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

On XX/XX/2018 I went to XXXX XXXX, XXXX, IL to purchase a new vehicle. 
I brought my own XXXX XXXX XXXX XXXX Approval with me to the dealership and told them this is what I wanted to use. 

XXXX XXXX ran Hard Inquiries through all the companies below, which brought my credit score down over 100 points, and remains on my credit report, without notifying me. 

Upon contacting XXXX XXXX XXXX department they stated that there was no way that the hard inquiries would stay on my credit report and to just " NOT WORRY ''. 

This dealership has destroyed the credit that I had rebuilt to be able to purchase a new vehicle. I was also planning on purchasing a new home within 6 months of this " ordeal '' and was told by a Mortgage Lender that the hard inquiries had diminished my credit score to a level where I could no longer purchase a home. Just 30 days prior to XX/XX/2018 I was approved for a Mortgage up to {$170000.00}. 


XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank  XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank Fin Inst Len Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX I Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance   XXXX Auto Dealer Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2018 All Banks
Product: Money transfer, virtual currency, or money service

On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artist. Services were never rendered. Chase Bank is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX  page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and Chase should go after the scanner just as the would when disputing charges from XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested specific information from XXXX in order to resolve an issue with Golden 1 Credit Union. I reached out to Golden 1 Credit Union President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to XXXX in XX/XX/XXXX. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as XXXX and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that XXXX must have received my letter on XX/XX/2020, yet on XX/XX/2020. XXXX generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that XXXX is in violation for not researching my request.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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

I have tried to call this company several times regarding this account. American first finance is reporting my account as a charged off account. I am confused how something is charged off and you are still taking payments from me every two weeks. 
- Also previously before this I spoke with American first finance and asked them for my buyout information and they were suppose to debit the account while I was in New York for the pandemic. That has never happened. 
- also I have submitted proof. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Transunion told me that hard inquiries on my credit report by XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX will be removed from my account when XXXX and XXXX XXXX informs Transunion that the inquiries are fraudulent. 
On XX/XX/2020, XXXX XXXX XXXX XXXX ( XXXX ) completed its investigation and sent me a letter stating, " the investigation on the account in your name has been completed. XXXX agrees with your claim that this account was opened fraudulently. We have notified the three national credit reporting agencies to delete the XXXX account from your credit file '' ( Letter attached ). 
On XX/XX/2020, XXXX XXXX XXXX Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Transunion in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. When 60 days passed, in XXXX, I was told to wait longer as it could take 90 days. After 90 days passed, on XX/XX/2020, I followed up with Transunion again, and spoke with Supervisor XXXX. XXXX said Transunion 's systems are perfect, and I should not have to wait 60 to 90 days because Transunion would have taken action immediately if XXXX and XXXX XXXX sent information to Transunion that the hard inquiries are fraudulent. XXXX confirmed the hard inquiries still show on my credit report, which XXXX said means XXXX and XXXX XXXX never sent the information to Transunion. I again called XXXX and XXXX XXXX and both reiterated that they sent the info to all three credit bureaus as stated in XXXX. Transunion, XXXX, and XXXX XXXX all agree that these are well-established companies that know how to properly send information. Yet Transunion insists that both XXXX and XXXX XXXX separately somehow failed to send the information, while both companies insist they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Transunion did not. XXXX and XXXX XXXX said they send info to all three credit bureaus the same way, so XXXX XXXX action proves the info was indeed sent. I called Transunion back on the same day to communicate what XXXX and XXXX XXXX again confirmed, but Transunion continued to deny that they ever received such information. 
Attached with this complaint are letters from XXXX and XXXX XXXX from XX/XX/2020, and a screenshot from Transunion showing the hard inquires are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. This letter was sent in effort to remove personal information that shouldnt be on my credit report, nor did I authorize such. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a charge on my Apple Card for {$920.00} for a purchase made at the Apple Store on XX/XX/XXXX, which I did not make or authorize. I immediately initiated the dispute process via XXXX XXXX see screenshots XXXX. They reversed the charge and began the investigation. This past Wednesday, XX/XX/XXXX, I received an email notice from Apple Card / Goldman Sachs that the dispute was being ruled in Apple 's favor, because I was contacted to provide additional evidence, and did not reply. They applied the {$920.00} to my account ( see screenshot - official language - " No response was received for the request for additional evidence in the past week. Using available information, we decided that you should be responsible for this charge '' ) Searching my email, I found this to be not true. I immediately CALLED rather than using XXXX and spoke to someone who said they saw that that message had been sent to me, however that I was correct that no email had ever been sent to me to request additional information - Goldman Sachs had effectively ruled the case in Apple 's favor without actually contacting me for anything- They credited my account and re-opened the dispute. She had let me know that this transaction had been done via Apple Pay, so securely via a device. On XX/XX/XXXX, I was nowhere near an Apple Store- I was camping in the woods with friends, all of whom can provide evidence that I was with them. Later that day, I received another email stating the dispute was ruled in Apple 's favor ( again ) due to the fact that the merchant had issued a credit. Apple had not issued credit, but rather Goldman Sachs a credit for the time for the dispute. They re-charged my card for the amount in question. I called and had the dispute again re-opened. The woman on the phone admitted that Goldman Sachs had done incorrectly, and the person looking over the dispute had clearly mistaken their credit for Apple 's credit. She re-opened the dispute once again, and the charge was taken off my card temporarily. XX/XX/XXXX, I received a notice that the dispute was once again being ruled in Apple 's favor due to them providing evidence that I had in fact made this purchase. I called to once again open the dispute, but they were unable and are now entering an investigation in which I will be required to submit evidence that I did not make this purchase. I'm not sure how to provide evidence for something I did not purchase - and can not and WILL not pay {$920.00} for something that I did not purchase which is clearly fraud. The process that Goldman Sachs has been implementing is not only incredibly unprofessional, but sloppy. Now I'm waiting for an investigator to contact me to try to further review the case and for the " evidence '' that is being used against me. I did not make it, and the few devices in which I'm able to use Apple Pay on were within my possession on XX/XX/XXXX. I do not have faith that the investigation will be done correctly, so I am including the CFPB for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not authorize this credit inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX, financed by Wells Fargo. From XXXX XX/XX/XXXX I made timely payments even though I was laid off due to Pandemic related cutbacks. I was only late a few times due to layoff. I contacted Wells Fargo after I used all my savings and retirement and still unable to obtain employment due to significant competition and my age. I asked Wells Fargo to help me given the unique circumstances but all I was told is that I need to make the approx XXXX payments or face repossession. I managed to find some aid but the assistance was one payment. In XX/XX/XXXX I called Wells Fargo to inform them I was beginning to receive contracts jobs and would pay what I could. I pleaded with them to work with me and reduce the loan interest percentage but I was denied. I only owed XXXX on the loan, the car had low milage and in excellent condition. The car book value was XXXX so I had equity. I contacted Wells Fargo in early XXXX pleading with them that repossessing the car would be detrimental to my ability to continue contracting and seeking fill time employment. I live in a rural area and live alone. I asked to speak with management but still was told there was nothing they could do. I received multiple letters stating Wells Fargo does not want to repo my car and wants to work with me to keep me in the automobile. I called but received the same BS. I came across the law suits and having gone through a repossession many red flags were raised. The car was picked up mid XXXX and still have not receives any documents regarding if it has been auctioned. I have missed numerous jobs and my credit is shot all because of the friggen pandemic and the difficulties of finding a job. I even applied several time at Wells Fargo but never considered.
Product: Checking or savings account

I had an incorrect charge and Duplicate charge from XXXX on my checking account back on XX/XX/XXXX - I have made XXXX claims with Wells Fargo and they have denied both. I requested the documentation be mailed to me that they used to make the decision so I could go to XXXX and also place a police report to get my funds returned. I requested this on XX/XX/XXXX - never received. When I called to check on the documents, they stated they were never sent and it will be another 10-12 business days to receive. This is a large sum of my money that is due back to me. I provided the receipt from XXXX showing the incorrect amount was charged and also provide my XXXX statement showing that is where the funds came from for the second charge for the gift cards along with a detailed letter explaining the events on XX/XX/XXXX. XXXX has no concerns for me getting my funds back that were incorrectly charged to my account even when providing them proof that they were charged incorrectly.
Product: Prepaid card

I used a pre paid master card on XXXX and there is a mysterious charge XXXX XXXX. The number isnt working and I believe XXXX placed that purchase on the card. I CAN NOT TALK. this company said call in I can not talk. I sent a written dispute in XXXX that went unacknowledged. I then filed a complaint with CFPB. The company did email me but asked me to complete a form. I already mailed in a written dispute. That was two weeks ago and still nobody is responding. Im tired of having my money stolen. If this XXXX company continues to refuse to help me I will sue them in small claims court. This takes time to fill out complaints and its VERY FRUSTRATING TO BE IGNORED. PLEASE RETURN MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from XXXX, transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Credit Karma : my password was breached. I could not log in. I told them XXXX  account password was breached, Their Instructions were to reset passwordXXXX  went through prompts, led to a prompt that asked if phone number was correct. THIS WAS A LAND LINE. There was no space to say NO not correct. Of course, The code they sent did not go through. Nothing happened. 
In stating my case with customer support I tried to explain MANY TIMES the phone number listed was not correct .They told me I had to to supply a drivers license, passport, marriage, license, That is ridiculous. 
I tried for months to request my account be cancelled. They just went back to the same responses, sent codes to the number listed ( land line ). 
I want my account cancelled. This company has no customer number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan with XXXX XXXX XXXX XXXX was paid off as agreed in XXXX XXXX XXXX I own the vehicle, all 3 credit bureaus report a balance of XXXX, and the debt was never " charged off ''. Despite the obvious evidence that the debt was never sold off or written off, the bureaus refuse to accept documents from the California Department of Motor Vehicles that show I am the registered owner. If this debt had been charged off, the vehicle would no longer be in my possession. I'm being asked to provide documents that only XXXX XXXX XXXX XXXX can provide, and they haven't even provided the title to the car after 7 months. This is seriously damaging my credit, and I have been denied for an auto loan because of their ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was multiple times I tried to get ahold of cash app and they would either take weeks at a time to reply or not reply at all as well noticed small amounts of money would go missing but it never showed a transaction was withdrawal or anything so I was confused
Product: Debt collection

Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment.
Product: Student loan

Since XX/XX/2018, Equitable Acceptance has been taking {$49.00} out of my account every month. I recently talked with Navient ( thought I was paying them every month instead of EA ) and was getting by credit dinged for non-payment. They told me to report Equitable Acceptance to CFPB. I was under the impression that my student loans were being cared for by XXXX and I was paying them. Equitable Acceptance is taking my money and has not done any services for me. I feel they have taken advantage of my student debt and used it to scam money from me every month. I don't remember talking to them but it is possible. I receive several calls a day from companies about my student loans. It's hard to keep everything straight, I tried to be careful but unfortunately not careful enough. Thank you for your time. I do not want others to be taken advantage of.
Product: Credit reporting or other personal consumer reports

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

SPS grossly violation RESPA regulations by sitting on a short sale request for months to time out the file that was being service released. Everything should of been submitted to the investor back in XXXX of 2020 but SPS kept asking for something that was never needed because of the incompetence of one person in underwriting who didn't understand that an HOA doc release fee isn't part of past due HOA dues.

Now the new servicer SN Servicing is trying to renegotiate fees that were already negotiated with SPS. This is unacceptable. I demand SPS take back the loan and complete the short sale request that they should of completed 2 months ago.