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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was for a old mortgage I had on a home that shows on my credit as seriously delinquent. Which I have never missed a payment on. This home was sold back in 2018 and this still showing up on my credit report as two payments plus was missed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had lost my phone and lost access to my bank account and on my new phone i tried accessing my chase account and they said my account had been locked out so I called and they cut ties with me and I assume they added a early warning when i tried to open a new account, m.
Product: Consumer Loan

XX/XX/XXXX, I informed US bank to please not call me any longer at work my work phone number. They did stop doing this for about a month and then I called to speak with a rep back on XXXX/XXXX/2015 around XXXX XXXX PST. I was asking him about doing a skip payment for my car loan because I was unable to make a payment. During this conversation, he repeatedly asked for my phone number for work. I told him that I do not wish to give out my phone number to my work, I do not want phone calls at work. I explained to him that I had already told them that no phone calls should ever be made and I do not have to give a work phone number at all. He demanded one from me and I still refused and he informed me that I would not be able to do a skip payment unless I gave him a work phone number ( thus now I am past due because I refuse to give him my work phone number ). The very next day, US bank started calling my work phone number. They stopped for a few days after, but have called me XXXX times a day since Monday XXXX/XXXX/2015. Apparently, telling people not to call you at a phone number, or refusing to give one for work, means you ca n't ask for help and then they pull up your previous numbers and start harassing you there -- even though I specifically said not to call me at work. I also completed a survey after this phone call and asked that someone please follow up with me, no one has ever reached out to me for assistance. 
Secondly, when I asked for help, this young man wanted to delve into details of why I could pay. What was causing the issue, how I was going to fix it and if I could not provide this then I would not be able to skip a payment. This should NOT be a requirement to skip a payment. I 've never done so on my car loan so asking for help once I should be given an okay -- but not asked about details in my personal life. Just telling them I ca n't afford to pay should be enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

USA Funds reported a balance increase on a closed account and the account has been closed for a long time. This account has continually been passed around from creditor to creditor and I am sure it is illegal for it to still be on my account. There was no reason to report a balance increase on a closed account. Wherever USA funds got this account from, it is too old to be reported on my credit. They need to remove it.
Product: Debt collection

I have been receiving several phone calls over the last two weeks, or so, by an agency that refuses to identify themselves or the purpose of the phone call. I 've answered or returned the phone call on every occasion that they have attempted to contacted me. Today marks roughly the 4th or 5th time they have tried to make contact with me. 

Each time the conversation starts by giving a disclosure that the phone call may be recorded. They ask for me by name and once I confirm that it is in fact who they are speaking with, they proceed into verifying my personal identifiable information. At this point, I always ask who I am speaking with, what the matter is regarding and what the reason for the phone call is. Every time I ask these questions, they respond that it 's concerning a personal matter and that they can only talk to me once they have done their identification process. I have told them every single time they call that I would be happy to confirm my identity if they can answer simple questions about the purpose of the phone call. 

The first few times, they attempted to verify an address that is very dated. The second time they attempted to verify information with my date of birth. The last few times they have attempted to verify me with the last four numbers of my social security number. In any case, they are pushy, persistent and are progressively more rude with each phone call. The last conversation that took place today ( XXXX/XXXX/XXXX ) I told them to stop calling me because I had no business with them if they ca n't tell me who they are. The representative finally identified herself as being part of the CBE Group. I did a quick XXXX search while on the phone and I told them that I had no business with them unless they can identify the reason why they are contacting me. Representative was rude and said that she was trying to resolve a personal matter that relates to me. Vague as it is, I refuse to confirm my identity with someone that ca n't even identify what they are calling about.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a issue with the school charging me a fee fo a class i took and they got paid for it. I also dispute the company reporting this false debt to the 3 credit bureau, so i want to exercise my rights of the FCRA act. this debt or traNsaction can not be shared with these agencies due to the FCRA act rules. 

I want this debt removed from my credit bureaus and the debt charged off and removed.
Product: Credit reporting or other personal consumer reports

Under a specific category " Notes '' there is an address on my Experian credit report specifically mentioned to be a XXXX XXXX XXXXXXXX XXXX XXXX Which is incorrect, it is a XXXX XXXX XXXX  but that is private information, private personal and I believe medical information that makes me a protected class of citizen under HIPPA laws and that information is illegal to be shared in any way, ESPECIALLY BY LISTING IT ON MY CREDIT REPORT WHICH HAS NOTHING TO DO WITH MY HEALTH. I would like to sue for defamation, I will never ever be able to be approved for any credit ever again with that on there. Also my identity has been stolen and I don't know how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to Toyota Financial and I was hit with a 30 day late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which XXXX has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my trans union and XXXX reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts immediately
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 
" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' XXXX8 U.S.C. 1621, 18 U.S.C. 1001
Product: Debt collection

I am receiving repeated calls from XXXX XXXX XXXX XXXX. I have asked her to quit calling me several upon several times. They've asked for my social security number. Some attempts were via another number XXXX XXXX XXXX XXXX. I've blocked their number via my cell phone but same " XXXX '' agency with different numbers.
Product: Credit reporting or other personal consumer reports

DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denied/Did not approve for a line of credit due to a report provide by : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Defendant DISCOVER requested my personal information including Social Security Number to process my application Defendant XXXX provided Unverified, Unauthenticated, Inaccurate information concerning me to DISCOVER PURSUANT TO 15 USC 1691 determines that it is Unlawful for any creditor to discriminate against ANY applicant for ANY reason ( including alleged bad credit ) It is illegal to be denied funding 18 USC 894 Collections of extensions of credit by extortionate means, whoever knowingly participates in anyway or conspires to do so in the use of any extortionate means. 1 ) to collect or attempts to collect an extension of credit or to punish any person/natural person/agent/beneficiary for the non repayment thereof SHALL BE FINED UNDER THIS TITLE OR IMPRISONED not more the 20 years or both.

( No written permission was ever granted ) The corporations are " teaming up to con-spire against me.

other violations of this credit decision/denial / conspiracy include TILA 15 USC 1602 ( g ) TILA 15 1602 ( l ) Equal " credit '' opportunity Act These corporations ran my social security number without first having me fill out and sign a Ssa89 Form According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission.

Pursuant FCRA Section 611 ( A ) ( 1 ) if " creditors/credit bureaus/CRA 's '' fail to respond to written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) I have yet to receive any response/reply's/notification/changes to or on my report regarding all of these disputes I have mailed/ filed and disputed. this is a {$1000.00} Violation Pursuant FCRA Section 623 I have disputed all of these debts and they have failed to report them as disputed to the CRA 's this also is a 1,000.00 Violation Pursuant FCRA Part ( A
) ( 5 ) ( B ) ( ii ) The Credit Bureaus " XXXX '' has reinserted a removed item from my credit report without notifying me in writing within 5 business days ( incident happened numerous times ) This is also a 1,000.00 Violation I will consider filling out a Fraud Affidavit if these unverified, unauthenticated, and seek compensation for damages and violations if corrections are not made to my credit report.
Product: Debt collection

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Debt collection

I did not owe this bill. I had health insurance, XXXX XXXX XXXX XXXX, at the time of service. this was just never billed to insurance and then put on my credit reports without my permission or knowledge. no one notified me of owing this. i did not give my permission to anyone other than the medical facility to give out my medcial records nor bills thus breaking my HIPAA rights.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX in Indiana. Once I got home in Ohio, I realized that the odometer in the car doesnt match the paperwork. I called back to dealership and spoke with the sales associate that sold me the car ( XXXX XXXX ). Expressing my dissatisfaction in the sale and asked was there something we could do to correct the situation. I was told the general manager would contact me the following Monday on the matter and never got a return call. I called back to the dealership after going to the XXXX in Ohio and was told the vehicle would be registered with a branded title due to mileage not being accurate. I again reached back out to the dealership and still no resolve. I later heard from the title clerk asking questions about the mileage of my trade. She stated that there was a mistake on the mileage document and needed to be resigned. I once again mentioned the odometer issue and she asked for me to send photos of the odometer of my vehicle. And also stated that the general manager would be contacting on what can be done on the matter. I again called the dealership and spoke to the general manager and he stated that he isnt going to do anything with the ongoing situation.
Product: Debt collection

Hello, I am writing to file a claim against XXXX XXXX XXXX XXXX, managed by XXXX, concerning hidden application fees that were not initially communicated to me. 
In XX/XX/2023, I viewed a property at the XXXX XXXXXXXX XXXX XXXX in XXXX XXXX and considered moving in. However, I decided against it and chose a different apartment complex instead. Despite this decision, nearly a year later, I was unexpectedly notified by CDR Genesis of an unresolved balance of {$650.00} by XXXX XXXX, even though I never moved in. 

This charge was never clearly communicated to me either during or after my initial application process. Furthermore, upon receiving this late notice, the balance had already been forwarded to credit agency prompting me to settle the amount promptly to avoid any negative impact on my credit score. 

I have since discovered through online reviews and testimonials that this practice of charging hidden fees is a recurring issue with XXXX XXXX. Despite numerous attempts to contact them for clarification and resolution, they have been unresponsive to phone calls and emails. 

Given these circumstances, I believe that the charge is unjustified and was levied without proper disclosure or transparency. At this point, my bank has reversed the payment in my favor ; however, Genesis Credit Agency is now back on my case threatening me to pay the balance or my credit score will be impacted. I am also accruing interest at 7 % for each month that passes until this gets resolved. 

I appreciate your attention to this matter and am happy to provide any further information or documentation as needed. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I hope all is well ...

The reason why Im writing is because I called Capitol One for relief due to the pandemic. I explained to them that I will be paying the card completely off 30- 60 days from now. I advised them I would been paid the card off if the pandemic didnt come. This mostly likely would been the last time I needed relief due to Im paying the care completely off. I been with Capitol One since 2001 and I was treated very badly today over the phone I have been a great customer have paid on time and also paid my card completely off in the past. Today I was hung up on, transferred several times and given different answers from managers and supervisors why I couldnt get relief. One manager stated I couldnt get relief because it was a new cap program that started two weeks ago and when I asked what date she didnt know and I also asked for something in the mail stating that. I spoke to another manager after I called back she advised me that was not true but I couldnt get relief per the computer not because of a new program. I was on the phone over an hour. XXXX XXXX risk XXXX because I had two XXXX  back to back a year ago and Im also XXXX I feel as if Im being discriminated against because I explained all this on each call. My hours have been cut because of the pandemic. I went ahead and made the payment that is due today of {$290.00} but that was all the money I had. I dont appreciate the way I was treated today. I havent ever been late and Im a very great customer that been with Capitol One since 2001. All I need was relief one more time before I paid the care completely off. I do apologize its not my fault that we have a pandemic and Im doing the best that I can. I have every call today recorded on my phone I will pay this card completely off and take yall to court by the way I was treated today. I shouldnt of been transferred, hung up one and given different answer why I couldnt get relief like someone lying to me. I take my finances very seriously and my other credit cards like XXXX XXXX, XXXX etc dont treat me no where near how I was treated today with Capitol One. I dont need this while Im pregnant and about to pay the card off. Those calls need to be pulled because I have them on my end and that caused me stress today and anxiety I dont need while pregnant. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several weeks or more than 30 days of investigation into a problem and has not been solved. the worst is that More than 30 days of continuous retaliation by Equifax which became more visible now in at least Blacklisting my information and/or participating in blacklisting against my person now there is clear and convincing evidence of that which is a fact now. Equifax did not comply to the FCRA. Equifax blacklisted my infirmation to deny my right to get my credit report free under FCRA in my situation. Equifaxs retaliation against me violated my consumer rights in violation of the Dodd Franklin CFPA of 2010 ... .etc all rights reserved by my person and all stated herein is to current state of belief knowledge and understanding and all is subject to anything by my person only and at anytime and without prior notice and without waiving my rights under any circumstances.
Product: Checking or savings account

I lost my wallet riding in an XXXX. I explained to Wells Fargo that my wallet was stolen where someone fraudulently ran up charges on my credit cards totaling XXXX and Wells Fargo debit card. I have these transactions outlined below all taking place on XX/XX/2021. I spoke with a young lady today by the name of XXXX who did not want to help me at all and was very disinterested in reviewing my concern. I need help. I am not rich. I am struggling and I support myself. Please hold Wells Fargo accountable. Her reason for denying my claim is that the criminal knew my pin. How could I know How they accessed my pin?!?!!! My PIN number was XXXX. The house number of my old address. Which was listed on my old ID which was also in my wallet that the Criminal stole. Please help me in retrieving my funds. XX/XX/XXXX was a Wednesday, my work calendar reflects I was in back to back meetings. This absurd. I need my money. 

{$100.00} {$2.00} {$100.00} {$110.00} {$100.00} {$200.00} {$1700.00}