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

Called Transunion 's automated credit freeze hotline ( the one published on both the FTC 's and Transunion 's site ) and followed menu instructions. Confirmed that the number dialed was correct. After entering requested information, the automated menu informed me that I needed to be connected with an agent. Instead of transferring me to an agent, it transferred me to an unrelated and XXXX explicit chat line. I hung up before determining much of what it was about, but it was definitely not a Transunion agent. 

I contacted Transunion and the representative at the call center was n't able to process a complaint or initiate an investigation and was unwilling or unable to escalate it. 

I am concerned that Transunion 's automated credit freeze hotline has been compromised by a third party and that the information I entered may have been stolen. At the very least, the hotline is not working properly and represents a problem for consumers.
Product: Credit reporting or other personal consumer reports

Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted XXXX that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called XXXX XXXX and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I started receiving bills for a student loan that does not reflect a loan I applied for nor an amount that I owe. I have never had, nor received, any loans totaling over {$70000.00} .... 

I asked for proof and documentation that this loan is mine and that it be removed from my credit reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In short order, Navient whom is servicing the loan has shared with me that the interest rate is variable and should be 2.5 % + Libor reset monthly. However they are and have been charging my Dad and me 9.625 % per annum ( calculated at 360 days ) and can not explain why. As such, we have been overcharged for 5 years and asked that they go back and deduct the overpayments each month from principle. As you know this would have a snowball effect given the compounding at a significantly lower interest rate and lower principle. Simply put they have 1 ) put us on a indefinate hold 2 ) told us they can not help 3 ) do n't understand the interest rate and thus will not take corrective action. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a denial for a loan I never applied for from a company called SageSteam LLC. A personal loan offer popped up on my XXXX for a company called XXXX XXXX with a ridiculous 98 % interest. Apparently this company thinks that simple looking at their offer is the same as accepting it. Both SageStream and XXXX XXXX companies are questionable, I would even say fraudulent. I'm just thankful that they declined it and I did have to start some kind of drawn out legal battle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions.

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested that XXXX XXXX XXXX  send me a formal confirmation of our business relationship which they didnt provide. According to 15 USC 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. If a consumer reporting agency fails to meet this standard and provides inaccurate information, they may be held liable for damages. This provision emphasizes the responsibility of agencies to maintain accurate records and protect consumers from the negative consequences of inaccurate credit reporting.
Product: Debt collection

In XX/XX/2023, I rented a XXXX car. After waiting hours for a car that I prepaid for, I got to the registration. While getting the rental car, I asked the representative for car insurance to cover the car in full. The representative provided the cost and I agreed. I asked the representative if this insurance covers the car in fully. I was informed " if anything happens, you can walk away from the car and not get charged. '' I clarified again and was informed the same information. 
After returning the call, I was informed that I would need to pay for damages on the rental car. I was informed the back window was shattered. After speaking to the customer representative, XXXX. I was informed that the insurance I paid for was incorrect and that I would have to pay for the damages. I was never informed there are two different types of rental car insurance to purchase. This is considered false sales practice. I was mislead in thinking I have coverage for a rental car and paid for the service. I was never informed of the additional insurance needed to be purchased when speaking to the representative. I informed them of what I wanted and they provided the cost that I agreed to. 
XXXX calls me back and I informed her of the situation. They asked for a written letter about the situation which I provided. I was informed the situation would be review. Thereafter XXXX called me back and stated I needed to pay for the damages. She then states after disagreeing with the decision that called her out of her name. and I was disrespectful. This is false. The company misrepresented the services offered and mislead me on the service I asked for.
Product: Credit reporting or other personal consumer reports

I found the following inquiriees that need to be deleted Found unauthorized inquiries on my consumer reports which need to be deleted immediately XXXX inquiries not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have XXXX in my cash app for my car payments and now its frozen I cant pay my car I cant cash out I cant transfer money to my bank my cash app is completely frozen again this is my car payment that has to be made Im behind 2 month due to the covid-19 and this payment was very much important Ive tried everything complaints costumer service customer support and noone has reached out I need this matter resolved and my money into my acct as soon as possible
Product: Mortgage

My friend and I purchased a house together in XXXX OR. We set it up so that if either of us died the other person would get the house. XXXX XXXX Died XX/XX/2016.I had to sale because I could not afford it.The house sold on XX/XX/2016. My name was on the sale papers, deed, and should of been on the loan also.We had an escrow account for taxes and insurance. The insurance had no problem giving me my check in my name alone. You people at Umpqua bank refuse to give me a check with my name on it alone.I explained many times to your workers that it was impossible for me to produce a death certificate. I had no idea what name his daughter put on the paper. I gave up my new telephone number to try once again to communicate with his daughter XXXX XXXX. 




she is now harrasing me me all the time. Please send me a check in my name for taxes saved in escrow which belongs to me not you in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from XXXX  about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called XXXX repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. XXXX had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through XXXX and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for XXXX to contact them and I have tried to contact XXXX but feel I am stuck exactly where XXXX wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
Product: Credit reporting or other personal consumer reports

Based on,15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshas violated my rights.Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries that are still on my report from 2021 My name is listed on my report as XXXX XXXX XXXX. I am a female Miss spelling of my name is also see on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  - ACCT # XXXX I do not recognize this account. Please REMOVE from my report. This account can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card is reporting to Equifax and XXXX that this account is still open. It is closed. 
XXXX XXXX XXXX is reporting this account XXXX XXXX as open on Equifax and XXXX. This is inaccurately and Fraudulently being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a current copy of my credit report and i noticed inquires which i had not allowed or authorized
Product: Mortgage

Contacted Watermark Home Loans ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX ; XXXX ) in XX/XX/2018 for information on a new 30-year, fixed rate conventional mortgage on a home I was building in XXXX XXXX. XXXX XXXX was assigned as my mortgage broker contact ( XXXX ). On XX/XX/2018 we agreed to a loan for an approximate {$440000.00} total home value with 5-10 % down and a loan amount of {$400000.00}, and I formally submitted a loan application. The total value consisted of a primary home contract with a builder for {$390000.00} and a pool additional with a pool construction company for {$40000.00}. On XX/XX/XXXX after preliminary approval, I locked my rate and agreed to pay a {$500.00} appraisal fee up front. Appraisal was ordered and on XX/XX/2018, Watermark called me and stated that they were retracting their agreement and would not be able to include the pool in the loan, although the appraisal did cover that in the appraised value. They were now offering only to include the {$390000.00} home contract in the loan amounts, meaning I had to now pay the additional {$40000.00} out of pocket if I wanted a loan - and this was two weeks prior to the targeted closing date at that time.
Product: Checking or savings account

I filed a claim XXXX for {$310.00}. This claim was promised by manager XXXX on XX/XX/2021 to be returned to my account but it has not happened. This transaction is causing me a hardship as the funds had me in a negative balance status. I requested that the call be pulled and the promise for that final credit to be credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview Loan Servicing reported inaccurately the payments made. The payments were done within the due date and they reported as no payment
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. 

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw outrageous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX {$450.00} XXXX   XXXX {$160000.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.