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

shopping around to buy newer car XXXX and XXXX XXXX and brought one. shopping around in XXXX and XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single  inquiry,
Product: Vehicle loan or lease

I paid off my 72 month loan on my XXXX XXXX XXXX. I requested my title back in XX/XX/XXXX. Kia Motor Finance claims that it was sent, however, I never received it. I am trying to trade my car in and Kia Is giving me the run around and wont provide me the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$710.00}
Product: Bank account or service

PNC XXXX XXXX Bank sent me a notice from XXXX stating that they have automatically enrolled me in their " protection '' services. It was my responsibility to call before XXXX XXXX, 2015 to " disenroll ''. I did, but to disenroll, the amount of information they were asking for was staggering. I refused to provide them any more information than they had on the letter. They did n't any of that information from me to " automatically '' enroll me.
Product: Mortgage

Newrez LLC has not paid the taxes out of my escrow account. i am now being charged penalties and interest. They say their system shows they are only escrowing for home insurance. My closing disclosure shows its both taxes and home insurance. They continue to take payments each month that covers both taxes and insurance as calculated on my closing disclosure. They have not resolved the issue and its delaying my ability to pay off the loan. My loan number is XXXX.
Product: Debt collection

Portfolio Recovery is violating my consumer rights by furnishing inaccurate information to XXXX that is not even on my XXXX or XXXX. This defamation of character has led to me being a victim of unfair, abusive, and deceitful debt collection practices. On XX/XX/XXXX I sent Portfolio Recovery a letter to comply with 15 USC 1692g and they have not. I am enclosing a copy of the letter I sent to them, a copy of inaccurate information furnished to consumer report and a copy of my drivers license as proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently working very hard the last year to improve my credit report. I've been paying my bills either on time or ahead of time. I Opened a business secured credit card and pay it off at least monthly. My credit score had increased over XXXX points! I Have no other debt, haven't applied for anything, yet my credit score continues to drop every week? I contacted trans union and after XXXX minutes of being transferred to foreign speaking agents ican barely understand and reverifying my identity 3 times, they REFUSED to tell me why this had occurred without me giving them a credit card and PAYING them, {$9.00}!! Isn't this MY credit report information that THEY KEEP messing with? This is more than discouraging as a single parent who has been working so hard to correct this problem. I have also filed online disputes to multiple accounts on my report that are unrecognizable and that I've NEVER done business with these companies and I have gotten zero response from these disputes. It's been over 2 months that I've filled these. All they do is keep lowering my credit report rank!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX
Product: Debt collection

I have disputed this account with XXXX, and they have sent me nothing at all. This is a violation of the FCRA. They are reporting on my credit and have never sent me any reason as to why! PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these unauthorized inquiries on my report but my disputes has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Under the FCRA section 605b, the Credit Bureaus are required to remove any item and information that resulted due to identity theft. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported company .has received inaccurate information from XXXX XXXX XXXX XXXX corporation with in correct name which l have on going disputes l Have sent in copies of the bill with Names on the XXXX ( doesn't match ). XXXX XXXX XXXX XXXX has sold my name to collection companies names ( XXXX XXXX  XXXX. Accounts. Whom XXXX XXXX.whom requested same amount money as these XXXX with is Fraud ) months has effect my credit. Score rate for months after l sent in copyies of payments. I have also disputed a company called ( XXXX XXXX XXXX ) which not hasn't changed. I paid this account off in full also provided copies on time payment. In XXXX Credit report shows none payment instead .and consistently affect my credit rating.. My credit advisor attorney. Stated. after this complaint if non response or Change there goin to filed complaint against XXXX. Credit report company. Due to on going denial on application inaccurate information not being research
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX  ) and University XXXX XXXX ( XXXX  ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, XXXX, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or XXXX reported the delinquency to Experian. 

On or about XX/XX/XXXX, I entered into a repayment plan with XXXX agreeing to pay {$55.00} per month on the loan. Neither XXXX nor XXXX reported this agreement to Experian. 

A few months after entering into the repayment agreement, XXXX changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or XXXX reported to Experian that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and XXXX. They have informed me that they would " fix '' the situation. XXXX and/or XXXX reported to Experian that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or XXXX
Product: Credit card

I had two credit card accounts with Capital One that were permanently closed due to returned payments, despite the fact that these payments were the result of fraud.

My husbands checking account ( which was the saved payment method for my Capital One credit card ) was hacked, leading to multiple unauthorized payments toward my credit card balance. The fraudster also used my Capital One virtual card to make unauthorized purchases and then attempted to pay it off using my husband 's linked account to free up available credit for further fraudulent transactions. 

Once we noticed the unauthorized payments, we immediately contacted XXXX XXXX XXXXXXXX ( the bank holding my husbands checking account ) to report the fraud and stop the transactions. We also called Capital One the same day to inform them that my bank account credentials had been compromised and that these payments were unauthorized. 

Capital One acknowledged the fraud, issued me a new credit card, and assisted in reporting the fraudulent transactions. However, despite my prompt action and cooperation, Capital One later closed both of my credit card accounts permanently, citing the returned payments. 

This decision feels unfair and punitive, considering : The payments were unauthorized due to fraud, not financial mismanagement. 
I reported the fraud immediately and followed all necessary steps, including notifying Capital One and seeking their guidance. 
Capital One initially assured me that they took note of the fraud report, but they later penalized me by closing my accounts. 

I request that Capital One reopen my accounts or, at the very least, remove any negative marks on my credit report related to this closure. I also request a clear explanation for why my accounts were closed despite my prompt reporting of fraud and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} XXXXS DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information sent police report and idtheft
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/2018 I was involved in what I now know was a scam through the use of XXXX. The indidvidual who scammed me used the name XXXX XXXX, email XXXX and the phone number +XXXX ( XXXX ) XXXX. I was under the impression that XXXX was secure and would protect me since it was directly through my bank Wells Fargo. I sent {$200.00} for concert tickets and never received them. I even talked on the phone with the guy and he sent me pictures of his purchase of the tickets so I could verify authenticity. I called Wells Fargo 30 minutes after transferring the money, explained my situation, asked to cancel the transfer and they said there isn't much they can do but they would try to dispute it, however I have not been told anything. Please help! These people XXXX and XXXX needs to disclose that they are not like a XXXX at all!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX and DEPT OF ED
Product: Student loan

Navient is showing up on my credit report as late on 9 different loans but not on all my loans that I had at that time. There where different services during that time and they can not explain to me why it is reporting late over 90 days for XX/XX/XXXX and XX/XX/XXXX which are summer months. I have attached an email that I sent directly to XXXX XXXX and she still has not responded to me.
Product: Debt collection

I have reached out to this company on SEVERAL occasions and no resolve the most recent was XX/XX/18. I was advised that they will send me a itemized statement. My response was that at itemized statement is NOT validation of debt. It is simply a description of what they charge for services! In addition per the FDCPA section 809 validation of debt must be provided.This collection agency also advised they are NOT the original creditor so in addition they MUST also update my credit report stating disputed by consumer or similar language WHILE trying to provide proof that I OWE THIS DEBT.This consumer is also LYING and advising they are only reporting to XXXX and XXXX but it IS ONLY listed on my XXXX   credit report because they could NOT prove the debt to XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from an incorrect reporting but I still have ITEMS left that needed to be removed. I recently conducted a review of my recent credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request, and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX. Please remove these inquiries at your earliest possible convenience, as I am going to be applying for a mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting or other personal consumer reports

I had 8 inquiries supposed to drop off from XX/XX/XXXX to XX/XX/XXXX and I paid the only other credit card off with a {$1700.00} balance. The other bureaus, XXXX and XXXX increased my score within a day or 2 but Experian still hasn't. Why are they still a reporting bureau when they don't. Shouldn't their license be pulled for bad business practice? I wouldn't buy their product and this is how they do
Product: Credit reporting or other personal consumer reports

I was a resident only not co applicant of my parents apartment. The office was angry they moved after lease fulfilled. The water was not billed separately to this company. It was included in the monthly rent like every other apartment. This is fraud. tried calling company and it has strange answer. They wont answer live XXXX will not remove it, even after never being possible to contact them. I can obtain lease from parents if needed. This XXXX XXXX is known for committing fraud on tenants when they move with charges that are fraudulent. Or not returning their security deposit. Management has been reported numerous times. Also, XXXX  removed it from my parents report but still appears on mine.
Product: Debt collection

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

Navy Federal is holding my account and will not allow me to remove my remaining funds from my account they accused me of fraud but had no proof what so never of it.

They will not release my remaining funds ( I have banked with Navy Federal for years until earlier this year ) I think I am being discriminated XXXX XXXX XXXX XXXX XXXX XXXX