck by writting and sending a check to GM Financial. We have to this day not been able to get a title as the XXXX in the state of XXXX  says that GM has not removed the lien. I Have spent about 40 hours in total trying to get this resolved including the following action : 1. three visits to XXXX 2. multiple phone calls in XXXX and in XXXX, total phone time exceeding XXXX hours ) XXXX various escalations and promises to resolve. 
4 the seller has not been able to use the truck.

5. it has now been 16 months that the truck he purchased is sitting on his driveway.

6. I have not been paid the difference of the $ XXXX and the payoff since I have not delivered a title to the seller as promised. 
This is absurd and abuse, I can not belive that this can happen in a country like America where the consumer is supposed to be at least somehow protected. 
7. I spoke with GM on the phone yesterday and they said it would take 6-8 weeks to see my request but there is no certainty that it will work.

8. It appears GM had a glitch with the XXXX  XXXX and they have not released lien.

9. I would like to be compensated financially for all the time I have spent on this, in the amount of {$720.00} that represents {$18.00} per hour for all the time I Have spent on this ( 40 hours total ) I would also like interest on the money that I am owed that I have not been paid for 16 months now.

10. I am requesting that the cpfb please help get this lien released, as there is nothing more that I feel like I can do.

11. there should be a class action lawsuit for this, as I spoke to XXXX and they said that I am not the only one with this situation.

12. I am still being charged property tax from XXXX, my account is in collections as I am unable to pay the county, but this is tax that I don't own, even though they claim that I am still the owner.

13. this has impacted the lives of multiple people and has damaged my credit
Product: Debt collection

Debt have been sold and Discharged but are still reported on my credit report
Product: Debt collection

PLEASE SEE ALL REFERENCES ATTACHED, THESE ITEMS MENTIONEXXXX XXXXXXXX XXXX  XXXX {$0.00} XX/XX/year> ARE COMPLETELY FRAUDLENT AND MUST BE BLOCK AND REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX XXXX XX/XX/2022 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/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.
Product: Checking or savings account

In XX/XX/2022 received a promotion for miles if open a citi miles ahead savings account and 25 % bonus on citi advantage credit card if maintain 10,000 in savings account with 20K miles after having account open after 90 days. I called after 90 days to see why my credit card not getting the extra bonus miles and they said they will review but got a letter saying saving account did not qualify for cash bonus did not see this letter since on main website in XXXX and go through app that does not notify you so called in XXXX to follow up and found out about letter asked where to send promo they only said I have to mail it and said can't I email or fax they finally gave me a fax number so faxed it then got a notification letter now that I am checking website they could not read it so called and got an email, so emailed it. Today called and they said the back office rejected it without explanation of why. So need help since supervisor was unhelpful after escalated call.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX, XXXX, XXXX XXXX, XXXX. and the members at XXXX XXXX XXXX are violating XXXX XXXX XXXX. The term " debt collector '' does not include any attorney-at-law collecting a debt as an attorney on behalf of and in the name of a client. 

Furthermore, XXXX XXXX XXXX has been notified the allegation of debt they are inequitably trying to collect has been XXXX. Bank of America has provided this evidence on their own letterhead. 

The law is being violated on multiple fronts. 

Furthermore, my initiating security has not yet been returned to me. Therefore, securities laws are being broken as well. These violations will be taken up elsewhere.
Product: Student loan

I have been paying this company since 2013 and they refuse to adjust the balance or report accurately. I have not been late on a payment. They have not counted my payment toward the balance.