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

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/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
Product: Credit card or prepaid card

Issue : American Express Membership rewards points were not applied to a transaction after customer request. The following is a summary of facts and interactions with American Express customer service with approximate dates. 
XX/XX/19 : I called the customer service number since I was experiencing an issue completing the transaction to redeem my points in the American Express website. I was advised that I had 30 days to redeem my points after my account is cancelled. 

XX/XX/19 : Transaction was processed and points were redeemed. 

XX/XX/19 : Account status updated to inactive/cancel. I called the American Express customer service to confirm my transaction was process as expected and points were going to be use to process the transaction on XX/XX/19. I was advised that my points would be used to settle that transaction. 

XX/XX/19 : Since a balance persisted on the account, I paid the total balance on XX/XX/19 to avoid any negative remarks on my credit history. I called the customer service number and I was advised that there was nothing they could do because my points were forfeited on XX/XX/19, 30 days after my account status changed to inactive. However, the transaction occurred well before the 30 days on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by equifax ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.
Product: Credit reporting or other personal consumer reports

These accounts contain information that is not reflective of my financial history and behavior. As a result, these inaccuracies have adversely impacted my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________ Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 XXXX XX/XX/XXXX _____________________________________________ XXXX XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Product: Debt collection

This issue was resolved after speaking with XXXX representatives. This debt was found invalid by XXXX with another collection agency. 

1. Changed phone carrier from XXXX to XXXX in late XXXX. ( Fact ) XXXX. Resolved issue with XXXX representatives, assured any charges after transfer of service m would be removed. Fact can be verified by listening to recorded customer service calls at XXXX. 

3. I have a XXXX XXXX percent on time payment history for hundreds of thousands of dollars. ( Fact ) 4. My refusal to pay the debt in question, is because I don't owe it. ( Fact ) 5. I have tried to resolve this issue through disputes. XXXX removed the delinquent debt. I also provided a copy of the resolution from XXXX. ( Fact ) 6. I am not going to waste anymore of my time on this issue. I don't owe this, so I will never pay a dime to resolve this. ( Fact )
Product: Vehicle loan or lease

Vehicle was parked on private property, in a 8 unit apartment building, vehicle was repossed on X/XX/17 @ XXXX. Neighbors complained about some unknown damages to they 're vehicles and want to hold me accountable for it. My complaint is on the repossession company XXXX XXXX XXXX ( XXXX ) hired by XXXX XXXX. I 've discussed payment arrangements with my finance company but I still feel the repossion was unfairly done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.Why am i recieving this fraud inquiry a year latter from XXXX?
Product: Credit reporting or other personal consumer reports

all three credit bureaus playing XXXX with 12 years tradelines has been remove i sent a letter to all three credit bureaus claiming its fake scores are now changing every 24hrs and now sent threatening letters i sent proof letters XXXX XXXX block payment for loans
Product: Checking or savings account

Follow up with a previous complaint : Complaint Number XXXX Citibank STILL have not send any of my loan of XXXX to the Small Business Admin based on a letter written on XX/XX/XXXX. Account ending in XXXX Citi XXXX XXXX : XXXX " Any funds that are deemed owed to you will be sent in the form of an official check to the address on file. Small Business Administration ( SBA ) funds have been secured and will be returned to the SBA. If you wish to contact the SBA, they can be reached at XXXX ( TTY XXXX ). We apologize for any inconvenience that this may cause you. '' After calling Citi Executive Response Team : Citibank stated SBA need to work with their internal financial institution who credited this amount and ask them to " recall '' this amount, when the SBA does not do that on the lender 's behalf. Based on that XXXX letter SBA funds are " secured '' and " will be returned '' but there is " no time frame '' given and it's unclear when they will send back this money. This is utterly frustrating as a former customer and this need to be rectify. The amount of time they are keeping this money is absurd and have been cruel to our business as this loan is going to be utilized due to the the economic injury we are going through. Hence the SBA loan title. We need HELP and since XX/XX/XXXX of XXXX this loan has not be used and we are getting XXXX! It's XX/XX/XXXX. Citibank have conduct the ugliest business relationship anyone could have after 15 years of loyal customer relationship. What else do we need to do?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of several accounts that appear on my credit report. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I am requesting that they be removed immediately. 

The accounts in question are as follows : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

Furthermore, under 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.

I am requesting that these accounts be removed from my credit report immediately, as they are inaccurate and have been reported without my written instructions. Thank you for your attention to this matter. Also Remove immediately all inquiries from all 3-reporting agencies. Remove all address from my reports and phone numbers, my Name is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please also remove all employment names from my reports. thank you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Bank account or service

Missing debit/credit on ledger. I have a Hassle Free Account attached to my personal Checking Account at Key Bank. The Hassle Free account is used by my son who goes to school away from home. My son buys a week long subway pass every week in XXXX. On XX/XX/XXXX he tried to purchase a week long subway pass. The money came off of his debit card but did not transfer to his XXXX XXXX. He alerted the XXXX personnel and they said that they had processed a credit to his debit card. They said that the credit would show up in a few days and that if it did n't we should notify XXXX to get the money back. The charge showed on his ledger as a debit until XX/XX/XXXX and then it just disappeared off the ledger completely. ( He subsequently bought another pass that is debited on XX/XX/XXXX. ) This is extremely problematic and just exemplifies once again Key Bank 's Magical Accounting. If this has happened to my account without any explanation, how often does it happen to others. If a charge comes on the ledger then it either is debited from the account or credited back to the account, but it does n't just disappear. If I did not pay attention to my account as I do, then this might not have been noticed. I have attached statements from XX/XX/XXXX ( this one shows the charge in the pending section and also shows that my son bought another pass on XX/XX/XXXX. that charge was completed ) XX/XX/XXXX that is the first day the charge was missing and XX/XX/XXXX which shows that there is no charge on the ledger. I have documentation of the days in between to show that the item is missing and can supply these if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Product: Mortgage

I tried to request a loan forbearance due to being affected by COVID-19. And I was denied. M & T Bank told me that they do not offer forbearances.
Product: Debt collection

I was sued and had a wage assignment for a credit card issued by Chase that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done by  XXXX   XXXX   XXXX   XXXX  and CIR Law Offices. I want to recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that are inaccurate. I have asked many times for these accounts to be verified and Experian reports back every time that they have been verified. 
I feel that Experian is not verifying these accounts and I will show proof that they are not verified and want each account DELETED immediately!! 

1 ) XXXX XXXX - inaccurate Balance and monthly payment as of date listed ( XXXX ) Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$0.00} 2 ) XXXX XXXX XXXX XXXXinaccurate payment history consecutive 60 days, 30 days and 120 days late. 
Payment Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Inaccurate payment history multiple XXXX late dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment History Multiple 120 late dates XXXX XXXX XXXX ) XXXX XXXX XXXX original loan amount and no original date. This item is over 7 years old from first default. 

Payment Info Original loan amount - Balance- {$1200.00} Status dateXXXX XXXX
Product: Credit card or prepaid card

in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. 
Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. 
XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. 

i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. 

now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX  wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. 

sorry this was long. thank you for your patience. XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am submitting this statement to report an incident of identity theft that has significantly impacted me. I recently discovered unauthorized activity involving my personal information, which was used without my knowledge or consent. 

Upon reviewing my financial and personal records, I identified fraudulent activities, e.g., unauthorized accounts opened, fraudulent transactions, misuse of Social Security Number. I did not authorize these actions, nor did I grant permission for anyone to use my identity for these purposes. 

I have taken immediate steps to secure my identity, see attached identity theft report.
Product: Payday loan, title loan, or personal loan

Took out a Title loan from TITLE MAX for approximately {$1900.00} around XXXX of XXXX and paid monthly amount of {$350.00} every month until XXXX of XXXX. If you do a math one can come to the conclusion that I've paid off that principal a couple times over. Reason stopped paying was due to me being admitted to the XXXX. Hospital as I am a 100 % XXXX Veteran. Fast forward to XX/XX/XXXX XXXXand while in the hospital once again my brother who I live with witnessed a wrecker hook on to it and drive away. Car btw is a XXXX XXXX XXXXXXXX XXXX valued at over {$18000.00}. I only have use of a computer with email and unable to use the phone sent TITLE MAX an email requesting that they send me something which shows amount I owe or a certified letter and gave them 7 days. Both E-mail 's are attached and as of the date of this email have not received ANYTHING IN WRITING from TITLE MAX either before repossession of afterwards which is now been coming up on 3 weeks. Meanwhile my car wherever it is will be collecting storage fees which I'm surely not paying for under these circumstances thus far with them ignoring my requests outlined in my attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have violated by the bureaus and/or creditor via the following account -XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account 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
Product: Mortgage

THIS IS NOT, NOT, NOT A DUPLICATE, BECAUSE THEY HAVE NOT ANSWERED ANY OF THE QUESTIONS. A date for sale is schedule for XXXX XXXX, 2017, and they are playing games with us. The questions listed below are still going unanswered. The sale must be stopped until these questions are answered. Ocwen loan servicing and XXXX, are both saying they do not have the original note, but they have not given us any proof that they have it. They lied to the court by stating that they had it to get the final judgement without properly notifying us and this is why we are asking these specific questions. 1. We are asking for any original documents that show who received the payment for the insurance on the mortgage, because it was not the XXXX estate, nor his beneficiaries. Where is our receipt from the original sale. WHO deposited the note? 2. where is the paperwork that shows that XXXX gave consent to have the funds donated to the alleged owner of the note. 3.Does the Clerk of XXXX County in XXXX have a license to sell this property, and if so can we have a copy of it? 4. Who are the investors that recieved payments on this loan, and what role does XXXX have in this mortgage? 5. We want to know who have any interest in this property higher than ours, the beneficiaries? 6. The reprinted copies we already have, so who has the right to reassignment of this loan if not OCWEN LOAN SERVICING INC? 7. IF Ocwen and XXXX have no interest then can the real party of interest identify themselves so we can communicate with them? Below see the previous complaints, Thank you in advance for you help in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Previous Request for production of information : 1.The original BLUE INK promissory note, front and back, associated with the Loan 2. Any allonge, front and back, affixed to the Borrowers promissory note for indorsements 3. All bookkeeping journal entries associated with the Loan 4. The deed of trust associated with the Loan 5. The insurance policy on Borrowers promissory note associated with the Loan 6. The Call Reports for the period covering the Loan 7. The deposit slip for the deposit of the Borrowers promissory note associated with the Loan 8. The order authorizing the withdrawal of funds from Borrowers promissory note deposit account 9. The account number from which the money came to fund the check given to the Borrower 10. Verification that Borrowers promissory note was a gift to the Lender from the Borrower 11. The name and address of the current holder of the Borrowers promissory note 12. The name and address of the Lenders CPA and Auditor for the period covering We are further requesting the following documents from you and your alleged parties of interest and you are hereby give an additional 10 days to reply to these demands. 1 ) form XXXX registration statement 2 ) form XXXX ( b ) ( 5 ) prospectus ( for the SEC ) 3 ) form FR XXXX balance sheets 4 ) form FR XXXX balance sheets 5 ) form FR XXXX balance sheets 6 ) Profits from stock market, trading your instruments?
Product: Debt collection

The XXXX XXXX didn't reply to my request. On my credit report it shows a debt collection which I don't own.