23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I financed a vehicle which had major mechanical issues I was unawre off shortly after my original purchase. I attempted multiple times to switch out the vehicle with the dealer but I was denied every time and told that i had to deal with the vehicle I purchased on my own. now since I no longer have the vehicle it is extremely hard for me to obtain a new vehicle because I have a repossesion reporting on my credit due to a situiation I was falsely lead into and mistreate. Please help me remove this account from my credit so I can obtain a new vehicle which will help me and my family improve our standars of living tremendously
Product: Debt collection

I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the ACCOUNTS are not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take settlements. I don't know what else to do so i am finally coming to you guys for some guidance please.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine.
Product: Debt collection

On XX/XX/2020, I called Total Card to advised the company that the account ( the account # - XXXX ) was sold or transfer to another company furthermore this writer asked total card to update the account status for this account from {$430.00} written off to transfer or sold.
Product: Debt collection

I just became aware of an account that was added to my credit report. I have no knowledge of this account. I never received any correspondence from this company stating that I owe any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated that they incorrectly reported this loan as open. They explained that letters were sent to all three credit bureaus and the information would be corrected. 

Three months later XXXX XXXX XXXX is still showing an open balance which is WRONG! My credit report is showing I have 2 mortgages totaling $ XXXX. My wife and I refinanced this loan and the XXXX XXXX accounts should be closed. My wife 's report is reporting correctly, mine is not. This is the reason why I filed a complaint against XXXX XXXX initially. Their accounting and record keeping are terrible in my opinion and this proves my point. My debt to income ratio has tripled, I DO NOT HAVE 3 MORTGAGES. XXXX XXXX NEEDS TO REMOVE THE TWO MORTGAGES THEY PUT ON MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXXXXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXXXXXX XX/XX/XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXXXXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 was solicited via email from Capital One Bank with a new credit card offer. The offer stated in plain language that this offer would not adversely effect my XXXX XXXX. I applied, and of course was approved, but then noticed that almost in real time, they gave me a derogatory mark on my XXXX XXXX just for applying, and my score dropped by XXXX points! I did not authorize the to make a negative mark on my credit, and they approved me for the card! It was clearly a bait and switch, as their marketing materials claimed that applying would not adversely effect my XXXX XXXX. This is very deceptive marketing practices and terrible customer relations. I feel deceived and did not get any benefit from this negative inquiry, nor did I authorize this behavior from Capital One.
Product: Credit reporting or other personal consumer reports

am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, the inaccurate data has not been corrected. This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX, and address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. 

I have contacted XXXX, Transunion, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights. 
I demand that the CFPB : XXXX. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
XXXX. Issue a cease and desist order to prevent further reporting of these inaccuracies. 
XXXX. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. 
If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. 
Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. 
I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX transunion and XXXX to investigate my accounts according to 15 usc 1681i XXXX transunion XXXX it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation
Product: Credit card or prepaid card

I have a complaint against us bank because I requested the care-act protection numerous times, but I was denied, they are ignoring my request, I requested a retroactive deferment and still no reponse.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was a minor. Under the " XXXX XXXX XXXX XXXX  '' program, my mother requested that XXXX, TransUnion, and XXXX place a credit freeze on my report. TransUnion and XXXX said that the freeze would automatically be removed when I turned XXXX. 

In XX/XX/XXXX, I attempted to place a freeze on my XXXX, TransUnion, and XXXX reports. I also attempted to obtain my free credit reports from the three bureaus. I was successful in freezing my XXXX and XXXX reports and obtaining my free reports from those bureaus. 

However, I was not able to freeze or get my free TransUnion report via XXXX. I attempted to freeze my report via the TransUnion website and via phone. Neither method was successful. When I registered for a TransUnion account, the website said that I failed " identity verification '' and needed to call for assistance. After calling the Website Access Support team phone number listed on the website, I was told to email two forms of identification - my driver 's license and a recent account statement- to XXXX. I emailed my two forms of ID on XX/XX/XXXX. 

Three weeks passed by with no reply from TransUnion, so I had given up on being able to manage my freeze via my TransUnion account. So, on XX/XX/XXXX, I called the TransUnion support main line at ( XXXX ) XXXX to attempt to freeze my credit. After asking me for my personal information and a XXXX freeze PIN, the automated system said that there was an error and transferred me to a human agent. An agent in the Special Handling department told me that my file was suppressed. I was unaware of this, as the freeze that my mom requested when I was a minor supposedly expired when I turned XXXX. Additionally, a freeze and suppression are, to my knowledge, not the same thing. The agent told me that I would need to have the suppression removed in order to manage my credit freeze or view my report. I requested to have the suppression on my report that I did not even know about removed from my file, and to have a credit freeze added to my report. I was told that this was done. 

In a subsequent phone call on XX/XX/XXXX, I spoke with an agent in the online customer relations team about my issues accessing my TransUnion online account. The agent was able to assist me in gaining access to my online account by removing the " identity verification '' hold over the phone. However, the agent claimed that I would need to have a minimum of 2 lines of credit on my report to be able to use the functions of the online account ( e.g. credit freeze, requesting a report ). 

Currently, when I log into my TransUnion service account, the status of my credit freeze is shown as " unknown '' with the message " The TransUnion Credit Freeze Service is temporarily unavailable ''. Attempting to request my credit report results in the message " We're unable to complete your request online ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts showing on transunion credit report that are not mine. They have failed to provide proof of ownership. These accounts are not mine
Product: Credit reporting or other personal consumer reports

Hello. For my student loans, I owe just over {$14000.00} through the servicer Mohela. They recently transferred loan servicing systems. Because of this, my student loans are now showing twice on my XXXX credit report. I have disputed this with them several times, however, the dispute is always closed and the problem is never resolved. My credit report still shows an incorrect amount of over {$28000.00} in student loans. The old accounts that were closed and transferred need to be shown that way on the credit report to fix the issue.
Product: Mortgage

Weve been swindled by builders and lenders before, basically lying to get our personal information. XXXX   XXXX took our deposit in 2007 and sold the house to another buyer, no explanation. I had to demand my money back. Now we are trying to just buy a small condo in Florida. My husband is a XXXX contractor making $ XXXX a year. Quicken loans gave us a bad time, and asked for the password to our bank account, then accessed the camera on our XXXX, and was secretly video recording us without our knowledge. We caught them red handed when the agent asked who he was speaking to. I told him he was speaking to my husband, and he said no Im speaking to you. He was watching me. Im sick of the XXXX
Product: Mortgage

The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with XXXX XXXX XXXX and Mr cooper and I should pay nothing to Mr cooper. Mr Cooper refused to admit the fact and asked me to make the payment until today XXXX XX/XX/XXXX XXXX. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer. Mr cooper doesn't actively contact XXXX XXXX XXXX and refuses to further help me on this matter. 
Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record, I request an immediate resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my cred8t and taken care of.. XXXX is a hard it I never did as well as Main one
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I submitted a complaint again last XX/XX/XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit card or prepaid card

We tried using our credit card, BofA, the week of XX/XX/XXXX. Started at a restaurant, was declined for about {$65.00}. I sat there and waited about 5 minutes to talk to the fraud dept. and they said there was nothing wrong with the card and it was XXXX to use, so we tried again and it went through. Walked across the hallway to a clothing store, declined again for about {$25.00}. I called from that store, on hold for about 15 minutes, they said there was no reason it was denied and to try to use it gain. We walked across the hallway to a jewelry store, again was denied for about {$600.00}, called and waited about 25 minutes this time for a fraud rep., she said there was nothing wrong with the card and I insisted to speak with someone else. The new rep said she saw that I should have received a text asking if the purchases were correct, I did not. She, like the other 4 said and insisted the card was now working and no more problems. I tried again at the next store for about {$42.00} and it was declined again, this time the fraud rep said the cards were deactivated but could not tell me by who or why but that they were fixed and I could use them.I ended up using my XXXX credit card for all the purchases that were declined except the restaurants. 
I insisted on a letter stating all my problems and why they were caused and she told me I would receive a letter in the mail with in 10 days. Of course received nothing. 
Today. XXXX, tried using our same card again, ( we have had no problems the last several weeks using it ), the card was declined again at a car wash. I called and spoke with 2 different fraud reps, saying someone had deactivated both our BofA cards, could not tell me who or why, could not give me to anyone else to talk to about why that happened again and that they sent us 2 new cards XX/XX/XXXX, when we just received a new card 2 weeks ago. They are extremely frustrating and seem to just close accounts for no reason, or at least their reps say they have have no idea why any of this was occurring.We have a $ XXXX line of credit and at the most use about XXXX a month and pay it off every month. And no matter how many times we were declined, we did not get any tects telling us, and eventualy did get 2 e mails way after the problems occurred.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXXXXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 


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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Payday loan, title loan, or personal loan

Greetings, This is my forth loan with lendmark financial. They used my car title as collateral for the loan, but always try not to use the words " title loan '' as it is illegal in NC. So ... on my forth loan the transmission went out on my XXXX   XXXX XXXX. I simply can not afford to fix it, pay them {$160.00} a month, and pay for full coverage on my XXXX income. I have never been late not one time and do not plan on it as I understand the importance of good credit, but they are leaving me no choice. I have tried to remedy the situation by speaking with them several times ( at the XXXX, NC Branch ) even asked to do a voluntary repo, but they do not want to cooperate at all. I asked if they could re-fi to help lower the payment, have spoken with credit counselors, advisors, reading over the NC Laws and gotten legal opinions. I am completely stressed over the whole thing. I need a remedy to this mess I have gotten myself into, that will not leave leave flat broke or credit unworthy. 

Thank you for your time.
Product: Credit card

I got an Ollo Credit Card, now moving to Ally Bank, about ayear and a half ago. They advertise a Variable Interest Rate on their website of 23.99-28.99 %. 

I have been consistently charged 33.24 % since the initiation of the card, resulting in larger monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX : {$0.00}