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

Transunion still has not deleted the hard inquiries that need to come off due to a car dealership handing out my applications. I did not give them permission and they ran my credit several times. I have sent multiple letters showing proof these were suppose to come off yet the credit bureau refuses to take them off. This is against the law and not right what they are doing. I am trying to purchase a home and my loan officer wants all these inquiries off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account - XXXX XXXX XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

XXXX XXXX is showing up on my Transunion Credit Report. When I try to call the phone number I found through a XXXX search, the number came back is not in service. I do not have any other information on this company. I have no idea how they got my information to pull credit. I have never done business with this company and never authorized them to run my credit for any reason.
Product: Credit card or prepaid card

Recently submitted dispute regarding a transaction that was a scam. Despite providing evidence that the transaction had been paid via another method ( cash ), dispute was denied based on what Capital One suggested was evidence received from the merchant. To date, Capital One has not provided me with the evidence it received from merchant. 

In two separately disputed transactions, for amount due via refund of airport tax and fees for flights that were not flown, Capital One has also denied these disputes despite being the booking agent for one of the flights, and having received sufficient evidence from merchant that the airport tax refund is due and owed.
Product: Credit reporting or other personal consumer reports

I received notification back from the bankruptcy court that states they do not provide information to third parties and under the Privacy Act Law 1974 and Opt Out Law that any authorization that Equifax, XXXX, XXXX believe you have you no longer and it needs to be removed in XXXX  days.
Product: Checking or savings account

I was defrauded by a third party for three amounts of {$89.00} and not refunded by this bank after repeated attempts to explain what happened. My treatment at the hands of the bank was appalling.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : 1. Credit limit : No information reported.

2. Amount past due : No information reported.

3. Date of last activity : No information reported and discrepancies across bureaus.

4. Deferred payment start date : No information being reported.

5. Balloon Payment date : No information being reported.

6. Scheduled payment amount : No information being reported.

7. Charged-off amount : No information being reported.

8. Date closed : No information being reported.

9. Date Last Active : Variances are present across two bureaus and discrepancies across bureaus.

10. Payment History : Discrepancies are noted across the two bureaus. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. Information is incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding Equifax to remove/delete this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have asked this Company to please remove all of these unauthorized inquiries from my credit report. To no avail.
Product: Debt collection

For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies Receivables Performance Management XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to XXXX XXXX I am holding them responsible and want them prosecuted
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from XXXX XXXX XXXX XXXX in XXXX XXXX for the amount of {$14000.00}. I paid on the car up until XXXX XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
Product: Student loan

XX/XX/XXXX New Jersey Higher Education Student Assistance Authority Re : XXXX XXXX Student Loan XXXX XXXX Amount : XXXX, XXXX To whom it may concern : I do not acknowledge the debt you claim I owe you. Any such claim that your are asserting is time barred by the applicable Statute of Limitations. Any further efforts or actions from you, or any communications to me, my family, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. This debt which you claim that I owe is based upon a private lender XXXX XXXX and is beyond the Statute of Limitations. There was and is no communication from this private entity stating the debt was transferred or otherwise placed in the hands of another collector as required by law. New Jersey Higher Education has no legal right to collect upon this debt from a private lender. New Jersey Higher Education is also a private lender. Private lenders can not garnish your wages or levy your income taxes. Further, this loan was originally for XXXX, XXXX, in XX/XX/XXXX XXXX XXXX filed a claim with government and was paid for this loan by insurance. In XX/XX/XXXX New Jersey Higher Education filed a claim with government for XXXX for the same loan. Again I will state that by law inasmuch as this was a private loan that has already passed the Statute of Limitations and there is no communication from the original creditor namely XXXX XXXX, that the debt was transferred or otherwise place in the hands of another collector as required by law, you have no legal right to collect upon this debt. I look forward to hearing from you in response to my denial of this debt. XXXX XXXX
Product: Credit reporting or other personal consumer reports

If account has been Charged off, please provide a 1099 and all statements that have my full name ( XXXX XXXX XXXX XXXX ) and address of my drivers license. If you can not provide this, please delete from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing in reference to my XXXX XXXX Account, I was a wireless customer for 9 years with your company until it became extremely expensive to maintain so I switch services to a competitor for far less money and more savings. I ported my phone to my new provider in which I paid the amount leftover and I had no idea that I would still have a balance due. I have explained to the collections team my account was sold to that I was not able to due financial difficulties, in XXXX of XXXX XXXX 's XXXX XXXX XXXX XXXX reported my account to the credit bureaus before I had a chance to pay and I sent a stipulation with the agreed amount of {$94.00} to be paid in full along with being removed off my credit report due to the collections being accurately reported and I understand that but I have been homeless along with unemployed for almost two years. I was denied unemployment along with no financial assistance from my family as they cut ties with me for being XXXX and my so called friends wanted me as a wallet only. I have been evicted from my home, lost my car, sleeping on street corners, shelters, motels with vouchers and vacant places so I can shower daily. I have a vast understanding of how the credit system works but I have no assistance, I have not had steady income or employment since XXXX of XXXX, I have worked since I was XXXX XXXX XXXX and now I am struggling with my mental health along my finances. I have never asked for anything but I am asking that XXXX IMMEDIATELY removes this ACCOUNT from my credit reports immediately and/OR THOSE XXXXXXXX XXXX XXXX XXXX WILL ALSO PAY ME {$150000.00}! OR THEY WILL XXXX SUED!!!
Product: Credit reporting or other personal consumer reports

Eperian has failed to fulfill its legal obligations under the Fair Credit Report Act ( FCRA ) .to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures algin with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$17000.00}
Product: Mortgage

13 months ago I took out an FHA home loan through Wells Fargo. We were in a hurry to close on the home because we had a baby on the way and wanted to be in the house by the time he arrived. After being treated extremely disrespectfully by our Wells Fargo home loan representative we finally closed on the house. In a hurry to get into the house we did everything necessary to expedite the process. We went through the FHA program for our house, but there were serious issues that were never addressed, and should n't have passed FHA guidelines. We had peeling paint all over the place, a huge horizontal crack in the foundation of the basement, along with a bowing wall which indicates major foundation issues. Beyond that we have a support beam that is significantly sagging. All of these issues have been present since day one, and only after researching FHA loans did I come to the conclusion that these should have all been fixed. My opinion is that the Wells Fargo representative was solely looking out for himself, and would do whatever was necessary to accumulate another sale. Ultimately I am worried about the structural safety of the building, and I am left wondering why none of these issues were considered a red flag for the lending institution.
Product: Checking or savings account

On XX/XX/2023 I was severely defrauded in the amount of {$340.00}, my debit card was stolen from me, a faulty check was deposited into my account, and my money was stolen from out the ATM. I had filed a police report with the XXXX XXXX XXXX Police Department, and notified Capital One. I had put in a claim with Capital one for the amounts, and provided them with all evidence showing that I in fact was defrauded and stolen from. Today i received an update via email, stating that my claims were DENIED due to voluntary authorization or participation. I am extremely disturbed and i will keep filing complaints, BECAUSE I DIDNT AUTHORIZE ANYTHING. CAPITAL ONE DIDNT EVEN PROVIDE ME THE evidence USED TO MAKE THEIR DECISION. NEVER BANK WITH CAPITAL ONE. THEY WILL STEAL YOUR MONEY. AND CLOSE YOUR ACCOUNT ON YOU. THEY ARE THE WORST BANKING PROVIDER
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or remove 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 XXXXXXXX
Product: Credit card

My credit card with Citi Bank Advantage was set up to automatically pay in full each month. This past month I moved, causing me to have more expenses than usual. I went online a few weeks prior to my payment due date and change the auto pay amount to {$500.00}. On XXXX/XXXX/16 Citi Bank took the full amount of {$4100.00}. I called on XX/XX/XXXX and was told that the monies would be deposited back in my checking account on XX/XX/XXXX or XX/XX/XXXX. It was not, I called again on XXXX and was told that it would be done on XX/XX/XXXX or XX/XX/XXXX. As of today the funds have not been refunded. Now they are telling me it should be done by the end of the week. So far I have incurred {$100.00} in overdraft protection fees. I really need this money to pay all my normal + moving expenses.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed some inquiries that do not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX was open in my name in all 3 credit reports exprian, XXXX, XXXX in XX/XX/year> its a collection account balance is XXXX I never give my consent to open this account my information has been compromised due to identity theft would like this account removed asap please
Product: Vehicle loan or lease

I am a Capital One Auto customer. I had expressed to them earlier in the year I was negatively affected by COVID-19, payments were waived due to severe loss of income. In XX/XX/XXXX my vehicle was totaled within 24hrs of a house fire. However, in XX/XX/XXXX, I lost employment. I did not receive any unemployment until XX/XX/XXXX where I caught up on primary bills while raising my XXXX children alone -- - nonetheless, I made a payment to Capital One. XXXX week later it was announced unemployment amounts would be reduced ( lowering the extra monthly unemployment I just became eligible for -- to XXXX ). I did not gain employment until late XX/XX/XXXX as school is out and I needed work from home. But again last month, I was catching up .... I reached out to Capital One Auto this XX/XX/XXXX regarding payment and was advised I had until XX/XX/XXXX to pay XXXX or damage my credit for 7 years [ SIF agreement of {$1100.00} or make payments to a charged off acount ]. I requested an exception due to hardship expressing that Capital One considered the coronavirus impact for an interest baring auto loan but not my non-interest total loss -- which is 5x 's my monthly car note. I was advised the policy was 120 days regardless of the COVID effects and my account would be charged off next week -- - even after I come to them financially better ( not great ) and ready to make payments. We made an agreement for payment relief long before I fell behind. I was up to date on payment when the agreement was made to defer payment. This is still a pandemic and Capital One is expecting me to potentially hurt my household by extended them {$3000.00} instead of payment with the possibility that my family is affected once again. Capital One advises if there is trouble paying the bill " contact them '' but in reality, once you speak with them they have a cut and dry -- who cares whose dying policy. How is there no hardship program in place? Moreover, it was my impression the Cares Act had things in place for overwhelming threats like this since NJ is still in a state of emergency until the end of XX/XX/XXXX. Please assist in how I should approach this dilemma ... also allowing others to see if banking with Capital One fits their needs if the future of COVID changes things again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records.

see attachments
Product: Checking or savings account

Someone had contacted me on ( XX/XX/2023 ) about a personal assistant position in XXXX XXXX saying that it was no longer available but they had another position in my area and they said they got my information from XXXX. At first, I was confused because no ones ever texted my number from XXXX  they would email, but then I thought it was legit because they had my contact information. They then sent me a link and said, if youre interested fill it out, I was asking them about the location and they kept saying its remote and then I asked them about it a second time just to make sure and they had an attitude and told me I said it was remote its from home, in an annoyed way and like I would only have to work three days out of the week from home and get paid XXXX weekly. After I had filled out the form they said great you start next week and I didnt hear from them for the next three days and then on Tuesday ( XXXX XXXX ) they had texted me about receiving a check from them. It was delivered around XXXX XXXX  and I was told I can cash it around XXXX XXXX, it was a {$4900.00} check. I had mobile deposited the check into my account because they said that was fine, I want to say about XXXX of it was supposedly released to me thats what I saw in my mobile app. They wanted me to immediately send it to somebody and send them Screen shots of it confirming I sent the money to that person. The person ( XXXX XXXX ). The bank had said the check will be held until the XXXX and then on the XXXX it said it will be held until the XXXX and on the XXXX it said the whole check was getting sent back and all my money was taken out of my account which left me in debt, and the money that I did have went to that person that I sent {$400.00} to. I asked them about it and they told me that I did something wrong with the account and they will send me the money to cover the debt and my weekly pay as well. They told me I would be receiving a check shortly and on ( XXXX XXXX ) I received another check with the same amount that was on the first check and different signature on it, this time I took it to my bank and they told me the check was fake and to not contact the scammer anymore and to block him. Thats exactly what I did and now Im {$340.00} in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the Department XXXX Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

1- XXXX XXXX  : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX XXXXXXXX XXXX XXXX XXXX : Don't recognize this account, when XXXX came a lot of people was doing fraud on accounts and i think mine was one of them.

3- XXXX : Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing