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

on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  THIS ACCOUNT DOES NOT BELONG TO ME. I WISH TO HAVE THIS REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Mortgage

Since XXXX to XXXX I requested a modification to my home mortgage, and they kept denying me of my rights and then my mortgage became default and due. I also ask for a forbearance and they did not approve that as well as my modification also they had me do trial payments they wanted me to transfer my property to Wells Fargo by deed in lieu of foreclosure, which then my home had to be short sale. I lost what I had worked very hard for, to secure a home for my children. I was forced to leave my home with my children I became XXXX XXXX  and homeless which took a toll on my children as well. I was accustomed to living in my own space, Well Fargo caused a drastic change in my lifestyle and my children 's life. This home was to be passed down to my children and now they have no inheritance. I also contacted the Comptroller of the currency admin of XXXX XXXX  and they did nothing but sent me a letter basically showing they could not help the modification and my account went into collections which damage my credit. I was emotionally and mentally in distress and at a lost. I've tried numerous of times to keep my home and I walked away with nothing because they took the bulk of funds from my short sale XXXX and I was left with no home and just an apology letter years later after being displaced. I Kept every document and proof of every denial letter for every avenue I tried to get help from them and still I'm at loss. they wrongfully denied me and took advantage of me and my family and my primary home property. This was truly devastating to know a company could do this and get away with it and give customers pennies for such a great lost and now people are realizing they were not at fault it was Wells Fargo banking system and unfair practices on all levels. They have been sued and this year gave me hope to seek more help i no longer have the home since XXXX
Product: Payday loan, title loan, or personal loan

Complaints XXXX and XXXX were unable to fully resolve my issue. 
On XX/XX/2021 I applied for a loan with OneMain and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( d ) ( 6 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. OneMain only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted request to have old address to be removed from my credit report. The old addresses put me at risk of identity theft. I have already updated my report with my current address.
Product: Debt collection

Regarding past complaint XXXX IC Systems in that complaint acknowledged they have no lawful claim of collection and stated they would cease and desist all contact and all claims of collection, as they are unable to validate any claims. IC Systems has instead opened a credit account against the complainant in an attempt to damage complainants credit for a debt which they are not owned. IC Systems has has no agreement to future services, the debt in question is past the lawful statute of limitations having claimed origination in XX/XX/2017, and IC Systems has already conceded that even during that time they had no lawful claim for collection.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA-XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One, Capital One Credit Card # XXXX I requested early assist customer service plan on XX/XX/XXXX and I got approved later dated on XX/XX/XXXX. 
( Letter attached your reference ). as per letter my APR 7.40 %, Monthly Minimum Payment {$92.00} and program terms apply account 2 billing cycles. 
Now already 3 billing cycles has been completed and APR 7.40 % not apply my account ( XX/XX/XXXX Statement attached your reference ) I called yesterday ( XX/XX/XXXX XXXX PCT ) Customer Service number XXXX and answered XXXX and I inquired about APR reduction my account and he said he can not see any letter issued on that day and I have to call Payment plan team on tomorrow. He not treat as a valued customer and I felt discrimination. 

I called today ( XX/XX/XXXX XXXX PCT ) Payment plan customer service number XXXX and Answered XXXX   and I inquired about why not apply reduction APR my account. 
He treated me so unprofessional and he didn't give positives feedback.He also says I don ' know what happens and he will follow up. 
I felt what happen Capital One.and it's seem like scam. 

Please investigate this issue and please adjust APR Reduction and Refund interest charge my account. 

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

Greetings, I would like to file a complaint against Portfolio Recovery. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Credit card

I am seeking credits from Citi for improperly calculated interest bearing balances and respective interest charged from XXXX - date XXXX. Payments are to be applied to the highest interest balance first. 

I have a substantial XXXX interest balance transfer, which comes due on XX/XX/XXXX. I have made regular monthly payments of not less than {$300.00}, and have supplemented with higher payments before the statement closing dates when interest bearing charges were made. 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$100.00} ; No interest bearing charges, no interest charged ( see statement pages ). 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$100.00}. Interest bearing charges of {$54.00} paid in full. Payment difference of {$240.00} should have been applied to XXXX interest balance. {$0.00} interest was incorrectly calculated and charged on {$44.00} ( see statement pages ). 

XXXX - {$800.00} payments composed of {$500.00} on XXXX and {$300.00} on XX/XX/XXXX ; minimum required payment {$100.00}. Interest bearing charges of {$570.00} + {$99.00} annual fee charged, totaling {$670.00}, paid in full. Payment difference of {$120.00} should have been applied to XXXX interest balance. {$9.00} interest was incorrectly calculated and charged on {$450.00} ( see statement pages ). 

XXXX - {$1300.00} payments composed of {$300.00} on XXXX and {$1000.00} on XX/XX/XXXX ; minimum required payment {$130.00}. Interest bearing charges of {$1400.00}, leaving an interest bearing balance of {$150.00}. {$30.00} interest was incorrectly calculated and charged on {$1200.00} ( see statement pages ). 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$140.00}. Interest bearing charges of {$390.00}, leaving an interest bearing balance of {$94.00} + {$150.00}, the remaining interest bearing balance from the prior month. {$39.00} interest, composed of {$0.00} and {$39.00}, was incorrectly, respectively, calculated and charged on {$1.00} and {$1800.00} ( see statement pages ).
Product: Debt collection

American Express has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Vehicle loan or lease

In XXXX 2017, my husband and I were about to sign the paperwork to purchase our new XXXX XXXX XXXX. Before we signed, we communicated several times with the sales person that we needed to make sure the vehilce had all wheel drive. We even stated that if the car did not have AWD then we would not purchase the vehicle. It would be a " deal breaker ''. The sales person assured us that the vehicle was AWD. With the first real snowfall coming this past week, my husband was driving our car as it slid along the snowy road. He asked me to look through the owners manual to see how to activatey the AWD. The manual indicated there would be a button to turn on. The button does not exist. When I called the dealerhip asking about ths, nobody could answer whether or not the car automatically turned on AWD or if it did require a button. At first, someone in the service department said that it was automatically turned on and did not require a button. When I referenced what I had read in the manual, the serviceman then investigated further and found that it did indeed require a button to turn on and was not automatic. He then referred me to the manager. I communicated our story to the manager and the fact that the salesperson insisted the car was AWD. The manager said he would invesitage further and call me back. When he called back, he basically said too much time has passed since the purchase of the car and nothing can be done to alleviate the problem. I communicated that I did not have a need for AWD in XXXX or the fall and it was n't until now that I discovered the error. He then communicated that there was nothing to be done other than to bring my car in and trade it in for a vehicle with AWD which would end up costing me more money in the end. If the salesperson had been up front with me and my husband about the car not having AWD, we would have gladly looked at another vehicle that did. We were motivated buyers. We probably would have bought another vehicle and the dealership would have still had their sale. I have XXXX children that I taxi around. AWD was a must not only for my safety but more importantly for the safety of my children. My husband and I feel as though we were taken advantage of and we were most definetly sold a car that was promised to have AWD, but does not. I did not buy the car that I thought I did.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Transunion reported a data breach that was affected nationwide. It was reported with the Massachusetts Attorney General, when the company was subject to authorization. in a data Breach, Transunion reported that the Data Breach resulted in personal information such as names, addresses, drivers ' licenses being compromised ( the PII ), full social security numbers. This data breach affected more than XXXX XXXX Americans that are customers in the United States, and I am one of them. This data breach of my sensitive and personal information of all nine digits of my social security number with my name, birth date, address. is a violation of my statutory. and common law violations, under federal and state law, violations of the XXXX, CFPB, FDCPA the FCRA and Fair Business Practice Act. I was subject to a pervasive, substantial and imminent risk of my identity theft and fraud, now and for future to come. I have and will suffer mitigating injuries, this is a iron clad and concrete harm, there will be future third-party identity theft of my identity being sold overseas to hackers who will possibly make false accounts, drivers licenses, fake identities, frequently obtain identity 's, loans and destroy my life and could result in arrest from hacker from the TransUnion Data breach . Transunion failed to notify the consumer that a data breach, but lied an said it never happen but reported it to the Attorney General. This is a misrepresentation of their department policy, and violation of ( PII ) and failure to Safegard personal identifiable information. this provided valuable nefarious information to hackers. This is a violation of FCRA section 1681 - 1681x and a violation USC 1640. more importantly, me and my family was subject to XXXX disparities and discrimination because of my race. where TransUnion fail to notify the consumers because of the race. over XXXX XXXX Americans was affected. Allegedly did XXXX XXXX XXXX receive notice by mail or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Debt collection

Bank of America is still under investigation with XXXX and XXXX. 
I am updating you with more proof this account does not belong to me and should not have been re-inserted on to my credit without giving me 5 day notice and without actually providing proof of verification. The case ( BANK OF AMERICA, N.A. vs XXXX XXXX ) has been denied IN THE STATE OF XXXX XXXX STATE OF GEORGIA. PLEASE REMOVE THIS ACCOUNT until you provide the proof requested in my previous letters sent to you to VERIFY this account. If you verify this account, PROVIDE the method of Verification. I do not consent to E-Oscar and would like for a REAL response with RESULTS. Remove Both Bank of America accounts immediately! The investigation is set to be done by XX/XX/2019. I ask that you include this in your investigation now!
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report incorrect information on my consumer report. My name and address is reporting incorrectly on each consumer agency report. This is causing me significant damages. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX Delete this information my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.
Product: Debt collection

I have no debt and these calls are getting very irritating, Keep getting scam calls I talked and reported to trade commission on XX/XX/18 filed claim ref : # XXXX they told me to call you I did same day you told me to call XXXX one more time and try to get it settled, plus get robo call block, I have done everything and still getting calls after calls it gets so bad I have to unplug phone for I live alone and not in best of health, also they refused to give me Internet without phone
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. i request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was involved in a scam where I was mislead as to where my money was going. I was told I was sending money to a moving company because I had just moved into the area. I sent them {$1000.00} to move a couch through XXXX. The XXXX I sent it to was XXXX. The number that was contacting me from this scam was XXXX ( XXXX ) XXXX. I reported it to my bank on XX/XX/2021. This was the day I was supposed to get my couch moved. The day I reported it I was told my money was transferred to a XXXX XXXX  but no other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both XXXX and TransUnion Credit Bureau. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The XXXX /TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XX/XX/XXXX, XXXX XX/XX/XXXX